WillisBack/dataset-financial-user-claim huggingface dataset:
1. My FCRA rights being violated by TransUnion.
2. Part One- TransUnion removed my inaccurate hard inquiry 's ( good ) Part Two- Transunion added the inquiry 's back onto my credit report without the 5-Day notification required by FCRA.
3. Contacted TransUnion three times my mail, twice by phone and they refused to assist me.
4. TransUnion is the company my complaint is about.
5. I am involved, three different investigations and twice a woman supervisor named  XXXX .
I asked for a complete breakdown of the corporate advance fees charged to this loan. Nationstar responded with the attached breakdown, which does not define what the fees are ; i.e., what comprises foreclosure fees? Is foreclosure fees one fee and a combination of several fees? What is a land periodic and land initial fee? What is a title examination? etc. Also I asked for dates, times, and the name contractor who performed any property inspections. This is not " proprietary information '', as claimed by Nationstar. Therefore this is a request for verification and a compete explanation of the fees charged to this account.
I submitted a complaint to CFPB about Bank of America and the response I got from them had nothing to do with what my complaint was about. So I am submitting a new complaint in the hopes that this time B of A will address my complaint. On XXXX XXXX I deposited a cashiers check for {$7500.00} in my checking account. When I asked the teller when the check would clear she said it would CLEAR the next day. I went back the next day and took {$4500.00} out of the account on the information that the teller had given me that the check would have CLEARED by then. On XXXX XXXX the bank informed me that the cashiers check was fake and that they are holding me responsible for the money spent. It was never explained to me that even though I was told that the check had cleared that there could still be a problem with the check. That it could take days for it to actually clear. I should not be held responsible for the money that was lost on the fake check. This is the bank teller 's fault for not explaining the process to me and for telling me that the check had cleared and allowing me to withdraw money on it.
US Bank took my payment off {$5000.00} and did not apply my additional principle amount ( {$3100.00} ) to the principle, instead they applied part of it as a ( second ) future payment, then took the remaining balance and applied it to principle. I talked to a few people there and was finally told the computer does that automatically. I know this is not true as I have paid way more than that on another monthly payment and the remainder ALL went to principle. I clearly had the amount in the box marked additional principle. This should be against the law, if it is not. I wonder how many other people they are applying the money meant for additional principle payoff to future monthly payments. This method allows them to collect more in interest, which exactly what I was trying to reduce and then they can sit on my money while it makes them interest as it sits in their bank until it is due as a future payment. Essentially they were stealing from me. Below is pasted from the statement " XX/XX/2018 XX/XX/2018 Principal Payment {$1300.00} {$0.00} {$0.00} {$1300.00} {$3200.00} {$210000.00} XX/XX/2018 XX/XX/2018 Payment {$650.00} {$710.00} interest - basically they tried to steal this from me! 
{$460.00} {$0.00} {$3200.00} {$210000.00} XX/XX/2018 XX/XX/2018 Payment {$650.00} {$720.00} interest {$460.00} {$3600.00} {$2700.00} {$210000.00}
XXXX   XXXX   Inquiry   XXXX / XXXX /  XXXX  .  XXXX  is in violation of the FCRA for failure to provide required notice to consumers with the allotted timeframe. I went to    XXXX    on the evening of  XXXX / XXXX /  XXXX   to inquire about switching my cellular service - many advertisements were run regarding their " specials ''. The  XXXX  sales person asked for my personal information to see what deals I may qualify for and the applicable terms. He tried 3 times to  CONNECT  with  XXXX  via the stores ' computer. A  XXXX  representative NEVER joined the CHAT SESSION. This process went on for about an hour of just trying to get  XXXX  on the line. Needless to say, I left the store, never knowing from  XXXX  what the status was because no  one  from their end ever called or chatted with  XXXX  or myself. To date,  XXXX / XXXX /  XXXX  , I have NEVER received any type of required written notice or verbal communication from  XXXX  explaining if I was approved or denied, from which credit reporting agency they received my credit information or the  credit score th at was used to base their whatever decision was or was not mate. HOWEVER, an inquiry is on my credit report from their company for  XXXX / XXXX /  XXXX  . I expect for the inquiry to be deleted IMMEDIATELY.
XXXX XXXX XXXX, XXXX was trying to foreclose on my property with a sale date of XXXX/XXXX/2017. On the day the sale was supposed to happen I went to the XXXX County CA courthouse and filed an emergency bankruptcy to get a stay on the sale. Shortly after that I called the trustee, XXXX XXXX XXXX, XXXX in XXXX XXXX, CA and asked how much I had to pay to reinstate my mortgage. They told me it was XXXX and that this was good through XX/XX/XXXX. However they never followed up with an itemized statement of what made up that amount. It was over what I calculated by at least {$2000.00}. Since I wanted to get my account current I went ahead and paid the {$12000.00} on XX/XX/XXXX. At this point I thought all was well. Then in XX/XX/XXXX Ditech sent me a statement showing I owed {$14000.00}. A few days after that I received another notice that my house was going to be sold at auction on XX/XX/XXXX. So I once again called XXXX XXXX XXXX and asked for a quote for reinstatement. After about 2 weeks of waiting and not receiving the quote I called XXXX and asked why they had not given me the quote. They said it was up to the lender. Well after about 30 minutes they e-mailed me the quote and it said {$4100.00}. This was for XX/XX/XXXX and XX/XX/XXXX payments ( 2 x XXXX ) plus what I believe were outrageous other charges. To avoid the foreclosure I paid the amount to XXXX Services on XX/XX/XXXX. XXXX Confirmed receipt of the payment and were forwarding it to Ditech. I have been calling Ditech every few days because they confirm receiving the payment but for over two weeks now they say they are processing it. To this day, XX/XX/XXXX, they still have not applied my payment but assured me my mortgage was reinstated. I think they are holding the payment long enough to become deliquent so they can start another foreclosure sale and make me pay more late charges and fees.
During my time as an employee for XXXX, I was encouraged to open a Dealer or Concession line as my business contact number. I successfully opened an account and paid monthly according to my contract. Unfortunately that phone was stolen/lost by a fellow employee and I had documentation from XXXX to verify, it was ultimately reported as lost to the company and my superiors in a timely manner. I was told by my manager to open another line, as I would n't be eligible for employee discounts if I fully cancelled my original account for 3 to 6 months. I was instructed to use my social security number to open another type of employee discount account and did so without issue. I used this new account until I parted ways with the company. I was informed that all employee accounts would be terminated upon my leaving and that all devices had to be returned. I left my phone at my store location with my manager and called into employee care to verify the information he had given me, which they did. 

Nearly a year later I requested a credit check and saw that I had been sent to collections over a debt with XXXX. When I called in to see where the debt had originated I was bounced back and forth between XXXX and XXXX as neither said they could help me ; XXXX XXXX because I was a consumer, and XXXX because I had been an employee for the duration of my account. 

My current position allowed me to open an employee line with XXXX although they are NOT my employer, and I used this opportunity to begin a dialogue with someone who could possibly work on clearing up this debt from within the company. After weeks of telephone and email correspondence with the gentleman, I was offered the ability to pay off the debt and then be immediately reimbursed the money if I opened another account with XXXX. I felt immensely pressured to take the offer to save my credit but ultimately decided to pass, as I was n't comfortable being forced into signing another binding contract with the company to erase a debt that should never have occurred. 

Throughout the duration of this, going on two years, I have been called repeatedly by multiple Debt Collection Agencies each time the " debt '' is sold off to a new company. I 've been called at work, late in the evening, inappropriately early in the mornings, and now XXXX prompting me to submit a complaint XXXX a NEW company has begun calling my family members in other states.
Cooling and Winter LLC Sent me a letter that belonged to someone else. They put this persons first and last name, their amount owed, and to whom they owe it. I can only assume that this person received my paperwork. This is very upsettting because they are leaking PERSONAL, PRIVATE information. I have been nothing but cooperative with them but feel they are sompletely incapable of handling this paperwork. This is very personal information that they are sending out and now someone has information about my personal finances.
XXXX XXXX and XXXX is claiming ownership of a student loan debt that they are reluctant to prove that they own the debt and that I owe the debt. 

I have requested from XXXX XXXX " current owner '' stated on monthly statements original documents from the original creditor that were executed and authorized by me. XXXX " the servicer '' has failed to furnish me the original documents that they are required to have on file under the FCRA and FDCPA. In addition, I requested a copy of the contract agreement that gave authorization for XXXX XXXX to be the current owner without proof. 

I demand to know who legally owns this debt.
XXXX has been non-compliant with removing the unverified account XXXX  which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX  was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Please consider this complaint a notice of error regarding loss mitigation options. Borrower sought loss mitigation options on an FHA loan and was offered an FHA Formal Forbearance for six payments of {$2100.00} for a total of {$12000.00} in payments in order to cure her arrearage on the account. This type of offer is only supposed to be made according to mortgagee letter XXXX if XXXX % of a borrower 's *surplus* income can cure the arrearage within 6 months time. Borrower 's *gross* income was calculated and presented to US Bank as {$2100.00} on her financial worksheet. Essentially, the repayment plan ( forbearance ) that has been offered represents nearly XXXX % of her gross income, which does not comply with FHA guidelines for such plans.
My Experian credit report STILL shows I have lived in Oklahoma. I HAVE NEVER IN MY LIFE LIVED IN OKLAHOMA!! The closest I have ever lived in Oklahoma is XXXX XXXX which is exactly 354.1 miles from there. I have not nor will ever live Oklahoma.
I paid  XXXX   XXXX   XXXX  directly so diversified collections needs to delete their reporting from the credit bureaus . Diversified said they submitted documents for the CB 's to delete but  XXXX  and  XXXX  are still reporting the collection.
On XX/XX/2018 I sent via certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX ) a  correspondence to RISE  ( www.risecredit.com ) in regards to a falsely reported item/account being reported to the credit bureau ( s ). This correspondence was received on XX/XX/2018 per the above referenced tracking number and signed for by XXXX XXXX. As of XX/XX/2018 I have not received any response from RISE, which is a grave dishonor on their part. This corporation is in violation of 15 U.S. Code 1692g, by falsely reporting items/accounts to the credit bureaus without first lawfully verifying, validating and confirming that what they're reporting is in fact correct and not false. The credit bureau ( s ) have also falsely continued report the false item/account on my credit report. I am also filing a police report as one the final steps before pursuing litigation and suing all of the pertinent parties involved i.e RISE and credit bureau ( s ).
XXXX XXXX XXXX has reported delays in the XXXX credit agency since XXXX and is incorrect and accepted the error and does not correct it. My score has been damaged and I had a medical emergency and I was denied loan because of that error in my record.
I have never been late on either of my other XXXX credit cards. In XX/XX/XXXX I had made a purchase using instant approval at Macy 's in order to benefit from the advertised extra savings. I never received a credit card or a statement from them until today, XXXX XXXX. In XXXX, I spoke with someone who said she would be re-sending both the statement and card to me. On XXXX XXXX and XXXX XXXX, I received eight phone calls ; thinking the calls were telemarketers, I did n't answer at first. When I did answer, I was rudely threatened that I had to give the routing number to my checking account in order to stop being harassed. Still suspecting fraud, I told the man that I felt uncomfortable with the arrangement, but that I would go into the store to pay the balance in full, which he said he would put in his notes. I asked the man to add the comment that I am happy to pay what I owe as long as I know what the balance is. Two hours later at the store 's customer service, I did pay the balance verbally told me although I still had never received a statement. Today in the mail, I received the statement. To my horror, it showed a late fee. One, I would like to be reimbursed the late fee. XXXX, I would like a letter sent to the credit bureau explaining that the error falls on Macy 's for not promptly sending its statements to its customers. An impersonal organization is wrong to blame and penalize an overly conscientious individual for its poor bookkeeping.
I review my credit report and look was account, i call the aprtament buildibng they claim was under another person not my, and they cant reach the manager who handle that issues.I mailed 2 letter to the collections agency never answer or mail any proof of the contract.
My utility, XXXX XXXX was ongoing from XX/XX/XXXX in XXXX, XXXX I paid all my bills on time every month before moving to XXXX ( XX/XX/XXXX to XX/XX/XXXX ). 
I never had a {$36.00} XXXX XXXX bill balance from XX/XX/XXXX nor XX/XX/XXXX, but this collection appeared on my account in error because XXXX XXXX @ ( XXXX ) XXXX told me they never had any record of this {$36.00} owing from eight to nine years ago? So I paid it anyway but it has not been removed from XXXX credit reporting. Not only is this debt erroneous but its nine ( 9 ) years old! NOT the seven ( 7 ) years that Diversified Adjustments Collections @ XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX phone : ( XXXX ) XXXX. They are maliciously reporting this after nearly nine ( 9 ) years and have refused to stop doing so after I telephone and spoke to them XX/XX/XXXX. I DEMAND this erroneous collection to be removed from my credit report. I have been an XXXX XXXX customer since XX/XX/XXXX in XXXX, XXXX nearly 25 years and I have never missed a payment. I will mail supporting documents.
Changed terms in XXXX membership rewards shortly after opening of credit card and paying {$75.00} annual fee.
Filed a dispute with collection bureau. Collection account was deleted. A week later Common Wealth added the collection back to my credit report without any contact with me stating why.
Ic system inc is trying to collect on a debt that originally defaulted over 9 years ago. It 's now on my credit report and their attempts to collect are beyond az statute of limitations.
For years I have had credit cards with Bank of America. When I hit financial issues in 2010, they closed my accounts and began a pay out plan for me at $ XXXX/mo. and $ XXXX/mo. on each card. What I have noticed is that each month they are also charging me an " interest fee on purchases ''. Is this a normal fee? It seems it should have been included in the payment and NOT a separate fee being charged each month. 
Please advise me as to whether this is an acceptable practice. They have already dinged my credit by closing my accounts. They came up with the payment plan so I could get rid of the account balances, which takes forever even when the card is closed! Now I notice the fee when I went in to double check my balances and got curious to check to see if anything is listed on my monthly statements. I would never have discovered this fee otherwise. 
Thank you.
I CAN NOT get into my Equifax account in order to UN freeze it for 24 hours. I am trying to purchase an automobile as I was just in a bad accident and my car was totaled. I have tried numerous times an many different phone numbers to get this done. Given them the same information repeatedly that was okay in XX/XX/2018. The dealer will hold the car until tomorrow morning - XX/XX/2018. Other similar cars are {$4000.00} MORE. 
I need this problem fixed NOW!!!!!
Chase card services, like most financial providers, urges consumers to enroll for online statements, as it reduces costs. I enrolled to receive statements and information online, but unfortunately they do not tell you that late statements ( meaning you did not pay within the grace period ) are not sent when you elect the online/email option. For background, you should know that I had never had even a single delinquency in my XXXX year credit history until now. Today, I have a XXXX day late because Chase could not be bothered to send me a late notice via email nor call me as a courtesy prior to being XXXX days late. I immediately paid the balance when contacted at XXXX days late. Believe it or not, a single late in XXXX years has affected my credit score and resulted in a higher rate for a mortgage I am in the process of obtaining. Had I known that I would only receive a courtesy late notice if I had kept my mail-only election, I would not have chosen the online option. I 've contacted Chase, but they have indicated that they will not remove the single delinquency and improve their online notification process. In the meantime, my mortgage will be at a higher rate. THIS IS VERY POOR CUSTOMER SERVICE. They need to improve their process.
I have been trying to get a loan modification since XX/XX/2012, up until yesterday my case was closed for a fourth time even after the representative told me i had handed in all my information requested in a timely fashion. 
I 'm tired upset and aggravated at this whole process that i believe US bank is playing with my time. I 've complied to all of their request, their not even denying me based on income but keep saying i have n't sent in the information when i did and have proof that i emailed it to them and they even responded with emails saying they received my paperwork, i do n't know what to do next so I 'm making this complaint to you then my next step will be the media outlets of XXXX. Thank you in advance for looking into this
I have repeatedly called XXXX XXXX of XXXX XXXX, XXXX alerting them that I do not even live in the area, I have since moved to Hawaii. There are no locations here in the state of Hawaii. I even on a visit to Maryland during XXXX XXXX XXXX Holidays i visited the XXXX XXXX, XXXX XXXX and spoke to a representative and asked for my account to be closed. Keep in mind I have fulfilled the minimum contract by this time and was on a month to month. They continued to take money from my bank account/Debit Card on file until the card expired and they could not debit it for the amount of monthly membership. I received a cal from a club manager and I alerted her of the fact that my account is supposed to be closed. The company can not offer me a facility in Hawaii so I do not want to continue membership. They continued to strong arm me and harass me for monthly payment. They placed my account in collections with First Credit Services located at XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX and have a collections account for a total of XXXX. Now it is XXXX XXXX that continues to call my phone in the early morning hours. 
I would like this removed from all reporting agencies, XXXX, XXXX and XXXX.
This is a continuation of our former complaint XXXX about PHH Mortgage Co. 
What they said they would do in their letter received on XX/XX/XXXX, is unacceptable. They refused to take out the {$400.00} they were supposed to take out on XX/XX/XXXX and each month thereafter. They told us to set up our own schedule with our bank. 
This was NOT what they said they would do via a phone call with XXXX at phone number XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX our time. For that phone call, he had been on hold two different times at about XXXX minutes each time. 
XXXX and XXXX resolved our complaint which we had registered the evening before with the Consumer Financial Protection Bureau. The final result was acceptable to both parties - PHH was to take out a {$400.00} mortgage payment on XX/XX/XXXX to be applied to the XX/XX/XXXX payment and take out another payment on XX/XX/XXXX, our regularly scheduled time. They would apply the {$400.00} as though it had been paid on XX/XX/XXXX, with no added fees or interest. and all would be as it should have been had they taken out the XX/XX/XXXX payment on time. PHH should just do what it says it will do when we talk to them. They seem to say one thing and then send a letter with the opposite information. 
I had talked to someone on XX/XX/XXXX about this very issue and they had promised they would take out the {$400.00} payment on XX/XX/XXXX, just like XXXX had always done. Then instead of using our {$1000.00} extra payment for interest via a check - they said we'd paid ahead for our monthly payments, thereby accruing more interest for themselves. 
In their letter of XX/XX/XXXX, they gave us a name of someone to whom we could complain ; XXXX XXXX, XXXX XXXX XXXX. Her voice mail says she'll respond in 2 - 3 days. XXXX XXXX - their manager could also be reached at XXXX XXXX XXXX, ext XXXX. That number doesn't work. XXXX who made the original agreement has not returned our phone call made on XX/XX/XXXX when we discovered that only one {$400.00} mortgage payment had been taken from our bank account. XXXX then did manage to reach XXXX in the ombudsperson 's office and she said she'd work with XXXX and XXXX to resolve it. She said she won't guarantee that they can go back and change the principal payment we made in XXXX. We would have just paid the mortgage ourselves but we believed them and didn't want to have two additional payments taken out! Please just do as XXXX promised.