WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a CapitalOne360 account yesterday and set up an ACH draft tomy credit union. I specifically asked when the ACH would occur and theyexplained that they would first send two small deposits to the credit unionand then I would have to " confirm '' those deposits before the initialtransfer to my new account would occur. This was confirmed by anumber of web pages on their www.capitalone360.com web site. 
This morning, less then 24 hours after opening the XXXX account andwith no small deposits to confirm, they drafted my checking account for {$50000.00} which caused me to incur a transfer fee of {$3.00} at the credit union andexposed me to additional fees had I not caught this situation at once. 
I am concerned that their web site and call center staff are eitherintentionally or inadvertently providing incorrect information at thepotential expense and inconvenience of consumers and I would like my {$3.00} back. This is not about the {$3.00} but the principle of what they aretelling their new accountholders both personally and on their web pagesand their response to my concerns which involve hiding behind '' procedures '' rather than just acknowledging the issue and refundingmy fee. I escalated the matter to a manager who also stonewalled untilthey could conduct " research '' into the matter.
Lender has failed to release escrow for 60 days after loan payoff. Lender originally had wrong forwarding address but has now had correct forwarding address and affidavits of non-receipt for 15 more days and has not released check. This loan was paid off XXXX/XXXX/16.
Fraudulent account : XXXX XXXX XXXX. 
# XXXX XX/XX/XXXX18 Fraudulent inquires : XXXX XXXX /XXXX XXXX/XXXX/XXXX XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX XXXX.
Experian is continuing to report outdated information on my credit reports which violates the FCRA. Accounts are over seven years old, or have been more than seven years since any activity. 
XXXX acct # XXXX no activity since XX/XX/XXXX XXXX account # XXXX car was voluntarily reposed in XX/XX/XXXX all of the above accounts are past the statute of limitations ( XXXX ), but experian has still not removed the items from my report and they continue to report as current delinquent accounts.
GM turned me down for a lease on a new vehicle, stating that XXXX ca n't give them a credit score,  due to some kind of Fraud Alert, of which I know nothing about, nor where it came from, and cant get any answers. No explanation, nor have I been provided any documentation. I have good credit, with no problem getting a credit score from XXXX of XXXX.
I have sent numerous letters to update and correct my personal information on file with their company. request asking this credit bureau to update my credit file by removing all inaccurate personal information. I have asked for my address, name, social security number, date of birth, and employer to be updated. Additionally, I have asked that they remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I enclosed a copy of my drivers license, passport, SSN card, and proof of residence on numerous occasions. As of today, old information still exists on my credit report.
I disputed XXXX medical bills on my credit report. XXXX and experian investigated the accounts and the accounts were removed ( collection agencies could not verify accounts ). Equifax is still reporting the information incorrectly on my credit report. Equifax now reports XXXX of the accounts as paid and the third account as owing a balance. I explained the errors to Equifax and informed the rep that these same accounts were removed by transunion and experian. The Equifax rep stated that they can not remove the accounts for 7 years and that I needed to contact the collection agencies myself. After further discussion, the rep then offered to dispute the bill that showed a balance owed. I informed the rep that I disputed all three items on XXXX XXXX and I should not have to give the collection agency another 30 days. The rep repeated that they could not remove the items for 7years.
We were left homeless for almost 2 weeks due to the incompetence of XXXX XXXX XXXX ( broker ) and HomeBridge Mortgage. We sold our home and were supposed to close simultaneously on our new home on XX/XX/XXXX, we were given final loan approval and closing disclosures on XX/XX/XXXX only to be told on XX/XX/XXXX that due to a change in credit scores we would have to pay 3.03 % in discount points and wait an additional 3 days for new disclosures. On XX/XX/XXXX we signed the new closing disclosure and were told then on XX/XX/XXXX we were told that the loan was failing QM points and fess and that a fee buyout would be added and the loan would have to be re-disclosed yet again. We received a XXXX closing disclosure on XX/XX/XXXX with another .25 % in points to cover underwriting fees and were told the loan would close and fund on XX/XX/XXXX. On XX/XX/XXXX we were told that the loan was still failing QM and that HomeBridge stated it was a " system error '' and that they were working on it when in fact we were later told that the loan was failing points and fees so we were sent a XXXX disclosure with now an increase of ..375 % in our interest rate and 2.25 % in points, with our backs against the wall, XXXX kids, a dog and no place to live we had no choice but to accept the disclosure with the higher interest rate. On XX/XX/XXXX we HomeBridge reported to our broker that the file was still non-QM compliant, exceeding fees by {$350.00} and that they were again " working on it ''. The loan finally closed on XXXX/XXXX/16, 12 days after it was originally scheduled to and at a .375 % higher rate and 2.25 % more in points. The incompetence on the part of HomeBridge and the lack of timely accurate information being relayed to us and our realtor by XXXX XXXX lending cost us thousands of dollars in hotels, meals out, pet boarding, storage and paying movers to move our belongings twice, not to mention the thousands of dollars we will pay for the higher mortgage rate, with an almost 2 week delay in closing we could have found another mortgage provider.
XXXX   XXXX   XXXX    XXXX   has reported incorrect unpaid principal balance which has made my score go down. The company reported an increase by {$1100.00} between  XXXX   XXXX ,  2017  and  XXXX   XXXX ,  2017  which is inaccurate. Please see the attachment of the correct unpaid principal balance during this time. I have attached document from  XXXX   XXXX  site about my principal balance.     I hope im not apart of  XXXX   XXXX  discriminated against  XXXX  Americans. Because this really make no sense to me as to why  XXXX   XXXX  is reporting incorrect balance to make my  credit score go d own.
There is an account with Pioneer/XXXX XXXX XXXX reporting on my credit file that is NOT MINE! I have submitted an ID theft Affidavit and demand letters to the bank directly and have not gotten a response. I am not getting the credit I deserve due to this error on my credit file. I need this account deleted immediately!!
I did not give verbal and/or written permission for Consumer Portfolio Services to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.
I called Bank of America to determine how I could get current on my account since I have been principally unemployed since XXXX/XXXX/2014. I was told I needed to pay approximately {$3000.00} or agree to a debt consolidation agreement with an outside agency. I explained that I only remain delinquent on this account, which was a joint account that somehow was transferred solely to me. I asked about any other program and I was told no and this was my only option. I was then hung up on. The agent was unaware of the effects a debt consolidation and account closing has on credit and FICO scores. Bank of America is pushing debt consolidation with an affiliate in order to make more money which I believe is an illegal practice. They are refusing to allow me to keep current and has applied {$300.00} in payments to fees which they add every month.
Account with Citi financial opened XX/XX/XXXX. On XXXX XXXX has XX/XX/XXXX. The highest credit was {$9200.00}. XXXX XXXX has {$13000.00}. This loan has been sold five times. My compliant is with Citi Financial as well as XXXX XXXX. Citifinancial sold to XXXX XXXX, from XXXX XXXX  to XXXX XXXX, from XXXX XXXX to XXXX and currently XXXX XXXX is trying to collect. I feel I have paid this loan in full. I never boworred {$13000.00} form Citifinancial. I believe this information is outdated. All companies listed stated collections under Citifinancial. I began Citifinancial reported having received {$5800.00} when transferred to another lender in XX/XX/XXXX. On XXXX   {$4700.00} activity designation paid and closed. XXXX received payment up until XX/XX/XXXX
Citibank refuse to honor a promotional which said that they would give XXXX thankyou points after completing requirements. After confirming with representatives that I had in fact completed all the steps, I was denied the promotional points.
This complaint is focused on the fact that 5/3 Bank did not need to secure a hard copy of my credit report because the XXXX pre- personal loan application failed before it went to underwriting.On XX/XX/2016 I applied for an unsecured line of credit in person at 5/3 bank and brought a XXXX credit report on myself dated XX/XX/2016.I met XXXX XXXX from 5/3 face to face to go over my complete credit info on XXXX XXXX the application date.I told him I was requesting a pre approval application before 5/3 bank hit my credit report for a hard copy.He refused as I requested to get underwriting on his speakerphone and He was just too lazy to do conduct a pre-application approval.On XX/XX/2016 I received a letter from 5/3 underwriting which detailed the XXXX reasons why the application was refused based on my XXXX credit report they did not need to acquire.The XXXX reasons were ; insufficient credit experience and number of credit inquiries which were XXXX they reported which matched The XXXX credit report I brought in to XXXX XXXX on XX/XX/2016.In addition all of the creditors listed on my report dated XX/XX/2016 exactly matched the ones listed on the duplicate report from XXXX dated XX/XX/2016 requested by 5/3 bank. 

This is nothing more than 5/3 bank malisciously abusing their authority and ability to secure unnecessary credit reports which as you know are terribly damaging to the consumer. All the Bank had to do was look at the XXXX credit report I presented which matched exactly the XXXX report they requested on XX/XX/2016 and the pre-application would have been denied after discussing my credit report dated XX/XX/2016 with 5/3 underwriting.Now I have to endure the unnecessary pain caused by 5/3 bank to my FICO score. 

I am asking the CFPB to demand that 5/3 bank request a redaction of the XXXX credit report request since they did not follow well established bank policies.I am XXXX years of age and have dealt with 5/3 and it 's excellent predecessor XXXX.I always for any loan application have been given a chance to pass the pre-application process before going to underwriting ; from real estate to installment loans both encumbered or unencumbered this is a very basic tenet of the banking business.XXXX has attempted to take an easy shortcut so He could not fulfill my request for a pre-application loan approval.He was too busy discussing a non issue by underwriting on my credit report with me that had to do with a PAID tax lien All He had to do was put XX/XX/2016 underwriting on the speaker phone and after discussing the findings from the XXXX credit report I brought then underwriting would have denied the pre-approval application.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Phone : XXXX SS # XXXX I would like an investigation for Santander Consumer USA a financial institution. Violation of Privacy Act and Anti-trust laws. Illegal violation of The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Plaintiff purchased XXXX XXXX XXXX and the car was financed by Malfeasance in office by Santander Consumer USA Executive Manager and Sales Representative which caused economic damages, poor credit and destruction of automobile. This occurred after resigning from XXXX XXXX XXXX  XXXX on XX/XX/XXXX. This information may be verified by : Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX XXXX Malfeasance in office by XXXX XXXX, Executive Manager and Sales Representative which caused economic damages, poor credit and destruction of automobile. This occurred after resigning from XXXX XXXX XXXX XXXX on XX/XX/XXXX. This information may be verified by : XXXX XXXX Sheriff Department XXXX XXXX XXXX XXXX, Louisiana XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LAXXXX Telephone : XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX  Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX This company and person conspirators worked secretly to destroy XXXX XXXX XXXX XXXX  immediate family members with negative credit and to harm life style.
When I was in the process of refinancing my house 4 months ago, the mortgage company asked me to pay off my Synchrony bank consumer account. So, the escrow company issued a check to pay off the balance of {$9700.00} around XXXX. 20 days later, my account was still showing the balance of {$9700.00}. So, we called the customer service to check the status and they said our XXXX check might be lost. So, we cancelled the XXXX check and FedEx the XXXX check overnight on XXXX XXXX. Couple days after we mailed the XXXX check, my account suddenly became {$0.00} balance 2 days later ( I think they finally update the record from the XXXX check we mailed ). 
Due to the {$0.00} balance showing on my account, Synchrony bank has returned the XXXX check. 1 week later after I received the returned check, my account balance has been updated to {$9700.00} ( they finally found out that the XXXX check has been cancelled ). Therefore, we FedEx the XXXX check overnight again on XXXX XXXX. I called on XXXX XXXX and talked to XXXX ( account manager ). She confirmed that she has the check and would make it will be cashed. By looking at the back of the check, we are sure that Synchrony bank has cashed the check on XXXX XXXX ( with proof of the stamp on the back of check ). The escrow company 's account also showed that the money has been cashed on XXXX XXXX. 
However, Synchrony bank has never record this payment. I have made at least XXXX calls talked to different account managers. They all said that the record show the check has been reversed ( XXXX XXXX, the time XXXX returned my XXXX check ). No one wants to investigate what 's going on. I even faxed the copy of front and back of the check with Synchrony bank 's stamp on it, but they said it can not prove anything. They asked me to provide bank statement to prove myself. This is escrow company trust account. They can not provide the bank statement to me or to anyone else. Just like Synchrony bank, can they provide their company bank statement to me? Of course not. They try to make thing difficult. 
On XXXX XXXX, when I called them again to discuss this issue, Synchrony bank asked me to pay off my account to avoid late payment record on the credit report so I did. Now I made the payment twice but they still claim that they did n't receive the payment made from the escrow company. They now have extra {$9700.00} in their bank account, but they do n't want to admit it. I do n't know what else I can do to get this issue corrected. For the big bank like Synchrony, they can not find out extra money on their bank account? I do n't believe it. Please help me to get this problem resolved. Thank you very much!
Credence, debt collector for " XXXX XXXX XXXX XXXX '' a subsidiary and business partner for XXXX XXXX XXXX XXXX  ( see previous CFPB complaint regarding wire-tapping, fraud, and other illegal activities due to the mismanagement of records stemming from XXXX XXXX at XXXX XXXX XXXX XXXX, TX XXXX ) continues to contact me regarding a bill for a phone that I 1 ) never signed for, 2 ) never agreed to terms because the agents acting on XXXX XXXX XXXX XXXX 's behalf, ( XXXX on XXXX real name XXXX ), and 3 ) RETURNED all equipment and services in a timely manner from the XXXX XXXX LOCATION at the XXXX XXXX  in XXXX Texas. 

I was promised a multitude of things that never happened. I felt I was being coerced into signing a contract for XXXX and business opportunities, NEITHER of which happened. I don't appreciate XXXX XXXX XXXX XXXX or XXXX XXXX XXXX in general attempting to garner support for their company by making promises they never intend to follow through with in the first place. The bill keeps changing, but I have gotten XXXX XXXX XXXX, countless times, to admit over the phone, in person at the Uptown location, in person in the XXXX XXXX location, etc. etc. etc. to admit I do not owe them any money at all. 

I don't appreciate XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and NOW Credence, attempting to collect for debts I do not owe. I really wish I never would have shared any of my personal information with any of their agents. They have attempted to capitalize on my business acumen, law background, health and human services background, and the like, to attempt to get me to be " a part of their family. '' XXXX XXXX XXXX, the conglomerate and its business partners are not a family. They are a terroristic gang that needs to be reprimanded by the FCC and investigated thoroughly for their fraudulent, illegal, and frankly disrespectful tactics against myself and other similarly situated individuals. 

To this DAY, I do not own a phone nor do I partake in any of XXXX XXXX XXXX services because I do not trust them, their company, or anything else they do to their consumers. What happens in the dark will always come to the light.
I always pay my credit card on time. I logged in to see that my Bank of America credit card had a larger balance than normal. My initial response was to pay it off quickly. I then looked into the account further and found a fraudulent claim. The bank put a dispute in and gave me a new card. I also said that I had just made a payment and would like to have that sent back to my bank account. They told me they could not do that. What they could do was send me a check in the mail. They did this and I deposited the check. This was in XXXX, 2014. At the end of XXXX I had a mysterious charge on my credit card called credit readjustment. I called in to ask and they said they did not understand this and would investigate. Investigation, they said, should take XXXX hours. I had to call for over a month to see why no one got back to me. I wanted someone to contact me and explain. I had a folder on my computer filled with all of my statements so I was prepared when they called. No one ever explained except to say that they supposedly sent me a check, but also credited my old credit card account ( which I do not have access to see anymore because they gave me a new card ). I found this strange that they not only told me they were unable to issue me a refund, which is why they sent me a check in the first place, but also that it took them a month to tell me anything and I had to be the XXXX to follow up with them. Now I am unable to see my credit card account online and can not even pay anything off. I do not make a lot of money as I am starting my phd this fall and keep track of my money well. I can not afford to have a large charge come out of left field and no XXXX there is willing to even reduce the fee even though this was all their error to begin with.
I have put in a dispute 14 times with EQUIFAX ONLY. THEY WILL NOT FIX THE THIS ACCOUNT WHICH HAS BEEN CLOSED AND PAID IN FULL XX/XX/XXXX. 
I HAVE CALLED AND TOLD THAT ACCOUNT IS CLOSED, BUT IT IS N'T I GET EMAILS SAYING ALL FIXED BUT IS N'T. 
XXXX XXXX XXXX XXXX XXXX XXXX CLOSED {$0.00} BALANCE. STILL SHOWS OPEN AND {$9900.00} BALANCE. 
PLEASE FIX THIS ON THE EQUIFAX REPORT ONLY. TRANSUNION AND XXXX HAVE DONE THEIR WORK, BUT I KEEP GETTING CONF. # XXXX.
I had inquired a refinance from Ocwen Mortgage ( Fla ) ( I live in P.a. ) ..in XXXX ... .they foreclosed on my house before the time allowed ... with my possessions inside ... .i had a buyer for the home..through a realtor ... they ( his name was XXXX XXXX XXXX refused the offer of 91,000 $ ..i filed bankruptcy added the house to the bankruptcy ... THEN when my home was sold ... .they tried to come after me for the balance ... .because if they had taken the XXXX offer they wouldve gotten 30,000 $ more, than they ended up getting through the bankruptcy, which was only 70,000 ... so i lost my home ... .over the years i had heard from a law firm that was supposedly filing a class action suit against them ... but ive never heard anything again!! Im STILL XXXX about this ... it was my childhood home ... i was taking care of a toddler and a XXXX mother @ the time ... .My Mother passed before the foreclosure ... but they were horrible to me!!!!!
I am writing as a victim of the XX/XX/XXXX XXXX  security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( first on XX/XX/XXXX and second on XX/XX/XXXX ) to IC SYSTEMS INC and requested they only contact me by mail. 
The only response provided from the debt buyer is an invoice sent on XX/XX/XXXX, they have been unable to provide me with the original contract, account history and other documents requested. 
Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. The account was originally closed with the original creditor verbally on XX/XX/XXXX due to the sale then eventual death of the pet seen by XXXX XXXX XXXX. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by IC SYSTEMS INC regarding this account. I have submitted this complaint in attempts to have this debt verified and this account investigated.
After contacting the lender, Chase A/C # XXXX, and the attorney involved with the bankruptcy, XXXX XXXX at XXXX XXXX in XXXX, FL, I have located all of the paperwork necessary to correct the issue, yet neither of the above companies will file the correct paperwork to the credit bureaus to fix the problem. I have all of the additional paperwork that was sent to Chase that  they said they never received in order to put this loan onto my credit reports. Someone in either company made a mistake but I should not have to pay for this very costly mistake. <P/>My additional complaint ID is XXXX, this is NOT A DUPLICATE. Someone in one of the companies above made a mistake, and it is being taken out on me. I need this reported on my credit report, as this is my lifeline being a widowed mother of a XXXX XXXX. I expect this to be corrected by Chase, they have the proof of everything, but will not fix it. <P/>I have to purchase another vehicle soon, and this needs to be on my credit report showing the excellent payment history that I have provided.