WillisBack/dataset-financial-user-claim huggingface dataset:
I had a bankruptcy discharge on XX/XX/XXXX and have attached it to this complaint. My complaint is against T.U. Consumer Relations, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX XXXX. I have attached a copy of a denial. It says reason for denial : # of months since 30 days past due is too low, accounts in collection or 30 days past due, High ratio of accounts past due. How can this be since I was in a 5 year bankruptcy that was recently discharged on XX/XX/XXXX? Every single one of my debts that had any balance on XX/XX/XXXX was included in my bankruptcy. There is nothing on my credit report that was not included and that has not been discharged. That said, it is against bankruptcy laws for TransUnion to make the statements they made in this denial and no creditor is allow to show me past due, charged off or having a balance. TransUnion and the reporting creditors are in violation of the Discharge order. It this matter does not get resolved through CFPB, I will be filing an injunction through the bankruptcy courts.
Fraud reporting in XXXX Inquiries XXXX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX Credit Account XXXX/ XXXX XXXX  XXXX Account Number:XXXX Fraud reporting in XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Credit Account XXXX/ XXXX XXXX XXXX Account Number:XXXX Fraud reporting in Equifax Credit Account XXXX/ XXXX XXXX XXXX Account Number:XXXX I have called and talked to multiple customer service agents from XXXX, XXXX and Equifax to block the fraud inquiries and account. They refuse to help me.
PHOENIX FINANCIAL SERVIC, XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX is being reported as a new acct. every month for $ XXXX. 

This same company is reporting a payment of at least {$1.00} every month when NO payment has been made. 

I do not know who this company is or what alleged debt they say I owe. 

Because of their unscrupulous activities, my credit score keeps going down!
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : AARGON AGENCY Account number XXXX
On XX/XX/XXXX I received a letter from the mortgage company stating they needed proof of insurance. I had insurance on my home when I bought it on XX/XX/XXXX. So I contacted the insurance company preferred mutual on XX/XX/XXXX it was then that I was notified the policy was pending cancellation due to non payment on XX/XX/XXXX. On XX/XX/XXXX I called XXXX XXXX XXXX  to inform them that I have insurance and it's due to be cancelled on the XXXX if they don't receive payment. They told me to tell the insurance company to fax the bill toXXXX and they'll try to overnight payment to them. I let a week go by and checked my escrow account the insurance payment still haven't posted. So I called the insurance company again the person I spoke with said it was faxed over on XXXX, then I called the mortgage company they stated they didn't receive it, and tell the insurance company to e-mail it to XXXX. I then called the insurance company with that information they stated that they'll get that done. at that time it was within a couple days of being cancelled so I waited another week the money still didn't post to my escrow account. Now because the policy has been cancelled I called my agent to let her know what happened and see what I could do about it. Since it had not been past 30 days since cancellation they can get payment and renew the policy. Now 3rd time call the mortgage company I was told to have my agent e-mail the bill to XXXX with the loan number in the subject box and they'll try to overnight a payment. Now once again didn't hear anything. All of a sudden I get a email from my mortgage company stating that my hazardous insurance is paid in the amount of {$1000.00} but the insurance that I have was only {$720.00}. I look online at my account it's some insurance that the mortgage company added meanwhile I don't have no type of paperwork pertaining to this insurance. On XX/XX/XXXX I called my agent to try to get my insurance back and couldn't because it was lapse for over 30 days, due to the lapse I can't get no competitive rate. the new insurance policy I have cost me {$980.00}. Called the mortgage company and had a fit. They said as soon as I get proof of insurance to email to the same email address previously they'll update the account and then I'll maybe get reimbursed. This was a issue that was not caused by me.. in reality had nothing to do with me all I was supposed to do was make my mortgage payments and that's what I did now I may have to suffer with the 30 day lapse for years this wasn't right at all
I recently done a dispute with the 3 major CRA and at the end there were so teams proven to be inaccurate reporting and was removed from my XXXX report. Im having problems with Experian and XXXX getting the items removed I would like for the items to be deleted from the two CRA ASAP as the information is not correct. Ive also asked for documentation with my signature and nothing has been given to me please see documentation attached.
Honda advertises no money down lease on new Civic for $ XXXX/mo.. In very fine print, they show hundreds, if not XXXX of dollars of upfront costs to do this lease. The no money down offer is misleading if not fraudulent.
On XXXX XXXX, 2014, XXXX XXXX XXXX , XXXX was [ n ] ot licensed or registered to operate in the State of New York according to the New York State of Department of Financial Services ( DFS ). The recorded/filed Assignment of Mortgage currently being used was robo-signed by robo-signer XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX did [ n ] ot exist on XXXX XXXX, 2014 and XXXX XXXX was [ n ] ot an employee ( Assistant Secretary ) of XXXX, XXXX on that date. XXXX XXXX was also showing to be an employee ( Assistant Vice President ) of XXXX XXXX XXXX on the same exact date of XXXX XXXX, 2014. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX, of Shapiro, DiCaro & Barak, LLC are attempting to foreclosure claiming ownership based upon the above referenced information and a robo-signed Assignment of Mortgage.
As a borrower my loan was first with XXXX XXXX XXXX and I was approved for a Forbearance XXXX/XXXX/XXXX and the loan was transferred to Carrington on XXXX/XXXX/XXXX. Borrower made 2 payments and Carrington would not accept any payments after, lender had requested full payment ofXXXXXXXX. A Quit Claim Deed was submitted on behalf of ex-spouse XXXX. Lender then stated that a new law in XXXX was drafted that the Quit Claim Deed would not be sufficient enough is that a law for all states or the state of CA As a housing counselor I felt that information was not represented to me as the Third Party on behalf of the borrower. A loan modification application was submitted and on a complete package was received. A second modification was submitted on XXXX/XXXX/XXXX, complete package received XXXX, and XXXX/XXXX/XXXX file was submitted to under writer for review. XXXX/XXXX/XXXX it was stated that the borrower was denied due to debt to income at 40.77 % including the partial FHA claim. The representative at Carrington stated that the income used on the XXXX modification was {$2800.00} but on XXXX/XXXX/XXXX {$2100.00} income was calculated. The borrower had an increase of pay that should have been calculated on the XXXX loan modification. I called Carrington and spoke with a representative on XXXX/XXXX/XXXX who stated that the borrower had excessive forbearance. I immediately did a return call to Carrington for additional update on the numbers that was used for the waterfall to determine the denial. The representative stated that he could not give ne the numbers used because I had already call and the decision had been made. I then proceeded to ask to speak with management and was told that I would need to submit a formal dispute if there was additional findings and that management would not talk with me. I called back to Carrington on XXXX and wanted some more information on the denial the representative stated that because the home retention was located in CA and they were not in and I need to call back at XXXX eastern standard time. He could not give me any information because he was not licensed.
My daughter was the victim of fraud in her checking account. The account was a teen account for which I had to sign when she was under the age of XXXX. She is now XXXX and the account was never updated so my name still on it too. 

Due to the issues she had with her account Wells Fargo cancelled my credit card I had for 15 years. My history is clean and I make my payments on time. I think this is an arbitrary decision on their part and they took it without even trying to contact me first.
To whom it may concern, My name is XXXX XXXX XXXX. I applied for a CitiBank Citi XXXX credit card using the promotion code provided in a letter they sent me ( attached ) in mail, which stated that I am pre-approved for Citi XXXX  credit card. 

Later that week, I received a letter in mail ( attached ) asking for a copy of my US Passport or Permanent Resident Alien card. I am an XXXX  citizen currently in the US on valid student status ( XXXX status ), so I do not have either of these documents. So I called Citi customer support and they initially wouldnt tell me why they can not process my application. 

At first they said that either on the application form or on their website the immigration/citizenship requirements are mentioned, but they retracted that statement because it simply was not there. Neither in the promotion letter, nor the application webpage ( both attached ) was there a mention of requirements regarding nationality or immigration status. 

They eventually told me that I am not qualified for this credit card because I am an XXXX national and federal law prohibits them from issuing me this credit card and my application will be rejected. However, they would not tell me what rule/law they are referring to. I reminded them that on the back of the letter they had sent me it is mentioned that The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age. 

Their failure to disclose this information had the following consequences for me. First, I shared sensitive information including my SSN, my address and date of birth with this financial institution, expecting that I will receive a service in return, however, according to their oral statement ( which they could not point to a written counterpart anywhere on their website or their letters ), I was not qualified for in the first place. Second, the fact that I would my credit card application will be denied is probably impact m

y credit score negatively. I spent over an hour talking to multiple representative and managers and eventually left feeling humiliated. I believe that Citis c
urrent practice in this case is both discriminatory and borderline fraudulent. 


Regards, -XXXX  XXXX XXXX
Experian has not responded to my certified letter they received on XXXX XXXX, XXXX. The letter stated the following : RE : XXXX Dear : Experian please be advised that this letter is being sent to you and all credit bureaus. I am requesting that you remove this account from my credit report. This is not my account, I have never had an account with this company. I have been disputing this account for years. Today I called this company only to find out that tis account was opened at a place in Wisconsin called XXXX XXXX bank association. I have never traveled to this place or again opened an account. I placed a fraud alert on my credit report back in XXXX. I also would like to inform you that I never received not XXXX bill or collection notice from this company ever. If this item is not removed from my credit report I will be contacting the XXXX, the XXXX. Office at a state level and I will also file a civil suit. You have 30 days from this notice to remove this account.
This is the second time that I 've noticed this, so I believe it is the strategy of Bank of America to remove charges from a person 's transactions in order to trigger overdraft fees. I made a charge at XXXX XXXX in XXXX for {$14.00} plus a {$3.00} tip. The {$14.00} showed up immediately, but then disappeared a few days later, giving me the false impression that I had more money than I really do. In fact, along with that charge came ATM transaction fees that are several days old. Is this practice legal?
I had not checked my credit report in a while. After obtaining my credit reports. I got a letter from a collection agency West Asset Management , Inc . Telling me that i had a debt that had been turned over to them for collection. I called them immediately to inquire about " this so called debt '' First time I called was XXXX/XXXX/2015. I was told that they were going to research the account and get back to me. Today is XXXX/XXXX/2015 have not heard any thing from them. So I called again. They told me that they did not have anything to share with me and they will let me know ... .In the mean time, I 'm waiting to have this cleared from my credit bureau as I would like to buy a small home for myself and having this information on my credit file will keep me from obtaining a good Real Estate loan or perhaps nor one at all. They ca n't give me any information about " this debt '' but they have not removed this false information from my credit report. I need help. I would really appreciate your help! Thank you.
this bank own my loan and they hired Specilaized loan servicer to handle my mortgage the servicer are fraud and toy with me. send this creep to my property hide in the bushes and take picture of my property
I wrote a dispute letter to the third party company XXXX and to Transunion regarding this suppose debt however Transunion wrote me back stating that the updated my credit file. Transunion did not send me any documents stating that they verified this supposed debt with this third party company. How can they not investigate this suppose debt with this company and kept it on my credit file?
XXXX XXXX XXXX reported a forcible entry and detainer case to credit bureaus XX/XX/XXXX.The case was dismissed XX/XX/XXXX in general sessions court ( voluntarily non-suited at plaintiffs cost/dismissed. ) I contacted warfield many times since dismissal-general court clerk faxed dismissal to them XX/XX/XXXX, they still will not remove from my credit report, instead when I dispute with XXXX credit bureaus and its removed they update report by adding a dollar to amount owed. In XX/XX/XXXX they updated report twice- by stating I had paid 5 % of the collection amount which is totally not true-by adding a dollar to amount {$1100.00} then $ XXXX.I was told by court clerk that I owe nothing because case was dismissed.Here it is 3 months later and again they have updated report increasing amount owed.I been refused housing and credit because of there continually updating my report.
XXXX XXXX XXXX, XXXX as Trustee for Option One Mortgage Loan Trust XXXX is collecting a debt that was never transferred to the trust before cut off date of the trust. XXXX XXXX XXXX, XXXX is fraudulently including our mortgage in the collateral file ( published on X/XX/2017 ) and remittance reports ( published on X/XX/2017 ) for Option One Mortgage Loan Trust XXXX for XX/XX/XXXX, despite the fact the only transfer of assignment that was filed in the XXXX County Land Records Office was filed 5 years after the closing date of the trust.
Back in 2005, I started a mortgage with Wells Fargo. The market was a lot different then. The home is in North Carolina and is now considered our second home. The loan is a XXXX year interest only loan. This means that it just matured this past XXXX. Over the past XXXX years with interest rates improving, I 've been wanted to refinance, but could n't due to XXXX factors. # 1 Being that Wells Fargo sold me a bad loan. I had no idea that there was such a thing. This means that it is n't insured by XXXX or XXXX XXXX. Therefore it is very challenging to be considered for any refinance options. The worst part about this is that I was targeted by Wells Fargo for refinancing numerous times, only to have my hopes crushed when the sale people from Wells Fargo came to the same realization that not being insured by XXXX or XXXX XXXX was the kiss of death. It got so bad that I would take their calls and explain this to their sales teams right up front, they 'd do some checking and save us all some trouble. The XXXX reason I was n't able to get refinancing help was due to the market conditions lowering my house value to my loan. So ... since I was n't paying any principal, just interest on top of the depressed market, my loan to value would never improve. 

So, now that my load in changing to an ARM, my payments have increased another {$350.00} per month, making the payments even more challenging to make. So ... essentially, I ca n't refi to improve anything, but they keep raising my prices making the payments more challenging. We have to try and sell or just keep taking huge losses each month.
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX Dated : XX/XX/2018 2. XXXX XXXX XXXX   Dated : XX/XX/2018 3. XXXX XXXX XXXX Dated : qXX/XX/2018 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I did authorized XXXX XXXX XXXX XXXX to made an inquiry associated with an auto purchase, but only them. If the above inquiries relates with such, then federal and state law only one inquiry to be reported, as such is within 45 days of the initial inquiry being reported by Transunion.
Deposit a {$600.00} check at my BOA branch 's ATM on Sat XX/XX/XXXX, XXXX.

BOA put a instant 'HOLD ' on it until XX/XX/XXXX, XXXX.

Talked to the issuing bank XXXX  and they informed me the check cleared on XX/XX/XXXX.

Called BOA last two days and escalated both times to an Supervisor.

BOA tells me the Risk Department refuses to lift the hold.

Big problem with BOA, keeping my funds from me after the check already cleared.
I received XXXX dishonest calls this week from Mid Atlantic Consumer Services. The first said that they were calling about a XXXX income tax that form that I " refused to acknowledge. They clearly made it sound like they were acting on behalf of the government. 

In the second call they said they " had a form with my social security number on it '' and they were trying to send to me but it was refused. 

When I called their XXXX number it was clear that this was a debt collection service but never mentioned anything of the sort in the XXXX voice mail messages they sent me.
I have a credit card with SYNCB/TJX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX XXXX, and SYNCB/TJX XXXX with no successful resolution. XXXX XXXX and XXXX  only reporting me 30 days late three times. There was definitely an error on their part. I was never three times 30 days late.
I cancelled an insurance policy and furnished another insurance company and they still continue to charge me for this plan even though I have not used it! I have contacted them several times and sent my current insurance information and they continue to charge me.
I am emailing you in regards to our mortgage, it has been bought out several times, the current company is called Ditech. We originally purchased our home XX/XX/XXXX, with a 30 YEAR FIXED RATE.. I recently got on Ditechs online customer website. Our mortgage maturity date is listed as the year XXXX!! I have called the company several times and have either not got a returned phone call or " well this is how it is figured ''. Anyone can look an see that there is no possible way this is correct! We have lived here for almost 14 years, the maturity date should be XX/XX/XXXX. Somehow 17 years has been added to the loan and I can not get no one to look into the matter or a reasonable explanation. Yes, we had XXXX modification BUT they dropped the interest rate from 6.25 to 4 percent ... I also, want copies of all documents in my mortgage file, am I legally allowed access to this? If nothing is done this will have us paying over XXXX $ for a XXXX $ home. Any help would be greatly appreciated!
On XX/XX/XXXXI took a phone call from a debt collection representative at Synchrony Bank for an Amazon XXXX Store Card. The debt collector informed me that he was calling regarding my debt and that my account was still ACTIVE and OPEN and if I paid the past due amount, then I would be able to use available credit line that was on the card.
I informed the rep that the account had been closed in XXXX 2016. He said that was not true, that the account was OPEN and ACTIVE and that the past due amount needed to be caught up.
Over the course of the call, the collections rep repeatedly lied about the status of my account in an effort to coerce me into paying the past due amount.
According to the FTC regarding Debt Collection, Debt Collectors may not make false statements when they are trying to collect a debt.
The representative that called me on XX/XX/XXXXencouraged me to go to the Synchrony Bank website, log into my account, confirm that the account is open and make that payment there.
I checked my account on line and it is closed. I 've also confirmed what I already knew with a Synchrony Bank representative on XX/XX/XXXX.
Some place called ADR GROUP keeps calling harassing me telling me I owe money from a payday loan from 2010 and that is I do n't pay it I will be arrested. They have not sent me a bill or any information concerning the debt. However I did pay them XXXX $ for 4 weeks because I was scared because they kept threatening me. They have even called my family telling them I owe money and that they are looking for me & they need statements from them.
On XX/XX//2018 I sent debt validation to XXXX XXXX, they did not respond. alleged amount {$380.00}. 
On XX/XX/ 2018 I sent a dispute letter to the Credit Bureaus, XXXX, XXXX, and EXPERIAN, and they did not respond.