WillisBack/dataset-financial-user-claim huggingface dataset:
On dates XXXX, XXXX, I mailed each of the XXXX bureau disputing this inaccurate, information on my credit, The addresses were deleted but the public record related to this dispute still stand, I even took it upon myself to mail the court that the Bureaus say they are verifying this information with. The court response is included a long with a address that is not mines on the XXXX, I am filling a complaint to get this inaccurate information removed from my credit. I was not notified on how this item is verified as mines on each of these responses. This is violating the FCRA.
My name is XXXX XXXX XXXX, and recently I was offered a modification trial period that simply I was not in a financial position to live up to. However, I can maintain a consistent payment history starting XX/XX/XXXX. Since I am a proud XXXX XXXX  woman, I have always lived a life within the rules when it came to fiscal responsibility. Over the past year I have faced multiple financial set backs that I believe your office will understand what the basis was for the recent financial hardship. 

1. My income from fiscal years XXXX through XXXX shows a drop in yearly income in excess of {$18000.00}. This was caused due to a reduction in overtime with the state of New Jersey. 
2. This past XX/XX/XXXX I was injured at work, which eventually brought on a XXXX in XX/XX/XXXX. This injury to my XXXX was very difficult to deal with on a personal level. My income from workmans compensation was not simply wasnt enough to cover my monthly expenses. That has changed and the attached paystubs show that even with the loss of several months of income, I am projected to earn over {$60000.00} for fiscal year XXXX. 
3. By Bank of America checking my credit you will see that I am now in the process of resolving a few charge offs and several medical bills. Most of these medical bills will be covered when my health insurance straightens out their responsibilities. The posting of medical collections so quickly s a  violation of the Consumer Financial Protection Bureau mandate to all credit bureaus on a XX/XX/XXXX agreement with all three credit reporting agencies that medical collections can not be posted until a 180-day timeline is established. I am filing separate protests on this abusive collection process with the CFPB. 
4. I am now back to work full time and my projections are to settle all charge offs by XX/XX/XXXX, and to start making my Bank of America payments on that date. 
5. I have an individual that is working with me without compensation on obtaining a restructured payment arrangement and possibly a reduction in interest rate. His power of attorney is attached as well. 

I understand that Bank of America is currently associated with two lawsuits based on systematic racism and other levels of discriminatory practices. It is not important to me at this time what the internal problems are with one of Americas largest banks. What I am interested in is being treated fairly in obtaining a modified mortgage with a more reasonable payment option. I am rebuilding my credit and at the same time healing from the XX/XX/XXXX XXXX. My perspective is quite clear, that I have always lived my life with the highest integrity. However, after several set backs that I will not get into other that what was already explained. I am now coming back stronger than ever. 

Please respond back to me immediately. If your office needs copies of my recent medical issues I will forward them immediately.
I closed my home in XX/XX/XXXX. On XX/XX/XXXX XXXX I received in the mail a delinquent property tax notice from XXXX County in the amount of {$1500.00} including {$31.00} in penalties. My daughter lives at the property. It was also stated on the notice that this amount must be paid by XX/XX/XXXX to avoid advertisement for lien on the property. 
I purchased the house with my daughter on XX/XX/XXXX and at that time an amount {$1600.00} for 13 months of payments at {$130.00} per month was accounted for and deducted from proceeds for payment of property taxes. Settlement statement Item : G line 3 under Other Costs. 
However, it appears the XXXX tax bill was never paid by Penny Mac from the escrow account ( in fact the money is still sitting there ) and has become delinquent.

My daughter called the mortgage company on XX/XX/XXXX and was told that the escrow company would be contacted and requested to take care of issuing the funds to XXXX County. 

My daughter called again yesterday to make sure the check was in process and spoke to XXXX but was told that the check has NOT been disbursed one week later it is still pending. The representative today also told my daughter that she would alert Escrow to get the funds dispersed ... AGAIN. 

As I do not have a record of the two phone calls, after my daughters phone call, I sent a letter as written notice of error yesterday to Penny Mac. 
I also stated that if any damages are incurred due to this error, a formal complaint will be filed with Federal and State Agencies and CFPB. 
As {$31.00} of the due amount is a penalty, I refuse to pay that part. Penny Mac should do so. 
I just checked my mortgage account online and funds have still not been disbursed.
TransUnion File Number XXXX Date:XXXX  TransUnion has under Supplemental Consumer Credit Information XXXX XXXX Inquiries in the last 7 years:12 I have not applied nor received any XXXX XXXX as stated by TransUnion there has not been any XXXX XXXX nor applied to as stated by TransUnion. I need documented proof of who and what XXXX XXXX place there was a XXXX XXXX loan received by me and the company name and city and full information this was done.
I closed my {$450.00} / year Citi XXXX XXXX XXXX card 51 days ago. I called today and to ask why I have not seen a check for the annual membership fee in my mailbox yet - the first rep I spoke with told me that it would take 2-3 billing cycles and that I 'd have to wait. When I said some time had passed he sighed and said 'yeah yeah, it can take some time ' as if I were his fraternity brother, not a premium card customer. Upond repeatedly requesting to speak to a supervisor, I was transferred to XXXX ( rep ID XXXX ) who informed me that I had closed my account 3 days too late to get my annual fee back. When I shared that I was not told that I would not get my fee back, he said that, unless someone had explicitly told me I would get my money back, then there is no issue and nothing he could / would do for me. I have not been advised that I am forfeitting XXXX XXXX when I closed the card - had I been told that, I would either have requested an exception or kept the card open. As it stands, Citi has taken my money, closed my account and essentially is retaining money for services not rendered - without informing me of this. I would like to have my fee back from Citi, I believe a reasonable request as my card is closed and I am not using any services. I was also not told that my fee would not be reimbursed. I appreciate your help in this matter.
I have contacted equifax several times about several accounts and inquires requesting they are blocked from my credit report due to identity theft. They keep updating the trade line as verified even after identity theft report was sent in to them. I did an online dispute in XX/XX/2018. I sent in a letter as well in XX/XX/2018 and I also fixed the letter into them and accounts has not been removed. Also Eauifax data breach there was several inquires added to my report.
Experian is suddenly reporting that I am a minor and they make it impossible to correct this. They have no option to contact them by phone and since " I 'm now a minor '' the online dispute feature is not allowed. The only way to dispute this is by mail which will take 10 days. I am in the process of a real estate transaction and this is delaying everything. My banker is running my credit and my SS # is coming up " Not Reported '' where social security number is, then " No hit/no record found, '' and finally, Experian Error XXXX - Consumer is a Minor. '' I 'm XXXX years old and all the other agencies are reporting the correct info. Where they got this info is a mystery.
A debt with XXXX was settled with the original creditor ( XXXX ) prior to being sent to collections. XXXX has agreed to remove the account from my report however Transunion will not remove the account nor will they allow me to open a dispute with them.
HSBC approved me for a new truck loan several years ago. But then two weeks later they took back the loan saying I didnt fit their credit granting criteria. Why did they approve me of the loan to begin with. I was able to keep the truck with another finance company. But it has always bothered me the way hsbc treated me. They acted very sexist towards me and it was a mean thing to do to me. I have always wanted to know why did they approve me to begin with.
I spoke with XXXX XXXX XXXX on the phone in 2016 and agin in on my last phone interview with XXXX XXXX.

I was told that the late payment in XX/XX/2016 would be removed if I filed an dispute.

I was told both the call were recorded.

Please, have the fraud department audit the calls and remove the late pay.

I also tried to pay the amount due the week of the charge and was told I could not pay until it posted.

The above was at the XXXX Customer Service Department on the week of the Charge. I called the # on the Card.
I was denied home affordable modification, then they offered me a thing called cash for keys on my property. ( I ca n't be worried about losing the house when NationStar forced me out.All I want is my money back so that I can move forward and have a safe roof over my child and I heads. ) I found out XXXX years later, that my original lender was a predatory lender. My original lender back in year XX/XX/XXXX was XXXX XXXX XXXX XXXX. XXXX XXXX was in the process of modifying my loan ( so they say ). Next thing I know is I received papers in the mail saying that XXXX XXXX XXXX would pick up were XXXX XXXX was in modifying my loan. Then it was an on going cycle with XXXX XXXX XXXX til XXXX day I received another letter from Nationstar Mortgage. In my opinion, Nationstar was very rude and unprofessional. They say that they were going to modify the loan. But I caught them in plenty of lies. Nationstar does not communicate well with there staff. I have all of the documents and conversations written down concerning this entire matter all the way to XX/XX/XXXX, when I surrendered my keys to Nationstar for the cash for keys program. As you can see, at this point I got tired of their lies and foolishness. I hope to hear from you seen.
On XX/XX/XXXX, I mailed an investigation request to XXXX, XXXX, and Trans Union. The bureaus are supposed to conduct an investigation and respond within 30 days. As of today, neither of the bureaus have responded, and more than 30 days have passed.
Capital One Bank is being completely unreasonable. I was out of the country on XXXX separate occasions ( XXXX and XXXX ) and missed XXXX payments months apart. I had an average of {$15000.00} in my account during those months. The account had been open for a number of years and never late. 

I provided proof of these statements and Passport travel to Capital One Bank but they will not remove from my credit report.
On XX/XX/XXXX I went to the bank to pay my mortgage. I unfortunately was behind on paying so I sat down with a banker and spoke on the phone with someone from the mortgage department. I found out the total amount that was due for me to get caught up. I then proceeded to try to pay with two different cards. One from my credit union and the other from. My XXXX XXXX checking account. The first portion {$700.00} was paid and when I attempted to pay the second portion I was informed that the bank would not accept my request due to the fact that I was attempting to use XXXX XXXX. I then on XX/XX/XXXX paid the second portion. When the second part was paid I wanted to make sure that I was up to date. The individual who accepted the payment stated that the first one did n't show but that was when I paid the money the bank was processing and would show after the weekend. I asked if she could see that it was in the system at all and read all the information that was on the receipt. The bank never showed the payment for the past year. I proceeded to send copies to the bank so that they could do an inquiry and find the money. When nothing came of that I proceeded to go to one of the branches and had the branch manager to electronically send the bank receipt and the receipt from my credit union showing that the payment was made. I then tried to buy a new home and also was trying to buy a car but the bank has put the delinquency on my credit report. My mom was the one who consigned for me and this has affected her credit as well. The mortgage department stated that they never received any of those emails and faxes. When on the phone I was told by one person that the payment was paid to a portion of my principle instead of the payment.
When I received my Experian credit report in XXXX there are three inquiries that should not be there. XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX and XXXX XXXX/XXXXXX/XX/XXXX.
I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and TransUnion LLC, XXXX and XXXX are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have then comply with federal law and respect the rights of Identity Theft victims, such as myself.
Saving Account was closed by Chase bank on XX/XX/2018, in the letter sent by the bank it said they will send me a check for the remaining balance of {$300.00}, but the bank holds that check and refused to give me my remaining balance until now.
There is a bankruptcy reported on my credit report in XX/XX/2016 that has a XXXX balance and no additional information. I have disputed this item with all three bureaus who claim they verified the existence of the account with the courts. I contacted the courts and they confirmed that they could not have done such because they do not respond to such request, which means it should have been removed.
On XX/XX/XXXX I wanted to purchase new shoes for my birthday on XXXX   and unaware of scams because all my life all my transactions have went smoothly I was not aware of getting scammed and the scammer made me pay through XXXX {$170.00}. I contacted my bank and XXXX, neither helped me.
I was recently alerted by a credit reporting agency regarding a Judgement Placed on My Credit Report. XXXX XXXX XXXX Placed a NEGATIVE REPORT stating a Delinquency Regarding XXXX from 2001. 
I have NEVER been Contacted by this company by phone or mail regarding this account. 
This may NOT EVEN BE MINE. Not sure what it is, who it belongs to, just that it was Placed on my Credit Report Causing my Credit Score to Drop XXXX points!!!!! 
I sent an email to the company Never received a Response. 
A DEBT from 2001!!!! is n't their a statue of Limitations? But to also attach something like this on someones credit report without any correspondence? 

It Certainly pays to Monitor your Credit Score on a regular basis.
ALLY RAN MY CREDIT 3 TIMES IN ERROR, XXXX AND XXXX IN ERROR, AUTHORIZED SOFT ONLY.
After my divorce was finalized on XX/XX/XXXX and my ex-husband took full financial responsibility for the mortgage, but before he completed the sale of the condo on XX/XX/XXXX, he stopped paying the mortgage payments resulting in two months of nonpayment on a {$140000.00} mortgage.

It is now reflected on my credit score and XXXX XXXX  has declined to make any effort to rectify my credit score even though I was not legally liable for the mortgage payment per my divorce settlement.

I have filed disputes with the three credit reporting agencies and provided my court-stamped marital settlement document : TransUnion ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). During their investigation, XXXX XXXX confirmed that the mortgage was in my name and the credit reporting agencies closed the dispute. 

Per the marital settlement, I did not have legal authority to conduct or otherwise speed up the sale of the property while my ex-husband was failing to pay the mortgage.
I called Transunion due to the inquiries that have been applied on my account. When Transunion went through there Glitch a bunch of inquiries were added to my account that has never been there and not authorized from me. When speaking to a account representative stating to them I have proof of document that I was apart of the Glitch, they paid me no attention. I have listed the inquiries below that need to be removed or I will go for legal action.I am very aware of my rights and Transunion failed there legal rights to speak to the people on the Glitch and actions that where taking place. If you look through you can see where the inquires are even done at the same place months after ( This are not from me ). 

1XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XX/XX/XXXX 3.XXXX XXXX   XX/XX/XXXX 4.XXXX XX/XX/XXXX 5.XXXX XXXX ( again ) XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7. XXXX XXXX ( again ) XX/XX/XXXX
I contacted my current mortgage company to inquire about refinancing my loan to shorten the term from 30 to 25 years. After speaking with XXXX I submitted an application based on the terms he presented. I was provided with an extensive list of verifications to gather and submit and completed an application over the phone with XXXX. After several days of repeated requests to submit and resubmit the same paper work, I grew frustrated and wrote an email to XXXX informing him that the process was taking too much time from my business day and I didnt care to continue if there would be more paperwork required. XXXX wrote back to indicate he only needed a pay stub and after that he was sure the underwriter would approve the loan and there wouldnt be the need to continue searching for and sending documents. Based on his email to me, I agreed to provide him with the {$500.00} non-refundable fee believing that he was operating in good faith and i would proceed toward a loan. After sending them the funds and waiting a few days I got another message from XXXX indicating that the underwriter now wanted another 8 or 9 pieces of documentation, many of which would take hours and even weeks to obtain, and several that had been submitted previously, some of them more than once. I called to complain and was connected with a supervisor, XXXX, who proceeded to tell me that I never qualified for the loan in the first place and should have been stopped at the application because I do not meet their income to debt ratio. At this point I dont care about the loan, but am curious and very angry about a mortgage lender taking money from me for a loan he knew he could n't make, and worse, wasting significant portions of my time providing documents when the loan had already been essentially denied due to failure to meet credit standards.
On XXXX XXXX, 2017 XXXX XXXX XXXX received a letter of validation from me. They responded on XXXX, 2017 with a letter and a contract that was allegedly signed by me. The thing is that company 's name is nowhere on the contract. I have never signed anything for XXXX  XXXX XXXX. After all of that, earlier this year they repossessed my car after I made arrangements with them and paid money. I tried to get my money back but they lied to the bank and so I had to suffer the consequences. They practically stole XXXX from me, and then they lied about it.
I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX, XXXX XXXX XXXX # XXXX, XXXX, OH XXXX Phone : ( XXXX ) XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
I fell behind with my mortgage payment with Wells Fargo because my income has dropped by 20 %. also my expenses have increased. I have XXXX children in colleges. I am trying to provide them with the best education for their future. I tried to apply for loan modification several times with Wells Fargo. The XXXX time I was denied because the investor does not participate in HAMP. I filed a complaint with Attorney General. I was asked by Wells Fargo to reapply for modification. I applied again in XX/XX/XXXX I was approved for XXXX trial payments XXXX and XXXX trial payments were {$2600.00} but XXXX trial payment was in the amount of $ XXXX I ca n't believe they had the nerve to offer this deal to us- We do n't have that kind of money - We reapplied in XX/XX/XXXX was denied because they do not have the contractural authority to modify your loan because of limitations in their servicing agreement. Attached is both the approval and the denial letter from Wells Fargo. I strongly feel I am being treated unfairly by Wells Fargo and XXXX ( the investor ) - I am asking for your help to find some type of solution to save my home.
I got a call from XXXX XXXX XXXX about a debt they said i owed. I asked them to send me a paper bill and i would get it taken care of. The lady on the phone started yelling at me saying they had sent me a bill. I explained I had never received the bill and i will not pay without a paper bill. Not sure of the actual date Now on XX/XX/18 within 1 hour i have received XXXX calls on my cell phone from this same person which I am at work and will not answer. This is harassment.
My account was purchased from XXXX XXXX by Citibank. I make autopayments and have the account set up with alerts and did not know this happened. I was called when the payment was late and that is how I found out. I was told that I owed around {$160.00} when I only had one payment due of around {$56.00}. I was told there was a late fee and that would be removed due to bank error but would be credited. I was also told that the " XXXX '' cycle had started and I had to pay that too. I have a perfect payment record with XXXX. I did not want to be reported as late so I signed on the website to set up the new account. There was nothing anywhere telling me how much interest they were charging on what balance, nor anything showing what was included in the amount due, {$160.00}, no itemization for late fees, nothing, no disclosure, just the requirement that I pay the full amount due. I did call before this and was told that the late fee was removed and I could just pay the amount due. They kept explaining to me that they had just bought the accounts last week and were not able to transfer the auto payment information. I do not understand why they would not have to show the interest rates and balances to which they are applied. The old account is closed, I do not have online access anymore.
This is the second complain that I'm filing and I wont stop until I get transparency from this lender and the CFPB does something. 

The situation has even gotten worst since my first complain. My original complain was that suntrust wasn't applying my over payment to my principal balance. Now suntrust is charging me late fees? HUH someone explain if my monthly note is XXXX and i pay XXXX biweekly on auto draft ( never bounced ) how can i be late when suntrust in writing replied to the CFPB that i had made three payment in advance in my account. 


Someone from the CFPB needs to look in to this.