WillisBack/dataset-financial-user-claim huggingface dataset:
I am filing this complaint because EXPERIAN has ignored my request to provid me with the documents that their company has on file that used to verify the accounts I disputed.Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... .promptly delete all information which can not be verified. '' that I have disputed.Please resolve this matter as soon as possible. Thank you
I have never authorized XXXX XXXX XXXX to collect or share any information about me. I have no contract with XXXX XXXX XXXX and have never requested any money nor services from them. They have no legal right to be on my credit report. Delete this account from my credit report immediately, or provide me with contracts validating I have a contractual agreement with XXXX XXXX XXXX. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. No Contract with XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$590.00} Opened : XXXX/XXXX/XXXX NO CONTRACT WITH XXXX XXXX XXXX
On XXXX XXXX, 2016 I called Wells Fargo about depositing my {$1000.00} loan from my XXXX check. I was told that it would be added to my balance on the following day. I deposited the check and the bank added the check that morning and then removed it from my balance telling me that the check had been returned. I then contacted XXXX, my XXXX company and asked for a explanation. I was told that they did not have any problems on their end. So I contacted the bank and let them know what was going on. The bank told me that my check would be released the next business day. However, I came to find out that wells Fargo has placed an extended hold on my check so that it does n't get released until XXXX XXXX. This is ridiculous and then the bank told me that it was nothing I could do and I could not get the check back and that I would have to ride it out. I told them that it was an emergency and that I would n't have done it if I could wait until the XXXX. However they told me that I could n't do anything about it. I spoke with a supervisor who basically laughed and said " We have had problems with this company before, so you will have to wait ''. This is not a normal bank practice and I am angry. I do n't believe that this is a normal business practice. I have had bank accounts with several other banks where the customer is not lied to like this. My check was not returned. I received the cashed information from XXXX, where the check was cashed XXXX/XXXX/16 and paid.
On XXXX I was told by a boa cust care resolution specialist XXXX XXXX that i owed additional interest on a modification that was signed by boa XXXX and not filed or completed until XXXX .I recvd a copy of the response to cfpb from XXXX stating that it has been verified thaht on XXXX boa made adjustments to the loan to show they had recvd XXXX thru XXXX payments on time. now boa is stating that additional interest is owed. I have abided by the agreement. I have the final mod stating when the payments, conditions and terms of the loan begin and end.XXXX stated XXXX that the payments were just estimates and i should read my agreement.NO this is not stated on the final agreement. I want this entire modification process to be audited by the cfpb..
I received a mortgage modification from Seterus. After the first payment they reported it to the credit bureaus as current. XXXX XX/XX/XXXX 's payment ) Since that time they have not reported anything in regard to my payments. They are also reporting an incorrect balance that was not nor has been the balance in years. They had no problem reporting when it was late and now that it is current they have not reported. When I called I was first told it was coded incorrectly. Now I am being told that their is an internal accounting error. Yet again, with Seterus no one seems to have the same answer or resolves the problem. I need them to report my mortgage payments that are and have been current so that my credit score recovers. If they are unable to do so in the 30 day time frame as requested two weeks ago, under law they should remove the negatives and the incorrect balance as they are hurting my credit now for several months. This has also been disputed with the credit reporting agencies.
Freedom mortgage lost my XX/XX/XXXX mortgage check, thus charging me {$40.00}. I sent in a replacement check which they also lost, and charged me another {$40.00} and adversely affected my credit rating. OnXX/XX/XXXX I received a peculiar phone call from Freedom Mortgage. The individual on the phone bluntly asked me if I had sent in my XXXX mortgage payment. I was rather taken aback by this strange call, and said, " Yeah I did, Why? Did you loose that one too? '' He answered by telling me that they were calling random mortgagee 's and asking when they sent in their mortgage payments. I always sent mine in 3 or 4 days before the first of the month. He continued on to tell me that they had been having trouble getting their mail at their mortgage receiving facility since about mid XXXX. I replied, " Oh, is that why both of my XXXX checks were lost? '' He simply said, " Probably. '' I asked him if I could get something to that effect in writing so I could restore my credit. He said he would send me a letter stating the problem, but he was probably told by his superiors that such a letter would admit guilt. needless to say, I never got that letter. I never had a late mortgage payment in 23 years. Now because of their own negligence I have a bad credit rating, dropping about 100 points for two late mortgage payments. I have since sold my home, but would like to buy another. I have written several letters asking them to expunge the bad rating they caused, and to restore my credit. They have refused to assist me on any level. I know they are in violation of UDAAP laws as they knew this problem existed for about a year, and dragged their feet in getting it resolved with the Post Office.
I have spoken with over XXXX representatives over the phone and I have not been able to get the proper information on resolving this issue. This agency pulled up XXXX addresses under my name and ssn that were linked to an eviction and denied me as such. I explained that I was the victim of identify theft over 5 years ago and that none of the addresses that they had were mine. My address has been XXXX XXXX XXXX XXXX NJ XXXX for over 13 years. I was told to send in a letter stating such,. I did that successfully. I was then told to contact XXXX who has the addresses listed on my report, I did that and XXXX agreeed that the info was wrong and deleted it right away. I sent them info of the deletion and was told that it was n't enough. I also sent a copy of a police report about the incident, that was still not sufficient. When I asked to speak to a supervisor twice I was denied and told they may only email supervisors and I would have to call back the next day for a response, The hold time is excessive. I have been on hold for at least XXXX minutes and even XXXX hour in some cases. I need to have these evictions records removed asap as I have to be able to secure an apartment within days. Please help! Thanks
On XX/XX/2018, I tried obtain a free annual credit report from TransUnion using the website XXXX XXXX XXXX XXXX. My attempts were blocked without explaination. 
I immediately filed an complaint with CFPB against TransUnion for not allowing the consumer to obtain theri reports online. To date CFPB and TransUnion has refused to address or acknowledge this complaint.

I had to submit an written request to TransUnion to get a hold of my credit report. Once I received the report I immediately disputed several inaccuracies. TransUnion reffused to correct or acknowledge all of the disputed information and then refused to sent an updated copy of the consumer credit report showing correction. 

I received TranUnion report # XXXX dated XX/XX/18. TransUnion has refused to investigate and fix the following complaints : Although XXXX is reporting my credit limit to TransUnion. TransUnion has removed the credit limit on my XXXX account with full knowledge without showing this information it affect my debt to credit ratio and intentionally lowers the consumer credit score. 

I again reached out to XXXX and verfied reporting of my credit limit. In addition all other reporting agencies are showing the XXXX credit limit. Therefore, I would like to file a formal complaint against both XXXX and TransUnion for targeting minorites and intentionally lowering their credit scores by refusing to show the availble credit limits intentionally lowering the consmer credit scores.
I was pressured by a third party to get this loan with guaranteed job placement once graduated. I am thousands of dollars in debt. Navient has a class action law suit. The penalties are through the roof. I believe that this was fraudulent activity
I have been a Bank of America depository account holder for over 5 years and have deposited checks before with no issues. On XX/XX/2018 I deposited a cashier 's check in the amount of {$4000.00} at the BOA ATM on XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Florida. The ATM did not automatically recognize the check, so I understood when I got a receipt with a deposit hold. However the hold placed was until XX/XX/2018. The following day I called customer service to let them know it was an official check and to remove the hold and they refused. No matter how much I explained it was a cashier 's check and all they had to so was look at an image of the check they refused and kept insisting their " policy '' was not to remove holds on checks. I called for 3 days in a row, spoke to service reps, supervisors and a branch manager and like robots they all repeated the exact same words : Bank of America policy does not allow them to remove check holds. I went online and pulled up their written hold policy, that stated cashier 's checks when deposited with tellers are available the next business, and other deposit avenues is the 2nd business day. I read that back to them, and they still refused to adhere to their written ( a contract I may add ) deposit policy. Bank of America is a bank strictly about policy and not people. After speaking to about 5 different people, I realized I was speaking to only programmed robots!
I contacted City Worth Mortgage Company for pre- Approval for an F.H.A. Loan. On XXXX XXXX,2017, after consulting and applying with XXXX XXXX, I received my pre approval letter. I then proceeded to make an offer on a house that was accepted. I made a formal mortgage application and the appraisal was ordered. I was in constant contact with XXXX XXXX, and provided him in a timely manner all of the documentation that he requested. This included 4 current pay stubs, transaction records from the bank, showing the current balance and activity. I also provided 3 current bills that were paid within 12 months. He was provided with information on my current employer and information about my employment for the last few years. The appraisal was completed, the work that needed to be done to satisfy the requirements was done and the appraiser returned and signed off that everything was complete. My loan application was in underwriting and I complied with all that was requested from me. We proceeded toward closing and my buyers CD was sent out on Tuesday XX/XX/XXXX. It was signed by me and returned for an XX/XX/XXXX closing date. I was told that my loan paperwork was stuck in processing, and then later was denied my loan on Monday XX/XX/XXXX because they said they were unable to verify income, even though I had provided income statements during the entire process. My realtor and I were made to believe that the closing was still on schedule and everything that was requested was fulfilled. We did not receive any notifications that there was any issues with my job or income until the denial. As of Wednesday XXXX XXXX 2017,  my realtor has made many attempts to contact this company but there has been no response to resolve this issue.
I have tried unsuccessfully several times to get my mortgage loan company to remove the monthly insurance premium ( MIP ). My FHA loan was initiated before 2013 and been in effect over 5 years. I have a loan balance that is less than 78 % of the original and only appraisal value. 

The company, Mr Cooper ( nationstar ) has an incorrect appraisal value in their file and refuses to accept the only appraisal ever done. 

I want the MIP billing to stop and a refund made for the months where the MIP should have stopped. 
Original home appraisal = {$150000.00} current balance = {$110000.00} loan to appraisal = 77 %
A XXXX XXXX account is being reported on my credit file on both XXXX  and XXXX  reports and XXXX  has properly corrected the apparent mismatch with their verification process. I have tried many times to correct the mismatch names or anything that XXXX is using to validate my information as reported by Pinnacle.

I've disputed it with XXXX, XXXX and Pinnacle, yet this account continues to be reported without any proof. I have proved by a sworn affidavit, still not refuted, that the XXXX account is not my account, I've never lived at the billing address, and I have never opened a XXXX account with that account number. XXXX has investigated this properly and removed said item from my report. 

The last dispute filed on XX/XX/2018, and results arrived at on XX/XX/2018 by XXXX stating that the account was validated, yet I was not provided anything showing how or any supporting documents after submitting a sworn affidavit. 

Again, Pinnacle, reporting a XXXX XXXX account is the only account on my report preventing me from acquiring a mortgage to buy a house at reasonable rates.
I was sued by Autovest LLC on an alleged loan. 
Autovest is a debt collector. They knew that the debt was beyond the statue of limitations. 
This company has had me in court for over 2 years and has tried to garnish my wages over a time barred debt.
PSLF RUNAROUND. I QUALIFY AND NOW BEING TOLD AFTER TRANSFERRING THE LOAN SOME TIME AGO BASED UPON XXXX   RECOMMENDATION THAT MY ACCOUNT DIES NOT QUALIFY. DECEITFUL CONVOLUTRD PRACTICES. DEALING WITH THIS SINCE XX/XX/17. PAYED ON THE LOANS FOR NEARLY 20 YEARS AND NOT ONE DIME IF PRINCIPLE HAS BEEN PAID DOWN. A DISGRACE.
Child is XXXX XXXX XXXX my child support payments have never went delinquent in fact it is paid current up to date the payments that are being made right now is interest only not late fees and is invalid reporting to credit bureaus I have called and written letters for over 4 yrs to get this account removed off my credit ; because payments have always been current and onetime also because there were no services or contracted services nor product to have this account appaering on my credit report. Was made aware that new child support law from XX/XX/2017 enforces bureaus to remove child support from being reported to credit bureaus. Also the Federal Tax Lien is not my debt its reporting on wrong credit file, showing paid so why would it be reported so all information is invalid the account, account type, date, amount and mismatch personal information for this is not my account. As far as collection account I have not received medical treatment from company that has recently posted on my credit report : XXXX XXXX spoke with company trying to see how they got my information the information in their system does not match me.
XXXX/XXXX/15 - TD Bank assessed a {$35.00} OD Paid fee due to PENDING debits reducing my balance to less than what was available for items posting. TD 's response " While you are not charged an overdraft fee for a pending authorization, even if it brings your balance negative, the authorized funds are deducted from your available funds. '' It seems that the consumer IS being charged for pending transactions. Technically those funds should still be available for use for other transactions since the merchant has not sent it through for payment and IF when those pending items come to post in the future they THEN should be assessed fees should funds be unavailable.I was told it was assessed to a {$10.00} transfer to my other TD Bank account I share with my son. 

XX/XX/XXXX Same scenario. A {$5.00} pending transaction and a recurring XXXX transaction that brought the account over by XXXX CENTS ( additional debit card transactions totaling {$10.00} over drafted the account further, even though the XXXX online statement shows my ending balance being - {$5.00} ). 

XX/XX/XXXX - When I noticed my account was over drafted in the amount of $ XXXX - which included the ending balance of - {$5.00} from XX/XX/XXXX ( inconsistent from the attached letter from the bank ), along with the following pending items : recurring Debit of {$10.00} from XXXX and that SAME {$5.00} XXXX that was pending on XX/XX/XXXX, and XXXX - {$1.00} gas authorizations - I immediately deposited {$20.00} at the branch and transferred {$14.00} from my other accounts to cover these items before they posted and over-drafted. I contacted the bank and told that II was charged an OD Paid fee for the XXXX transaction according to TD banks representative which brought my negative balance to {$45.00} approximately. 

XX/XX/XXXX - In reviewing my account this morning, I see that due to TD bank assessing the OD Paid fee, my deposits were wiped out and I have been assessed yet ANOTHER OD Paid fee for the {$10.00} XXXX charge - even though I took measures to ensure it was covered. 

I have requested from the bank the {$100.00} in fees be refunded as the information that I see online is inconsistent with the information they communicate AFTER they 're assessed the fee. They have refused. Also, they are charging fees based on the deduction of PENDING charges - money that has NOT been paid out to the merchant. 
I did not want to take these drastic measures for fear of them closing my account, but I feel I have no choice as the customer service representatives obviously simply do not care.
XXXX Bank pursued me for a {$140.00} charge that I supposedly had not paid. But I h ad. They recently admitted in writing to me that they had received the payment and had failed to cash it! They had already made a report to the crediting agencies, which resulted in harm by 1 ) reducing my credit limit on other card and more significantly 2 ) interfering with my ability to attain a reasonable rate on a mortgage loan application. 
My last communication with XXXX ( sent via certified mail ) remains unacknowledged and unaddressed. My credit score remains damaged.
Selene Finance and XXXX XXXX XXXX conducted an illegal non judicial foreclosure violating my bankruptcy stay. The have ignored correspondence and have no standing on alleged Deed of Trust they have based their predatory practices. ( Exhibit 1 ) Timeline : Foreclosure Sale date scheduled XX/XX/XXXX. Filed by new trustee without notice and based on invalid Notice of Default dated XX/XX/XXXX identified with different TS # XXXX. And illegally filed as California Declaration of Compliance was dated XX/XX/XXXX ( Attached ) which was during an active Bankruptcy. ( Exhibit 2 ). They filed for foreclosure sale again on XX/XX/XXXX, XX/XX/XXXX and illegally foreclosed on XX/XX/XXXX. Alleged loan shows current as of XXXX. ( Attached ) Attached : 1. Fraudulent Substitution of Trustee which was recorded by Beneficiary that was assigned after the Substitution of Trustee who assigned it. 

2. Debt Validation by former alleged Trustee stating over {$640000.00} dated XX/XX/XXXX conflicting with attorney for former alleged servicer XXXX dated XX/XX/XXXX as default being {$340000.00}. This was under oath in Bankruptcy Court which was discharged XX/XX/XXXX. 

XXXX. Notice to Quit posted to my door by XXXX XXXX XXXX XXXX on XX/XX/XXXX. Continued violating Bankruptcy Stay and constant visits by Realtor hired by Selene Finance.
I have been trying to save my home for years. It is up for foreclosure and I have not received a notification. I found out from a text from a foreclosure agency.
A few months ago my parents received phone calls on their personal cell homes and home landline from Wells Fargo Dealer Services. Voicemails were left at the time asking them to be called back. My dad returned the call think it was regarding a student loan he had cosigned on with me through Wells Fargo and when he found out it was about a car loan he told them they should contact me and not him as he did n't have anything to do with this and was n't authorized to talk about that account. They then placed calls to my mom 's cell and left a message and my parents landline. I called them back and asked why they were calling those phone numbers when I had never given them those phone numbers, nor authorized them to call those numbers and leave voicemails. They said they had no idea how those calls went out because they did n't have the numbers anywhere on file and should n't be calling those numbers. I told them I was extremely frusterated by this because it caused my parents unnecessary stress and concern. I asked where they acquired the numbers since they did n't have them on file and the associate kept saying he did n't know and they were n't listed anywhere on my file. He said he would make a note that they did n't call those numbers again. I asked that if they wanted to talk about money I owe they call me only and/or mail me something telling me to contact them. Today ( X/X/17 ) my dad recieved a call from XXXX ( XXXX ) XXXX and when he answered they asked for me and he said they had the wrong number and he hung up. They called him at XXXX. A few seconds later the number called my cell. I was n't able to answer as I am at the hospital. <P/>I am upset that Wells Fargo continues to harass my parents in an attempt to reach me when I have asked them not to. Also, that they continue to call phone numbers that they claim to have no knowledge of having or using.
I have notice per credit report that Enhanced Recovery reports that I owe XXXX for cellular services. I have never had an account with XXXX. They have not sent me any documents nor was I provided a contract with my signature or acknowledgement of this.
I have had TD Bank for a few years now. In   XX/XX/XXXX  the United States  XX/XX/XXXX  me overseas where I was stationed from early  XX/XX/XXXX  until the middle of  XX/XX/XXXX . While Overseas I did not have access to my checking account or online access to notify of any unusual transactions. Upon returning back to America on  XX/XX/XXXX  I called into my bank only to be notified that my account had been closed due to overdraft.