23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After reviewing an ad on one of those weekly newspaper circulation in XX/XX/XXXX about permanent hair removal, 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 /XXXX 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 XXXX XXXX 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 Image 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: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 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, 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2016 my paid off balance of {$180.00} dollars did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. The company never notified me of the rejection and gave me this late payment. I now can not get a Bridge Loan for my business because of this mark on my credit and the company will not help me with this unfair situation!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting a collection on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have repeatedly sent letters to XXXX, XXXX, and Equifax requesting the removal of old, outdated, and incorrect information from my credit reports, but they have failed to respond or take any action. This negligence is highly concerning as it affects my financial standing and could harm my reputation with future employers and creditors. 

Despite providing proof of my correct personal information and identity, including copies of my Driver License, Social Security Card, and Utility Bill, the credit reporting agencies have not made the necessary corrections. This inaccurate reporting creates a misleading image of my credit history, suggesting I have lived at multiple addresses simultaneously with different phone numbers and employers. 

I demand that XXXX, XXXX, and Equifax promptly remove all the incorrect information from my credit reports as it is damaging and misleading. Their failure to address these issues is a violation of the Fair Credit Reporting Act, and I expect immediate action to rectify this situation to avoid any further consequences on my financial well-being.
Product: Checking or savings account

I mobile deposited a check signed over to me by a relative. The deposit was accepted and placed on a 10 day hold. On the day before the hold was to be lifted I received an alert to contact Chase becausetheyrestrictedmyaccount.. I called and verified the information needed. The check cleared and was made available in my account. I scheduled a withdrawal and when I went to the ATM my card didn't work. I went inside to the teller and was advised to call and have the restrictions lifted. Chase then proceeded to change the terms of the agreement and falsified information about the phone call between the fraud department and myself. I am XXXX and have bills due immediately. The check cleared and now they are saying that they need to contact the issuing company. Which I was told would be done yesterday so I could access the funds today. Now they are saying that the company number registered with their internal system is not responsive and I can't access my funds until they reach the company. I already waited for the 10 day authorization hold and received authorization yet chase won't release my funds to me or unlock my account
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX. 
you have is wrong again! its not XXXX XXXX XXXX XXXX, XXXX XXXX XXXX name identification number XXXX and XXXX is wrong! 
Still have XXXX XXXX credit card, XXXX XXXX XXXX Credit card joint account with XXXX XXXX, 2 accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX joint account with XXXX XXXX. for the 5th time XXXX XXXX stole my identity. He opened these account using my identity. He posed as me to open these account. I never opened these account. I received a letter from you Experian that you took off XXXX XXXX i uploaded this on file its still on my credit report you failed to take it off. You also stated in a letter you received my information about identity theft so why the fraud and identity theft still on here XXXX and XXXX XXXX fixed this and not no long reporting this but you are. I uploaded this as well.
Product: Credit card

I am on XXXX XXXX  XXXX after undergoing XXXX XXXXXXXX. Whilst out of work I am collecting XXXX XXXX  XXXX payments. I am paid via a XXXX  card, this card was provided so I could use the card in the same manner as a debit card and make in store purchases or I can transfer the money from this card to my checking account to allow me to pay bills. 

I received the card about a week ago, and I activated the card per instructions provided. I am supposed to be able to transfer funds via the APP, or I can log into the XXXX site to move money etc. Well I attempted to use the APP to transfer money into my bank account so I could pay bills and it would not work, so I called the number they provided and contacted Money Network to troubleshoot the problem and the agent directed me to use my laptop, I asked him to stay on the phone while I tried that method and that too, did not work. I was very frustrated that MY money was on this card and I could not transfer the funds. The agent suggested that I go to an ATM and withdrawal money and then deposit into a bank. That is not acceptable. I bank with XXXX and they have no branches in our area as we conduct all of our banking online. Also, I am not yet driving from XXXX XXXXXXXX XXXXXXXX, so how would he expect me to do this. The whole point of this message is that if my money is on a card and I am supposed to be able to obtain it through the APP or my laptop than I should work. 

The agent was not understanding, did not offer to find out what the root cause was all he said was, " I have seen this happen before '', like that was an acceptable responce with no effort to try and resolve this issue. NJ state XXXX should not be using a program that does not work. Ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, these creditors and credit reporting agencies have violated my rights. 

-- XXXX XXXX XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX XXXX 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 or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX with a different account number. XXXX in XXXX and XXXX in Transunion have 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 an account without my written instructions.
Product: Checking or savings account

My account was illegally froze because they said i had a negative balance so my account was made positive & they still would not unfreeze my account only tell me everyday they cant help me & to keep checking my email & they always deny me access to speak with a supervisor & hang up very unprofessional
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX  The following inquiry was not authorized and should not be reporting. 
XXXX XXXX  XX/XX/XXXX The following inquiry was not authorized and should not be reporting.
Product: Credit card

My Citibank credit card number was used fraudulently in XXXX 2015 to purchase goods from an online merchant in XXXX. I notified Citibank within a few days of this happening. I still do not have a credit back yet for the fraudulent purchase amount of {$150.00}. I am constantly given a " run-around '' ; given paperwork to sign ; promised that a credit will appear on my account -- -- only to have it reversed again a few days later. I filed an online police report with XXXX XXXX police regarding the individual who fraudulently used my card number. I do n't know anyone in XXXX. I just contacted Citibank again today regarding the matter, and was told the XXXX merchant 's bank would be allowed to dispute my claim ; YET AGAIN, and even then ; the claim may go to XXXX. The Citibank representative said, " we do n't know what will happen if it goes there. '' Citibank are dragging their feet on reimbursing me the {$150.00} ; yet spend millions of dollars advertising that your card is safe, and that they will stand by their customers. That constitutes false advertising. The fact is, Citibank is refusing to refund me my money. The only refund it " conditionally '', and then it is reversed later.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account was previously showing closed as of XXXX but now showing OPEN again and reporting a balance as of XX/XX/XXXX. Equifax will not properly investigate a dispute and not following protocol according to the U.S. CODE 1681a and continue to allow the creditor to make remarks and now open a closed account.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer - provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

Disputed charge for undisclosed " 4 % service charge '' not authorized or signed for and authorized returned items that we were told after they were returned and we would keep were sold without our permission.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the fair Credit Reporting Act,15 USC 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning these accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified.Send me copies of the documents that you have in your files that were used.If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as a required under Section 611 ( a ) ( 5 ) ( A ) ( i ) By publishing these inaccurate and unverified items on my credit report & distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under FCRA 15USC 1681i all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these accounts listed below within 30 days of this receipt you have to remove these accounts from my credit file. Accounts, 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 reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Under the Fair Debt Collection Practices Act have previously sent Equifax a request to investigate an alleged debt by On Line Information Services on my credit report Equifax simply replied that the account is verified but did not provide the validation to me that was needed to determine if this was actually an accurate claim. I then personally contacted the Collection Agency XXXX XXXX XXXX XXXX   and asked for valid verification that this debt was mine. I knew I didnt miss a payment to the power company, for obvious reasons they are always the first bill I pay. All I received from the Collection Agency were term dates of XXXX XXXX spanning back from XX/XX/XXXX to XX/XX/XXXX and the alleged charges they claimed I owed {$170.00}. They had nothing to show me that could verify I owe anything. After a bit of research, it was determined that this does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. This inaccurate, incomplete document contains no accounting of any payments made nor missed, nor the dates on which those payments were made or missed. There isnt even any documentation with my signature on it that proves this is even my account at all. This information could have easily been drawn up and sent by anyone or simply created in human error. Their verification document in no way provides sufficient verification of this alleged debt. There isnt any legitimate, verifiable proof that I owe anything to their Company, because I dont. 

This collection on my credit reports are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. You should also be aware that reporting such invalidated information might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} FCRA violation fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

I intend to follow through with the suit if this is not deleted from my account within 15 days. 

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

I did not make these inquiries I believe someone used my information. Which are reported on my Transunion report. 

XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX There is additional companies reported on my XXXX report. 

XXXX No contact info XXXX No contact info
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to report a late payment for XXXX XXXX XXXX Acct : XXXX from XX/XX/2016 that never happened. This account has never been paid late and I have requested on multiple occasions ( in writing ) that TransUnion make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.
Product: Checking or savings account

Up on to XX/XX/year> I was able to get into my account on their website. I did all my banking online. I was in the hospital for a month and tried to do banking, but I made too many password resets to where they said I'd have to go to a TD Bank, a brick and mortar branch to reset everything so I could get into my accounts. I showed up at the XXXX XXXX, XXXX XXXX XXXX, XXXX, Florida. I had a talk with the store XXXX, XXXX XXXX, and she swore up and down that the lock that was on my account was lifted and I would be able to do my banking. She even showed me on her monitor that my account was free and clear and I would be able to do my banking. I get home, try to get into my account and its locked. I call the XXXX number, and ask for a supervisor to say I did everything on my part, I showed up at a bank and spoke to the XXXX. I have a business card to prove it. I called the XXXX twice and they're telling me I have to go back to the XXXX XXXX store. This is ridiculous. I want to transfer my money to another bank and its XXXX. The call center says I have to go the bank, I do, the bank mgr says its fixed and I get home and try to log in and its still locked. They're wasting my time and not giving me my money. They also got XXXX dollars out of my savings account which I never used because I didnt usage the savings account enough, and meanwhile I had XXXX in my checking account. I want access to my money and they're blocking me trying to move funds to another bank
Product: Credit card or prepaid card

Someone fraudulently opened up a Barclays Old Navy credit card in my name. I immediately closed the account, marked as fraud on XX/XX/22. Barclays was delayed in their fraud investigation, taking months and did not complete the fraud investigation only until I had the situation escalated by a supervisor after my numerous calls. I received letter that account marked as fraud and I am not responsible for this credit card however Barclays has not reported this to credit bureaus and thus my credit score continues to be severely impacted by this delinquent fraudulent account.