WillisBack/dataset-financial-user-claim huggingface dataset:
CFPB  Complaint Equifax  process of investigation and results.  <P/> This is a follow-up complaint but not a duplicate complaint to CFPB  XXXX  submitted  X/XX/16 .   XXXX   XXXX   had updated account   XXXX   XXXX   XXXX   XXXX   as paid with the CRAs and I disputed through the CRAs. I also sent a direct dispute to   XXXX   XXXX   requesting date paid  ( see attached letter ).   XXXX  deleted this account and Equifax sent a credit file dated  XX/XX/XXXX  that showed   XXXX   XXXX   still reporting paid ( see attached Equifax  credit file  dated  XX/XX/XXXX  ) As a result on  XX/XX/XXXX  I filed a complaint against Equifax.   The following is Equifax response to that CFPB Complaint  XXXX  Please be advised   XXXX   XXXX   XXXX   Account number  XXXX  has been verified by creditor as reported with your Name, Social Security number. Date of birth and address. Please contact   XXXX   XXXX   XXXX   directly at  (   XXXX   )   XXXX  regarding additional concerns or questions.  <P/> I have tried contacting   XXXX   XXXX   XXXX   several times and they just keep responding with unsigned letters that Equifax won t accept. Letters from creditors have to be signed with a contact name, date and on bank letterhead, this is according to Equifax representatives.  <P/> I filed a CFPB complaint against   XXXX   XXXX   XXXX   and ask about account number  XXXX . My complaint was forwarding to the  OCC, who p rovided the following response to my question ;   XXXX   XXXX   reported that account number beginning in  XXXX  and ending in  XXXX  is not a   XXXX   XXXX   XXXX   account number . (  See OCC letter dated  XX/XX/XXXX   )  The  OCC  signs there letters with  Customer Assistance Group I n ot sure at this point if those letters have any authority over Equifax or if it would change the outcome of Equifax  investigation that r esulted in a verification that   XXXX   XXXX   is reporting under account number #  XXXX .  ( Ple ase see attached Equifax  Credit File da ted  XX/XX/XXXX  ) On  XX/XX/XXXX  at  XXXX  Mountain Time, a dispute was filed with Equifax, representative was  XXXX , the dispute request, delete the   XXXX   XXXX   XXXX   remarks Account Transferred or Sold ; I requested that Equifax send   XXXX   XXXX   there letter of response to my direct dispute over updating the account to paid and ask them to sign there letters, so Equifax can update the account correctly as sold and transferred to   XXXX   XXXX   XXXX  .  <P/> I have attached the following documentation : Equifax  Credit File   XX/XX/XXXX , Letter of direct dispute, dated  XX/XX/XXXX  sent to   XXXX   XXXX   over account being reported paid,   XXXX   XXXX   response to direct dispute, dated  XX/XX/XXXX  Copy of certified mail direct dispute sent to   XXXX   XXXX  , Copy of certified mail sent letters and proof of direct dispute to Equifax, Copy of letter from  OCC da ted  XX/XX/XXXX , Copy of CFPB complaint  XXXX , Copy of this CFPB complaint
Chase Bank Owes me {$290.00} for services not rendered from a vendor after promptly closing my account early  XXXX  with out notice. I recently received notice as of today via email that an account reversal of {$130.00} took place when I no longer have this account by the bank 's request and the bank wants to charge me back funds when in fact I have not had returns. I also had to spend extra money due to the shut down o n the road, a nd Chase Bank refuses to compensate me for the huge disruption with out even having a debit card to use while traveling.   Now the bank want to charge me for a claim that was not valid. I received a letter with no description. I do not want Chase Bank to email me, or to contact me at all other than mailing me of what is due to me which is {$290.00}. My account have been closed since  XXXX  upon the banks request. I find this unlawful.
On XX/XX/XXXX, I opened an account with XXXX XXXX which is part of Popular Bank, member FDIC. Between early XX/XX/XXXX and mid XX/XX/XXXX, I kept adding funds from other bank accounts. As of today, the account contains close to {$500000.00}. On XX/XX/XXXX, I went online and tried to withdraw {$2000.00} from the account. The system gave me an error message, asking me to call the bank 's customer service. I called customer service and was told that the account was blocked pending " original funds verification ''. Popular Bank never told me that they had blocked my account and that they needed additional information from me. According to the phone representative, they just wait until customers try to withdraw funds before they tell their customers that there's an issue. 
I was asked to email a statement from the bank which originally funded the account at XXXX XXXX to Popular 's fraud department. I did this yesterday afternoon ( XX/XX/XXXX ). This afternoon ( XX/XX/XXXX ) I tried again, unsuccessfully, to withdraw {$2000.00} from the account. I called customer service again and was told that the account is still blocked. The service representative couldn't give me a status update. When I asked to speak with a supervisor I was told that that supervisors are not available and that " someone '' will call me back in 1-2 business days.
I bought a rug in XXXX on XXXX XXXX, 2016 using my Wells Fargo Visa card. Before buying, I confirmed with the vendor ( XXXX XXXX XXXX XXXX ) that they had a return policy in place for shipments to the US and they agreed. When the carpet was delivered in XX/XX/XXXX, I found there was a disconnect between the size I had been talking to them about and what was delivered. After phone and email exchanges, we came to a mutual decision that I would return the rug to a designated location in XXXX, CA. This I did, via XXXX ( and out of my own pocket ), requiring a delivery signature and insuring the rug during transit. The vendor indicated that once I had returned the rug, I should merely dispute the charge and they would reverse it. I have documentation for all email exchanges ( including descriptions of the return process and address, XXXX confirmations of delivery and signature copies verifying the rug was properly returned ). The vendor ( XXXX ) refused to reverse the charges despite the evidence that the rug was returned to them ( which, given the evidence, makes them thieves guilty of theft by taking ). Wells Fargo let me know that they had contacted the vendor about my contesting the charges and that the issue was going to arbitration (???!!! ). I had given WF ALL of my evidence and they had no questions, making the verbal statements that it was " just procedure ''. The only other communication I eventually got from WF was a statement saying that XXXX had denied WF 's arbitration and WF subsequently re-charged my account for {$4000.00} ( on XXXX/XXXX/2016 ). I went ballistic and demanded reasoning but got XXXX from WF. After several calls, I managed to get them to reluctantly provide an " escalation path '' -- which fundamentally did nothing more than go back to their arbitration function and confirm what I already knew. Wells then just threw up their hands and said " that 's our procedure and we do not do anything else. '' HOW IS IT POSSIBLE FOR ME TO BE DENIED DUE PROCESS AND STOLEN FROM SIMPLY BECAUSE I WIELD A CERTAIN BANK 'S CREDIT CARD? AND, GIVEN MY EVIDENCE, HOW DID ANY SANE ARBITRATOR COME UP WITH A DECISION WHICH SEES ME BILLED FOR SOMETHING WHICH HAS BEEN RETURNED ( AS CORROBORATED BY A REPUTABLE THIRD PARTY )????? This is beyond anything I have ever experienced. And when I tried to pursue this with XXXX, I was stonewalled by a customer service organization which offered NO other paths to appeal. ( They even originally just sent me back to Wells Fargo -- which would be funny, except it 's not. ) In short, XXXX large banks and a vendor have managed to at least attempt the same kind of blatant thievery which sent outlaws to the gallows in the old West -- XXXX XXXX would be pround of them. The FTC/CFPB have GOT to set this right -- and why do I have to go through all these shenanigans for something which is so patently a case of a vendor gone larcenous ( and XXXX large banks being accomplices in the dirty deed )???
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2014, XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
On XX/XX/ 2018 a 10 ton 100 foot tall oak tree crushed my living room. 
In the state of Virginia, that means that the lender CitiMortgage holds funds and releases them as progress is made no the insurance claim. 

As of XX/XX/2018, the living room has been reconstructed, painted, etc. 

The CitiMortgage system for managing inspections to get money released is broken. It has been 6 weeks since I started my request for final inspection and release of remaining funds. CitiMortgage would cancel inspections with no contact or notice. When the inspection was done, it was agreed that 100 % of structural work was complete and minor paint touch up was needed for walls and for floor. 

CitiMorgtage has decided that they will not honor the 100 % structural and are stating, without contacting me or reviewing with me. At first they claimed that only a 33 % complete inspection was done ( again their XXXX XXXX XXXX system is broken ) and then they have decided that since there is still some plywood in my living room protecting the floor while we finish any painting and getting money to pay for removal of the damaged baby grand piano ... .they have decided that we are only 95 % complete and as such will not release any funds. 

I am not allowed to get past any phone support at CitiMortgage to talk to an actual person making a decision. 
This has been gong on for 6 weeks. The amount for the remaining funds is about {$22000.00}. 

I am truly dissappointed at CitiMortgage. They come off as a desperate bank that is not interested in letting money, that is not theirs, go.
I have attempted up get my student loan pay history updated with all  XXXX  credit unions. I submitted to them the deferment approvals for the times where it shows late on my credit report. The accounts are updated with the same wrong information . I had   XXXX   send me all of my deferment request from the time the loans were I consolidated. Each Of the bureaus are neglecting to properly verify and update these accounts. Even after I sent them the information I received from the company they have to verify the information in which they place on my report. Due to lack of proper investigation, failure to verify properly and poor communication, I am requesting that all of the  XXXX  accounts be removed from all   XXXX    bureaus..
My family and I have been experiencing a severe financial hardship for multiple reasons, most of which are outside of our control ( medical, unexpected repairs, etc ). In XX/XX/XXXX, our mortgage lender, Wells Fargo allowed us to submit a modification request in hopes that our payment would be reduced so we could keep our house. At that time the number of missed payments had not triggered foreclosure proceedings, so we had hope that after over 10 years of making payments Wells would take a serious consideration at our request to make our payments affordable, even if it was for a short period of time. Unfortunately the request was denied, and I was disgusted to find out that the reason Wells gave us ( in writing as well as verbally ) wasn't because lack of affordability, but because the Loan to Value was so low that they would missed on an opportunity to sell it at foreclosure and make a profit. We're seriously in shock at this decision. Because we owe slightly under {$200.00} thousand and the house is worth over {$300.00} thousand they would rather take it from us and sell it? This seems very unreasonable and one sided. We love our house and don't want to lose it. 
To make things worse, three weeks ago we attempted to submit a new modification as our finances changed ( not by much, but we thought it might've helped ). Well, we spoke with at least five different Wells representatives and all indicated that it was absolutely possible to submit a second modification after the first one was closed. Long story short, they kept asking us to call back every other day to check on that status, so we did, but yesterday I spoke to the sixth Wells representative, whom in a very condescending way said : " we're sorry but because you're in Texas and the bank has already established a day of sell, we are unable to accept another modification ''. I explained that five other employees had led us to believe that this was possible, and he basically said " I'm very sorry but those employees shouldn't have given you that information as it is wrong '' ... Now our only option is to try to rush a sell on our side, and we have less than a month to put it on the market, get a contract, get the buyer qualified, and close, which is virtually impossible to do in less than 30 days! 

This is a clear example that Wells is taking advantage of our good will. As much as we hate to be in this situation and know we have let our lender down, we are also humans and unfortunately life has been really rough in the last two years, but we are still alive and have the strength to continue to push forward, we're only asking for some temporary help. Unfortunately when it comes down to assisting consumers, regardless of their high level of loyalty, Wells still only cares about one thing : Wells Fargo.
Im a XXXX XXXX XXXX and I purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I used the finance company that was referred by dealership. BMO is finance company. I agree that I do owe them however I pay them approximately 18000 per month for six vehicles. I currently owe them XXXX for month if XXXX and I have sent the last XXXX today. They wont recognize that we are in the Month of XXXX and they will not remove repossession order. The reason I know that is because repossession agent has informed us they are on the way to pick trucks up. I just feel they are pretty drastic when it comes to collection. We never refuse their phone calls. I spoke to dealership about this problem and they informed me that the finance company does this to be able to resale equipment all over again. Meaning they would have kept everything we sent in payments and then add the future income of what would come from resale. We get just as many calls from repossession company as we do from finance company. They seem to look forward to seeing us fail.
My mortgage with GreenTree Servicing LLC was {$620.00} for a year when it was modified and transferred from XXXX XXXX XXXX. XXXX XXXX, XXXX, I received an Escrow Account Disclosure Statement stating my mortgage will increase to {$680.00} for the following year. Then I received another Escrow Account Disclosure Statement XX/XX/XXXX stating my mortgage will increase to {$830.00} for the new year. The explanation I was given for these increases were there was a delinquency or deficiency escrow balance of {$6000.00} or more from my previous servicer- XXXX. I therefore requested, in writing on XX/XX/XXXX, that Greetree Servicing provide me with evidence of this delinquency or deficiency escrow balance from my previous servicer- XXXX. I have received several form letters from Greetree Servicing saying they are working on it with delivery dates of resolution that have not been kept. This will be my XXXX month paying the {$830.00} mortgage payment with no evidence to support the delinquency or deficiency escrow balance from my previous servicer- XXXX. 
Furthermore, my mortgage is HAMP loan and I have been with Greetree Servicing for a year. According to my HAMP loan agreement I am supposed to receive an incentive payment of {$1000.00} to my principle balance once a year after the anniversary date. I wrote a letter on asking for a written explanation of why I have not receive this incentive payment according to the Actuarial Payment History Greetree Servicing sent me on XX/XX/XXXX. I made my inquiry in writing on XX/XX/XXXX. I have not received an answer for either of these concerns as of yet.
In XXXX XXXX, U.S. Bank opened or allowed to be opened a premier line of credit ( account number ending in digits XXXX ) without my permission, consent, or signature. Attempts to address this issue with U.S. Bank resulted in a harassment call from an attorney in their fraud department ( contact was from XXXX, call dated XXXX/XXXX/XXXX @ XXXX ). 

I also visited a U.S. Bank branch on XXXX/XXXX/XXXX ( XXXX XXXX, MO branch - manager XXXX XXXX ) and inquired to see a copy of the original application for credit. I was informed that despite my name and personal information being attached to this line of credit that U.S. Bank would not provide a copy of the original application for credit unless required to do so under subpoena. 

U.S. Bank has been completely unhelpful and are acting solely in their own interests after it appears they engaged in illegal and fraudulent creation of a credit line using my personal information.
I have been trying to refinance my house with planet home lending Free the last six months and they have been stringing me along and allowing me to think that this was going to happen then today they informed me that my loan had matured XXXX XXXX and that there was nothing more that they could do to help me they said because it was a 15 year loan if this happened in six months none of this would have occurred. I do not know what to do I am living with my wife my daughter and her boyfriend and XXXX children grandchildren and XXXX baby I do not want to lose my house I have been offering planet home lending money to continue to pay the mortgage while all this is being done. Then today I find out that the loan has matured and they have not even asked my XXXX mortgagee to subordinate they made no offers to them which they said they were going to do my XXXX lien company had stated to them that they were willing to subordinate what planet home lending made no offers I am just looking for some help hereI can make the mortgage payment today and continue to make them I just need them to assigned me another loan and keep me in my house please help me
They are trying to collect a debt that does not belong to me just because the person has my same name, and they Obtained my information illegally without my permission, they are doing identity theft.
The company want allow me to access money from my accounts. They have accused me of writing two checks, they have accused me of fraud. The issue started at the end of XX/XX/2018, when my daughter realized that the debit card to one of my accounts was missing. We reported the card lost to the bank and the police, we filed two police reports one in XXXX, AL and one in XXXX, AL. A week later the bank tells my daughter that someone deposited two checks into the account. We went to the bank to let them know that the card was lost. The bank told us that because my daughter, who name is on the bank account should not have had my card, they would not be refunding the money to the account that the checks was made to and that they was taking the money that was in my other account to recover the overdraft from the other account. The bank stated that whoever put the checks into my account had the pin number the checks was deposit through the ATM, but when my daughter lost the card, the pin number was on the back of the card and she lost her driver id, that is all in the police report. I gave the bank the police report numbers and offered to have my job and my daughter job show time stamps, to prove that we were at work when this happened. I asked the representative at the bank how was someone able to withdraw {$3000.00} out of an account that only had {$25.00} in it. The bank statement shows that the person was able to take the majority of the money out of the account within two days, when usually if you put that big of a check into a regions account they make you wait 5 to 10 business for the check to process. The representative told me that they did not have control over what the ATM allowed a person to take out or put in. That when you put a check into the ATM you are allowed to take cash out under good faith that the check is real, this is in contrast to what they do when you bring a check into the bank and make you wait for the check to be processed for 5 to ten business day.
JH Portfolio Debt Equity has reported an account # XXXX that is not mine to my credit report. I requested a debt validation over 60 days ago by mail with no response. I called also and still have not received documents concerning this debt. I disputed it with XXXX and XXXX and all said that JH Portfolio Debt Equity verified to them. I would like debt validation information to be provided to me or them to remove this negative information.
My name is XXXX XXXX, D.O.B XX/XX/XXXX and Social Security Number is XXXX. On XX/XX/XXXX I discovered L J Ross Assoc for XXXX had been re-inserted onto my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately
Equifax and XXXX are continuing to report incorrect information on my credit report.

They are reporting : XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX They are verifying this account as accurate. They have informed me they are not required to provide me the documents they used to verify this account. They are verifying this item with out any proof.

I sent 3 validation request letters to the creditor. I received one response stating they could not locate any information about this account linked to my name address. The 2nd letter was a {$640.00} invoice. This is not validation or verification of any debt. I also called the number for the company and was informed they couldnt locate any account linked to my name and address.

On all my official documents. Drivers license, passport, bank statements, W-2s etc my name full name is used. XXXX XXXX XXXX. This account does not. Also this account is associated with an addesss I ever lived.
I am one of Rush card user, I have been really stressed out from this matter. I got behind on my rent, lights, and other bills, as well as my storage. My daughter purchased my medicines, and also had to buy me food and personal items. I finally got my money on the XXXX XXXX after being told that the card was to be locked for one day XXXX XXXX, I spend so much money back and forth to the ATM machine checking to see if my money was there having to pay people for, and for helping me.I could n't get my own money. Rush Card only want to give us a few months without having to pay for monthly fees. Not caring how stressed I am and the head aches I been having and still having because I am broke now, after having to pay out all my money I get Social Security and XXXX, I am on a fixed income, now I wo n't have anything for XXXX. I had problem sleeping for so man nights and still wondering what I going to do about the rest of the month, since I only get money once a month This is all because of something they messed up.. Then they have you on hold for hours, I could n't check my card online. They say just go to the ATM, and see if you can get anything out, we working on it. I have been with Rushcard for over 8 years and I have been locked out of my online account before, but they help me reset my password. Then money come up missing, and I was told it 's because the merchant got their money, but at the time I made the purchase my balance go down, then more money come out and I know I had n't made any new purchases. This is so sad that poor people has to go through this. I filed a complaint with XXXX, and I am searching hard looking for a lawyer that handles Class Action Law Suits. XXXX XXXX and his Rush Card should pay us for what we are, and have went though. Giving us a no fee deal is nothing, like that makes up for everything. Somebody " Please Help Us '' I am so done with this Card I can send you my late bills receipts or what I have and statements from those I borrowed money from.