WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX is reporting on my credit report that I 'm deliqute when I 'm not that added more m onwy on to my balance
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. 
Being that they have gone past the 30day mark and cant verify this account, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. I have attached document from Court House that they do n't furnish any information to the credit reporting agencies. I have also attached copy of credit report dated XX/XX/2016 results of the dispute for Tax Lien " This item has been updated to report satisfied/released. '' Also, within the 30 day dispute they sent me another copy of my report dated XX/XX/2016 with results that " We have verified that this public record item is reporting correctly. This account was never verified. Please resolve this manner as soon as possible. Thank you
BEING CHARGED LATE FEES AND POSSIBLE CREDIT REPORT PROBLEM DUE TO PROBLEMS IN MORTGAGE SERVICING BY INVESTORS BANK I have a mortgage with Investors Bank that I originated 2 years ago and have been paying on-time every month. I sent in my XX/XX/XXXX payment of {$2800.00} as I always do, via online billpay at my retail bank ( i.e. a check gets cut and mailed to the payee. ) Investors cashed the check on XX/XX/XXXX. Investors apparently had changed my escrow amount at year-end and didn't inform me. They called me on XX/XX/XXXX ( they waited until 3 weeks after cashing my check ; and after the XX/XX/XXXX due date for late fees ) to call me and said that I didn't make my XXXX payment because I was {$58.00} short ( they cashed the check and are holding my {$2800.00} in " unapplied funds ''. The amount of the escrow increase that they didn't let me know about. ) I immediately made a payment for that {$58.00} amount on Friday XX/XX/XXXX on my online billpay while on the phone with the Investors rep and updated my recurring payment amount. They said they would " re-send '' my escrow statement. 
On Monday XX/XX/XXXX, I receive a written statement stating that I owe late fees of {$87.00}. When I called the customer service number at XXXX, they said that the online billpay ( i.e. a written check gets sent to them via US mail ) I sent on Friday would likely not arrive before month-end, and they will report this " nonpayment of mortgage '' onto my credit report. 
Now on Monday afternoon XX/XX/XXXX, I'm trying to find a branch of Investors Bank to run to pay {$58.00} to ensure they get the amount before month-end so that they don't hit my credit report. 

QUESTIONS 1 ) Why did they cash my check, then wait 3 WEEKS to call to let me know it was short, after the mortgage due date, to let me know that I owe {$58.00}?

2 ) Why are they charging {$87.00} for the {$58.00} amount owed ( please note that principal, interest and most of escrow were already received ; this is a shortage in the escrow amount ) 3 ) Why have they cash my check for {$2800.00} and are holding it as " unapplied funds '', rather than applying it to my principal and interest? Do I get anything back for them carrying this money interest-free while charging me {$87.00} to hold onto my money?

3 ) Why didn't they send me proper notice and an escrow statement to let me know that the monthly amount changed?

Escrow amounts change often for folks with mortgages if there is more money needed in the escrow account. The above leads me to believe that Investors is likely doing this to numerous other people who have automatic mortgage payments and escrow amounts change. 

CFPB, please help, this is not fair what they're doing.
Reapted phone calls even after we made an agreement. Sent email and changed agreement. Everyday since XX/XX/2018 until XX/XX/2018. 3 to 4 calls a day. Threatening call and garnished my wages. Gc services agreed with me on one monthly payment and 2 days later changed it something else. They want me to make monthly payments and garnish my wages.
I called XXXX XXXX 's customer service several times on and prior to XX/XX/2017 to get information about repayment options for my student loans. Each time I have called, I asked if it was possible to decrease the amount I pay monthly or establish an income-based repayment plan. Every single time I have called I was told by XXXX XXXX customer service employees that there are no income-based repayment options. XXXX XXXX Customer service representatives have told me that I only have two options. According to XXXX XXXX, I must pay the amount XXXX XXXX sets or I must pay a fee to have my loans go into forbearance. Forbearance allows my loans to accrue interest and the forbearance fee is high. XXXX XXXX 's forbearance option is not a reasonable means of solving my problems. My XXXX XXXX repayment fees are too high every month and XXXX XXXX has refused to provide reasonable repayment options.
I used my debit card to make a large purchase for a laptop on Saturday ( XX/XX/XXXX ). Due to communication, me not understanding the limits on the card we ( the store and I ) agreed to cancel the transaction to get that information sorted. However, during the transaction my card was run through. My account was debited 1200 dollars in less than a minute. Since the daily limit is XXXX ( and I do n't have an extra XXXX floating around to accommodate the bank ) I was unable to make my purchase that day. I could have lived with that but now it is Wednesday and that transaction is still pending. If it had been an emergency I would have been completely stuck. 
I contacted Wells Fargo and they told me i would have to wait 3-5 days. My concern is that there is n't going to be any further communication from the merchant since it is an incomplete transaction. In previous dealings I have seen ligitiment transactions sit for weeks and they have blamed the merchant. Regardless of when or if it clears they should not be able to let transactions sit like that. 
Additional note ... I have been taking screen shots of that transaction daily. Everyday it is in pending the date changes which makes it appear as if it has been there for 1 day. This is deceptive.
XXXX placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request XXXX to remove incorrect information off my credit report. More importantly, XXXX are in violation of FACTA section 623 ( A ) ( 7 ).
I am the equity and title owner of a property in XXXX AZ. 
My son is the one who secured the loan for the property from US Bank home Mortgage. We set up a bank account for US Bank to withdraw the mortgage monthly payments. US Bank withdrew over {$2000.00} extra per month than what we agreed upon I contacted US Bank to resolve the issue but got nowhere, we closed the account, stopped making payment and secured a new loan to refinance. When the title company checked the recorded deed of trust they found mistake in the jurisdiction county. I went to the recorder office to try to correct what I thought is a mistake but discovered that the recorded deed is a forged fabricated document different than the one my son signed and I witnessed. 
US Bank will not produce the original document and scheduled a foreclosure sale, I filled a chapter XXXX Bankruptcy to get US Bank to produce the original documents, but US Bank submitted the forged documents as exhibits in their proof of claim. US Bank believe they are above the law, has no respect for the legal system or the Court.
I have been trying to pay my mortgage to Vitek since mid-XXXX. Because I was over 30 days late, my mortgage company 's automated telephone system would n't allow my to make a payment by phone. I 've tried to pay online, but I 'm not allowed to do that either. Apparently I must speak with a live person to pay my mortgage. However, I have called their customer service number dozens of times and spent anywhere from 5 minutes to 38 minutes on hold each time, and a live person has never come on the line. I have sent three emails asking for assistance and have not received a telephone call back. They have told me via email that someone will call me, but nobody has called me. I have not mailed a check to them because I am attempting to call daily and I do n't wish to accidentally double pay, and I also do not trust this company to apply the payment correctly. They advertise that you may pay your mortgage online or by telephone, but I 've been trying for months and have n't been able to do so. I now owe them four monthly mortgage payments, my credit rating is no doubt destroyed, and I am very concerned they will or have begun foreclosure proceedings, all because their automated online and telephone systems will not accept my payment. Please help me.
Chase suddenly charged us a {$20.00} service fee for our checking account. We have had this checking account for 10 years. When called and questioned, a Chase representative finally advised that we will be charged a service charge since we paid off our mortgage.
I have so many with a lot of dates starting back from XX/XX/XXXX till XX/XX/XXXX
On XXXX XXXX, XXXX, borrower contacted debt collector and acknowledged settlement offer from loan originator, Navient. Debt collector verbally denied borrower the right to settle referencing no knowledge of the agreement with loan originator. Furthermore, debt collector advised borrower that balance of {$8000.00} was different than balance of {$13000.00} loan originator was reporting to borrower 's credit reports. Debt collector also advised borrower that per the agreement reached in XXXX, there was no interest on the account. 

On the same day, borrower reached out to loan originator, and inquired about difference in balances, and debt collectors refusal to draft settlement agreement. Loan originator sent inquiry to Loan originator 's office of consumer advocate for review and response. Per loan originator, the debt collector had not communicated that they had committed to a repayment agreement with borrower, and therefore, Navient was reporting information incorrectly to credit bureau for a number of years. 

During the period of XXXX XXXX to XXXX XXXX, XXXX, borrower has contacted loan Navient, and XXXX, XXXX XXXX XXXX on a daily basis. Both parties seem to disagree on responsibilities of fair debt collection reporting, balances, settlement drafting, etc. XXXX, XXXX XXXX XXXX has informed borrower that account is not in collections proceedings due to the numerous errors, and they are in a holding pattern waiting for confirmation before collection action resumes. Borrower has, on numerous occasions, often daily, offered to make payment and or settlement in exchange for fair credit reporting from both parties. Both parties have remained in holding pattern, and improper balances, account status, and payment information has been reported to borrower 's credit account, thus harming credit standing, and civil liberties in regards to financing a home, available credit, consolidation, etc.
To Whom It may concern, I XXXX and XXXX XXXX, would like to formally complain about my mortgage servicer Select Porfolio Services. I submitted my complete application for mortgage assistance about 3 months. I keep following up and I speak to many people seems that no one knows whats going on. They've been give me the run around transferring me all over the place. Finally today, they told me theres no time to review and that I hand a sale date set for XX/XX/2018. As you can see, I've been bounced around given wrong information not just by rep but by managers. They then said that my case was handled wrong and that he was sorry but that my house will go for sale. I explain that I have a family and that we are going to be in the street but he did show any sympathy towards my situation. I stated to him that I do not want to lose my home that's all we have and that I will be thrown out with my family and no place to stay he he did not care I felt very discriminated at that point. I don't understand why they would ignore my application all this time and they waited to get close to a sale date to tell me they didn't review my application. I ask why is he treating me like that I don't deserve to be treated fair like everyone else its clear to me that you are discriminating me he disconnected the call and left me with words on my mouth. They are not even allowing me to appeal. All I'm asking is a fair review and for my sale date be postponed so they can get a chance to review my package and review my current situation with and to stop discriminating me. If this does not go anywhere I am going to seek legal advice to see if I can sue my mortgage company. I give permission for Consumer Financial protection Bureau to speak on my behalf and get to the bottom of this I am scare to call my own mortgage servicer now.Please, help me I do not want to be thrown out on the street with my family. Yours truly, XXXX and XXXX XXXX
Experian refuses to remove XXXX XXXX XXXX from credit report. XXXX XXXX XXXX sold our lien during chapter XXXX Bankruptcy to XXXX lending who became XXXX XXXX loans. When XXXX XXXX XXXX sold the loan they sold all rights as the obligator of the loan. At that point the payments were made to the new lien holder. Had we defaulted the new lien holder would have acquired the loan as the new lien holder received the discharge by being the registered party with the trustees office at time of discharge. By law XXXX XXXX XXXX transferred the rights to the lien and discharge just as when XXXX XXXX XXXX obtained XXXX home loans XXXX stopped reporting our good credit with them and as XXXX XXXX loans acquired XXXX lending the information. About XXXX disappeared. When XXXX purchase the liability of the loan XXXX XXXX XXXX was no longer involved in the bankruptcy. XXXX XXXX XXXX need to be removed because two collectors can not lay claim to the same lien amount for the same obligate. When the trustee awarded the discharge it was to the lien holder at the time of discharge. When XXXX XXXX XXXX optioned the bankruptcy court for approval to sell the lien the rendered their right to the Discharge.
The refuse to follow The social security act that states that i am not responsible for the debt as I had Medicaid at the time of the bill.
We need the following information. 
Affadavit 's were filed by XXXX CitiMortgage a.k.a. Citibank 's Vice President. " Representatives ''. However, there is no County or state seal as to the whereabouts the documents were signed and attested too. Please provide the appropriate State , County and Location for XXXX XXXX XXXX and a XXXX XXXX XXXX XXXX, and XXXX XXXX. 
Are the Citi representative 's above located at the XXXX Branch? XXXX Branch in XXXX Coiunty? XXXX Branch? XXXX Branch? 
Thank you for your prompt response to this matter.
On XX/XX/XXXX I sent a dispute ( CFPB # XXXX ) to XXXX XXXX XXXX XXXX regarding 30 day lates reporting in error. The investigation took longer than the 30 days permitted by the FCRA. The investigation did not conclude until XX/XX/XXXX. 

The reporting by XXXX XXXX XXXX account # XXXX ( see attached Credit Report ) must be immediately deleted and permanently removed from my credit report.
I have disputed with the credit burea regarding an inaccurate public record ( Bankruptcy ) being reported on my credit report. I never file for bankruptcy. I contact the BK courthouse, and they agree, they do not report to the credit agencies, and they are not responsible for inaccurate records being held at third party companies. I have also sent a copy of my dispute letter to the Transunion XXXX XXXX CEO. I never filed bankruptcy and Transunion is in violation of the Fair Credit Reporting Act 623 ( a ) ( 3 ) My next step is to file suite against Transunion, they have never verified and validated with the BK courthouse, like they claim, I know this, because the BK court house does n't communicate to the credit bureaus. They are getting information from thrid parties, which there information most of the time is not accurate.
I have contacted XXXX XXXX XXXX XXXX on several dates over the course of 3 years. This past month, I contacted them on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ; then, I contacted them on XXXX XXXX and XXXX to discuss the issue. I explained to them that my mortgage account is not on my credit file with Transunion. After speaking with Transunion, the representative informed me that XXXX XXXX XXXX XXXX will have to call them directly about my financials on my account and request a reincert. I explained this to them and they keep telling me it 's already reporting instead of trying to take care of the issue.
I have no knowledge of debt and gave m upon notification I have informed collector that account does not belong to me several times
There was a check I received from XXXX XXXX XXXX, whom I assume was legit. I deposited into my Bank of America account. The check was never used nor was really deposited into the account. I soon fined out it was a scam and I tried to resolve the issue with them and they have not helped me I have been fighting this and have gotten no where. The check was a scam.
After i graduated XXXX I attempt to find employment in the my field of study, but was un successful. I found employment else where, but I was laid off ( XX/XX/XXXX ) thru a site closure for XXXX. During my employment i struggled to make my Loan payments, but i managed. I obtained employment in XXXX making a only {$XXXX} a year, which is a decrease in pay. In addition, I need to commute XXXX hours XXXX way to my new employment. Which has cause a large expense in gas. With all this i still unable to pay the current payments the offered to me by Navient. They are very rude when they call me and just insist I need just pay the loan. I would be more than happy to if i was able to find employment that would pay what i expected when i went to school. I currently owe {$240000.00} in all my student loan. I wish i would have never went to school. The promises and dreams they set forth in the finance office of the school seems realistic. So, at the time I did not have a doubt i would not be able to pay this off after college. Making only {$XXXX} and owing a house ( {$240000.00} ) is putting a strain on my health, as i stress over this daily and the constant calls do not help. No matter what amount i pay monthly i will never pay this off and will die still owing an education I will never be able to use. I am asking please help me forgive the interest on all my loans and have my payment be applied to my principle balance and lower a payment i can afford. I am very desperate they other thing for me to be homeless and without food, to pay the loans ( which the balances never will go down ). PLEASE HELP! ASAP! Thank you in advance.
Inquiries from indentity theft and they refuse to remove with clearly they notice and recognize my situation please help me just the them removed.the company is transunion and XXXX
On XXXX XXXX, 2015 i had reserved a vehicle from XXXX XXXX XXXX for a wedding. To reserve the vehicle i had to provide a debt card along with D/L information. I authorized XXXX XXXX XXXX to charge me for the amount of {$200.00} that was for the deposit for booking the vehicles. Next day we noticed XXXX additional charges for {$74.00} and the following day another XXXX additional charges for {$220.00} and another XXXX for {$100.00} on the same day and these charges were NOT authorized or notified of. Since it was a weekend we were unable to get in touch with bank of america because they have certain working hours and are closed on weekends, with no customer service on weekends what so ever. The following Monday we called Bank Of America to dispute the charges made to my account. They told me that they will reverse the charges and do a investigation on the matter. On XXXX XXXX, 2015 we received a report from Bank of America with all the backups and stating that there were no errors in those transactions and rejected our request for the dispute. When reviewing the transactions which we know that we did not authorize any of them. We noticed that the documents submitted by XXXX XXXX XXXX that summarizes the job for the day had a forged signature on the document. We tried to get into contact with Bank of America to notify them that the signatures were forged and that we did not authorize the charges and bank of america insisted that the signatures are ok and that the transactions are true. We again explained to Bank of America that the charges are not true and we did not authorize them. After going back and forth with bank of america for about a week being passed to different representatives we reopened the dispute and sent a rebuttal documents. After a few days of waiting for Bank of America to contact me, i called to get a status on the issue. Bank of america again stated that they will be rejecting the dispute and that there is nothing they can do about the issue. I requested to speak with the investigator that was taking care of my dispute to clarify the errors. Until now XXXX/XXXX/2015 i still have not heard back from bank of america regarding my dispute. On XXXX XXXX, 2015 there were XXXX un-authorized charges for {$220.00}, {$100.00}, and {$100.00}. On XXXX XXXX, 2015 there were XXXX more unauthorized charges for {$74.00} and another {$74.00}. The total amount is {$570.00} that was taken from my account by Bank Of America without my authorization and agreement.
RoundPoint Mortgage Servicing Corp was servicing my mortgage for my condo. In XX/XX/XXXX they decided that I needed to have an Escrow account set up by them and a they also set up forced hazard insurance, even though I already had hazard insurance through my association. Beginning XX/XX/XXXX they billed me for an addition $ XXXX/month on top of my mortgage. I chose to refinance and get rid of them because they were not working with me and after having shown them proof of Hazard insurance they still wanted to force their policy on me. At the time of the refinance they set up an overdraft on my account and paid themselves {$2900.00} for the force placed insurance. I have received " Notice of Forced Placed Insurance Cancellation '' from RoundPoint, stating that " there was no lapse in coverage '', and a statement saying that " the full reimbursement for the force placed policy will be credited to your account ''. The overdraft was debited back in XXXX, I have called Roundpoint and asked for my money back and they have no response for where the money they took went. On XXXX XXXX, I called their customer service department for a fourth time and spoke to a supervisor named XXXX ( ID : XXXX ) and he said he would call me the next day with a response. I called exactly a week later to ask why he did not call and to ask if they had found the money. This time he refused to talk to me and said it was being " researched ''. I have felt manipulated, lied to and stolen from by this company.