WillisBack/dataset-financial-user-claim huggingface dataset:
I have a mortgage with Nationstar Mortgage, whose address is XXXX, TX XXXX. On XXXX XXXX, 2015 I received a notice that my escrow account for property taxes had a shortage of {$960.00}. I was told I could either pay the full balance and keep my regular monthly payment the same, or have my regular monthly payment increase by {$110.00} per month from {$1900.00} to {$2000.00}. I chose the former and wrote a check to Nationstar for {$960.00} as instructed. That check was cashed by them on XXXX XXXX, 2015. However, due to an internal error on their part, someone misapplied those funds and chose to add that amount as principal reduction rather than to my current escrow balance. As a result, unbeknownst to me, the system maintained the monthly payment amount as {$2000.00}, So when I made my regularly scheduled XXXX 2015 mortgage payment of {$1900.00}, the system did not show the balance as being paid in full and charged me a late fee. It also suspended the payment from being applied to my account so that my credit is negatively affected. I called Nationstar on XXXX XXXX, 2015, to figure out what happened and after an hour of back and forth with very poor customer service or assistance, the woman XXXX stated that the matter was resolved, the funds would be properly applied and my payment would stay the same. However, on XXXX XXXX, 2015 when I went on the Nationstar website to make my XXXX 2015 payment, it still showed the incorrect higher amount was due. In addition, it showed that my XXXX 2015 payment was still in suspension and had yet to be applied. Again, this affects my credit and causes extra fees to be applied to my account. So I again called customer service on XXXX XXXX, 2015, and spoke with XXXX. I went through the same discussion and transferring of calls back and forth that I did the first time. XXXX said that they had to ask for the escrow payment of {$960.00} to be reapplied to the outstanding escrow balance in order for the monthly payment to go back to what it was and that would take another 7 to 10 business days. Why the first lady did n't do that is beyond me! So now I have to wait another 2 weeks for this issue to be resolved, meanwhile my account shows as past due and it affects my good credit report.
On  XXXX   XXXX ,  XXXX  a family member purchased a first Bank  Bond  from the  XXXX   XXXX  Bank. The bond type is  a Bonus Grow Bond and they accepted for deposit the sum of {$500.00} with a 7.5 % interest rate as evidenced by the bank bond issued by t he  XXXX  Branch #  XXXX .     On  XXXX   XXXX ,  XXXX  my mother went to the bank to check the vaule of the bond and found it to be worth {$1100.00}. It is an automatic renewal bond. Sometime after  XXXX ,  XXXX  Bank was purchased by Bank of America. I have tried numerous times to contact BOA and have the bond cashed out but they say they can not find any information on this bond. the physically had the bond in thier possession at the BOA branch located in  XXXX   XXXX , SC and said they do n't know what to do with it. I have researched the sale of  XXXX  t o BOA and know that BOA, at the time of the purchase, assumed all liabilities and accounts. I want my bond cashed out, however they have refused to do so saying they have no record of it because its been longer than 7 y ears ago.
On  XX/XX/XXXX  I filed a Dispute with Eqifax to remove inquiries that were incorrect on my credit file, by  XX/XX/XXXX  I received confirmation that my Dispute was complete. The inquires we not removed and I was notified that it was factual. I called 13 times after filing 609 letters with all documentation proving that the inquiries made on   XXXX   XXXX   XXXX   was not made by me. I purchased my car  XX/XX/XXXX  and those inquiries fell off only to be done placed back with a date of   XXXX   XXXX   XXXX  . I received a letter that Equifax had a comprise into their system. Every rep I spoke to was rude and only replied with oh well it will come off in  XXXX .
I went online to request my credit reports ; Equifax stated I have to mail them my personal information such as a copy of social security card and my driver 's license through the postal service before they would release my credit information. The other XXXX failed to provide any information as their links were in-operable. XXXX XXXX did a report on their careless handling of the nation 's repository information and their inaccuracy. It prompted me to request my information because for the last six months I have been trying to get a job. I believe these XXXX are the sources of my pain. I am not comfortable sending my information through the mail and I should n't have to pay to send it express or registered mail. There so called credit repository are a disgrace to the nation and its citizens. Your organization should disbanned these XXXX.
I had a bank account with Wells Fargo they opened a total of XXXX banks accounts approx.. 
XXXX/XXXX/XXXX. I had my account froze because of an error or mistake on my XXXX taxes with Franchise tax board. They said I had owed {$2000.00} back taxes. Wells Fargo manager had set me up with XXXX Bank accounts and XXXX Saving accounts. XXXX total. I did not need the XXXX extra accts. Wells Fargo charged and withheld {$200.00} from me from the XXXX accts as well as XXXX took {$200.00}. I went directly to straighten it out with XXXX XXXX on not owing money. I got copies of my XXXX Income taxes from the IRS. I did not owe them. XXXX sent me a refund 4 months later for {$200.00}. I kept complaining and going into the branch to Wells Fargo bank manager about returning the money they took from all XXXX bank accts. He said it was not in his control to return back my money. I am so upset and want to resolve and retrieve the money the Wells Fargo still owes me. I had to close down XXXX bank accts since then XXXX extra bank acct and extra savings acct. that I did not need. The branch is off XXXX XXXX in XXXX XXXX area. Please let me know what I can do or what you can do to help this issue of getting my money back. Sincerely, XXXX XXXX ( XXXX XXXX XXXX XXXXXXXXXXXX
In the first complaint I submitted to CFPB ( to be more exact refer to complaint # : XXXX ) Experian replied that : verified that the disputed information was accurate as reported. The result summaries were sent to you for review on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. And with this, EXPERIAN closed the complaint on XX/XX/XXXX. On XX/XX/XXXX, I made a complaint feedback note for complaint # : XXXX and create new complaint # :XXXX, because the first one was CLOSED BY EXPERIAN . On XX/XX/XXXX, I received a notification from CFPB that EXPERIAN RESPONSE with the following statement : Unfortunately, at this time, we are unable to process your disputes, as they are not specific. We must have a specific dispute that includes the account name, account number or the name of the inquiry and the date, or if you are disputing personal information we need the specific name, address, employer or telephone number. And with this, Experian closed the complaint on XX/XX/XXXX. So, I feel extremely lost because in the first complaint, Experian said they verified and my disputed information was accurate as reported ; and in the second complaint, Experian says they can not do anything because they needs account information. This is unacceptable and I feel outraged. So, here I send you the information requested on complaint # : XXXX : XXXX XXXX : ACC # :XXXX : ( XXXX ) XXXX XXXX : ACC # : XXXX : ( XXXX ) XXXX XXXX : ACC # : XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ; ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX ; ( XXXX ) XXXX For all this five accounts  listed above, Experian failed to send proof of verification for each of the account. Also, all of these accounts were listed in a total of 9 USPS Certified Mail Letters that I send to them. I have copy of each letters as proof of verification. The LAW is clear ; all unverified accounts must be promptly deleted. Another crass error of Experian is that the date of birth is incorrect ; perhaps this is why these accounts appear.
SALLIE MAE reported to XXXX that I am 90 days past due on XX/XX/XXXX. This can not be true because I applied for a forbearance due to a hardship to cover me. It covered XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. For some odd reason, XX/XX/XXXXis past due. The forbearance should have covered me for XX/XX/XXXX. I filed a dispute online with XXXX on XX/XX/XXXX. On XX/XX/XXXX, the updated information doesn't show the 90 days past due information deleted from my credit report.
I entered into a vehicle lease for a XXXX Volkswagen Jetta at XXXX XXXX Volkswagen in XXXX, XXXX in XXXX XXXX. The lease was supposed to run until XXXX XXXX. However, I received XXXX in XXXX XXXX. I was XXXX for a total of 184 days. While at training, I attempted to terminate my lease under SCRA, but Volkswagen denied my application because they said SCRA would not apply if I was not XXXX out of the U.S. I applied twice more after that and still continued to be denied. Eventually, in XXXX, the dealership told my mother they would take the car back and she turned it in without issue. However, in XXXX I received invoices from the dealership stating that I was behind two payments for XXXX and XXXX XXXX. After calling the dealership, they told me that they had not completed the process for turning in the vehicle and that those two payments would be taken off of my account. However, in XXXX XXXX I received a statement from the Volkswagen credit department out of XXXX saying that I owed {$13000.00} for the remainder of the lease. I went to the XXXX XXXX legal office for help. The XXXX called the credit department informing them of my rights under SCRA and they told me to reapply to them since they are the ones authorized to process vehicle turn-ins. First, they gave me a fax number which did not work. Then the XXXX was able to email my paperwork to the credit department and I received a receipt that they received the email. However, after a week went by, they said they still had not received my email, even though they sent me a receipt notice. After re-sending the paperwork, they denied my application again citing that SCRA did not apply to me because I was not out of the U.S. and I was not on XXXX XXXX for more than 180 days, even though my orders show I was. The XXXX again called the credit department to inform them that they were incorrect and told the XXXX that they would look at it again and contact us when they reviewed it. I have still have not heard back, even though they are continuing to send me invoices. The XXXX and I feel that Volkswagen is being completely unresponsive and is not honoring my right to legally early terminate my lease under SCRA and at this point want to seek assistance from the CFPB.
Credit Acceptance has not resolved the issue of this account. First this account is too old to be reporting my credit. It was closed in XX/XX/2011. Furthermore they are saying that I was late when I never made a late payment. This account needs to be removed immediately. 

Also when reporting a late payment, it should show when I was late. It does not.
BSI Financial Services began calling my cell phone back on XX/XX/XXXX and has continued to call repeatedly over the last XXXX months to collect a debt from someone that I do not know. This cell phone number was issued to me as a new number through XXXX on XX/XX/XXXX so I offered to provide the company with proof of my identity and proof that the cell number was new. 

I repeatedly offered to FAX or mail proof of account/identity information to BSI, but they refused and told me each time I called that they would remove my cell number. However, the collection calls continued month after month. Each time, I would call back BSI at the extension given, the main customer service number option XXXX or use the BSI contact form to demand that they stop contacting me about a debt that was not mine. I also kept offering documentation which they refused over and over. I have proof that I contacted BSI after each and every call. I have proof that BSI have continued to call. I have proof that this number was a issued as a new service and does not belong to the debtor. I have left many voice mail messages for the agent " XXXX at extension XXXX '' with no response. I have left XXXX messages on voice mail for " XXXX 's '' supervisor BSI VP of Operations XXXX XXXX with no return call ever made to resolve this. 

I informed BSI in my voice mails to them that they were not to leave any more of this debtors personal information on my voice mail. The last called received from BSI was XX/XX/XXXX. At that time, I called BSI to inform them that I would be suing for harrassment in my local court system if I did not get a return call and was requesting mediation before pursuing them in court. I waited for several days with no response or return phone call. I filed a {$2000.00} harassment suit in small claims court XX/XX/XXXX that was sent to their Registered Agent in my state. 

I will happily pursue BSI civilly for damages, but I also want BSI to face steep fines for their non compliance with the FDCPA. BSI disclosed personal financial information to someone who is not a party to the debt in voice mails, failed to comply with the Federal do not call list and placing multiple harassing phone calls to a party who is not the debtor after being informed that the number was not a valid contact number. Please let me know how to pursue my rights and how you would like proof for this complaint to be provided to your agency.
I received a letter in the mail stating that all my credit cards have been closed as of XX/XX/2018. I have no idea why. all my accounts are in good standing, ive never missed a payment, and i havent done any illegal activity whatsoever. I was stunned for this to happen to me. This is just a case of pure bullying by someone who has more power than me. now, i am without a bank account of any kind, and i am missing all the lines of credit that were available to me. How am i going to keep up with my daily expenses? I have no idea ...
Can not access my own annual credit report, as well as questions prior to checking my credit report, the XXXX questions to verify my identity were answered all none of the above referring to prior loans never opened by me. Victim of identity theft and fraudulent activity
on XX/XX/2018 i noticed a garneshment in my pay in the amount of {$120.00}. 
I called hr and was given the phone number to a law office of XXXX, XXXX, XXXX, XXXX XXXX   XXXX i was told this was a collection of debt for a credit card from XXXX. 
when i told the associate that that debt had been closed more than 15 tears ago, i was told that it had already been before a judge and that there was nothing i could do other than pay the full amount owed. when i inquired what that amount was i was told {$1300.00} plus {$2700.00} in interest and {$120.00} in filing fees for the total of {$4400.00}. i asked how this had already been before a judge when i was never notified of any actions and the fact that this debt was settled over 15 years ago, and that XXXX is no longer in business. she just repeated its already been before a judge there is nothing you can do .since that time the amount taken from my pay has increased and at times been as much as almost {$400.00}. I recently purchased a home and this is causing my a great deal of financial strain. not to mention it has shown on my credit. i pay all my bills on time I have never even gad a late payment on any on my creditors what ever happened to due process? I drove to the court house and asked for copies of all documentation and that is attached. you are welcome to look into XXXX XXXX as I did and well you will see that they are doing this to thousands of people.please help. 
XXXX XXXX.
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. My name is XXXX XXXX XXXX, please delete all other variations. AS WELL AS Reoccurring Vehicles that continue reflect on my credit report associated with this address XXXX XXXX XXXX I HAVE NEVER OWNED A XXXX. XXXX, XXXX XXXX XXXX  XXXX WI XXXX I am no longer affiliated with these addresses. I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX , XXXX XXXX, OH XXXX I AM XXXX XXXX AS XXXX XXXX XXXX XXXX.
On X/XX/17 when attempting to retrieve our American Express online statement and apply our rewards balance, the on line site stated that our account was locked, but we still would be able to use our card. A pop up came on the screen to contact them at XXXX which we did and they said we needed to reset our pin. We followed these procedures although we had no reason or explanation why it was necessary. We went back on the XXXX site and it said the account was still locked. We entered into in a lengthy chat session during which the person said that the number we called was to reset the pin and had nothing to do with the lock of the on line system. After repeated tries to get the person to understand that we did n't just randomly make up this phone number and that it was the number that popped up on their website when the locked message occurred, I gave up and said I would report it to the FCC ( confused it with FTC ). At this point, he wanted to get a supervisor involved, but I declined. I researched and found the CFPB is the correct agency ( I think! ). I logged back on and got on a new chat to ask if the CFPB was the right agency. After the initial person and supervisor REFUSED THREE TIMES to CONFIRM that the CFPB was the correct agency, I got off the chat. In my opinion, this is a more egregious issue than the initial issue. We now called back to the original number again and the person unlocked the account. Still have no idea why it was locked, but this whole sequence of blunders by XXXX started with the original person not unlocking the account. Their chat support people gave numerous other reasons all which proved false. However, the most serious issue was their refusal to three direct questions as to the appropriate governmental agency to contact.
FIA CS does not have written authorization to inquire as to my credit. I wrote the credit reporting agencies, but no response XXXX Exhibit # XXXX XXXX.
I have a rental debt on all 3 reports. XXXX recently removed the debt XX/XX/XXXX because it has been 7 years however XXXX states the date for their removal is XX/XX/XXXX and Experian stated the date for their removal is XX/XX/XXXX. I am very confused if there is only one original delinquency date as reported by the creditor, why does the 3 bureaus report different dates.
Mail company stating do not call work number. Also, call them to stated to not call work number. They still calling my work number.
My credig report shows a hard inquiry for XX/2017 made by XXXX XXXX that i did not authorize. I do n't know who or what company that is. I did not authorize that. Please remove from all 3 credit bureaus. Thanks
In accordance to FCRA Section 609, these accounts was  further disputed in XXXX, XXXX, XXXX, and XXXX 2017. Ad Astra Recovery did not respond to initial dispute within 30 days as allowed by the FCRA. All dates in which I have stated I do not have account with AD Astra Recovery.  They have continued to report inaccurate information. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XXXX XXXX, 2017 and past 60 days when these accounts were initially  disputed. Ad Astra Recovery Service has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, Ad Astra Recovery closed the account with XXXX than it was reopened. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed the account on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I  feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XXXX/17. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from Ad Astra Recovery with filing legal suit against them.
I paid off my XXXX communications bill on XXXX XXXX, XXXX, and I received a collection notice on XXXX XXXX, XXXX. I contacted the bill collector, who indicated that they had no record of payment, and then I contacted XXXX, who had no record of payment. I researched my XXXX XXXX XXXX bank statements and found a record of an electronic payment for the exact amount due. These harassment tactics are oppressive.
XXXX XXXX XXXX- XXXX and XXXX will not remove this debt they have placed on my credit report. I never attended this college nor any college associated with them.