WillisBack/dataset-financial-user-claim huggingface dataset:
I viewed my credit report from Equifax and was very upset to see incorrect information on my credit file. I had a XXXX XXXX acct where I was charged for an auto repair that was never done yet the auto mechanic would not give me back my vehicle without payment of which I used my XXXX XXXX card and immediately filed a dispute with them explaining what happened. The mechanic lied to them about the charge of which they told me I had to get another mechanic repair report of which was submitted. They refused to accept the report that the work was not done that was paid for and would not remove it. I continued to complain to them about it as they were sending me statements of which I had to pay even though I did not receive the auto repair that was charged for. So I told them I could no longer send payments for something I never received. My XXXX XXXX acct was eventually bought by XXXX XXXX. That hurt my credit history of which I then contacted the MN Attorney General for help. They were very good in helping me with this problem and were able to force XXXX XXXX to remove the derogatory information that was hurting me as I am in the middle of buying a home! To my shock I find out today that Equifax is still posting this plus they had an inquiry from XXXX that I never had any contact with yet it shows as an inquiry. Equifax said the XXXX XXXX information has not been updated since last year!!! I asked them why their information is n't current? They said it is up to the company 's to update information on customers accts. I filed a dispute today but am very upset that the credit reporting agency 's are not requiring monthly reporting for the public. I told them I have a letter I can fax them from the MN Atty General 's office where it states that XXXX XXXX agreed to remove this from my credit report. They said they would not accept the letter from the Atty General, they will only accept what XXXX XXXX sends them within 30 days. I do n't know what to do. I am in the middle of buying a home and this is only going to make things worse. Equifax does not have current, correct information for the consumers and something needs to be done to ensure the unsuspecting public is protected from having incorrect information as well as current information on their credit files/history. When companies buy debt from creditors they should be held to the same standard as credit card companies or anyone who extends credit. Please help me if you can! This is just not right! I have a letter from the MN Atty General Office as well as a letter from XXXX XXXX where they state they would remove this from my credit history. To date, that has NOT been done. Let me know if you want me to fax them to you since I ca n't seem to attach them to this complaint. Thank you!
I had set up an automatic draft payment from my online Chase account to have the amount of {$280.00} be deducted from my XXXX XXXX Checking account. The regular monthly loan amount is {$270.00}. I called Chase customer service the day before the payment was due, and I asked the representative if my account was setup to have an automatic payment drafted on XXXX XXXX. The representative told me that the account was not setup to do such, so I disconnected the call and proceeded to make another payment online of {$300.00}. I checked my online bank account activity to ensure Chase had taken out the amount and noticed that they had drafted my account twice. I called Chase right away and asked them why they had drafted my account twice. They apologized and advised me that they would send me a check in the amount of {$280.00}, but would take 4 to 6 weeks. I disagreed and told them no, as I needed that amount to pay other bills and I would have XXXX XXXX instead retract the payment. I then called XXXX XXXX to have them retract XXXX of the payments and the XXXX XXXX representative said okay, and advised that I would have the {$280.00} back in my account in 48 hours. Once I noticed that the money was back in my checking account, I assumed that everything was fine and the {$300.00} was applied to my auto loan. Several days later I checked my Chase auto loan account to ensure it was paid up-to-date and noticed that I was a month behind. I immediately called Chase and asked them why was my account past due, and advised me that because they had returned the payment amount. I explained to them that two payments were drafted from my account and that is why one of them was returned. The representative then agreed there was error and said that they would send it to their research division and would have someone call me. After a week or so, I did not hear anything back from Chase. I then went to XXXX XXXX to get assistance and see if they can help me correct the matter. The XXXX XXXX associate pulled up my XXXX 2015 bank statement and saw the two payments being drafted on XXXX XXXX, and only payment returned of {$280.00} on XXXX XXXX. The XXXX XXXX associate called Chase on my behalf and advised them of the error. After an hour and a half of the XXXX XXXX associate trying to explain to Chase of the error, they still did not understand. The Chase associate then asked if we could just send them my checking account bank statement to have someone review it. After a couple of weeks, I receive a letter in the mail from a XXXX XXXX from Chase, advising me that the payments were applied correctly and no related corrections are necessary. I was infuriated as they did not seem to know how to do their job, and research and help me correct the matter. As of now, I am still a month behind and Chase does not know where the {$280.00} went. What bothers me the most is that not only it has affected my credit, it has affected my uncle 's credit who co-signed for me. I have never been late and wish to have this matter corrected immediately.
Got set up with XXXX XXXX in XXXX NY at age XXXX. I am XXXX and am in crippling debt of {$28000.00} and its in default. I have no job currently and in the year of XXXX I worked at XXXX in XXXX NY and was constantly harassed by collections while at work. I had no idea about the law suit against XXXX till after the deadline of XXXX XXXX XXXX to file a claim. I was young at XXXX too young to understand how big of a life changing decisions i was getting into and XXXX made things seem like a dream for a young XXXX. I now live a poor and every day struggle. XXXX Debt, Jumping XXXX job to job, Poor credit out the gate of adulthood and nothing/no one to help me understand what is happening or what to do. I need to start over thanks to the Education Department. They XXXX my life before I knew what to do with my life.
CMRE  continuously sends bills that have not been updated to represent the current balance. Even upon logging into the website to verify the payment has n't been crossed in the mail, the real time website has not been updated.     When I called they said that it was updated and that my payment had posted, but I have a dated print out proving that it was n't. This makes it impossible for me to pay my bills because the account is n't updated.     They are also trying to collect interest on a debt that the original medical facility was not collecting interest upon. I have verification of this FACT. I also have a call out to their attorney representative to confirm their policies and verify no interest bearing contract was ever into by me.     I have wasted so much time trying to straighten out this CMRE 's lack of attention to detail regarding their billing. I have VERY DETAILED notes and ledgers.     All I 'm asking if for them to keep their end of the deal, and update their payment records correctly and regularly WITHOUT FRAUDULENT interest included, and send CORRECT bills.
My wife and I took a conventional interest-only 5-year ARM mortgage from Countrywide Financial which was later acquired by Bank of America on XX/XX/XXXX. Countrywide 's mortgage system has a serious system glitch. When I make principle payments more than once a month, their mortgage system consistently miscalculates interest as it ignores the principal payment. They promised to hold off interest accrual until they have fixed this system error. However, instead of resolving this error, Bank of America sold my mortgage to XXXX. Unfortunately, this issue has never been resolved. Nevertheless, we paid the full principle balance on XX/XX/XXXX. We just learned that the dispute with BofA significantly damaged our credit scores. 
Can you ask Bank of America to repair my credit score?
On XX/XX/XXXX I went to Huntington Bank Branch to Deposit {$200.00} cash and cash a check for {$9.00} or {$9.00}, The teller was ok with depositing my cash that was much greater than the check but ask for ID to cash the very small check because I was XXXX XXXX. He never ask the XXXX person for ID. I did file discrimination with Ohio Civil Rights. They are looking into that matter. However, my concern is that HUNTINGTON BANK went into my bank account without my authorization or being present for their selfish reason to see if I took that check and cash to another branch. They called that branch and inquired with all there about me and only one employee actually knew me and my name. They denied me service because I was treated different. 
I experienced different treatment before with XXXX XXXX /XXXX at same bank and the upper management never contacted me after I complained
On XX/XX/XXXX ECMC was given notice by i : XXXX XXXX, to Cease and Desist collection. This notice was not returned nor did ECMC respond. On XX/XX/XXXX, i notified CFPB via compliant ( XXXX ) regarding ECMC threatening to use my social security and personal information. ECMC responded they have no account with my information. It comes now on XX/XX/XXXX, i received an alert from XXXX XXXX that my credit score was decreased because of 7 ECMC collection accounts added. Upon review i noticed XXXX has the account listed as collection accounts and XXXX has the account listed as credit both accounts list the open date as XX/XX/XXXX. This is a violation to the Cease and Desist Notice dated XX/XX/XXXX, FCRA ( which state debt collector are to report accurate information, FDCPA ( are to cease and desist when notified ). By ECMC attempting to extort i for money not owed this falls under RICO frauds and swindles. This also is paper genocide and violating my indigenous rights.
The reason for my complaint is I was in the process of getting a loan modification. With Bank of America. In the process I was denied my loan modification the original rep i spoke with felt there was something wrong and advised me to speak to the appeal dept. which I did once the appeal dept reviewed my file I was approved I signed all documents sent back to BOA spoke with a new case manager advised me that BOA is withdrawing the approval because I had a partial claim in 2014. But I feel that i should not have to pay for BOA mistake and they should keep there agreement with my new modification.
I made a deposit of XXXX funds on XXXX/XXXX/16. When the initial hold was placed it was until XXXX/XXXX/16. Then it changed to XXXX/XXXX/16, making it 31 business days instead of 30 but I considered the holiday and did not complain. It has now been extended to XXXX/XXXX/16. This is ridiculous! The funds were withdrawn from my XXXX account weeks ago and the supporting documentation was faxed to their XXXX office and instead of releasing the funds they extended the hold.
TransUnion refuses to update the status of all the accounts that were a part of my CH XXXX bankruptcy that was discharged 15 months ago, XXXX 2015!!!! The accounts are still reporting Late and on Payment Plan. This information is false. Compare to XXXX. XXXX updated alll my information in a timely manner and responded correctly to all of ny disputes.
I received a letter as well as did consumer protection bureau that stated the following. Wells Fargo Bank has requested that any appearance of foreclosure has been advised to all credit bureaus as to not appear on their reporting. They say any negative results are the fault of the credit reporting companies. How they are overruling the Wells Fargo Bank is beyond me.
I have made numerous extra payments to Ocwen Loan servicing for my mortage. According to the online payment information, Ocwen holds payments in suspense and credits whatever amount it chooses to principal, but each month send me a letter that I am past due. They should be put out of business, but I would settle for my account being corrected. They do not return emails and if they call they do not speak English..
This debt has been included in Bankruptcy case XXXX. It is still showing up on my credit as an open collection.
Checked credit report and see there is a new collection added to report. I haven't received any correspondence of a debt to dispute and have never dealt with this company. I don't have any contracts or legal obligations to this company. Please provide proof of validity. Delete from my credit report
I applied for a Home Equity Loan through First Tennessee Bank ( XXXX, TN call center assisted ). I asked what is the Maximum amount I can be approved for ; They sent me the proper disclosures based on the estimated value of the house and told me after the appraisal comes back we could adjust loan amount. The appraisal of my home came in higher than we initially thought. XXXX XXXX assisted me through this process and as loan came through underwriting she called me back and said " XXXX XXXX, I know you asked previously what is the maximum loan you can receive. I wanted to call you today to let you know the underwriter is willing to give you a loan up to {$450000.00}. '' I said, " wow, I 'm flattered. Let me think about it and I 'll call you back next week. '' When I called back the next week to accept their offer ( I told them I would take a loan of {$410000.00} ) I learned that XXXX no longer worked at the bank. They passed me off to XXXX and at that time XXXX said my rate would go up .XXXX % if I took a loan of XXXX. I explained XXXX had verbally offered me up to $ XXXX last week and did n't disclose the terms of the loan would change. The bank would n't honor this after I spoke to XXXX XXXX and XXXX XXXX. They agreed to lower my origination fee from XXXX % to .XXXX % because they knew they made a mistake ; XXXX said, " It was XXXX last day at the bank, and she was n't on her " a '' game. '' I appreciate that everyone makes mistakes, however this was an offer from the bank, which I called back and accepted under the current terms ( 3.4 % APY for 15 years ) The bank will not honor the verbal agreement. I consulted an attorney and he said the bank extended me an offer, which I called back and accepted a week later that was n't honored ; He feels the bank is liable ; For your information- The call has been recored and is on file at the bank. He suggested I file a regulatory complaint.
XXXX 's client XXXX XXXX is an identity theft victim. His information was used to establish an account with TD Bank/Nordstrom and a balance of {$110.00} was placed on the card obtained. A formal dispute of this account was made XX/XX/2017 however as of this date TD Bank/Nordstrom has failed to provide an update as to the status of this disputed account as is their obligation under the FCRA.
I contacted Equifax concerning a state tax lien that was paid in full and released. It shows correctly on my XXXX report. Equifax has only removed the name of the creditor off my report. It still shows I owe a balance of {$4500.00}. I first filed a dispute with them in XX/XX/2017 and have been filing one about this every 30 days. They will not fix it even though I have attached proof from the state department of revenue that it was paid and released.
CHASE VISA  closed on   XXXX   XXXX   XXXX   ; {$9700.00}   15 U.S. Code Subchapter I - CONSUMER CREDIT COST DISCLOSURE I am requesting a copy of my application and any and all disclosure pursuant to 15 U.S. Code 1637 - Open end consumer credit plans.
Because of this willful and knowing violation, there is a negative rating on my credit report. Pursuant to 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
I am very concerned about the validity and accuracy of the recent investigation done by Equifax and XXXX..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.
By a lack of knowledge of Mortgage in Pre Qualification process, I lost my money and affront expensive process to find a new living place for my family members of XXXX. After a Pre Qualification confirmation in XXXX XXXX using all credits reports pulled out, I start the process of a mortgage loan. I signed a Sales buyer agreement in XXXX XXXX. The processor XXXX XXXX review with me all options available for my loan. I request a Conventional Loan, but he reject it because my credit history. I did n't qualify for that one by a law or rule of 3 years. He offer me a great rate on FHA type loan. and he was convinced that I was qualify for that loan. After I start my personal arrangements to leave my current rent agreement and start my furniture investments. From XXXX XXXX I invest in all inspections requirements, appraisal process and paid in cash to all {$880.00}. Also change my insurance cars company to get a discount and join the home insurance quote and sent to the mortgage for closing purposes. Later in XXXX XXXX I got confirmation of the closing date and complete signed all Loan Disclosure forms, FHA forms, home tool kits and also got the Closing cost amount. I starts my personal arrangement 's to get all set for closing cost and date. In XXXX XXXX in my initiative of follow up I got denial letter and confirmation that the loan cant be processed because another rule or law that state I cant be eligible for a FHA loan if I was involve in a Short sale process in the past in a Conventional loan in XXXX XXXX, So I cant qualify for a FHA loan until I complete a punishment time of 3 years. All FHA forms only describe some restrictions for loans on Foreclosures, Defaults and delinquent on Mortgage transactions. There is NO Short Sale restrictions on those forms. If this is a FHA rule or law or if this is a Credit requirements, or a lender criteria I did n't get any of those restrictions advisement during this processing. I should got a Qualification or a better counsel by the Processor or someone in the Lender institution, because they pulled out my credit report from XXXX companies. Where all details come from there. Now I am working to get back my {$2000.00} earnest money, but I still loosing closing cost by a loan never completed, plus a raise of rent by last minute seeking, Storage cost for all new furniture invested, Schools transportation cost and a frustrate family.
We have a home loan with USBank, and we 're told our insurance 'ran out ' as of XXXX XXXX, 2015, and were sent a letter dated XXXX XXXX stating we needed to provide proof of insurance, or US Bank would buy insurance for us. After repeated faxes and emails to the contact information they provided, our insurance carrier says the emails keep bouncing back, and when I call US Bank, they have no record of the fax being received, either. Several years ago, we received a very similar letter from US Bank, also stating our insurance had expired, and if we did n't provide proof of insurance, they would buy insurance for us. At that time, we did n't call US Bank, since a call to our insurance provider verified we had uninterrupted coverage for the property, and they faced a copy of the policy to US Bank. However, what we did n't realize at that time was that US Bank had changed their fax number, but did n't notify the insurance company or provide them with a new ( correct ) fax number. Because they 'never received the fax ' they charged us for the cost of US Bank purchased extra insurance, and would n't remove the policy and extra cost, even after we provided proof of continuous insurance. They added this extra cost onto our insurance, without notifying us. It was several hundred dollars more a month, for over a year. My fear is that they are going to do the same thing this time, since they have n't been able to provide a correct fax or email address to either us or our insurance carrier. Because US Bank makes a substantial profit on the sale of this type of insurance, my belief is they intentionally change their fax numbers, ensuing insurance updates do n't come through, and charging homeowners for the extra insurance. I have spent over 5 hours in the past few days on the phone with them, just trying to get the correct contact infoation to give to our insurance provider, and each time I get a different email/fax, and each time it does n't work.
Dealer Funding is on my credit report when it should n't be. The problem that happened was I got it to an horrible car accident and my car insurer paid it off plus I had gap insurance so the car was totaled and paid off, all of this took place in XXXX Now that it is XXXX I have been disputing this company on all three credit bureau and still it is on my credit. The number to the company is no longer in service. Also my mother was my cosigner on this account at it is n't on her credit but its on mines and I 'm not understanding this when it was paid buy the insurance company in XXXX. Please help me resolve this issue because it is a burden on my life!!!!!
I am writing in dispute to the payment history reported fromXX/XX/XXXX through XX/XX/XXXX. During XXXX XXXX XXXX XXXX, and XXXX XXXX. I paid as agreed per a Trial Payment Plan (TPP), a partial payment agreement, which was supposed to be reported to the Credit Reporting Agencies (i.e. XXXX, XXXX, and Transunion). According to the recent credit reports I have received and my communication with each agency by phone, this information was not disclosed by XX/XX/XXXX. Instead, due to the partial payments, my payment history reflects 60+ and 90+ days late during the aforementioned period. I have a copy of the TPP that I signed and that was approved by XXXX, with highlighted statements. On page 2, bullet 7, it states “Please note that except for your monthly mortgage payment amount during the TPP, the terms of your existing note and all mortgage requirements remain in effect and unchanged during the TPP.” On page 2, the 3rd bold section under “Additional Trial Payment Plan Information and Legal Notices state, “Your current loan documents remain in effect; however, you may make the Trial Payment Period Payment instead of the payment required under your loan documents.” (I also have monthly statements from XX/XX/2017 showing the dates these payments were received.) Despite the acceptance and fulfillment of this TPP, and despite reassurance from 3 different XX/XX/XXXX representatives each month that I personally made the TPP payments by phone, I have incurred 60+ and 90+ late payment marks on my credit report with XX/XX/XXXX. The TPP document clearly states that I may make these partial payments; the TPP payment agreement is the exception, but all other mortgage requirements remain in effect.