WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX   XXXX ,    2017  Consumer Financial Protection Bureau   XXXX   XXXX     XXXX    XXXX    XXXX , IA  XXXX   RE  : Complaint Against   XXXX   XXXX   and all  XXXX  major credit bureaus To Whom It May Concern : I have requested from the creditor   XXXX   XXXX   and the  XXXX  major credit bureaus to update my credit report to reflect the correct beginning balance and that the account was paid in full, on a 90 days same as cash transaction. The response was that the creditor verified that the information was reported accurately.     I purchased  a sofa with ottoman f rom  XXXX   XXXX   XXXX  and entered into a financial transaction with   XXXX   XXXX   with the intentions on paying off the remaining balance, after an initial down payment, within 90 days ( Same As Cash ). Not only did I pay off the balance in full, I paid it off in 60 days instead  of 90.  I also have a Certificate of Ownership and a receipt from  XXXX    XXXX    that certifies that I own the  sofa and ottoman o utright.     From the beginning, it appears that  XXXX   XXXX  assumed that I wouldnt pay off the merchandise within 90 days so, they reported to the credit bureaus that my beginning balance was over {$2100.00} and the current balance is showing as over {$1800.00}  (  Please see uploaded documentation from my Experian credit report ).     The account balance has never been anywhere close to {$2100.00}. I only paid {$710.00} for t he sofa & ottoman before  taxes and delivery fee. I put down over {$200.00} plus taxes and delivery paid to  XXXX   XXXX . I paid the initial, monthly rental payment almost  2  months prior to th e  XX/XX/XXXX  due date then the remaining balance of a little more than {$400.00} on  XX/XX/XXXX . The deadline to payoff the balance on the 90 days same as cash agreement was  XX/XX/XXXX . I   demand that  XXXX   XXXX  report the correct beginning balance and that the account is paid in full on all  XXXX  of my credit bureaus. Its damaging my credit and  credit score  when it appears that I went out and applied for {$2100.00} in credit when in fact, it was only {$710.00} and 90 days same as cash.     Thank you.
XXXX  signed reaffirmation agreement for mortgage ...  XXXX   XXXX .    XXXX  called  XXXX   XXXX  for another reaffirmation agreement. I received it in late  XXXX  and sent it back to them. They said it took long to receive and the debt was now discharged. My bankruptcy papers show where I am reaffirming my mortgage and my car. It 's listed on page  XXXX .    XXXX  asked Equifax to investigate and sent them proof of payments and BK information.
This is dating back XXXX when my home went to foreclosure since then I have attempted to modify my mortgage. Here we are in XXXX and still in this process I have exhausted all my options. Even though back in XXXX I was granted a trial modification that was approved and was instructed to pay for 3 months consecutively and my payments would become permanent. Well that did not happen, file bankruptcy based on counsel to see if modification would be approved and that did not happen. I would like to know do I have a legal right to pursue legal action and sue? Based on the financial institution accepting the assistance from the government/and violating DODD FRANK and HAMP PROGRAMS and not complying and actual assisting the consumers, because I am pretty sure I am not the only one in this situation. I spent thousands of dollars through this ordeal with attorneys where I could have been in a modification program to keep my home. In addition I accepted a short sale and to date two offers have been presented and bank has not responded. I am filing this complaint and will pursue them to the fullest,
XXXX XXXX put collection on my credit for a XXXX 's account. I had insurance with XXXX 's. I lost my job and filed a claim with the insurance. The insurance paid it. I sent for validation from XXXX and they just keep ignoring me and not sending anything, yet they continue t report this error on my credit
I have a checking account with Wells Fargo. Carry large balances in the account. I opened a XXXX XXXX trading account to buy some XXXX. I set it up as a ACH from Wells Fargo checking account in the amount of {$5000.00}. Seven days later, XXXX XXXX sent me an email saying trade was cancelled because XXXX did not honor the ACH. I went into the XXXX branch and they said there was a hold on the account due to a suspicious ATM Card charge. I was never notified that there was a hold on the account. No email, call, nothing. The cancelled trade has cost me over {$5000.00} and i am going to go after the bank. I have been speaking with the branch manager and she has not been helpful. I have asked for proof of the attempt to contact me and have gotten nothing. This is unacceptable. Wells Fargo needs to be responsible for this.
RE : Social Security Number : XXXX While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by your company XXXX XXXX, XXXX. There were a total of ( 21 ) Inquiries made on my XXXX CREDIT REPORT, and a total of ( 17 ) Inquiries made on my XXXX  CREDIT REPORT. Which brings a combined total of ( 38 ) Inquiries ranging, from XX/XX/XXXX to XX/XX/XXXX. Which only 18 seems to be accounted for, since the others were deleted, by XXXX off of my Credit Report. The dates of these unauthorized HARD INQUIRIES are as follow : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

As you know, these were hard Inquiries. Due to your companys lack of security measures, this has caused major injuries to my CREDIT FILE, and CREDIT SCORE.  Not to mention, there was and still is a 7 year Victim Fraud Alert placed on my credit reports. 

I did not authorize anyone employed by your company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 604 ( A ) ( 3 ) and a serious breach of my privacy rights. 

I was formally requesting {$250.00} for each unauthorized inquiry that was made, on my credit file, that caused major injuries to my credit report and credit score. However, I am now asking for {$500.00} for each unauthorized inquiry that was made on my credit report. Also, that these fraudulent inquiries be immediately deleted from my credit report. I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with your company for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should your company not comply. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company, seeking {$1000.00} per violation, under the Fair Credit Reporting Act Section 604 ( A ) ( 3 ) for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Please note that you have 30 days to complete this request and payment to me, as per the Fair Credit Reporting Act section 604 ( A ) ( 3 ).

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Georgia XXXX
I signed up with First Tennessee in the fall of XX/XX/2017. As part of this, if I met the requirements I would receive a {$300.00} bonus using the promotional code XXXX : open an account with at least {$300.00} and have at least one direct deposit post to your account within 60 days of account opening. I met both but they did not honor it, now saying it was for only those targeted by their mailer which was not the case when I signed up.
I just received a letter from Debt Recovery Solutions , LLC DRS account # XXXX stating that I owe {$420.00} and the original creditor is XXXX. They are offering me a settlement of {$270.00}. i have spoken to this company a couple of times in the past and have advised I paid off my XXXX account back in XX/XX/XXXX. After I paid XXXX, I set up another account with them for a XXXX triple play package. In XX/XX/XXXX I hired a company called XXXX XXXX XXXX to assist me with removing items off my credit report that were either incorrect or past the statute of limitations. This was one of the items that was successfully removed. Today, XX/XX/XXXX, I applied for a mortgage and was informed that this debt is on my credit report as of XX/XX/XXXX. S they have again, put this back on my credit report after it was removed and after me telling them several times that I do n't have any past due debts with XXXX. I called and spoke with a gentleman name XXXX and advised him that I do n't owe this debt and that they need to update their records and to please stop harassing me with letters and phone calls. I have blocked their number to avoid getting the phone calls. This is not only stressful, but annoying because these people should not be able to put items back on your credit report after it 's been removed and after being told that the debt is no longer owed. Where 's the protection for the consumer?
Chase bank withdrew {$1800.00} on XXXX/XXXX/2016 without permission and has been giving me the run around in regards to getting it back to me. The issue stems from a cashier 's check that was drawn on my account and subsequently returned ; however, since they decided to just take the money back out, I am now stranded XXXX miles away from my home, with an overdrawn bank account and bills that need to be paid. They have no legal right to my money and they have no cause to act so slowly. It must be noted that the employees at the branch were extra helpful and went above and beyond in assisting me with this issue, but still could not get it resolved. They were told that I had to resolve the issue.
I spoke with a representative from PNC around XX/XX/XXXX or XX/XX/XXXX.  They said that a credit of {$500.00} would be transferred back into the account to compensate us for the confusingly labelled fees to view the images of the checks.The original complaint is XXXX. 

We never received that deposit. We did receive a deposit for {$350.00} but it was not the full amount that they stated on the phone they would make. 

XX/XX/2018 SERVICE CHARGE PERIOD ENDING XXXX XXXX {$350.00} This is disappointing to have to go back and request the full amount. 

What's even worse, we have not viewed any images at all since then. And we received another automatic transfer from our account for {$240.00} XX/XX/2018 SERVICE CHARGE PERIOD ENDING XX/XX/2018 {$240.00} At this point, the CFPB is the only course of action I have to try to remedy this issue and stop these erroneous and expensive charges. I have exhausted all options with the local branch and a top representative from the bank that handles customer service.
It's been since XX/XX/2018 since I've filed a dispute still no response ... account has been charged off and closed this other company bought it out its in collection as opened
I missed a couple of payments and now this company Cash call is sending multiple emails a day threatening to garnish my wages. They haven't even obtained a judgement so I am unsure how they would garnish me. I am willing to pay and have made multiple payments and my balance has not been affected because of the high interest rate. I don't believe that they are following the FDCPA and I want them investigated for threatening their customers
Re LDV File No. XXXX The above referenced firm Lyons , Doughty & Veldhuis falsely filed a court judgement against me in XXXX of 2014. Rather than fight the matter further in court, I agreed to a repayment plan effective XXXX XXXX, 2014. Payments have been made faithfully since that date on a monthly basis, and in some cases two months payments were made. It appears that these payments may have been recorded incorrectly prompting the firm to send me a certified letter ( attached )  indicating that a Notice for Execution Against Wages, which could have possibly resulted in the termination of my employment. Given the gravity of these implications, I felt my XXXX XXXX XXXX and began to immediately feel XXXX XXXX. I was able to gather myself to call LDV and review my payment history with them to which a XXXX . XXXX XXXX was very kind and attempted to calm me down, and told me I had nothing to worry about, then proceeded to force me into a new agreement that would double my monthly payment. I also reiterated that none of this would have happened if they set the account up on an auto deduct from my bank account, however, they said that this could not be done. The matter was unintentionally made worse each time XXXX XXXX referenced a judgement that was still unresolved. At this point the damage that this very threatening letter was already done. I will be heading to a clinic now to have my XXXX XXXX checked or to determine if I need to go to an emergency room.
I formerly had a loan with Ocwen mortgage. They have reported on my credit report that I was 30 days late in making a payment. I have called them multiple times to have it removed ... they do not ... I have been promised calls back ... I have not received any. 
The issue occurred in XX/XX/2015. They had just completed an escrow analysis ... it was incorrect. I had just switched insurance ... they were assessing my escrow account as if I were paying both insurance companies ... I called them to correct it ... and to let them know they actually owed me money. I received the usual run-around from them ... and their call center in XXXX. During the dispute, I called and told them that I was not going to be paying the additional amount because of the faulty escrow analysis ( about {$90.00} per month ) ... because this problem should n't have persisted so long ... and, that they owed me nearly {$2000.00}. Finally, in XX/XX/XXXX everything was resolved ... they sent me a check of nearly {$2000.00} and reduced my payment ... it took several months to rectify. It is almost unbelievable that they are now stating that I was late greater than 30 days ... for {$90.00} ... when they actually owed me {$2000.00} at the time ... and, the fact that they wo n't remove it ... and, I am unable to speak with anyone in this country with authority ... ridiculous ...
Hello We need to get what we were offered and promised! It's a contract! 

The issue here I think can be that the person which I sent a referral to used my original email address when I registered with coinbase almost a year ago, and which I gave to her to register for coinbase, while she didn't have any spare email for that time. So their automated system probably detected duplicate email address which already received a referral offer a year ago. But the person who got a referral has her own name, social security, account number, it's not a duplicate profile! And referral offer was under her name! 

We contacted coinbase many times, they are not willing to help, or even to understand what the issue is and why it's not triggering the referral offer for both of us.
Recently, I noticed that there are several inaccurate names, addresses, employers, and phone numbers listed in my credit profile. Immediately upon these findings I wrote EXPERIAN and asked that they removed the inaccurate names, addresses, and phone numbers, and employers. 

My first typed letter is dated XX/XX/2018 in which I enclosed a current copy of my drivers license, utility bill, and social security number. 
I listed all inaccurate addresses, phone numbers, names, and employers and asked that Experian delete them because as it is my right to have inaccurate information deleted. 

Experian replied to me via postal mail stating that they updated the information I requested to be deleted. They updated inaccurate information?! 
I have uploaded documents that shows where they updated the inaccurate information to more inaccurate information. 

After their response I called them and tired to resolve it over the phone but they stated they could not help me. 

My second typed letter dated XX/XX/2018, reiterating that they needed them to delete the inaccurate information from my credit report. I listed all inaccurate addresses, phone numbers, employers. 

Experian responded via posted mail, to an inaccurate address. I am not positive as to how the letter reached me. The letter stated that they were unable to honor my request because my letter was not legible. How can a typed letter not be legible? This is hurting my credit profile. I've read that Experian had a lawsuit brought against them for knowingly reporting false information. 

I expect for Experian to follow the law and remove the requested inaccurate information. I have sent a third letter out today, XX/XX/2018 again asking that they remove the inaccurate personal information from my credit profile. 

I have uploaded proof that EXPERIAN is not doing their best to be sure my credit profile is accurate. The fist letter will show that Experian wrote me at an inaccurate address. The address city and state in the header is inaccurate. I am not sure how I received the letter. My postal man is good and most have noticed the error. The second letter of proof will show that they updated inaccurate information to yet another inaccurate address. I have no clue where they get this information. 

I do not have any other current addresses and do not desire or authorize any other addresses to be reported or retained in my credit profile, if any please DELETE NOW or produce PROOF of your legitimate authority to retain or report without violating my rights. 
My address is XXXX XXXX XXXX, XXXX, Texas XXXX this should be the ONLY ADDRESS LISTED IN MY CREDIT PROFILE. I do not have any other names and aliases or nicknames. My Legal and only Name is XXXX XXXX No employers should be listed. 
Please deleted all addresses and names that are not XXXX XXXX AND NOT XXXX XXXX XXXX, XXXX, TX XXXX ALL PHONE NUMBERS SHOULD BE DELETED. 
I would like to ensure that only current, complete, and true information is in my credit profile.
CITI closed my XXXX XXXX XXXX credit card without prior warning. The account was in good standing, never a late payment and fairly new. They said they closed it due to too many credit inquiries, which I do n't see how that is any of their business. This bank has the right to close account of course, but how they are doing it is unfair to consumers. They should provide a few days notice at least so you are n't caught off guard with a rejected card in public.They should not be allowed to do business this way. I performed a search online to see if this has been happening to others and found several complaints going back many years. If there is anything you can do to make them change this practice, it would help consumers. We deserve a little advance notice. It 's so unfair. I had six accounts closed by them this week and in every single case they informed me AFTER they closed them and not before. All six accounts were in good standing. I do n't want my accounts re-opened because I ca n't do business with an unreliable bank like Citi, but I want them to change their practice. No bank, especially those we all bailed out a few years ago, should be allowed to do this to consumers. We deserve to be treated better than this.
Received a letter to collect on a debt for toll road charges and the letter sent does not have the 30 day validation disclosure, does not state the mini-Miranda disclosure.
i had two accounts with two different act numbers I paid them but they used one account to take all the payments that acct number was XXXX for {$580.00} and they did not apply the {$1000.00} to the account number XXXX so when transunion and XXXX calls on investigating this there using the account number thats on all the receipts thats for the {$580.00} and its of course showing paid in full this is why i am still showing a open collections for {$1000.00} so i am wondering where did they put my money? was the error found? if i had overpaid {$1000.00} on the {$580.00} acct why would n't I 've received a refund? on my transition credit report is shows two different account numbers but obviously there clerk applied ALL my {$1600.00} to one act that was only {$580.00} and worse problem is they told me they ONLY report once a month and this could not and would NOT be corrected if needed until mid XXXX, thats wrong, when it is there Error they should manually fix it to all 3 credit bureaus ASAP this is causing so much problems while I 'm in escrow
In XXXX I took out a XXXX loan for my son to go to college. 
My son paid on the loan and in XXXX he merged all his loans and since has paid them off. In late XXXX, early XXXX of this year I answered a call to my home phone of what I thought would be a telemarketer, because the ID said unknown caller. The female voice on the line asked for XXXX. I said XXXX does not exist and she said I am so sorry. Realizing that she thought deceased I explained that I was XXXX XXXX but divorced and now XXXX. She then told me that she was calling on behalf of XXXX and that I had a loan that has not been satisfied. I told her that she had incorrect reporting and why in the world would you call 13 yrs later. Since then I have received several letters in the mail of which I sent a bankruptcy notice ( XXXX ). I found that Federal loans do not qualify. No problem show me all the payment history. Who paid on the loan when payments were made and how they were made. I to date have not received any satisfaction with this request. My son called XXXX of whom he had merged and paid all the student loans with. The investigative dept was conferenced call with my son and I and all quesitons asked. The investigator did say this sounds like it may be a fraudulent claim. Still waiting on the results.I called the company Navient, in early XX/XX/XXXX the woman told me that there was XXXX on the loan # I gave her. I asked if she could mail me a copy of this XXXX balance. She said that she would have to send it to the finance dept and that takes up to 48 hours. No problem could they maybe send it to my email. She said yes. I waited a couple of weeks and never received it so I called on XX/XX/XXXX. I got a woman named XXXX told her of my request and she said you will have to call the guarantor, XXXX she gave me a # called and spoke with XXXX told her of my request and she too said you will have to call the guarantor of the loan. Frustrated I told her I was told that by the last lady and this is the # she gave me. She still said you will have to call. Now I am retired and living on a fixed income. This is so frustrating. Is this legitimate? Do I owe. I am trying to take care of this and getting no help. 13 yrs is a bit long to have someone decide to call and collect. Can you help me?