WillisBack/dataset-financial-user-claim huggingface dataset:
I initiated a wire transfer for {$9900.00} from my checking account at Santander bank on XXXX XXXX XXXX. This was an international transfer from my bank account to XXXX XXXX XXXX XXXX located in XXXX. The receiver has not yet received the payment even though it was promised to be delivered on XXXX XXXX. 

Santander Bank uses XXXX XXXX bank as an intermediary to process international transfers. Santander has provided me with proof that the payment was sent to XXXX XXXX. XXXX XXXX has not provided proof that the payment was delivered to the receiver in XXXX. The receiving bank states that they have not received the transfer and that they have no record of the transfer. XXXX XXXX is not assisting with locating the funds. XXXX XXXX does not communicate with me directly because I am not their customer. They have not provided any proof of delivery or a XXXX form showing funds were transfered to the receiver. 

I am a customer of Santander Bank. Santander is communicating with XXXX XXXX on this issue. Santander is XXXX XXXX customer in this matter. 

My branch has tried to assist but they have no insight in this matter.
I have applied for a CITI simplicity card on XX/XX/2017 & it took 10 business days for CITI to pull the credit report and process further. Later they sent a letter stating they tried to contact me but they could n't reach out to me. I reality I never ever received any call from them. They asked for additional documentation like utility bill & Pay stubs in a letter that I received from them in the mid XX/XX/XXXX. When I contacted the customer care they said I can even email the additional documents to XXXX and I sent it on XX/XX/XXXX. On XX/XX/XXXX when I contacted again they said they do n't accept the documents thru email and they only have to be faxed and they have to pull the credit report again. Unnecessarily they pulled my credit report and gave all wrong information and never specified that the credit reports expire every 30days. On XX/XX/XXXX when i talked to the customer care representative supervisor he asked me to fax the documents and they will pull the credit report again which came as a shock to me. I do n't get what took them so long to process the application and then they provided all wrong information and now they are saying they will pull the credit report again.
XXXX HAS POSTED A COLLECTION ON MY CREDIT REPORT FOR {$4000.00} THAT DOES NOT BELONG TO ME ... I HAVE CONTACTED THEM SEVERAL TIMES ASKING TO REMOVE THIS FRAUDULENT COLLECTION FROM MY REPORT WITH NO LUCK.. AND INSTEAD OF VALIDATING THIS DEBT OR SENDING ME A COPY OF THE CONTRACT THAT MADE THEM THINK IT WAS MY COLLECTION THEY STARTED THEIR VERY AGGRESSIVE AND INSULTING COLLECTION CALLS TO MY CELL, WORK AND NOW RELATIVES ... THIS NEEDS TO STOP PLEASE HELP
On XX/XX/2018 I requested information on how and why my dispute was denied. I never got a response back after several more attempts to get the information. On XX/XX/2018 I called Experian again and the supervisor named XXXX said Experian the credit reporting agency will not send me a written notice that includes the name address and phone number of the information provider, clearly violating my rights under the FTC. I even explained this to her but she still refused to give me this information.
These people called me stating of a credit card that I never owed.  and stated that they were going to sue me.    My guess is that this is a scam
This is the second case I 've had like this. There system is replacing reported data with " NR ''. For years, Equifax has report my XXXX automobile account as 30 days late for XXXX XXXX. As it gets close to the 81 months of reporting, their system is turning months into " NR ''. By doing so, this is NOT allowing 7 year old negative accounts to purge off. The XXXX account is scheduled to purge off because its 7 years for XXXX.
XXXX XXXX XXXX  XXXX Payment Status : Paid Balance : {$0.00} Account # : XXXX Date Open : XX/XX/XXXX Last Updated : XX/XX/XXXX This account was to be removed from my report and to date it has not been completed. I can no longer request Equifax investigate the issue as they will not reinvestigate. Because the item has remained on my file it has impacted my obtaining credit as the vendors have specifically mentioned this item. Please remove this from my file.
I used a credit repair agency take care of the only collection on my credit report. The bureaus Inc. could not verify the account belonged to me therefore it was removed from my credit report previously. XX/XX/2018 the collection company started reporting to my credit report once again, hindering my ability to proceed with a mortgage loan. If they were unable to verify the account belonged to me, I want to see the proof to verify the debt. I currently have an open credit card with XXXX XXXXXXXX ( the original creditor according to the bureaus inc ). I dont want to see my information verified for an account not verified belonging to me with information from my open credit card. I should be protected against the unlawfully verifying of a debt under the fair consumer reporting act.
I 'm a XXXX in the XXXX, XXXX, Georgia market. I interact with a large number of real estate agents and their companies. I 'm facing unscrupulous and illegal competition in this market by Home Star Mortgage Corporation. Home Star 's entire marketing strategy is based on illegal referrals thru their contracts with realtors on XXXX and in paying rents to brokers which are n't based on market rents and are inflated to illegally benefit the broker. In particular, their rental arrangement with XXXX in XXXX Ga. and in XXXX Ga. should be looked into. 

Homestar 's system of reimbursing the realtors or in paying XXXX bills directly for the realtor in exchange for referrals is an illegal kick back and pay to play system that has greatly affected our market, and allowed HomeStar to manipulate the market to their advantage, while reputable lenders such as myself who will not violate the rules are left to compete against an unfair business practice.
In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. You must also provide actual documents bearing my signature and the application for credit bearing my actual signature. NO ONLINE APPLICATIONS I formally demand the follow negative account records to be verified, and/or removed immediately. Your invetigation into this account has dragged on for over 90 days and still no proper investigation has been done. The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
This was my daughters phone not mine. Her name is XXXX XXXX and it should go on her record not mine
The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. XXXX - XXXX XXXX - XXXX EXPERIAN - XXXX
About XX/XX/2016, my wife called USAA to get information on our home owners insurance. She was told that she had to have a USAA credit card number for her to get that information. Neither of us have a credit card with USAA. She stated that we do not have a USAA credit card. The CSR told her that she could n't help her and to call back with a card #. To that my wife said " We do n't have a card so what will calling back do? '' CSR again said she could not help. Several weeks later we received in the mail ( Approximately end of XXXX ) we received XXXX separate mailings with credit cards from USAA, which we did not request. We shredded and did not activate the cards ( XXXX total cards, XXXX for me and XXXX for my wife ). We do not feel this practice of requiring a credit card to get information about an insurance account is legal and we do not want this practice to continue. This reminds me of what XXXX just got in trouble for opening accounts for people without their authorization. It also seems like they are tying their cards as a requirement to their insurance policies. Both things I believe are illegal.
I recently checked my credit report ( XXXX and XXXX ) and found that Diversified Consultants based in Florida had acquired a collection account placed by XXXX XXXX ( Cable Company ) dated XXXX 2017. I have never had an XXXX XXXX account, and/or applied for anything related to that company. 

Several attempts to correct this issue have met with negative results, please advise on what action I may need to take Thank You,
I have been on the phone numerous times with Freedom Mortgage and their " insurance '' department regarding providing proof of my HOA 's master policy and my personal XXXX coverage to avoid or reverse their increased " escrow withholdings '' in my monthly payments. No resolution to date, and my payments have gone up from {$3400.00} in XXXX 2016 to {$3600.00} since XXXX 2016. Principal, interest, and PMI payments due to Freedom Mortgage should reported be at {$2900.00}, so they are negatively impacting my credit reports.
This concerns a report to the " XXXX XXXX XXXX XXXX ''. A XXXX XXXX from PNC Bank k submitted a " Dishonored Check Reporting From '' to this organization. The form listed a check. The listed check was honored. I asked that they correct their error but to no avail. A XXXX XXXX from PNC Bank called me and just read off pre-prepared form with excuses without substantively addressing the problem or taking an interest in correcting the problem. Now I have an attorney grievance committee filing a complaint about a dishonored check that was in fact honored.
I purchased a car from the seller XXXX XXXX XXXX XXXX when is was located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX on XX/XX/XXXX. I had two different cars with them, a XXXX XXXX XXXX, which lasted in my hands not even one full day with me because the car was damage. The dealer had the vehicle approximately for two week at the mechanic, at the end they coul n't fix it. So they gave me this second vehicle, a XXXX XXXX XXXX, which lasted with me approximately 3 weeks - 1 month. The car was damage too and they wanted me to pay for it no metter the siuation. I loose {$1500.00} that I gave for down payment and {$370.00} of the first monthly payment, and that same day I ended up with no CAR and no MONEY. The vehicle was financed by XXXX XXXX XXXX. Recently I tried to refinance another vehicle that I have under my name and I couldn't do it because after a whole year of not having that account anymore, the account still open on my credit report. I talked directly with XXXX XXXX XXXX, and they told me that the account was closed since XX/XX/XXXX. The account today, Tuesday XX/XX/XXXX still as OPEN on my credit report.
I am a  XXXX  Veteran who is on a fixed income. I have been a member of  USAA  for over 10 years and the level of service and malice to the   XXXX   XXXX  community  and veteran community should be widely addressed. I have never had an issue with them until recently when my monthly deposit was made to the account and I was unable to retrieve my funds. Without warning of written notification, my account was locked due to me owing them {$35.00} in my savings account, which I was unaware of but would have gladly rectified earlier on if I knew it existed. So to my surprise when I called to get the matter handled I was told that I have to w ait 3 business day s in order to use, withdraw or pay any bills from this account. No matter how far up the chain of command I went even to the point of tears. No one can help me. Its set in stone the computers would not allow them to override it. I express to them that this is all the money that I have and that I have my monthly bills coming out of this account, so I asked them, will the checks that are about to hit my account cause my account to be overdrawn and will I be charged for it? and the answer was unfortunately yes. I even offered to make the {$35.00} deposit at a branch if that would speed up the process. And was told that I would still have to wait th e 3 bu siness days. I ca n't believe that a bank is allowed to freeze your monies in another account based off you owing in another??? is n't that what  XXXX   XXXX  just got penalized for their debt collection practices? As to date I was told to  wait the 3 working days, which today is Friday and does n't count, in order to retrie ve my funds. Ohh I was told an alternative was to open a credit card account with them and that can get me money faster.
We applied in to refinance our house because of the high interest rate of 6.50, at that time the rate had dropped as low as XXXX. Citibank acquired our loan in 2006 from XXXX. Citibank was fully aware that they did not service manufactured homes when they purchased our loan. Our house has a different status that is to be considered the same as a standard house. Documentation was presented from the State Housing Department, Citibank refused to recognize the documents. Citibank refused to allow a refinance or later assistance due to hardship. A representative even stated,. that they should not have purchased this account because they do not service those kind of accounts but because they have it we are basically stuck with paying the higher rate. I feel Citibank refuses to recognize or housing status to ensure we are not allowed to lower the interest rate to force us to continue to pay the {$2800.00} mortgage payments., As a homeowner we have the right refinance if we quantify by our pass payments and credit score, both were OK according to Citibank when asked. We contacted our XXXX and the state housing department later we were referred to cfph for assistance.
A representative from the Collection Agency called XXXX XXXX has called my job several times stating that I have a debt and they have a wage garnishment. He spoke with the company 's secretary and in another occasion with the vice president. This debt is from 2006 and I think is a prescribed debt.
We refinanced our home loan and have been paying monthly on time. The mortgage company did n't end the original loan and they keep sending us default letters and are reporting it on our credit report that we are in default. We have called the mortgage company 4 times, every time we get a loan default letter. They keep telling us the same things that the computer is spitting out these letters and making excuses. We ca n't get the mortgage company to make the status of the past loan paid off like it should be, instead they are reporting it every month as defaulted. We have XXXX mortgages on our credit report, XXXX we are paying on and XXXX that we are in default and should have been paid off. They are hurting our credit score by reporting a loan we no longer have and that it is in default. We are afraid that they will start the process of repossession on this loan that we do n't have anymore. What can be done?
I applied for a loan modification with Ocwen Loan Servicing on XXXX/XXXX/XXXX after receiving a notice from Ocwen that my payment was going to increase 80 % effective XXXX! The initial response from Ocwen was a request for additional supporting documentation. I complied with the requests and each time I submitted documentation we scheduled a meeting with a relationship manager which was typically scheduled 3 weeks from each contact. By XXXX/XXXX/XXXX the meetings with my Relationship Manager ( of which I have had 3 separate individuals instead of a single point of contact ) became petty. In this particular meeting he asked me to complete the XXXX form by adding " XXXX '' in the blank space. I advised him my XXXX tax return has been extended and I had already provided documentation of such about 30 days prior. On XXXX/XXXX/XXXX I was advised a specific section of the application only had my first and last name. I was asked to insert my middle name and resubmit. My file was then bumped out 3 weeks for my next meeting with the relationship manager. My most recent meeting which occurred on XXXX/XXXX/XXXX and was with a XXXX Relationship Manager. She was not familiar with my file and began to ask me why my application had been pending since XXXX. She placed me on hold XXXX separate times in order to familiarize herself with my account but by the end of the call she said all of my documents are older than 90 days and therefore I will need to start over by submitting a new application. I attempted to explain to her that I have submitted the same documents on multiple occasions and had it not been for the 3 week delays every time I submitted a document then the application would never have taken so long. My mortgage is still scheduled to increase by 80 % on XXXX/XXXX/XXXX and I am under the impression my application was intentionally delayed in order to capitalize on my increased payment.
To Whom It May Concern I have a VA Mortgage with Freedom Mortgage Co. beginningXX/XX/XXXXXX/XX/XXXXand as ofXX/XX/XXXX, I was contacted by Freedom Mortgage that I was eligible for a IRRRL Loan and to contact them by Phone. ( Notice datedXX/XX/XXXX ). I called and spoke with a man named XXXX XXXX, a VP for Freedom. I  was told the new Mortgage would lower my payments and there would be no out of pocket cost and no added cost would be added to the original Mortgage.The new Mortgage went down from {$1300.00} to {$1200.00}. On XX/XX/XXXX, I received a statement that Freedom Mortgage had taken my escrow money for the sum of {$2100.00} and that the new projections show that I was in the hole for {$770.00}. See XX/XX/XXXXStatement. There was no mention at any time that Freedom Mortgage would take my escrow account and then raise my Mortgage Payments. My new Payment is {$1300.00}. I tried to contact XXXX XXXX but he will not answer his phone, and Freedom 's customer relations, or other departments offer no solution. I just found out about CFPB and hope you can help resolve this problem one way or the other. Sincerely
I had an automatic payment of {$50.00} scheduled for payment to my XXXX XXXX Credit Card, because my minimum due ran around {$33.00} per month. In XX/XX/2016 i made some bigger purchases using my XXXX XXXX Credit Card, which them increased my minimum due for the month of XXXX. During this time I was out of the country and did not realize that the minimum automatic payment i had set up was not going to cover the increase to the minimum due causing for my {$50.00} automatic payment to not be enough to cover the minimum. This situation caused a negative reporting to the credit bureaus by XXXX XXXX which reduced my credit score by 95 points for this one late payment reporting. I tried contacting both XXXX XXXX and the credit bureaus because i felt that 95 points was too much for just one late payment, which was not even late it was insufficient. When speaking with one, they would tell me to contact the other. I opened a dispute with the credit bureaus and got no resolution.
I am writing as a follow up to Complaint # XXXX ; In which The Company responded on XXXX XXXX, 2017, indicating that this account would be closed per A. XXXX ; XXXX XXXX. 
The account was indeed closed, finally after more than 2-weeks of my paycheck continuing to be garnished for a total amount of : {$330.00} being illegally garnished from my paycheck due to an illegal civil judgement. 
Since this time, I have not had any follow up from this company, or attempt to return the money that they have already received from my paychecks. 
I am asking that this full amount be retuned immediately.
I request a Credit Report from Experian on XXXX/XXXX/2015, at the same time XXXX request the same credit report from the same company, both were very different scores mine shows FICO XXXX, XXXX XXXX shows FICO XXXX, this discrepancies makes big differences at the time to set rates for Home Loan or Credit Card. In my humble opinion someone has to regulate the game that the credit report company has, XXXX with the consumer, the other with the vendor, is not ethical. 
The issue is that I ca n't print the report because give you an error.
I HAD AN OUTSTANDING BALANCE OF XXXX ON A XXXX XXXX CREDIT CARD.

I HAVE PAID OFF ANY REMAINING BALANCE, IN ONE FELL SWOOP. THUS, SHOULD MY SCORE NOT GO UP BY, AT LEAST, 34 POINTS? ( CREDIT SCORE IS BY DIVISIBLES OF 5. $ XXXX= 1 POINT. ) PLUS, AN ADDITIONAL AMOUNT.

I ALSO HAVE AN XXXX  OPEN BUT THIS SHOWS NOWHERE ON MY CREDIT REPORT.

I HAVE NEVER EVER BEEN LATE WITH A PAYMENT FOR ANY CHARGE CARD. EVER.
I sent complaint letters to XXXX, where I requested them the investigation of few suspicious and inaccurate accounts in my credit report. They received the XXXX XXXX on XXXX, 2015 and the XXXX XXXX on XXXX XXXX, 2015. As of today 's date, I have not received any answer from them. I am desperate because I would like to buy my house and this situation is greatly affecting that possibility. They have exceeded the time allotted for investigating and have not answered any of my questions. This further supports my suspicions that the information is not mine. I do not believe that i am a victim of identity theft, I just feel that the information was mistakenly reported to my credit history
Experian, credit report, refuses to send me my disputed credit report. Experian is giving me a very hart time, since XXXX 2015, that I am disputing XXXX items that are not mine and dont belong to my self. Experian its not complying with State and federal Laws and Experian is braking State and Federal Laws. After 30 to 45 days by Federal Law Experian must mandatory send me my dispute on my credit Report. Until present, and after 45 Days Experian did not send me my results of my dispute. I am requesting to the CFPB, to investigate Experian and to request from experian my dispute, that experian did not send me after 45 days time limit, my credit report. Its a Fedral Law, and experian Must comply with it..
Gm financial is who are loan is with we joined the  XXXX  and sent in are paperwork for the service member civil relief act and they dont want to honor this act
I was victim of identity theft, I do not owe this, already claim it with XXXX and it was remove from my credit report