WillisBack/dataset-financial-user-claim huggingface dataset:
A bi-weekly payment plan was initiated for my mortgage with Bank of America. I was told that when the amount of a full payment was received it would be applied to my account on the date received. In review of my account all funds would sit as a " available balance '' until XX/XX/XXXX and then be applied. I have been over charged for interest on my loan and my payments have not been applied properly. In addition my mortgage account was paid XXXX full month in advance prior to entering the biweekly payment plan. I will use XX/XX/XXXX as an example : ( Please note that no payment is due on my account until XX/XX/XXXX in this example because i have already payed in advance ) XXXX/XXXX/XXXX first biweekly draft in XX/XX/XXXX occurs XXXX/XXXX/XXXX second biweekly draft occurs. On this date the full mortgage payment is available and in the banks possession. 
XXXX/XXXX/XXXX a third biweekly payment is deducted from my checking account XXXX/XXXX/XXXX funds are applied to the account with a posting date of XXXX/XXXX/XXXX Every month my payments sit as an available balance and do not get applied until the next month.
I took out a loan with advance financial under the impression that I was taking out a signature loan only to find out later I was put into a loan that would never pay off. The terms of the loan were not fully disclosed to me. I feel that full disclosure was not given to me
I has been a problem with quicken since we started the mortgage with our escrow payments. They analyzed my escrow account within 2 months of my loan started and they said because we live in the south they were doing us a favor so we would not lose our home to forclosure. As a real estate agent I 'm fully aware on how escrow account are done. It has been more tha n four y ears and still problems with my escrow. Today I received a bill for  XXXX  mortgage payments when my payment had already cleared my bank. They seem not to be working in a matter that is in compliance with the law and also very discriminatory comments on there service advisor part when I asked to speak to a supervisor none were able to answer my questions.
Wells Fargo Dealer Services has refused to comply with the federal guidelines and regulations dealing with the accuracy of my account information. Starting in XX/XX/XXXX they have inaccurately reported late payments to Credit Reporting Agencies which I 'd like corrected, as I have never missed a payment on the auto loan. To date my credit report shows that I have a total of 30 late payments which has an extremely negative impact on my credit score ( 58 % to be exact ) which is preventing me from purchasing a home at a decent interest rate among other things. 

On XX/XX/XXXX I attempted to resolve this issue by disputing Wells Fargo Dealer Services ' error with XXXX, however the only " correction '' Wells Fargo Dealer Services made to update my latest payment status from 60-89 days past due to 30-59 days past due as well as remove the late fees. However that 's not enough, as I need the late payments reflected on my credit file to also be removed as soon as possible. Oddly enough, Wells Fargo Dealer Services submitted documentation to XXXX to reflect I 've never had a past due balance, but somehow neither XXXX or Wells Fargo Dealer Services corrected the error on my credit file showing 30 past due payments. Again, Wells Fargo Dealer Services confirmed ( in writing ) that I 've never had a past due balance, but my credit file is still incorrect. I supplied XXXX with all payments I 've made to Wells Fargo Dealer Services starting in XX/XX/XXXX, as that was as far back as XXXX would allow me to go using their online services. However the evidence I submitted was sufficient considering my dispute does n't claim inaccurate reporting until XX/XX/XXXX. My credit file should not reflect any late payments from Wells Fargo Dealer Services. I do not have any accounts in collections and do n't have any accounts to reflect late payments with the exception of Wells Fargo Dealer Services. I attempted to resolve this issue directly with Wells Fargo Dealer Services, however the only response I received was a letter confirming that they 'd received my inquiry. I need my credit report to accurately reflect that I am and have ALWAYS been current on this account as soon as possible and would appreciate your assistance in getting this resolved. 

I have attached a copy of my online dispute to XXXX which includes my bank statements reflecting my payment history with Wells Fargo, I 've also attached the XXXX online dispute findings which state in part " We have researched the credit account. Account # XXXX The results are : The balance of this item has been updated. This account has been updated. The prior paying history on this account has been updated. " ... However the payment history has NOT been updated to reflect that I 've never been late on or missed a payment. I just need this resolved and I need Wells Fargo Dealer Services to simply stop inaccurate reporting.
Dear CFPB, This is my second time submitting this information. After about XXXX months of dealing with ID theft I had requested removal of the fraud alert on the Experian file and enclosed all the required documents, which Experian indicated were needed as described in their original correspondence with me when the alert was put on the file. I received an acknowledgment in the mail but they placed and additional 90 day alert which is exactly opposite to that which I had legally request. I 'm attaching the documents which were provided and request for the fourth time that they remove the alert. Do I need to ask a federal judge to make them listen?
I have made numerous attempts to obtain a verification of mortgage ( VOM ) from my lender Seterus , Inc . I need this information so that I can refinance the loan. This loan was dismissed in a bankruptcy proceeding but is still being serviced by a Seterus who calls themselves a " debt collector ''. They are apparently not allowed to send me a mortgage statement but state they have a lien on the property? I have continued to make payments on this loan but would like to refinance it so that I can begin to rebuild my credit and take advantage of the lower interest rates. 
The bank that I am working with has already approved a loan for refinancing. They have been trying to assist me in obtaining this last piece of information which is required in order to make the refinance file complete. Both the bank and I have called Seterus numerous times and each time they say the document was requested and no request can be expedited so each subsequent request will take up to 7 days. We have been trying to get the VOM since XXXX and it is now XXXX XXXX, 2015 and still no document has been faxed or mailed and we have been told they do not email documents. I am not sure what is happening but at this point Seterus is either intentially not providing this information or they are truly grossly incompetent.
This company does not have a surety bond in the state of Texas to collect this debt. Therefore, they are in violation of this state 's law, which is Sec 392.101 of the Texas Finance Code.

I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards
America 's Car-Mart is a used car franchise headquartered in XXXX, AR and operating in XXXX states. They are a publicly traded ( symbol CRMT ) version of the " tote the note '' car lots of old and as such, they participate in a variety of shady and/or outright dishonest practices. 

Car-Mart currently has a promotion that claims you can buy a car for " {$100.00} down '' with signs on the road, signs on the cars, and a sign on the front of the store. But once you go in to inquire about it you find that it actually only applies to a small percentage of the cars they have in stock. And later, you find that it is n't actually {$100.00} down. It is {$100.00} OF the down and you still owe the rest on top of the payments. 

I picked out a car which they said was included in the program - a XXXX Mercury Grand Marquis. And what I found was that once you go inside to actually do the paperwork, the deal changes to, you pay {$100.00} of the down payment and still owe the rest ( in this case, about {$1600.00} ) which they finance on top of your weekly or monthly payment. The result is that you 're buying a car worth maybe {$5000.00} ( per the actual condition ), and you 're paying over {$8000.00} and it is n't {$100.00} down. It is {$100.00} OF THE down which results in payments of almost {$500.00} a month for the couple of months, a lump sum of the rest of the down payment ( in this case, {$690.00} ) and then regular payments of {$180.00} twice a month. If that is n't bad enough the car I pursued had XXXX mismatched tires, XXXX of which looked like they could blow out any day. 

I have a copy of the promotional material which states the terms, a copy of the proposed contract which shows the real terms, and the XXXX XXXX XXXX report which shows the actual value of this particular car.
I relentlessly have been trying to get " XXXX XXXX '' to update my account to the 3 Credit Bureaus. I was in a car accident XX/XX/XXXX. My vehicle was totaled. I had proper car insurance with XXXX and I also had XXXX insurance that I purchased when I first financed the vehicle. XXXX and the XXXX insurance took care of the amount left that was owed on the vehicle. I only had ONE payment left to pay and that was the pay-off amount ( {$440.00} ). I paid that amount. When I finally was ready to go shopping for a new car ; they pulled my credit report and it shows that " XXXX XXXX '' has not updated my credit report since XX/XX/XXXX ( way before my car accident ) and it 's showing that I still owe on the vehicle and that I have late payments! I need for " XXXX XXXX XXXX '' to update my account with the 3 credit-bureaus already. When the insurance companies did their part and I made my last payment they immediately closed my account because obviously we were done doing business ; but they have not updated my account. This is not fair and it is a burden on me because I am a XXXX old living with XXXX and I 'm unable to get another car at the moment because " XXXX XXXX XXXX '' is affecting my credit score. I have to XXXX to work and XXXX which I receive three times a week while I am waiting on a XXXX XXXX. Having to continually push off getting another vehicle is frustrating, especially when my account is PAID OFF and I owe nothing. I need help resolving this problem.
Experian claims they 're reporting accurate information on my credit report. I sent a request to the data furnisher but the address on file is inaccurate. When I sent them a letter to get further information from them it was returned to me. Please remove the account from my report at once.
I was charged two amounts from XXXX, XXXX and XXXX respectively. I did not complete these purchases, nor did I receive the bitcoin that it was made for. The bitcoin was immediately transferred out with the notes attached to it. The first purchase was XX/XX/2018 for {$500.00} worth of bitcoin, it was sent minus later to an address with the note attached reading " hey dirk ''. The second as XX/XX/2018 fo {$400.00}, and again was sent almost immediately out of coinable to someplace unknown with the not attached " XXXX ''. All previous transactions I have made do not include any note. Also at the time the purchases were made I had positive control of my phone, and my laptop. My laptop account can only be accessed with 2-factor authentication via my phone, and my phone was on me at the time of the purchases. Accessing my phone account requires my fingerprint and then a pin to do any purchases. I have contacted XXXX and received no response. 

I was then later charged the same amounts again, on XX/XX/2018, both {$500.00} and {$400.00}, which triggered my low balance alert on my account and brought the entire fraudulent charges issue to my attention. These two have since been refunded, but the original purchases hav still not been.
GM erroneously applied my XXXX 2015 payment to someone else 's account. GM has assured me this has been corrected, however my credit report indicates it still is not. Credit report should show closed/NEVER LATE on y XXXX Credit Report.
Hello, i was charged an overdraft fee of {$35.00} for a transaction of {$11.00}. I spoke with a customer service representative and a manager over the phone. They said you already had 2 fees waived since i opened the account, that is probably 4 months or so. But as i told them chase never charged fees if the transactions were under a certain amount. The manager denied and said the fee will stay. Im a middle class person, living by paycheck to paycheck. I cant afford to pay {$35.00} for {$11.00}. Please assist.
I tried to contact the company to dispute the debt on my credit report. But it wouldn't allow me. Kept showing error, On my XXXX, XX/XX/XXXX, {$91.00}, XXXX XXXX. XXXX XXXX XXXX. This is not my debt. And I haven't been to emergency since XX/XX/XXXX.
Note For CFPB rep : Although this complaint is the same as a prior complaint, I am including new information for Equifax. Due to the fact that Equifax is not required to respond to a Disputed CFPB case and the dispute does not allow for the upload of additional information I ask that you please process this as a new CFPB complaint. Thank You. 

For Equifax : On XXXX/XXXX/2015 I submitted a CFPB complaint with Equifax, hoping it would lead to an " Executive Investigation '' rather than the typical investigation submitted through their regular channel as it is highly ineffective. My hope when submitting this " Executive Complaint '' was that I would be connected with a direct equifax case agent who would actually do their homework, and call the creditor in order to verify the claim that I made was accurate and correct my information as required by the FCRA. Unfortunately this was too much to ask for from equifax as equifax did the exact same thing they did when I submitted a complaint through the regular channel, absolutely nothing. In fact it was worse than nothing. Instead of verifying my claim with the creditor, they instead chose to take time out of their day to respond to my complaint by accusing me of making up false data and submitting unusable documentation from " Some Law Firm '' as they put it in their response. Equifax also incorrectly stated my balance as being {$24000.00} when it is in reality {$0.00}. If they would have called either " XXXX '' at ( XXXX ) XXXX or " The Law Office Of XXXX XXXX '' at ( XXXX ) XXXX They would have seen that it was not a made up document, but a verifiable legal document issued by the attorney representing the creditor. Since picking up the phone is apparently too much work for equifax, I took the liberty of doing their homework for them. I have attached a document written by XXXX. XXXX XXXX, XXXX of the Student Loan Program for the New Jersey XXXX ( the Creditor ) stating that the loan has been paid off in full. I have also attached a previous document from XXXX which states the specific reason the payoff amount is higher than the amount listed with equifax which is the reason i 'm assuming is the direct cause of equifax taking the stance that the attorney payoff letter is not a " valid '' document. ( equifax 's credit record does not account for the attorney fees. ) If equifax wishes to verify the information for themself. They can contact XXXX at XXXX or contact XXXX at ( XXXX ) XXXX ( which is the number listed on XXXX 's webite ) and ask to be transferred to XXXX XXXX to verify the information I am reporting is correct. 
I just checked my credit report with Equifax last week, and they are again incorrectly reporting that I paid {$0.00} for the month of XXXX 2015. 
I have the documentation for a small claims lawsuit filled out for the amount of {$1000.00} in full at this point in time. If equifax chooses to respond with anything other than " We have contacted XXXX and have corrected the information accordingly '' I will be sending out the lawsuit and will gladly collect the {$1000.00}.
haave been attempting to get my lender Bank of America to resolve an issue regarding the declination on my part of a loan modification for over seven months now. I explained to them that I did not wish the loan and not to set up an escrow account for me and they did so anyway against my wishes. At this point ( as of XXXX/XXXX/17 ) approximately they have finally escalated this and claim it will be resolved soon but no word as of today XXXX/XXXX/17 I want all late fees reversed and this completed immediately
TD Bank charged me a XXXX XXXX dollar overdraft fee over pending transactions. Transactions that were not completed yet. They said I was not eligible for a refund. I am not working and need every penny
I have been served with an income execution from XXXX XXXX sheriff concerning a judgement supposedly filed XXXX. It is from an attorney representing Midland Funding , LLC. I have never received a judgement for this. I have written a letter to them requesting a copy of the judgement today. Also, they have taken and amount of {$9800.00} from XXXX XXXX, 2007 and now say the amount owed is {$19000.00}. How can this be? There is no record of a judgement on my credit report either. What do I do?
I have contacted all three credit bureaus regarding inquires and other information on my credit report. There are wrong addresses and accounts that are not mine, along with other wrong details. The credit bureaus refuse to comply with the FTC  laws about credit reporting. On or around XX/XX/18 another attempt to resolve this matter was ignored by each credit bureau. I have tried for years to get this resolved with no success. My credit report has been abused by the credit bureaus and I want this to stop!
Ive requested that XXXX stop reporting information to my credit report for accounts that I am not liable for. I have never held an account with XXXX XXXX XXXX If XXXX holds paperwork from previous loans listed below, that information should be provided, showing a complete assignment of the debt from the original creditor. 

XXXX XXXX bought and securitized student loans. These securitized notes were then sold to debt investors. XXXX XXXX then hired XXXX to pursue debtors for collecting what they considered to be outstanding debts. 

Federal laws mandate collectors to possess the documents that prove debts they want to collect are indeed owned by the people they 're pursuing. Over 2,000 collections lawsuits that were filed on behalf of the trusts were in violation of the laws. 
In these lawsuits, the trusts do not have or can not find the documentation necessary to prove either that they own the loans or that the consumer owed the debt. 

Valid affidavits must be signed by a witness with personal knowledge of the consumers account records. But such affidavits dont exist for any of these lawsuits. XXXX employees completed and notarized sworn legal documents for lawsuits brought on behalf of the trusts. 

XXXX XXXX also filed at least 486 collections lawsuits after the statute of limitations had expired, including one against myself in Florida and due to the judges lack of knowledge regarding the private loan process, I decided to settle with the company for {$19000.00} to end all communication and put this behind me. Although, XXXX does not legally possess any debt owed by me. 

If there is a class-action lawsuit to help those negatively impacted by XXXX XXXX and its debt collector, XXXX XXXX, who sued thousands of students by relying on false or misleading legal documents and could n't prove that those being sued were the actual owners of the loans in dispute I would like to be included, compensated for damages, and have the following XXXX/XXXX accounts removed from my credit report : XXXXChase Bank account number XXXX. 
XXXX/XXXX - account number XXXX. 
XXXX/XXXX - account number XXXX.
I'am complaint about Green Tree Servicing LLC out of XXXX, AZ XXXX add a bad report of XXXX onto my credit report also why I have not receiving a offer before Green Tree placed this on my credit report. This has cause harm to my credit in a unfair way of conducting business
I opened an auto lo an wit h BBVA Compass Bank i n  XX/XX/XXXX of this  year. My first payment of {$770.00} was applied without issue.  <P/> However, my payment due o n  XX/XX/XXXX  ne ver cleared the  BBVA backen d and the loan went unpaid. On   XX/XX/XXXX ,  BBVA assessed a {$38.00} late fee on the account. After numerous phone calls and online messages, I approached  a manager at a BBVA B ranch office in  XXXX , AZ. I was informed that the payment processing system was " experiencing technical difficulties '' and that is why my payment did not clear. I resubmitted my payment at th e Branch teller window via debit for {$770.00} which posted to my account within 24 hours. I was also informed th at the {$38.00} fee would be reversed.  <P/>  On XX/XX/XXXX , I scheduled my payment ( {$770.00} ) t hrough my online account. As of   XX/XX/XXXX  a t  XXXX  Arizona local time, that payment has yet to be posted to my checking account at  XXXX , no record of the payment exists on    XXXX   XXXX    end. Also, as of the same date and time, the {$38.00} fee has still yet to be reversed.  <P/> I am concerned that  BBVA 's r epeated inability to process payments in a timely fashion ( if at all ) will result in negative reports being published to my credit report, and my account falling into a delinquent status ( neither of which I have EVER had happen ). This would tarnish an impeccable credit report over an issue that is out of my control.