WillisBack/dataset-financial-user-claim huggingface dataset:
I filed an online dispute with Equifax after reviewing my credit report, for unauthorized inquiries and an incorrect balance. I previously disputed the inquiries as incorrect, approximately 4-6 months ago, when I noticed there were " hard pulls '' from companies I do not conduct business with. I wrote a letter disputing the inaccuracies, and at that time asked to opt-out of pre-screened marketing. Equifax did take me off of the pre-screened marketing, but they put a fraud alert on my account, which prevented me from accessing my credit report or applying for credit. The inquiries were never taken off, and I was told by an Equifax representative to file a police report, before they could further assist with the inquires. Furthermore, my account balance is incorrectly being reported by XXXX. I filed a dispute with a representative, and was told to send in supporting documentation to assist in the dispute process. The initial case was re-investigated by another Equifax representative, because when XXXX updated the balance, it was still incorrect. As of yesterday, yet another Equifax representative said she was going to cancel my re-investigation ( without my consent ) because it was already updated by XXXX. I advised her that the information was to be re-investigated. She said it was Equifax 's policy to not have more than one open dispute for the same dispute, meaning they are not allowing me to file a re-investigation. Lastly, I accessed my consumer report today with Equifax and I noticed there is a " Consumer Statement '' on my report that was not provided by me. The consumer statement was placed by an Equifax representative and reads ( copied from my credit report ) : XX/XX/XXXX CONSUMER SENT IN DOCS TO VERIFY THAT SSHE DOES CURRENTLY HAVE A XXXX BALANCE WITH XXXX FOR THE ACCOUNT THOSE DOCS WERE SENT IN ON XX/XX/XXXX THE CONFIRMATION FOR THOSE DOCUMENTS XXXX XXXX XX/XX/XXXX. It is my understanding that the consumer statement is a statement from me and not from Equifax. I never requested a consumer statement, and their comment shows that Equifax had proof as of XX/XX/XXXX that my balance was truly at a XXXX balance, yet they did not update the balance, they simply closed the re-investigation. Numerous occasions I have called and received conflicting information from Equifax representatives, and supervisors. When calling in to their customer service number, when I am transferred to their " foreign '' or outsourced phone queue, I have been given such incorrect information, that now I ask to be transferred to a representative in the United States. Please assist.
I moved out of a rent home before my lease was up. My lease was up in XXXX and I moved in XXXX. I paid my rent for the month of XXXX in full I also paid XXXX dollars for a re-letting fee. The property manager had someone in the house at the end of XXXX and he is charging me for XXXX, XXXX and XXXX rent. I have asked him several times to adjust some things that is false and he not do it. I have been to XXXX and talked to XXXX lawyers and they requested pictures and justification for the prices and bill for work performed at the resident. XXXX nor I have received any of the items requested.
We continue to receive in written form contradictory threats and actions both confirming our payments and compliance and denying such! Hence this bank now advises they are initiating foreclosure on a "missed" payment that was actually in the bank at XXXX XXXX  XX/XX/2017 as confirmed by the US Postal Service! Furthermore their own Disaster Forbearance dept.acknowledges the prior payment errors. Confirming information sent to the OCC and them for this purpose We find their actions alarming and no excuse that one department does not know what the other is doing. This is perceived as a deliberate attempt to secure a rewrite of the mortgage and place better terms more favorable to the upon us, or foreclose to take the home when we are by fact UP to Date!. We are at the mercy of either incapable people or plain frauds? They have been paid according to the initial agreement as defined and THEY have altered the repayment days themselves. All of this in writing and on their letterhead which I am holding for legal review if required.  You can certainly request copies of all correspondence! Copies if all payment's sent to the USbank Disaster Team and the OCC with documentation of delivery receipt and posting!
Attempting a short sale. The buyer is a tenant in the property. The relationship was disclosed and short sale lender refusing to process short sale claiming that it is not an arms length transaction.
Im trying to unlock my credit report from Experian. I was unable to answer the question correctly. I 've called Experian trying to correct the issue. But they are unable to help. They did send my personal PIN to the incorrect address, so someone else other then my self has my PIN. I told Experian about this and they said mistake happen and they we not concerned they sent my PIN to another person.
XXXX RAN MY CREDIT TWICE AND GAVE PERMISSION TO RUN SOLF ONLY
On Sunday,  XXXX   XXXX ,  XXXX , I was placed in handcuffs by  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  and a non-jurisdictional  officer f rom   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and was transported to  XXXX   XXXX   XXXX  Jail in  XXXX , VA because I refused to sign a warrant for arrest concerning a violation of protective order against  XXXX   XXXX . This is the third attempt by  XXXX   XXXX  and  XXXX  family, et al. to attack my professional career   XXXX   XXXX   XXXX   XXXX   and housing known as  XXXX   XXXX   XXXX   XXXX , VA  XXXX  with tactics such as protective orders when the property does not belong to them and was never agreed to be signed over or consented to being signed over by  XXXX   XXXX   XXXX . There is no remedy for a person that does not want to sign over their property to another party or sign agreements that does not protect their rights. The  Quit Claim  Deed sent to the  XXXX  and that was given to their attorneys will be attached. That is the only agreement  XXXX   XXXX   XXXX  will be consenting to. I was not allowed to make a phone call until I was booked and during booking I made it known in writing that I did not know that I was under arrest or being charged with anything because I was not read my rights or informed of what charge I was committing.     Please find the final correspondence ( quit claim deed ) to the  XXXX  regarding their usage of the property or property address known as  XXXX   XXXX   XXXX   XXXX , VA  XXXX  that was not agreed to be granted to the  XXXX  or  XXXX  or others by  XXXX   XXXX   XXXX . It has been filed with court documents in the  XXXX   XXXX    XXXX   XXXX   XXXX    room  XXXX   XXXX   XXXX . :  XXXX  ) and in transferred court documents  XXXX   XXXX   XXXX   XXXX  v.  XXXX   XXXX , et al. as described in the complaint,  XXXX   XXXX .  XXXX   XXXX  in  XXXX   XXXX   XXXX   XXXX   Court . The  XXXX  and their attorney  ( s  ) have accepted receipt of the document in those court records. The filing fees that covered these filings were by  XXXX   XXXX   XXXX  in the amount of {$86.00}  XXXX   XXXX / XXXX / XXXX  ), {$12.00}  XXXX   XXXX / XXXX / XXXX  ), {$24.00}  XXXX   XXXX / XXXX / XXXX  ), {$260.00}  XXXX   XXXX / XXXX / XXXX  ) with all receipts attached ; totaling {$380.00} that covered all documents filed and responded to by  XXXX   XXXX   XXXX . Amongst those in the filed complaint was  XXXX   XXXX   XXXX   XXXX   XXXX  under receipt #  XXXX .  XXXX   XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX  under receipt #  XXXX .     Additionally, the individuals filling out these forms should be required from placing another individuals address on the form as the address on those forms and other recent forms is a  XXXX   XXXX   XXXX   XXXX  address and just because I am FOUND at that address does not mean I own the address. The same applies with the  XXXX , et al. Just because they are FOUND at that address and use that address on documents, it is not an indication or assurance that they OWN that property or address. The  XXXX , et al. does not OWN the property known as  XXXX   XXXX   XXXX   XXXX , VA  XXXX .
XX/XX/XXXX my XXXX year old father got XXXX into renewing his lease on a Nissan Altima that was about to expire and the local Nisan dealership contacted him with a year end leasing deal on a XXXX Nissan Altima without taking into account that he was only driving XXXX miles a year. As soon as he drove the new ( the XXXX 's were already being sold ) off the lot he lost about {$2500.00} which was not accounted for in his lease. I took over his finances in XXXX as he was diagnosed with XXXX and tried to renegotiate or get out of the Lease which was for 39 months at {$410.00} per month and allowed XXXX miles. 
Nissan Motor Acceptance would not negotiate and said even if he could not drive due to his XXXX he was liable for the full amount of the lease. So we sucked it up and paid it for 39 months and turned it in with XXXX miles or XXXX % of his available mileage. The car had a small XXXX inch tear in the front bumper cover which Nissan claimed as chargeable wear and tear and they also wanted {$390.00} for a disposition fee and would not budge on both despite repeated calls and E-Mail complaints to Nissan Motor Acceptance about the charge totaling {$950.00}. After sending only XXXX statement with a due date of XXXX XXXX XXXX they sent this to a collection Agency on XXXX XXXX XXXX instead of negotiating with me a reasonable settlement based on the low miles on the vehicle. 
I would be willing to settle this for {$250.00} as my Dad is now XXXX and in an XXXX and does not have much money left.
The attached document is why Nationstar Mortgage will not investigate this matter. I would like the cfpb to look at the attached documents and also send it to Nationstar mortgage
Equifax, XXXX and XXXX XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
I had a medical bill appear on my credit file a couple months ago FROM XXXX XXXX XXXX I contacted the CREDITOR and the account was settled I provided paperwork to the credit bureau and the collection was removed. The collection has now appeared back on my report THROUGH XXXX XXXXXXXX XXXX I submitted my paperwork for the company and the credit bureau refuses to remove incorrect information. The balance shows {$0.00} however the account is reporting as unpaid.
I have disputed all inquiries on my credit report, I have notified every credit bureau & the companies of each credit inquiry. I have put a fraud alert on my accounts and yet inquiries still keep popping up on my credit reports with Equifax. I have disputed by mail and over the phone on several occasions & Equifax doesn't seem to want to stand by the FCRA rules. Upon further research & investigation both XXXX & XXXX removed all disputed inquiries. I don't believe that Equifax has done any investigating into this situation at all. I am asking Equifax to abide by the laws & delete the unauthorized inquiries. I do not want to have to take Equifax to a small claims court but it's looking like that's the direction they are wanting to go in. I want these unauthorized inquiries deleted off my credit report & I'm going to do whatever needs to be done to get my results. I did not authorize any of these & it's damaging my credit!
We agreed to a loan modification with Ocwen Loan Servicing , LLC . Our Relationship Manager, XXXX XXXX, was very professional and helpful. Each conversation with him was recorded. He kept us informed every step of the way. He assured us that we would have no balloon payment. He repeated several times that our loan modification was approved without a balloon payment at the end ; the numbers were computed with a lower interest rate. None of XXXX XXXX 's paperwork for our file showed this balloon payment. However, Ocwen has tacked a balloon payment on to our loan despite our being reassured that it was not applicable. Our Relationship Manager has repeatedly requested that the balloon payment be removed from our account. He has gone through every channel he knows, without success. Our conversations with our Relationship Manager were recorded. We are both XXXX and, with current lending guidelines, are unable to refinance to get rid of the balloon payment, or even obtain a loan to pay it. We recently learned that CFPB could help us in this matter, or we would have turned to you much sooner.
In XXXX 2017 I increased my direct draft amount from the min monthly pmt to the next whole {$100.00} 's to add a little bit on the principle payment each month. On XXXX first the larger payment was drafted from my checking account and has successfully drafted on the XXXX and XXXX each month since ( XXXX, XXXX, XXXX, and XXXX ). On XX/XX/XXXX an employee miss applied one of those drafts as a payment all on principle. Since that time the company has called me several times at the beginning of the month and around the XXXX of the month to notify me that my mortgage payment is late. The phone calls began onXX/XX/XXXX. I worked with the caller on the XXXX to identify what the problem was and was told that the error was on their part and that they would fix the application of that payment on XX/XX/XXXX and there would be no further action needed by me. Then XX/XX/XXXXcame and so did more late payment collection calls. Again I went round and round with the customer service department and called back several times the first week in XXXX to get this resolved. I thought it was done until the calls started again on XX/XX/XXXX. Again I explained the problem, the rep looked at the acct history and again I was assured that the problem would be fixed. The XXXX calls actually started on XX/XX/XXXX this time and I was assured by several customer service reps and supervisors that the issue would be resolved, they had expedited the problem up the chain of command and the rep would call me back on Monday to update me on the progress of the resolution. It is now Thursday,XX/XX/XXXX and the rep will not take my calls and when another rep asked her for an update she told them that she did n't have anything to tell me yet so she did n't need to actually speak to me. I have a letter datedXX/XX/XXXX, the day after I was assured the problem would be resolved, stating that my payment is late and " As required by law, we may report .... to the credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. '' This problem and " late payment '' is not my fault and it is just shy of 2 months since the company miss applied my payment causing me to be late. I need help to get this resolved please.
Recently I went on the Equifax web site the company set-up after the data breech that exposed personal information of 143-plus million consumers. The web site was advertised as a tool to determine if your ( meaning consumers ) personal information was breeched. I entered the required information and received the following reply from Equifax -- - '' based on the information entered, your personal information MAY HAVE ( emphasis added ) been compromised. '' I knew that already! I went on their web site to determine with specificity if my personal information was compromised. My question to the CFPB is this ... Does Equifax have an obligation to inform all people by mail ( since the web site is useless ) IF they are one of the millions effected by the breech?
Wells Fargo XXXX XXXX x XXXX. - {$130000.00}. XXXX {$69000.00} XXXX XXXX x XXXX. - {$99000.00}. {$23000.00} XXXX XXXX x XXXX - {$65000.00}. {$110000.00} {$200000.00} PAID + {$53000.00}????? 
{$260000.00}! 

WHAT WAS THIS?. WHEN DID I SIGN THIS? Was this the 'second first XXXX loan released in both XXXX and XXXX??? 

To the CFPB. this was on YOUR watch. 
HOW did Wells Fargo STEAL my property? 
Wells Fargo took my duplex for money I DID NOT GET! did not save.and $ XXXX.i paid. 
And Probably the money I just paid on a loan modification on my HOUSE! 

Why is this OKAY?
Ditech XXXX is in violation of 15 U.S.C. 1692e, a section of the Fair Debt Collection Practices Act ( FDCPA ) that prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. Ditech has provided me a 3 page ARM note that they have claimed is the legal document allowing them to collect the payments for my mortgage. i have notified Ditech multiple times regarding issues with the XXXX page ARM note. The first issue is the endorsement that is on page 3 of one copy provided by Ditech the other copy they provided of the same document lacks the endorsement. The second issue is that there is distinct tick marks in three places on one copy of the document and void on the other copy of the document. In these two varying documents that are supposed to be the same and original to show a legal interest in my mortgage and the ability to collect payments it brings clout to which copy is original. The third issue is with my signature as it lacks certain traits that can be easily seen in other signatures made by me at that time on various other pages of my mortgage documents. It is my conclusion that XXXX has ignored my attempts to bring this issue to their attention and instead has disregarded them. They have fraudulently made changes to this document in an attempt to show they have a legal right to collect on my mortgage. There has been no explanation provide to why the same document has been provide by them to me with altercations made from one copy to the next. Ditech XXXX XXXX. Being the current servicer of the mortgage loan has failed to meet the requirements of licensing in the state of Hawaii or provide after multiple request such documentation showing that it has meet and followed all state law. They have violated both 454M-2 license required and 454M-6 requiring a license to perform loan modifications. 454M-2 License required. ( a ) No person except those exempted under this chapter shall engage in the business of mortgage servicing without a license as provided in this chapter. ( b ) No person shall engage in the business of mortgage servicing in this State unless the person providing services has a physical presence in the State pursuant to section 454M-5 ( a ) ( 5 ).

( c ) No person licensed as a mortgage servicer shall provide mortgage loan modifications or any other services that would require licensing pursuant to chapter 454F
I've sent Equifax the results of my investigation for fraudulent accounts listed on my credit file and Equifax and Equifax has not kept any of my docusments on file. 

On XX/XX/2018, I faxed documents to Equifax, They verified recieving my documents then I called back two days latter and they said it was no longer there. 

On XX/XX/2018, I faxed documents to Equifax, They verified recieving my documents then I called back two days latter and they said it was no longer there. 

On XX/XX/2018, I faxed documents to Equifax, They verified recieving my documents then I called back two days latter and they said it was no longer there. 

Equifax initated a dispute without my consent. I had already sent equifax, unrebutted facts that were established. Equifax recived a Affidavit of Identity Theft, results of a UCC 11 search, Police Report, and Affidavit of Truth, as well as a cover letter detailing the information and my intention.
I received a Promotional mailing from Synchrony Financial for my Synchrony Home credit card stating that I would earn {$150.00} cash back on a purchase of {$1400.00} or more with my Home Credit Card on purchases made before XXXX XXXX, XXXX. I made such a purchase at XXXX XXXX XXXX for furniture in the amount of {$1800.00} on XXXX XXXX, XXXX. When I contacted Synchrony in XXXX about the promotional credit I was informed by them that they " posted '' my purchase on XXXX XXXX, XXXX, ( one day after promotional ended of course ) and therefore I am not eligible for the {$150.00} credit. Purely fraudulent in my view.
My Husband & I joined XXXX XXXX a year ago and I am on the account.We always paid our bills on time.Since joining my Husband has ended up in XXXX & left me with XXXX money. I am low income & have a small child to raise.Our FINAL bill was {$160.00}, I emailed XXXX XXXX asking for a payment plan of {$20.00} a month ... .more if possible.They accepted my request.My first payment was for {$20.00} & my second for $ 50.All the sudden I got a call from a collection agency named GC Services requesting the remaining balance of 99.00.I was upset bc my account was actively being paid off already.I never breached any agreement with XXXX.But I agreed to pay the balance on XX/XX/2018, as long as XXXX sent me a email or letter promising that they had not damaged my Husband 's credit record already.Not a lot to ask, if I am gon na pay them as requested.Tmw is XX/XX/XXXX & I have received nothing from XXXX, to this day . GC Services promised that I would.
This complaint is in regard to Bank of America and a account promotion I received for opening a checking account. The complaint is for deceptive marketing practices and failure to honor terms of agreement. 

I opened a checking account at the branch in XXXX MD on XX/XX/XXXX and mentioned to the representative that I was there specifically for the promotion. I brought a copy of the promotion received. 

The stated promotion I received was for {$300.00} for direct deposit totaling over {$4000.00}. I completed the terms in early XX/XX/XXXX. I called the bank representative XXXX XXXX in late XXXX and she assured me on XX/XX/XXXX that I would receive the promotion and gave me a personal call stating that. 

As of XX/XX/XXXX, I still have not received the promotion and she is now backpedaling what she told me and for me to contact XXXX XXXX to have the promotion paid, which doesn't make any sense to me. This is completely deceptive and I want the promotion to be paid as I have fulfilled the terms of the agreement.
I spoke with Fay Servicing on XX/XX/XXXX requesting a billing statement which reflects the amount due in order to bring my account current. My account manager- XXXX advised that she could resend a demand letter that was sent previously. I provided her my email address and re-authorized email communication as it was done previously. In the interim, she provided me with a payment amount of {$2700.00} needed to bring my account within 30 days past due. She also suggested loss mitigation as I fell behind on my payment due to a car accident. I explained to her that the amount was being paid by a settlement/modification wasnt needed. I sent a payment of {$2800.00} on XX/XX/XXXX. I begin to make monthly payments the following month with no further communication from Fay. On XX/XX/XXXX ; I received a letter explaining that my XXXX payment of {$980.00} was not accepted as my account is in pre/ or active foreclosure. The check payment was returned uncashed to me. I immediately emailed my account manager for clarification on why the payment was returned. My account manager called on XX/XX/XXXX-unaware of the email sent or returned payment ; requesting an update on the loss mitigation documents. I explained the issue/she located the email sent while we were on the line. Upon further research ; she explained that the {$2800.00} payment was misapplied to another lien account. She explained that she would reach out to her manager to have the payment applied to the correct account XXXX ; collections activities would cease and I can make payments going forward. On XX/XX/XXXX ; I received a {$2800.00} refund check from Fay Servicing. I called in on XX/XX/XXXX and was advised that there was a request to refund the misapplied payment vs apply to the correct account/that the account is still in active foreclosure. Please assist with getting a reinstatement amount/ additional processing fees waived. This is the 2nd issue that Ive had with misapplied payments.