23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

EQUIFAX continues to accept inaccurate information from XXXX which results in re-aging of the account keeping it on my Credit Reports since 2006. I have disputed it with them over 12 times and even though they acknowledge my facts nothing ever happens. EQUIFAX shows the item has been on my Report 93 months well over the 7 years allowed by the Fair Credit Reporting Act. XXXX is guilty of Fraud. XXXX & XXXX XXXX have removed XXXX from my Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation because I need an explanation why two of these accounts are still being reported on my credit file - XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX.. After waiting over 90 days for a response, still nothing, they have taken over 90, this is a violation and they are required to remove all the accounts.

Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete an account which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE!

Your assistance in resolving this concern as soon as possible is appreciated.
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries on my credit report. Please remove these to prevent further damage to my credit.
Product: Checking or savings account

XXXX months ago overdraft fees and had a problem with my account where a charge of XXXX was charged to my account. That I did not do. Caused my account to overdraft and they would not investigate to return my funds.
Product: Credit reporting or other personal consumer reports

I paid off my Best Buy credit card balance in early XXXX. Citibank is still reporting to the XXXX credit bureaus that I owe about XXXX dollars with a closed account and no new purchases. I disputed my balance with XXXX with a receipt, and they told me I still owe the debt notwithstanding the evidence.
Product: Mortgage

In XXXX of 2019 I refinanced my home with LoanDepot. They transferred my load to Rushmore Load Management Services Inc. After doing so LoanDepot withdrew the XXXX Payment from my bank. XXXX said they sent this payment to Rushmore. Now Rushmore says they have no record of payment. I am being charged a late payment every month that I do not owe as well as the missing payment.
Product: Mortgage

Mortgage junk tried to give me a bill of XXXX  XXXX. Without even doing the loan. Or even getting me term sheets. Or qualify me. Scam company. 

Company info. 
XXXX XXXX XXXX XXXX  Originator Nexa Mortgage.LLC XXXX  # : XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

myEquifax loging is broken. 

Getting. " We are temporarily unable to complete this request. ". 

Tried calling customer care they told me to remove cookies. I tried noting seems to work. 

I'm unable to freeze my credit report.
Product: Vehicle loan or lease

My problem with NMAC is they reporting negative information on my credit and they saying I am missing payments when I am not. 
I sent them a certified letter requesting information for my account but they never responded. I then contacted the XXXX XXXX for help they reply was they are correct and they will send the information to XXXX XXXX. But I never receive any information from NMAC. I contacted XXXX again reporting the outcome from their help. I have yet to hear from them again. 
I do have the right to have a paper statement and NMAC refuses to send to me. NMAC put my car into repro status why when they are stopping me from paying my car off! Here my email to XXXX   Dispute Resolution Associate XXXX Serving XXXX XXXX Texas XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX Start With Trust -- -- -Original Message -- -- - From : XXXX XXXX [ XXXX : XXXX ] Sent : Friday, XX/XX/2018 XXXX XXXX  To : Complaints XXXX Subject : Unfair business Practices Complaint ID # : XXXX Business Name : Nissan Motor Acceptance Corporation I XXXX XXXX has not been made whole as of yet Nissan  still have not sent a letter explaining their actions but they did allow me to make payments on the website. I went on their website changed it to paper statements they have yet to send me a paper statement they still practicing unfair treatment to customer. I would like a itemized statement of my account whats so hard about that please in my reply to them my next step Im calling the federal trade commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

A citi bank credit card was opened in my name XX/XX/2019. It has been written off with a balance of {$1000.00}. I did not open the account. I have contacted Citi Bank numerous times to remove the account and they continuously refuse to remove the account from my credit report.
Product: Student loan

" Thank you for submitting your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. You are not eligible yet, as you have not yet made the required XXXX qualifying payments necessary to be eligible for XXXX. To qualify for XXXX, you must make XXXX qualifying payments. In addition to making XXXX qualifying payments, you must also be working full-time for a qualifying employer at the time you apply for and receive forgiveness under XXXX. XXXX This is the email I received. I just consolidated my loans from XXXX XXXX Mohela and applied for XXXX. When I did this, I made copies of all of my payments ( more than XXXX ) to XXXX and re-applied for XXXX. I am also working full time at a qualifying employer. Once XXXX loans were consolidated to Mohela, it says I don't owe anything now because I am in a forbearance. I don't remember requesting this and I CAN NOT get ahold of anyone to discuss. The prompts on their phone line will not let you speak to an agent and do not answer the questions I have. I have tried calling, emailing and can not get service. I have waited on the phone for hours and tried the call back option but never receive a call back.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My family had XXXX and I had applied for help with my mortgage through the forebearance program offered by village capital. They told me the government was offering assistance due to XXXX. They approved me for a Covid forebearance/fha partial claim from XXXX of XXXX through XXXX of XXXXThey told me that the payments would not show on my credit report as late because I was in a forebearance. I spoke with someone on XX/XX/XXXX and again they stated since I was in forbearance the late payments would not show up on my credit report. On XX/XX/XXXX, village capital reported on my credit bureaus the payments from XXXX of XXXX through XXXX of XXXX as late. I filed a dispute with the lender on XX/XX/XXXX for the late payments. Village capital is refusing to remove the late payments from credit reports. I have a letter from them stating I was in forebearance for the months of XX/XX/XXXX through XXXX of XXXX.
Product: Checking or savings account

I opened a XXXX XXXX XXXX  account with XXXX on XX/XX/year>. I funded it with {$100000.00} on XX/XX/year> and another {$100000.00} on XX/XX/year>. They said that if you keep {$200000.00} in the account then you will receive a {$750.00} bonus. But they only gave {$350.00} saying that I made a withdrawal of {$100.00} on XX/XX/year> so did not qualify. At the time of the withdrawal the account had approximately {$200000.00}. I believe I am owed {$400.00} for the balance of the {$750.00} bonus that I was promised when I signed up as I maintained a balance of above {$200000.00} for over XXXX months after the account was funded.
Product: Checking or savings account

Apparently the system crashed on XXXX  XX/XX/XXXX. We wasnt notified until XXXX  about the technical issues. They keep stating oh it will be fixed later today or first thing the next morning still nothing. Cant get a straight answer on how long will it take for this issue to be resolved. I have bills that needs to be paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent information to the credit bureaus with all the information requested and still haven't received anything. I have been waiting weeks. I done this a total of three times asking for this information.
Product: Credit card or prepaid card

XXXX closed a MasterCard earlier this year because of a missed payment. The account is in my name but was being paid monthly by my ex-wife. I have since taking over the account and have been paying it down. However because the interest rate is so high, it is making it difficult for me to pay it off and creating a financial strain on me.
Product: Money transfer, virtual currency, or money service

My account was compromised and my funds where depleted
Product: Credit card or prepaid card

XX/XX/2020 Bank Of America XXXX XXXX XXXX XXXX, Va XXXX Bankamericard Secured Credit Card Dear BANK OF AMERICA, I would like to ask you to reconsider my bankamericard secured credit card application. I recently applied and I was rather surprised to receive a denial regarding my secured credit card application because essentially and according to your website I was suppose to be guaranteed approval. According to your website, the bankamericard secured credit card requires you to place a refundable security deposit that serves as your credit line. 

In your letter, you listed that the reasons for the denial was because there were too many revolving credit lines. However, I have over 100 plus on time payments. My reasoning for choosing this card was due to the numerous positive reviews shared by my family and friends with respect to this card, and its great credit building tools for people with limited or bad credit. The reason for the acquisition of the bankamericard secured credit card is it will prove especially useful to me and help to improve my credit score and build credit over time, thus making certain types of transactions possible which would be advantageous for me. I sincerely believe that I deserve a chance with the bankamericard secured credit card so I can prove to you my reliability and loyalty to this bank. 



I thank you for your time and reconsideration and I hope to hear back from you soon. 

Best,
Product: Checking or savings account

I went into the Branch of Webster Bank on XX/XX/19. I deposited XXXX {$20.00} 's. One was not verified. It came out. Then I put it back in. It then registered. Before I could hit the complete deposit. The screen went blank and my card and portion of the {$20.00} 's put in were kicked back. I counted the money and realized XXXX {$20.00} 's were missing. There was a glitch in the ATM. A letter is being sent. Declining the return of the funds not given. Webster claims the ATM with the Glitch was accurate. I am not chasing money I am not entitled to and don't appreciate Webster 's handling of their ATM in the middle of a deposit. I'd rather my money gone into my account and this be the end of the matter. No I am chasing funds because of an ATM glitch.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following addresses listed as my personal information on my XXXX and Equifax credit report is inaccurate : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX. The addresses are not my addresses and I have never resided at the above addresses.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

I would like the immediate removal of the fraud alert on my file.
Product: Credit reporting or other personal consumer reports

There is a XXXX reporting on my credit report, These XXXX is not mine and is result of XXXX. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my XXXX XXXX so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Mortgage

I refinanced my home with Freedom Mortgage XXXXXXXX XXXX XXXX XXXX CA XXXX in XX/XX/XXXX. The cash out from my refinance included repayment of my major debts. Freedom mortgage used a charter company named XXXX XXXXXXXX to complete the debt consolidation portion of my loan. XXXX XXXX mailed me 11 paper checks issued by XXXXXXXX XXXX in the amount of the various account balances. I sent these checks via priority mail to my creditors. Unfortunately, 5 of the 11 checks were intercepted and stolen from the post office. The checks were deposited into an individual account and XXXXXXXX XXXX cleared the funds. 

XXXX XXXXXXXX alerted me to the fraud and informed me that XXXXXXXX XXXX  will not reissue the checks until a fraud investigation has been completed. As part of the investigation, XXXX XXXX is requiring me to send affidavits to the creditors in question and return the affidavit notarized before they reissue the check. The creditors and balances in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5200.00} XXXX. XXXX XXXX XXXX : {$3900.00} XXXX. XXXX XXXX XXXX : {$1700.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} XXXXXXXX XXXX XXXX XXXX : {$520.00} I have contacted the 5 creditors on a weekly basis since the notification in XXXX of XXXX. So far, Ive only gotten a response with the affidavit signed and returned to by one creditor, XXXX XXXX XXXX. Today I am writing as I am exhausted by this requirement by XXXXXXXX XXXX Ive spent over {$300.00} in mailing fees and no result from the 4 remaining companies. I think I am being wronged because I am paying a new higher mortgage payment and Ive yet to receive relief from the debt I had previously. I am including correspondence that I have received back from some of the creditors. This has become a financial burden as I am still paying on these debts and now have a higher mortgage payment. 

Timeline of events XX/XX/XXXX : Mortgage closed, and checks issued. Checks mailed to creditors and fraud reported. 
XX/XX/XXXX : I sent a second round of correspondence to my creditors. 
XX/XX/XXXX : Began paying new mortgage payment. No response from creditors. 
XX/XX/XXXX : XXXX XXXX  made contact but no change in requirement for affidavits. 
XX/XX/XXXX : XXXX XXXX XXXX returned the affidavit. Provided the affidavit to XXXX XXXXXXXX. 
XX/XX/XXXX : No communication XX/XX/XXXX : No communication XX/XX/XXXX : No communication XX/XX/XXXX : XXXX XXXX  notified me that XXXX XXXX  has agreed to reissue the check for XXXX XXXX XXXX.
Product: Checking or savings account

To the best of my recollection - In XXXX XXXX XXXX  at the XXXX XXXX  ATM ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) a withdrawal was attempted and denied. I then proceeded to XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) which was XXXX minutes away and attempted a withdrawal. This withdrawal was also denied. I'm assuming that the withdrawal amount exceeded the amount allowed to be withdrawn at one time. From what I can recall, I pulled into a car wash that same day and I attempted to call Citibank to get the issue resolved. I remember I had the flu at that time was frustrated when I called. I was told the account was froze and moved to the fraud department. Since that time I have called several times to resolve the issue. I was told that Citibank would mail a letter to confirm my identity and then the issue could be resolved. I have never received a letter and when I called back they offered no alternative to resolve my issue. At this point I am willing to fly to the Citibank physical location in Florida to prove my identity, but I am worried that they would say it has to be resolved by the fraud department.
Product: Bank account or service

In XXXX / XXXX of XXXX, I began to have payments debit automatically out of my Charles Schwab account for a vehicle loan I have with XXXX. I have paid this loan on-time for close to 36 months now.. Without notice or explanation, Charles Schwab stopped making those payments in XXXX of XXXX despite adequate funds to cover the payment. I subsequently was charged late fees and, more importantly, had my credit report damaged by the late payment. When I contacted Schwab, they said that the system must have set XXXX as the stop date in error. Once I asked them to provide a letter to XXXX XXXX so that my credit could be corrected, they changed their story and said that I had erroneously set up the account to stop payments in XXXX XXXX, even though the loan has payments through XXXX. I set up the payments to terminate upon the loan 's termination, not in XXXX of the preceding year. The loan is n't even due in XXXX of XXXX, so there is no reason to select XXXX as a termination date. The representative said that it was a " legal issue '' surrounding admitting to mistakes and offered to pay the late fees for me. The result of Schwab 's refusal to correct the issue is that my husband 's credit has dropped by over XXXX points. We are applying for a loan for a new home, and Schwab 's error is going to cost us thousands in additional interest expense, assuming that we even qualify for a loan any more. Outside of the late payment for XXXX, his credit is clean and used to be in the high XXXX 's.
Product: Student loan

Navient will not allow me to put the extra money on the loan I want to. In order to pay more money between my XXXX loans. I had my loans in deferment and forbearance where they charged me interest and now I am also being charged an additional day rate interest. I did tell them I would be seeking legal aid because it is against the law what they are doing. I did NOT sign or agree to anything pertaining to addition interest charges being added daily, when my loans where in both deferment and forbearance agree to more interest. They refuse too help me and to allow me to put the extra money on the loan I want to pay off first. Navient has the rudest, most unhelpful people working for them. When I pay extra on the principal they are charging me an interest fee on top of the daily interest they are charging. So I am being charged a daily interest, monthly interest, forbearance interest and the interest fee on the principal. The school is closed on top of it. So I am stuck paying for something I was never able to fulfill on top of all these fees. Any help would be great since this school is CLOSED! It was The XXXX XXXX and XXXX in XXXX XXXX, CA.
Product: Credit card or prepaid card

I tried to set up recurring payments with Chase bank and they do not offer different amounts online. called  Chase vis a and they confirmed it. only way is to pay each month separate. when asked if this was to force minimum payment to collect interest he agreed. this practice has to stop!
Product: Vehicle loan or lease

1. I leased a new XXXX XXXX on XX/XX/XXXX with 39 monthly payments of {$360.00} as the terms of the lease. Ally is the Lender, and XXXX XXXX XXXX ( XXXX, OH ) was my Car Dealer. 
2. Paid each month to Ally on time and in full for 35 months ( last payment made on XX/XX/XXXX ) 3. Sold my XXXX  to XXXX XXXX ( XXXX XXXX XXXX ) and leased a new truck from the same dealer on XX/XX/XXXX. 
4. XXXX XXXX overnighted payment on XX/XX/XXXX to pay off my existing lease with Ally on XX/XX/XXXX. 
5. Check from XXXX XXXX was cashed by Ally on XX/XX/XXXX and was posted to my online account. 
6. I never received payoff confirmation from Ally or closure of my account notifications. 
7. It has been over 43 days now since the lease was paid in full and my account is now showing in a past due status. 
8. I next contacted XXXX XXXX on XX/XX/XXXX to confirm payment was sent to Ally. It was. They also stated they had had over 15 similar situations with Ally beginning in XX/XX/XXXX - approximately 15 transactions similar to mine. 
9. I contacted Ally 's Lease/Dealer numbers the same day - XX/XX/XXXX, with no resolution or explanation. I tried again on XX/XX/XXXX - twice - each time I was instructed to contact the Dealer for resolution. 
10. The call center was located offshore, and there was no concern or urgency to address my situation or transfer to a supervisor who could assist - even when I inquired. 
11. Ally has provided me no other means to resolve this issue.