WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted a certified letter to Equifax disputed several account that they were reporting.This letter was received by them on XX/XX/XXXX. I recently received their response, in their response that state that this is an Re-investigation, however, That is incorrect because this is an initial investigation. The accounts in question are XXXX XXXX XXXX # 's XXXX and XXXX. XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX and World Finance account number XXXX. 
Equifax was informed that these accounts are not mine, and asked to submit proof of the verification they have supporting their reporting, which they did not. I have personally requested that These agencies send me verification and they have not, so how is Equfiax verifying these accounts without verification? The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.
A company under a name of XXXX has an inquiry on my trans union credit report and there 's no way to remove it according to trans union online portal. This was a result of identity theft issue.
I purchased a vehicle from XXXX XXXX in XXXX VA. I had a XXXX XXXX XXXX which I leased from a XXXX Dealership in 2015. I went to XXXX XXXX to trade this vehicle in and purchase a new one. XXXX XXXX staff XXXX XXXX as well as XXXX, XXXX XXXX ( GM ) all made me believe that they would accept the XXXX as a trade in, asked me for my keys and kept the vehicle for almost 2 months. They advised me they would pay the XXXX vehicle off and add the charges/debt to the purchase of my new car loan. It wasnt until XXXX began harassing me for payments for the next 2 following months that I called XXXX XXXX and asked them for proof that they had paid the XXXX vehicle off. They then advised me that I needed to go to the dealership and pick up the XXXX ( without tags ) and take it myself to a XXXX Dealership and turn it in. About 2 days after I reached out to XXXX XXXX to ask if they had paid the vehicle off and they told me that they would only pay for the last 8 months that was left on my lease, but any mile overage along with any late fees, wear and tear usage charges would be my sole responsibility. Here I am now 2 months later due to my own investigation with a damaged credit for late payments since XXXX XXXX has not paid the XXXX off as well as a balance of over {$4000.00} for overage on miles, late fees, etc. I have asked to speak to management with the dealership but they never return my calls. I even reached out to XXXX XXXX in North Carolina via emails which I still have but they have not replied. I also reached out to a supervisor in the Corporate Offices who has also ignored my emails.
Paragon revenue group reported a debt to creditors prior to notifying me of the attempt to collect a debt, and willfully admitted it during our conversation in an attempt to resolve the issue. Customer service rep XXXX and customer rep XXXX were both EXTREAMLY in professional to me, my wife, and failed to put me in contact with their supervisor in an attempt to pay my debt in full. They both used deception and un professionalism to conduct themselves. It was the worst experience I have ever had with a company.
I have a check in the amount of {$30000.00} made payable to myself. The payor has drawn the check on its bank, which is Chase Bank on XXXX XXXX in XXXX Indiana. I want to cash the check and I am not a customer at Chase Bank. I phoned the branch before I came in. I was told that I needed to come in and present the check and then the bank would order the funds which I could pick up at a later date. I was advised that there would be an XXXX dollar fee because I am not a customer. Five minutes later I arrived at the bank. I was told by the branch manager that I could not cash the check because I am not a customer. She said that it required ordering funds and she would not order funds for a non-customer. Then she said that even if I were a customer, she would require me to deposit the check and she would put a hold on it for 2 to 3 days before she would allow me to cash it. I asked her whether there was any way that I could cash the check without depositing it into an account and she told me no. I find this very confusing. I do not wish to deposit the funds. I wish to cash the check. It is a valid check and I presented valid identification, including a US passport. Is Chase correct in telling me that I am not entitled to cash for my check? Is it proper to force me to deposit it?
My mother died in XXXX Bank of America was notified that the property was in probate and the final payment was requested by the probate lawyer. I was named as administrator of the estate and when no response was received I contacted the bank and was told I had to submit a death certificate and the coast approve document indicating was administrator and once received I 'd get access to the pay off information. The bank froze my Mother 's checking account without noticing me so that the auto payments for the mortgage and the house insurance was not being paid. After not hearing from the bank I spent days of being ran around before finally getting the pay off amount on XX/XX/XXXX. I sent a certified check the next day. XX/XX/XXXX I called to verify the check had been received and was told the check was on hold for a insurance payment. On XX/XX/XXXX the bank had issued an insurance on the property for the period time that they had froze the auto payment. They were also processing foreclosure on a probate property for non payment due to their having frozen the auto payment. They sent mere an email staying them works not process the pay off until I paid the additional amount for the insurance. This is what I consider as extortion and fraud since the insurance was issued in the name of my deceased parents for a period that proceeded the pay off date and was a result of their actions.
Hello, I would like to issue a complaint on " Mr. Cooper '' XXXX XXXX XXXX XXXX. XXXX, TX, XXXX my previous mortgage servicer. 

I recently closed on a new loan with XXXX XXXX XXXX  for my existing home on XX/XX/XXXX and it was funded to " Mr . Cooper. '' on the XX/XX/XXXX. Just yesterday on XX/XX/XXXX, Mr. Cooper called my XXXX closing attorney, XXXX XXXX and said that I owed over {$2000.00} in escrow money. 

I find this to be unethical. Mr. Cooper never alerted me of this when I was their client and XXXX said they've never seen such poor management of a mortgage before ( they worked with Mr. Cooper to get the final amounts etc. ) owed. I feel strongly that this is Mr. Cooper 's problem and not mine. I am not longer their client and they never alerted me or my new loan organization, XXXX of this $ XXXX + escrow. 

I called Mr. Cooper today and they claim that when they bought my loan in XX/XX/XXXX I came over with only {$140.00} in escrow. They missed my XX/XX/XXXX tax payment to the city and the payment they made in XX/XX/XXXX was for XX/XX/XXXX. My question for them was who has my previous escrow money. Mr. Cooper or my previous loan, XXXX XXXX? Theyve admitted that theyve made many mistakes and said they failed to alert me that the XX/XX/XXXX payment was an advance. 

I am concerned that they will try to strong arm me in making this payment. I would like your assistance and for your help with this complaint. In addition, I'd like to ensure this does not happen to anyone else. 

Regards, XXXX XXXX
I opened an account with BBVA on XX/XX/17. I completed my application on that day, but was approved at a later day. BBVA was running a promotion for setting up an account with a direct deposit of {$300.00} or more. I completed the direct deposit and waited the allotted time. My bonus has not been paid. I have called BBVA multiple times and they always say they will look into it but I have never been called back. I was eventually told I opened the wrong account, but after that call I went and looked at my application and it was for the correct account for out of state applications. I emailed multiple times and after weeks I get a reply that the account was opened after XX/XX/17 even though I completed my application on the date. I then email again showing that my application was completed on that date. I get a response a week later to call in again. I call in again and get told it will be looked into again. 

Still no follow up. I just want this properly handled and the promotion applied.
Since XX/XX/XXXX, I have been trying to have Equifax and XXXX to update my credit report, delete unquiries XXXX XX/XX/XXXX and accounts older than 7 years old. Equifax still reporting a collection that I am no liable for, even after evidence from my health insurance has been submitted showing I have no responsibility. Equifax per information submitted to my previous complain stated that they verify my name but did not acknowledge the insurance evidence, the collection needs to be removed, I also notified the bureaus that on XX/XX/XXXX, my license, social security cards were stolen, there have been inquiries to my credit even after I placed a freeze and yet the bureaus have failed to prove that it was in fact me who made the requests. And lastly they are reporting accounts that are more than 7 seven years old.
Sallie Mae, now Navient, did not inform me in Fall of 2007 that I could have transferred my loan to XXXX XXXX. I started working as a public service librarian at a XXXX XXXX XXXX in XX/XX/2007. The PSLF program began in Fall 2007 with XXXX XXXX. Sallie Mae should have informed me that I could have transferred my student loans to XXXX XXXX at that time. This mean that I have been neglected the opportunity to be forgiven from the bulk of my student loan debt ( considering that I am still work as a pubic service librarian at the same place since XX/XX/2007 ). When I contacted XXXX XXXX about this matter, they said it was out of their hands and their was nothing they could do about it. Should I contact the Ombudsman ( if so, what is the contact information ) or should I start/join a class action lawsuit against Navient ( formerly Sallie Mae )? Please advise.
I mailed a letter to Transunion and they received it XXXX XXXX, 2017. I sent in a letter requesting TRANSUNION not the creditors, to verify specific accounts that are listed on my credit report. I clearly understand that the FCRA requires Credit Bureaus to provide all documents stored on file that were used to verify the information that is being reported on me when requested. XXXX is disputing the with the creditors I listed in my letter. However, this is NOT what I requested Transunion to do. This letter has nothing to do with the creditors.  I am specifically asking Transunion to provide me with proof of these accounts, written contracts or any information to validate the debt, they responded saying they do not have that information. Therefore, the listed accounts are unverified. I am fully prepared to take legal action in order to protect my rights under the FCRA. I am requesting the unverified accounts be deleted immediately under FCRA section 609.§ 609.  Disclosures to consumers (a)  INFORMATION ON FILE; SOURCES; REPORT RECIPIENTS.--Every consumer reporting agency shall, upon request; and subject to section 610(a)(1), clearly and accurately disclose to the consumer: (1)  All information in the consumer's file at the time of the request*I also sent Transunion a photo copy of my Drivers License and SS card*
My ex wife and I got a new vehicle loan from navy federal credit union for XXXX. We purchased a XXXX XXXX XXXX for XXXX and XXXX after tax, title and licensing. My car note was XXXX dollars per month for 60 months. For the first 32 months I never missed a payment totaling XXXX dollars. I also traded in a vehicle valued at XXXX dollars. After the first 32 months I refinanced for a lower payment which was reduced to XXXX per month. I assumed payments and payed over XXXX dollars over the next year and a half. My payments totaled over XXXX dollars with a few late payments and nfcu still said I owed XXXX dollars for this vehicle. After getting divorced I called NFCU to relinquish the vehicle because I could not afford it anymore and they agreed to pick it up. Within the next 72 hours they said the vehicle was totaled and they would not pick it up and that I was liable for the amount. But, I had already paid over the amount for that vehicle and It was not totaled it was still fully functional.
I have a business account that is showing on my personal credit - it should not be reporting on my personal report and if it was going to be, someone should have sent to me what I believe is known as a dunning letter so that i can have the opportunity to address the information, edit, acknowledge or correct.
I have had this business account for quite sometime and it was never reporting on my personal report and now ironically it is, plus it is reporting inaccurate information.
For the record when a consumer uses business credit it has a totally different standard -- for example you are not penalized for using the credit, therefore if It had ever been reporting on my personal credit, or disclosed that it may be, I would have never used more than 40 % of the credit so that my credit score would not be impacted. This is unfair and is causing me great harm this account has caused my credit score to be impacted in a very negative way. Ihave never been late on this account and it is showing late and a higher than what is acceptable for personal credit and there is no way to differentiate between personal and business credit on a personal credit profile, and as i said earlier I was never notified of the addition. And anyone who knows me, know that i am  XXXX  about my credit and work very dilligently to pay everything on time and within the guidelines so that my score is never impacted negatively.
I am a Victim of ID Theft and I am very concerned with XXXX and knowing that I filled a police report about all of the inquiries that XXXX  allowed on my credit file, over 100 inquiries that interfered with my credit file and companies requesting my information. I sent a police report before to XXXX and my score is the lowest with this company. It is around XXXX and I want to know why, I am asking for my credit file to be updated and investigated and my credit file adjusted.
XX/XX/2017 The company Checkr is submitting a background report that is not accurate and they have done this numerous times. I have contacted them through e-mail and phone to try to correct the matter and they will not fix it. They are reporting that there are restrictions on my drivers license and this is stopping me from being able to rent a vehicle for work. There are no restrictions on my drivers license. Please help me get this resolved.
I am a rush can d prepaid debit card member. I have been effected like many others. But this has been a month that they have not be able to get my account correct. I have gotten my lights cut off, gas, had to pay late fees on my rent due to not being able to access my funds to pay my bills. This has been stressful, upsetting. I need results from this company. I live pay check to pay check I 'm not rich.
At the time of this I went to school at XXXX University and XXXX Ohio and during this time I was joining the XXXX my professor call me out in front of the class because my hair was XXXX and remove me from the class and told me never to show my face at the school again I was harassed and humiliated and the dean would not help me at all therefore I want to fight against this Federal Loan
I opened my home loan in  XX/XX/XXXX , and it has been sold twice since then. The most recent owner of my home lone is DiTech Financial. Since Ditech took over my loan, they have LOST my payments TWICE and had to go deep into their system to retrieve my money.
NOW they have a new scam - they have diverted a portion of my payment to an " escrow '' account. I have NEVER made escrow payments through Ditech. I manage my property tax and insurance ON MY OWN and therefore have NEVER needed an escrow account on my mortgage. This is a NEW SCAM orchestrated by Ditech to steal money from me each month, hoping that I would not notice.
The illegal charge was made on my most recent payment on  XX/XX/XXXX , with an amount of {$100.00} being funneled into their backchannel " escrow '' account.
In reference to CNAC-TX XXXX # XXXX account. 

This is my FIFTH REQUEST asking you to remove the unverified account. I have disputed this account several times online and in writing with no resolution. This account still remains on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? 
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed account which means that you have NOT verified or you can not verify this account and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
After contacting Wells Fargo to obtain some information about the loan ( insurance payments, escrow payments, tax payments ). 
The fallowing month my escrow account was emptied of XXXX ; and my payment went up XXXX a month with No increase in taxes, and a XXXX ( XXXX ) a year increase in insurance. 
I have contacted Wells Fargo numerous times and was given different explanations three times by XXXX XXXX. 
I finally received a letter that did nothing but show the increase with no explanation for the cause of such a substantial increase in my monthly mortgage. 
I have yet to receive any letter showing why Wells Fargo emptied the escrow account
On or about XXXX 2013 I applied for a loan modification through XXXX for Wells Fargo Bank. At the beginning of XXXX 2013 I received a call from Wells Fargo from their representative XXXX XXXX Home Preservation Specialist. Ten minutes later I received a call from XXXX XXXX of WFB stating she had not read the approval entirely, and all ( XXXX ) XXXX panelist did not sign off on the approval, therefore, I am denied. I took the denial and the NPV to XXXX XXXX who reviewed it and found numerous errors, beginning with my loan having deferred interest almost 100 %. Additionally they took issue with the denial Wells Fargo issued on XXXX XXXX, 2013, Wells Fargo stated that the proposed modified monthly would be more than 42 % of my monthly gross income. Listed on the NPV my income was listed at {$2700.00} a month, 31 % of the income is {$850.00}. Using my unpaid principal balance of {$250000.00} my HAMP payment would be {$810.00}. 
I believe because I was ignorant of Wells Fargo numerous and different ways they chooseto review borrowers for HAMP, I got railroaded. Wells Fargo offered me to pay my past due in 6 months, it was only XXXX payments past due.
To Whom It May Concern : I am writing this email to detail my unfortunate incident with your bank. I had an active checking account with your bank for about 3.5 years until XX/XX/XXXX. My account was used to directly deposit my paycheck. I received an email from Wells Fargo on XX/XX/XXXX that stated that my account had been closed due to inactivity. There was never any warning or correspondence with me prior to this happening, so it was a total shock and surprise. To further complicate matters, I was to be paid from my job on XX/XX/XXXX via direct deposit. I did visit the local branch to investigate further and was treated with a great deal of indifference. I was told that the closing of my account was due to inactivity during the month of XXXX and a XXXX cent overdraft. I explained that I am a XXXX XXXX and that there is always very little activity on my account in late XX/XX/XXXX and XX/XX/XXXX because we do not get paid in the summer.
My paycheck is now floating in cyberspace because of your bank 's actions. I am completely dissatisfied with Wells Fargo and will never again do business with you. I was treated in such a disrespectful manner and there seemed to be no recourse for the problem of closing a customer 's account without prior notification. If there is any legal recourse, I will definitely consider using it.
I filed a complaint with Wells Fargo about fraud occurring on my banking account, I then filed a police report about the situation with the police office of where I currently live. I called the bank and they told me I will not be getting my money back on this. These actions occurred on XXXX XXXX.
In XXXX 2016, Citibank advertised a promotion that if you open a new consumer checking account in either the XXXX or Citibank account package by XXXX/XXXX/16, make a qualifying deposit of {$15000.00} or more within 30 days of account opening and also maintain a minimum balance of {$15000.00} for 30 consecutive days, you would receive a cash bonus of {$400.00}. It is now XXXX XXXX, 2016 and no credit has been made to my checking account. Here are the inquiries I made : XXXX/XXXX/2016 : I have contacted them and opened an investigation on XXXX/XXXX/2016 and received a documented response on XXXX/XXXX/2016 that the account has met the requirements ( qualifying transaction ) as of XXXX/XXXX/2016. I was told that I would receive the credit within 90 days of the qualifying transaction. 
XXXX/XXXX/2016 : When I did not see the cash bonus in my account XXXX/XXXX/2016 ( 90 days after the qualifying transaction ), I contacted Citibank again via online chat on XXXX/XXXX/2016, filed and investigation on XXXX/XXXX/2016. No response. 
XXXX/XXXX/2016 : I contacted the dispute unit on XXXX/XXXX/2016 giving the same response as of XXXX/XXXX/2016 and still no credit on the account. Instead I was told that it would be another investigation XXXX after XXXX/XXXX/2016 response letter. 
These responses and promotion seems very suspicious to me and appears to be deceptive marketing/sales and business practices. There 's no valid reason further investigation if I 've already met the requirements according the fine print in the promotion document and the investigation.
PHH Mortgage charged us via escrow account a monthly amount for unneeded forced place insurance. Upon review of the documents provided by the previous lender, it clearly shows that notification for insurance declaration pages did not arrive to us and instead were returned undeliverable to the lender. Had we known that those pages were required we would have sent them immediately. We have now provided PHH documents that prove that we did indeed have our own insurance during the period in question, but they still refuse to refund us our money. I am requesting to escalate this right away as this misunderstanding was not our fault but PHH fault for not reviewing documents when they bought this loan from XXXX.