23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Trying to get my credit report showing the information about the forbearance and payment history since XXXX I have been trying to get the answers from XXXX XXXX to explain why they removed items from my credit history.
Product: Debt collection

I received a bill via mail from Holloway Credit Solutions for XXXX XXXX XXXXXXXX XXXX XXXX  for {$1500.00} for services on XX/XX/2022. 

I've never heard of XXXX XXXX, let alone take online classes there. It seems like it's a case of identity theft. Im afraid to call this debt collector because I feel like I will be harassed to pay something I do not owe.
Product: Debt collection

Caller from portfolio recovery called at XXXX cst asking for me. I informed caller that it was almost XXXX XXXX. Caller once again asked if i was available. I told caller again that it was almost XXXX XXXX and that i was trying to sleep. I hung up on caller.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXXXXXX Account XXXX : XXXX
Product: Credit card or prepaid card

This involves my XXXX rewards Visa. The account was originally managed by XXXX XXXX XXXX and switched to Commenity Bank in XXXX. I was advised that it would take a while for my cash back points to convert to cash back. I was interested in using these points while looking into vacations around spring/summer of XXXX and knew my points added up to over {$500.00}. I never booked a vacation or redeemed any points at this time. After the account was switched to Commenity Bank I began checking on my cash back amount to redeem so i could book a vacation. My account was only reading under {$3.00}. I called the first time on XX/XX/XXXX and spoke with an XXXX who advised it was still processing. My XXXX travel agent advised this was strange and she has heard of other XXXX customers having issues. She also advised that her personal account had already converted and it happened a few months prior. 
I accessed my account and looked at my cash back section to find approximately 30 individual items listing cash back adjustments on XX/XX/XXXX and all equalled {$610.00}. On XX/XX/XXXX the value lists {$0.00}. I called two more times and spile to an XXXX on XX/XX/XXXX. I was on the call for almost an hour and wanted to speak with a supervisor. XXXX kept leaving me on hold saying he was trying to get a supervisor and tried to convince me to call back. He ended up coming on and saying no supervisor was available. The last time I called I forgot who I spoke with but everything was explained and they said they couldn't access the cash back history. I advised that I could and I never redeemed anything from my account and wanted to know why it went to XXXX on XX/XX/XXXX and they advised they could not tell me. Now I see that I was getting the run around from each customer service agent I spoke to. Either way they are responsible for my account and need to rectify replacing my {$610.00}. I have screen shots showing all of these transactions too. My cash back still only shows {$2.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these inquiries as shown on my XXXX report. 

1. XXXX XXXX inquired XXXX XXXX 2. XXXX inquired XX/XX/2022 3.XXXX inquired XX/XX/2022 XXXX. XXXX XXXX XXXX inquired XX/XX/2022 XXXX. XXXX XXXX inquired XXXX XXXX
Product: Mortgage

SLS mortgage provider is servicing two of my loans. 
On one of the loans they 've lost a payment for the month of XXXX 2017. I  did send a payment and have a cached check image on file with my bank. 
SLS have received payments for both loan accounts for all other months - not a single missed payment. SLS also received payments for the month of XXXX - on both accounts. Yet they 've put my account into delinquent state - not giving me a courtesy call or a grace period to react to the XXXX statement and realize that XXXX payment on one of the accounts was not posted. 

I have provided SLS with an image of a cleared check, all the data necessary to prove that payment was received by them, yet I 'm still in delinquent state. I 've recently located the funds too and called their customer service to explain that they mistakenly posted the payment to the other loan account that I have with them. 
Their response is that the delinquency will be removed once funds are transferred to the correct account. Their original quote was 60 days to handle this issue. Now I 'm getting a quote of at least 10 business days to transfer money to the correct loan account. 

I 've asked SLS if this delinquency has been reported to my credit history and they confirmed that it has even though consumer should have 60 days to appeal any financial issues prior to being reported to the credit bureau. 

I would like the poor service provided by SLS to be reflected on their public rating and record. 

I would also like to make sure that their mistake does not get reflected on my credit history - neither now nor several months down the road.
Product: Credit card

bank is preventing me from making online payments. 
asking to call, have never had an account outside of credit with this bank the only way to make payments is online. 
In addition, AXXXXA compliance, the only reasonable way for me to make payments is the same as I have done since having the credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally reached out to XXXX XXXX on XX/XX/XXXX, to try and rectify this situation and unfortunately I have been unsuccessful. I happened to run my credit report in the beginning of XX/XX/XXXX and noticed that XXXX XXXX reported to the credit bureau that I was late for the month of XX/XX/XXXX. But this information is totally incorrect! I purchased a piece of jewelry on XX/XX/XXXX and I returned it ten days later on XX/XX/XXXX. As you will see in the statements from XXXX XXXX, even though I returned the jewelry there was still a balance on my account for {$0.00} on the XX/XX/XXXX statement, which I can't seem to understand why. The item was returned and it should have brought my balance to XXXX. That {$0.00} over five months turned into {$27.00} and forced XXXX XXXX to report a late payment to the credit bureau for the month of XX/XX/XXXX. Please be advised that I called XXXX XXXX and they were unable to provide me with a statement for XX/XX/XXXX. They stated that they don't generate statements when the account has a XXXX balance. But as you will see in the documentation they went ahead and XXXX out my account somewhere between XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX is being very unfair. This situation is cut and dry and shouldn't even be an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I checked my consumer report and seen that my score has declined tremendously I.C SYSTEM is reporting negatively on my account for an alleged debt that does not belong to me. I have spoken to this company multiple times about this debt they have removed this debt from my consumer report I even have disputed this debt with the original creditor and have made many complaints against the creditor.This debt does not belong to me .I.C SYSTEM continues to harass and violate my consumer rights. This company has willfully and knowing continues to insert negative items on my consumer report knowing the item has be removed. This is causing me pain and suffering and mental anguish. This is double jeopardy and discrimination.
Product: Debt collection

As I already reported via telephone, I am a victim of identity theft. I have recently learned that my personal information was used to open an account at your company. I did not open this account, and I am requesting that the account be closed and that I be absolved of all charges on the account. Pursuant to federal law, I am requesting that you provide me and/or the listed XXXX XXXX XXXX, at no charge, copies of application and business records in your control relating to the fraudulent account and/or transactions.
Product: Credit reporting or other personal consumer reports

I did not apply for a loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. All of these companies pulled my report on XX/XX/year>. The credit inquiries were illegal and must be removed.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX Balance : XXXX XXXX XXXX : {$4800.00} XXXX XXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Bank of America wont put a stop payment The account was supposed to be frozen
Product: Credit card

XX/XX/year> I attempted to get a chimney cleaning, The co. at the time, XXXX, aka XXXX XXXX, XXXX. with an owner XXXX XXXX, under duress, had me sign for this task which was never performed, I have a bill from another chimney cleaning co. which verifies this. The next day my name was forged on another purchase that I did not authorize which was a so-called chimney liner for the amount of {$2500.00}. A police report was made and the credit card company Citibank was contacted to not authorize this charge. I never heard back from the credit card company until almost two months later XX/XX/XXXX and noted that false documentation had been provided to them by this XXXX and therefore they reversed the charges. I had attempted to contact City card about this dispute as I had not heard anything in 8 weeks time. Their customer service was difficult to reach, rude and I was told that my dispute had been dismissed because the timeline had run out for them to reassess my concerns. Wrong! Had they followed their own timeline and noted that they had been provided false documents that were forged this error would not have occurred. I am reopening this complaint as it was never resolved in a fair fashion and I also have been contacted by another person on XXXX that had been deceived as well. Citi-bank should follow their own rules and regulations regarding signing under duress, unauthorized use of my credit card, and forged signatures, as well as adhering to their own stated timeline on dispute issues. I have been made to pay for Cit-cards inadequacies! Not consumer friendly I might add!!!
Product: Debt collection

I have been paying on this debt of {$1700.00} since XX/XX/XXXX. I had a financial hardship and was unable to pay after making five payments of the verbal agreed amount {$140.00} and a sixth payment in the amount of {$100.00} which gave a total of {$800.00}. The firm filed in the courts and a stipulation was agreed upon to continue the payments as agreed only difference being this time it would be withdrawn via ACH. A stipulation was emailed to me, which I signed and sent electronically as agreed for amount of {$1700.00} and court cost of {$340.00} which would be a total of {$2000.00}. I've paid to date {$2000.00} and should only have a balance of {$21.00}. I went to check the account on their site today and saw an outstanding balance of {$960.00}, I immediately contact the firm via chat and was told to call in. I called and after holding for 20 minutes, I was told by the Rep that the reason for the balance shown was because I didn't signed the Stipulation. I have prove where that Stipulation was signed and emailed on XX/XX/XXXX at XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has pulled a hard inquiry on my credit file twice in XX/XX/2021. XXXX XXXX can not access my Equifax credit file after I have removed my security freeze. XXXX XXXX is able to access XXXX, and XXXX with no problems. 

I contacted Equifax directly and they have confirmed the security freeze for my credit file is temporarily lifted. XXXX XXXX should be able to access my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my information was used for XXXX  XXXX  through XXXX
Product: Money transfer, virtual currency, or money service

I've had a terrible experience with Apple Support with an Apple Pay in app purchase refund. 
Upon XX/XX/2023, XXXXXXXX XXXX XXXX I had some purchases that came through to my bank from the apple XXXX and I noticed my funds going down XXXX dollars in under a hour or so. 
I've given permission to my child in the past to use the apple XXXX but not by this much after scolding him for such reckless degenerate behaviour I became immensely worried as this was simply too much money wasted way too quickly. 

I thought to myself why does APPLE not flag these purchases at all and deny them? 
I'm not wealthy by any means and so having that much money disappear from my bank account that fast is just something that has caused me immense financial difficulty. 

I had looked up ways to recover my funds i thought at first of going to my bank but realized that apple must have some way for customers to be refunded for virtual content purchases. I've heard horror stories before from games like fortnite where kids would spend thousands of dollars and place their parents in debt with charges that'd never be refunded from lootboxes and other virtual content so I was worried this would be a similar situation. 

I contacted apple support under 1 and 2 hours immediately after these purchases for a refund. 
exact date and time I had contacted them was Mon, XX/XX/XXXX, XXXX XXXX so I was within a reasonable timeframe for a refund. 
as the purchases were made XX/XX/2023, XXXXXXXX XXXX XXXX It should've been rather simple for apple to rollback any purchases made instead I had several days of my time wasted by their support in which time I've been in the red on my bank account. 
the fact that their support takes an insanely long time to resolve trivial issues like this says something alot about them and their total disregard for the customer. 

This mind you was the first time in my entire life I've ever been through their refund process. Perhaps they discriminated me because of my foreign sounding name? Or simply just didn't care enough whatever may be the case I'm extremely angry at how they've handled my case. 
Apple in app purchases shouldn't EVER have a refund denied if its done in a timely manner especially for someone first time especially in the case of lootbox/virtual content that has no tangible nor material presence. 
i've literally lost money because of pixels on a screen and apple simply can not just rollback all of the content? 
give me a break.
Product: Bank account or service

WELLS FARGO & COMPANY has stolen my account and denied me access from viewing the account on XXXX/XXXX/2017.
Product: Mortgage

I am POA and son of my mother and this complaint is about the reckless disregard Shell Point Mortgage services acted during my mother 's loan and during the closing process to buy out her debt. I filed a claim with the state attorney general of Colorado as well as the XXXX of XXXX SC. During the closing they asked for 3 months of interest 177days with out explanation as to why then need more than most banks of 30-90days. I could not nor could XXXX XXXX the loan company buying out the loan get Shell Point to explain this. Also the phone numbers they provided had their mail boxes full so you could not leave a message. they sent 3 registered letters with the same information that did not explain what was asked. They claimed to not to be able to get a hold of my mother or I and that my voice mail was full which it not true or accurate. I sent them 4 copies of my POA they claimed they never got. They made an extra {$1400.00} by manipulating the principal and interest claiming we had paid 3 payments to principal and not to interest. Which is not true. Because that's all my mother has paid since 2007 on this 13 % interest where only {$30.00} dollars went to principal a month. They now claim they did make a mistake and owe her {$37.00}, but they owe her more. They refused to send me her loan agreement. I feel what they've done to my XXXX old mother is fraud. and I would like your help.I can provide payment records and my correspondences with the bank Shell Points mailing address and her Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX, SC XXXX
Product: Payday loan, title loan, or personal loan

I took out a loan for {$900.00} on XX/XX/XXXX To date I have paid {$1600.00} My account shows my balance as of XX/XX/XXXX to still be {$810.00} I have paid well over what I borrowed and believe that the interest rate and amount owed on the loan are not reasonable.
Product: Credit reporting or other personal consumer reports

I called Equifax because I login until my account and its not showing me no information no credit Score none of my Credit Cards or no score I asked them why is this happening they told me they couldnt give me that information but before I was able to login and see my score with no problem Its saying Credit Report Blocked for Promotional Purposes whatever this means.
Product: Credit card or prepaid card

STAY AWAY FROM CASH APP!!!

I have never opened a Visa Cash Card through Cash App. There  is no where on their website under Contact Support to get through to a person or submit an inquiry as to why and how this account was established. Nor cancel the cash app Visa card. 

I think I have unlinked my email, but not really sure as this is not a very self explained website you go in. It sort of gives instructions that leads to no where. 

There is no way to get a hold of a live operator to dispute this fraud account either. The number they have is a recording and leaves you with nothing to go with and no option to speak to someone. 

Before this cash card came in the mail, I had to dispute a fraud charge by unknown trying to pay merchants with this cash app account through my debit XXXX account. Luckily, XXXX noticed this fraud and contacted me immediately to stop payment. 

This cash app account isnt safe and needs to discontinue service or shutdown completely. 

XXXX is much better and safer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The information below is incorrect and has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
-- Phone Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Name is XXXX XXXX XXXX XXXX 
My Address is XXXX XXXX XXXX XXXX XXXX XXXX  MA XXXX My phone number is ( XXXX ) XXXX, My rights has been violated. 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 or other personal consumer reports

The consumer reporting agencies need to report all information with complete accuracy, The following XXXX XXXX accounts have been reporting to my credit for a long time with inaccuracy repeated charge - off reports, this account 's is inaccurately reported with monthly charge- offs, potentially re-aging the debt illegally. This constitutes a clear violation of 15 U.S. Code 1681e ( b ), also Omission of account transfer/sale information. The failure to report the transfer or sale of the account misrepresents its status, in violation of 15 U.S. Code 1681s2. Remove the following capital one accounts immediately as they are hurting my credit. Account XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  You have also updated dates of payment inaccurate making the account even more inaccurate.
Product: Checking or savings account

On XX/XX/2020 ( today ) I deposited {$420.00} into my Bluebird by American Express checking account through their partnership at XXXX. ( Through the money center, Bluebird transaction ID : XXXX ) I proceeded to buy a few grocery items while I was there and by the time I got home I received an email saying the following : " During a recent review of your Account, we noticed activity that was in violation of the Bluebird Member Agreement, section : D22 Due to the violation your Account has been locked and your Account privileges have been suspended. 

If you have any questions, please call XXXX  XXXX XXXX at XXXX. 

Thanks, The Bluebird Team '' I called their account privileges number and was told that my account is permanently closed for a return of some kind, I repeatedly asked for more information or if there was a corporate number I could call or if they could send the remaining balance to the address on the account. I was told there was nothing they could do. I can't log into my account or use my card, I can't find any more information regarding what actually happened. There was no other activity before today for at least a few weeks also. 

I called their customer service number repeatedly attempting to talk to a human being but the computer just says my account is suspended and hangs up, offering no more options. The automated email that is sent afterwards wants me to write to a PO box .

This has apparently happened to hundreds of others with the exact same issue, had I known they did this I would have never banked with them. All I would like is access to the money I just deposited today.