WillisBack/dataset-financial-user-claim huggingface dataset:
I have a delinquent account that has now shown up on both by XXXX  report and XXXX  Report. I have no record of any account that I personally opened with XXXX XXXX that would be delinquent.

The amount that is now showing up as a negative Pay Status is for {$2400.00}.

I've filed disputes twice with both XXXX and XXXX  and they have left the derogatory comment on my reports stating the information has been investigated and is correct. I've never been contacted or again have EVER had an account with XXXX XXXX in the past 7 years.
My Mortgage servicer is LoanCare , LLC which is part of XXXX XXXX XXXX XXXX. The Mortgage Payment is due every XX/XX/XXXX of the month and late after the XX/XX/XXXX of that same month. I have not been late since LoanCare was assigned to me by XXXX XXXX in XX/XX/XXXX. But since then I have notice some anomalies in the activity of my escrow account that lean toward making it difficult to pay on time and bring up my credit score because of on-time payments. In XX/XX/XXXX there were funds moved in and out of the account for nothing on the surface. But when you look at it closer, the movement exhaust the escrow causing an advancement from the mortgage company, therefore increasing the balance of the account to drive down the credit score. This allows all attempts to get a better loan to fail because your score is just below the approval line. 

In XX/XX/XXXX the Escrow Account was drafted in XX/XX/XXXX when it did not need to be drafted till XX/XX/XXXX for Tax bill due. But LoanCare chose to do it early because they could cause a temporary advancement to drive down the credit score. Payments in XX/XX/XXXX and XX/XX/XXXX would of been sufficient to pay ALL of the taxes outstanding before the XX/XX/XXXX Due date. 

Also I pay all my Mortgage payment online through my own checking account XXXX XXXX XXXX. This way I can keep a meticulous record when the bill is paid. Also the payment is drafted electronically in 24 hours. But I have noticed that though the account is funded, LoanCare does not credit the account for 3 to 4 days. LoanCare does not have a local branch in the XXXX area and all Online payments through their site cost a fee. 

This account is intentionally made difficult and expensive to cause defaults and foreclosures to struggling homeowners. I have attached copies of proof of the above statements. If you have any questions I can be reached at XXXXXXXXXXXX. Though I have filed a complaint with my Mortgage Servicer I do not expect them to change their behavior. I will be passing on to the press this information too.
On X/XX/17 I reached a settlement agreement with XXXX XXXX XXXX for the account ending in XXXX with an original balance of {$14000.00}. The account is now paid in full. XXXX XXXX XXXX updated my credit report with all three bureaus to reflect the payment I made, showing a remaining balance due. The accounts do not show paid in full and remain as charge offs. I have exhausted the dispute resolution process with Experian, XXXX, and XXXX and am seeking assistance from the CFPB to resolve the matter. I have attached the settlement letter and a recent copy of my 3 bureau credit report. <P/>XXXX XXXX XXXX has been paid since XX/XX/XXXX and the company has failed to timely send confirmation of settlement to me, and failed to accurately report the account on my 3 credit reports, to include inaccurate investigation results.
On my husbands credit, it continues to show late payments for months now on a property that was foreclosed in 2009. The company is Real Time Solutions. We are not able to move forward to buy a property because of the damage this has caused.
Dear CFBD, My name is XXXX XXXX and my wife XXXX and I were first time home buyers in XXXX XXXX XXXX in XXXX Illinois XX/XX/XXXX. We Financed a loan from Wells Fargo at 100 % at {$290000.00} and could n't afford to put XXXX % down so they split it up to an XXXX loan. They XXXX % loan is fine, but the XXXX % ( or Home Equity Loan ) is robbery. This loan was purchased at {$58000.00} at 9.25 % and was a 15 year loan with a balloon payment of {$47000.00} at the end of its term. Our payments consist of {$480.00} per month and over the last 9 years of onetime payments, our remaining principal balance is {$53000.00}. Over the years I have reached out my concerns to Wells Fargo about this loan and as a first time homebuyer, we did not understand the terms of this loans until a couple of years after its purchase. I went through a modification program, settlement program, and Home Equity Line of credit refinance program for this loan. They were all rejected by Wells Fargo because they see my wife and I are both working and can afford to make our payments. We have weathered the financial crises storm of XX/XX/XXXX and XX/XX/XXXX, but over the years our neighborhood did not. During that time period our house lost about {$100000.00} of its {$290000.00} from its initial purchase. Our house remains about {$35000.00} under water and with our bad home equity loan, at the very least Wells Fargo can do is modify this loan and have a normal financial rate. Our house has put us into so many struggling years and Wells Fargo is to blame for providing and tricking us with this bad loan. After over {$51000.00} of payments on a {$58000.00} loan, we still owe {$53000.00} on this loan. This is robbery. Our Wells Fargo Home Equity Loan account number is XXXX. If you could please look into this and do something about it, that would be much appreciated. That is the only right thing to do. 

Thank you, XXXX and XXXX XXXX
Experian is showing an account in collections that has been paid. It is XXXX XXXX XXXX XXXX. I have disputed this but they have kept it on my report. I tried uploading the receipt showing it was paid but I am getting an error so I am uploading it here so they can see it.
During a time of XXXX BBva compass allowed someone to use my identifying information to open several loans and account and bank accounts.
There was a fire in a home I owned. My homeowners insurance company ( XXXX ) sent a check to my mortgage company ( XXXX ) for {$42000.00} that was supposed to be given to me to rebuild my home, or used to pay down my mortgage. With it, they included a letter to XXXX Stating that if more money was needed to pay off my loan, that all that needed to be done was for them to ask for the rest of the money. I never received a copy of the check or letter. XXXX cashed the check but never credited my mortgage account. My original loan amount when I bought the house was {$62000.00}. I had paid it down to {$58000.00}. The check from state farm for {$42000.00}, was supposed to bring my balance down to {$16000.00}, but XXXX never credited my account. They also could have asked XXXX for the remainder of the money, or at least informed me of the check and letter, so I could have asked XXXX for the rest of it. Year after year, XXXX reported to all XXXX credit bureaus that I had not made any new payments to my mortgage, and that the balance was still {$58000.00}, when in fact they DID CASH the check for {$42000.00} and so my balance was actually only {$16000.00}. I made over XXXX calls to XXXX attempting to get them to correct the balance on my account and no one was able to. I took it all the way to the office of the President at XXXX. Eventually, XXXX fraudulently Sold the entire amount of my loan ( {$62000.00} ) to a 3rd part loan servicing company called XXXX. XXXX, ALSO reported to all XXXX credit burreaus that I then owed them {$62000.00}. I also contacted them MANY times to tell them that I already paid it down to {$16000.00}. Despite my sending the credit bureaus a 2 sided copy of the check from XXXX that XXXX cashed, they still refused to remove the item from my credit report. I would like all negative items from XXXX and XXXX removed from my credit report. The copy of the check that was cashed by XXXX is attached. Also attached is my credit report. Please note the XXXX item is on page 3 and the same item as reported by XXXX is on page 10.
On XX/XX/XXXX my Ex husband passed away. In his Last will and Testament he named me as executor of his estate and in the time since I have been trying to handle his affairs. I was appointed personal representative of his estate by the probate court onXX/XX/XXXX and have been trying to close a checking account since that time. I have contacted PNC bank with numerous phone calls and on 4 separate occasions via mail sending various documents that were requested. I still have not been able to close the account and transfer the funds to the estate account. PNC bank was provided with death certificate on XX/XX/XXXX and XX/XX/XXXX. PNC was provided with the death certificate and personal representative paperwork on XX/XX/XXXX and XX/XX/XXXX. To date I still have no resolution to this issue and when contacting PNC customer service I am told that they have no record of the issue.
I opened a checking account with USAA Bank a few years ago but XX/XX/2015 I had my Veterans Pension directly deposited to my account. I had a checking and credit card account. The credit card account was secured with XXXX deposit from me. My checking account was used to cover my credit card account in case of overdraft. One day last year I had to contact the bank to have them take the XXXX dollar security for the secured mastercard out of my account and deposit it into my checking account but upon hearing the statement that the funds would not be available the same day, I told the phone representative that I did not want to proceed because that was the last question he asked before he would have made it final. So the transaction was not suppose to go through. Eventually it did and caused my checking account to go negative for the XXXX dollar amount and that affected my account due to other financial transactions that was scheduled to be debited. It caused my checking account to be accessed overdraft fees by USAA Bank for the transactions that was pending, etc. I contacted USAA on several ocassions by phone to have the situation remedied but only got some of the money credited but still had over XXXX XXXX dollars owing for a mistake they made. Now my account was closed and my credit card XXXX dollars security deposit was lost.
I tried to close out my account on XX/XX/2018, when the bank advised me that everything had to be paid out before closure. I said okay, but I need all the NSF fees and any related fees removed as I had added a STOP payment and STOP ACH which means nobody should be allowed to take money out, therefore not causing me to have any type of fees. The bank failed to fulfill that and I have been charged fees ever since and I have not used the account in over three months. I advised them I refuse to pay unless all the fees are taken care of. I spoke to XXXX over the phone and she stated she submitted a ticket and all fees should be reversed as soon as possible, this never happened. I went to a branch and they state to just keep calling, I don't have time for that. I was told all fees should be reversed and that my account could be closed once I pay off the balance. I want to close my account once the fees get taken care of.
XXXX and XXXX XXXX XXXX are on my credit reports. the problem is they both say different amounts and limits. I sent them each debt validation letter, have not recieved anything from XXXX but they extended sol to XXXX. It seems funny that portfolio sol is XX/XX/XXXX.Did recieve doc from XXXX, just what credit report says. Trying inprove credit, these were long ago. Just do n't remember.
For almost 10 years, I had a checkings and savings account with Bank of America. The minimum monthly balance requirement on the account was {$25.00}, and for years I maintained exactly that balance, never incurring an maintenance fee. Without notifying my, sometime in early 2018, BofA raised their minimum balance requirement to {$300.00}. All of a sudden, for 5 months in a row I was charged a {$5.00} maintenance fee without any idea why. I just spoke with them on the phone, and they told me that the maintenance amount never increased, which is simply and demonstrably false. I double checked my email as well ( I have paperless billing ) and never received notification of the increase.
Good afternoon I thank you for responding back to my complaint inference to discover account XXXX XXXX I would Like to ask you per The FCRA XXXX ( A ) ( XXXX ) ( A ) AND sECTION XXXX ( A ) ( XXXX ) ( A ) Per the the FCRA I have the right to ask for a copy of the application with My Signed Signature attached It 's a federal Law also If you could provide The cfpb a copy of this document If you are unable to Provide this Information I urge to to remove this account from my credit file XXXX. Disclosures to consumers XXXX XXXX XXXX. XXXX ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer : ( XXXX ) All information in the consumer 's file at the time of the request except that -- ( XXXX ) if the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and XXXX - XXXX U.S.C. XXXX XXXX the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 
( XXXX ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 
( XXXX ) ( A ) Identification of each person ( including each end-user identified under section XXXX XXXX XXXX ) ( XXXX ) [ XXXX ] ) that procured a consumer report ( i ) for employment purposes, during the XXXX period preceding the date on which the request is made ; or XXXX ii ) for any other purpose, during the XXXX period preceding the date on which the request is made. 
XXXX XXXX XXXX XXXX identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and XXXX ii ) upon request of the consumer, the address and telephone number of the person. 
( C ) Subparagraph ( A ) does not apply if - ( i ) the end user is an agency or department of the United States Government that procures the report from the person for purposes of determining the eligibility of the consumer to whom the report relates to receive access or continued access to classified information ( as defined in section XXXX ( b ) ( XXXX ) ( XXXX ) ( i ) ) ; and ( XXXX ) the head of the agency or department makes a written finding as prescribed under section XXXX ( b ) ( XXXX ) ( A
I have numerous credit inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquires and no account attached to them. Transunion is stating that " inquiries are a factual record of file ''. How are these inquiries factual when the creditors have no account. These inquiuries are factual permissable purpose but inaccurate. I request for them to be deleted.
I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. I also disputed this information with the three major credit bureaus : XXXX, XXXX, and XXXX, who responded that the information was verified. I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
On XX/XX/18, i called Equifax to discuss if there is a freeze on my credit report and if so, understand why. When i called, the agent answering my call asked the security questions of which i answered all. Then when I asked my question, the agent said that she will not answer the question. Furthermore, she requested a copy of my social security card and a copy of driver 's license. When i asked why she needed these documents, she still refused to answer and insisted that she will not answer until she receives the requested documents. Two weeks ago, my husband and I were purchasing a vehicle and the dealership was able to pull my credit score just fine. When I wanted to check my credit score, i am seeing resistance that does not make sense to me.
HI, I was trying to make a payment with CapitolOne credit card for {$110.00} dollars on XXXX/XXXX/XXXX and the company processed a payment for {$110.00} and {$100.00}. I never authorized a payment to be processed for {$100.00}. I asked to have an automatic payment started next month but the agent started it that day. I tried to speak to them the next day when I seen it post on my account. The issue was not resolved at that time and it has not been resolved yet and the money was taken out of my account.
Sent out first letter certified read receipt asking for validation of debt. The letter was signed for XX/XX/XXXX, no response. Second letter certified read receipt signed for XX/XX/XXXX, still no response. Disputed with Credit Bureau on XX/XX/XXXX, still no response but it is being reported on credit report.
I am XXXX XXXX, not that this makes a difference. I have made many attempts to get this problem fixed. Let meexplain ... back in XXXX  my bank account at citizens was hacked. Thats where my problem started. At the bank recommendation i closed the hacked account had a my money transferred to a new account canceled all my debit and credit cards. At that time citizens was suppose to setup a predetermined automatic monthly Payment to this credit card. They did not do so.. after I was notified that my credit score was affected by my credit card minoring company I called the bank, this was in XXXX.. The bank apologized canceled the late charge fee, and assured me the problem was resolved. Well it wasnt. I made phone calls every month to citizens regarding this problem. They in fact acknowledge that they are aware of the problem. Now it is 6 months later, I have notified the bank in person numerous times, have also made at least 50 phone call with regard to this problem. They always acknowledge that the bank is aware of the problem but they cant remove the late fees which now amount to over {$300.00} because it now exceeds the limit that can adjust. So basically they say nothing can be done. This is both XXXX  and unacceptable why should my credit score along with additional late fee charges be my fault because of the banks incompetence. Please help ... Please
waypointresgrp they keep calling but will not give me any information. they want my ss number and I will not give it to them. they want my information but will not tell me what this is all about
I went to what I thought was a reputable website and they offered to give me my free annual report. I wanted to know what my credit score was so since the website was reputable I thought I was safe. It went to XXXX, it did not give me my credit score and now they have my information and I feel unsafe with my personal information in the hands of a fraudulent misleading business. What can I do to make sure my information is safe and how are they allowed to be so deceiving?
M & t bank has been charging me overdraft fees XXXX i have done the math where the deposits an credits only equal XXXX there math says that it is XXXX. There math is wrong an shaky also i was sent a letter about a substitute check policy where u can claim a refund for a returned check i did the legwork sent the letter to the XXXX new york office i got a letter today that is untruthful. Whst can i do
To whom this may concern, I am writing to express concerns regarding TransUnion 's handling of a number of disputes and requests for information regarding unrecognized information on my TransUnion report. Specifically, despite numerous disputes and letters sent to TransUnion not only disputing suspicious records but requesting the documents, records, and actions used to make a dispute determination - TransUnion has not fulfilled its obligations under both California and Federal Law.
To be more precise : 1. ) TransUnion appears to be purposefully delaying the execution of dispute investigations that are submitted through XXXX XXXX. Historically, TransUnion responds to dispute requests within 7-10 days. However, TransUnion has taken the full thirty days to respond to multiple disputes that have been filed through XXXX XXXX. It reasons that TransUnion is delaying the submission of the dispute result to XXXX XXXX and the consumer to avoid additional disputes and or hoping that the consumer will forget about the dispute after 30 days. Either way, this appears as a rather abusive tactic to avoid good faith compliance with state and federal laws - which ultimately harms the consumer. 2. ) After TransUnion made a determination on credit accounts labeled as " XXXX XXXX '', " XXXX XXXX '', etc I made multiple formals request to be provided with the documents, records, and actions TransUnion relied upon to make their determination. To date, TransUnion has not responded to these letters no has TransUnion provided the requested documentation. Because TransUnion is not providing me with the documentation, there is no way to ascertain whether TransUnion is actually investigating these disputes in a professional, diligent, and timely manner. 3. ) It is worth mentioning that there are other outstanding concerns with TransUnion 's handling of my consumer file, which includes the willful inclusion of known-to-be incorrect address information. However, for the purpose of this complaint, I want TransUnion to address the above issues and provide me with documentation concerning my correspondence to TransUnion, the documents, actions, and records relied upon in their investigations, and an explanation as to their behavior as I try to resolve problems with my credit report.
On my credit report from Equifax it shows a bill in collection. I called this company, all bills are paid on time. I need this removed from my credit report.