WillisBack/dataset-financial-user-claim huggingface dataset:
We have been in touch with XXXX XXXX directly and also through your system. 

We have Conformation # XXXX for payment on XXXX/XXXX/XXXX for XXXX. 
Letter of Receipt from bank saying they received the payment with our correct full routing number and correct last XXXX of our bank account. We have a documented conversation with supervisor XXXX XXXX as well as her employee # XXXX. 
XXXX XXXX explained to us that XXXX XXXX had NOT Processed the payment, no fault of ours and that no late fees or late notice would be filed - XXXX XXXX bank error We have Conformation # XXXX for payment on XXXX XXXX, XXXX Letter of receipt from XXXX XXXX saying they received payment with correct full routing number and correct last XXXX of our account number. Note from speaking with representative telling my XXXX that XXXX XXXX just did not process. 

We were contacted by XXXX XXXX saying they would look into it, They told me they listened to recording and have no proof that we did not give them a wrong number? With all of our payments we depend on Conformation numbers to say we have made our payment, then to get a letter to say the same. Only to have the bank XXXX out of taking off this MIS-Reporting because they state the date THEY PROCESSED, which is after they noticed THEIR mistake. 

This is WRONG reporting on both My credit report and my XXXX. 
We need CFPB to protect us here, as we are dealing with a KNOWN PREDATORY BANK. They really hurt our credit and it is NOT OKAY. 

Please Help XXXX, XXXX & XXXX XXXX
I have disputed my loans several times, have been sent to late payment status and my credit score is being affected. I did take out student Loan but school I attended was closed due to fraud. I am no longer  available to transfer credits or finish course
I have three unknown inquires on my credit report. They are from XX/XX/2018 one is XXXX XXXX XXXX XXXX, the other is Regions Bank the last one is XXXX XXXX
I have written to both Experian and XXXX credit agencies to challenge the reporting and compliance of an open account that is reporting under a incomplete account number ( XXXX ). There are ( 2 ) accounts reported by XXXX XXXX with the same partial account number and the information that is reported is misleading. 

More specifically, I am referencing the fact that the information XXXX XXXX is reporting to both my Experian andXXXX files has an incomplete account name, an incomplete account number, an incorrect account type, inaccurate account balance, missing field description of terms, missing filed high balance, missing filed comments, incorrect past due balance dates reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018. 

As per section 609 of the Fair Credit Reporting Act the CRA is required to report the entire account number and a 100 % accurate account information. Please remove this inaccurately reporting account from my ( 3 ) credit bureau files.
On XXXX XXXX, XXXX we were served a notice of default with XXXX, XXXX XXXX XXXX. We were put through a modification and on XXXX XXXX, XXXX we were Approved for a loan modification and they set up XXXX trial payments. After making the first payment our loan was transferred to XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX servicing. We made all three trial payment XXXX XXXX, we kept on top of the sale date with their appointed attorney, and they continued to let us know there is no sale date everything is still on hold while we complete our modification. We spoke to XXXX XXXX XXXX bank when we made our XXXX payment on XXXX XXXX, XXXX They said everything looked good and they were sending out the paper work for the permanent modification and that had to be notarized. XXXX on XXXX XXXX, we received a notice of Acquired XXXX. Come to find out XXXX XXXX on our home, with no sale date, after successfully completing our trial payments the day after we gave them our XXXX XXXX payment. We were scammed out of our home. They gave us no notice of denial of modification, no sale date was posted to the door, no notice!!!!! We did everything on our end on time. They are liars and should be held accountable for their actions, this is dual tracking and is illegal in the state of California. We will be contacting an attorney as well.
All XXXX credit agencies require I pay for credit report from them to get an id number so that I can dispute fraud address on my report. This report number will then enroll me automatically in their protection service plan. Victim of identity theft and credit card issued in my name.
I noticed on my credit report that Second Round LLP has us in " collections '' XXXX from Second Round called me on XXXX/XXXX/15, i did not receive a letter, no verification when he called, he did have some personal information but not exact, he pulled our credit report w/o our consent. He was " fishing '' for info, during his call he THREATENED to take legal action if i did n't agree to pay. He said he would send a verification letter, he never did. He got very hostile when i questioned him. I never heard back until i saw them listed on our credit reports.
I had to have an insurance check endorsed by Nationstar. I talked with a number of people, was put on hold, hung up on, finally talked to XXXX, who said to make up for poor service, would expedite handling and overnight to endorsed check to me so I would receive it XX/XX/2017. The post office said it was delivered Tuesday, XX/XX/2017. I called XX/XX/2017 as I had not received the check ; XXXX of the Loss/Draft/Correspondence department told me it had just been entered into their system on XX/XX/2017. XXXX called me at the end of her shift to let me know it had been overnighted on XX/XX/2017 ; I would receive it Friday, XX/XX/2017. When I 'd not received it, I called again, eventually speaking with " XXXX '' while discussing the issues I 'd been having with " XXXX '' on XXXX. XXXX finally admitted he had NO control over any of the processes, but he would call me with the resolution. He had " XXXX '' call me at approximately XXXX EST XX/XX/2017 to tell me the endorsed check was at XXXX and overnighted for delivery on XX/XX/2017. I asked specifically if the check would be delivered on Saturday, and was told yes. After repeatedly being lied to about the status of this, I checked XXXX. The check was NOT at XXXX, it was pending pick-up. It was not sent Saturday delivery, estimated delivery is Monday, XX/XX/2017. I messenged XXXX, who states she 'll get back to me Saturday after she reviews the issue - again. I called XXXX - the office is closed until Monday. I am sick to death of the constant lies, disrespect, waste of my time, etc. I have spent over 6.5 hours this week trying to get an honest answer about this, and I still do n't have any idea of what is going on.
Equifax have placed my file in the consumer affairs department and refuses to block the fraudulent items that are on my credit report. Every time I call in to request they remove my credit file out of the fraud department, a lady by the name of XXXX XXXX is very rude and tell me it will remain in the consumer affairs department. There are fraudulent addresses and accounts that are on my file the department refuses to block and remove.
XXXX sold my loan to Carrington I am in the process of refinancing and after several attempts XXXX and myself have not been able to get my payoff from Carrinton. 
How do we go about them giving us a payoff?
XX/XX/2018 called said they tried to serve me at my job I don't work so not possible. Said if miss court date used foul language. Call back number is XXXX.i located them to be in Pennsylvania. When I asked for company name they said Cordova and wexler when asked for address they hung up.i called back voicemail said 8 by 8.didnt give me case number asked for personal information.
It 's been very difficult working with this bank. 
( 1 ) As you may have on file, I previously reported their unfair fees and penalties to your agency. Your agency helped me with this. 
( 2 ) It 's been months, if not years, that their online payment system has been strange. It used to ask questions that were nonsensical. I finally called them to get things straightened out, and made a payment online. However, they said it was entered with the wrong information. They never proved it. It may be fraud. Yes, they charged me penalties. 
( 3 ) Most recently, their business changed in some way, and the minimum due increased by about 50 % ( from {$59.00} to over {$90.00} ). I barely use the card. Today, I spoke with XXXX XXXX, and she said that my previous payments of {$59.00} ( the automated system 's minimum due ), had been too low. I was following what the automated system said. Most importantly, Their online system has been so messed up that I had to phone them in order to pay my bill.
I paid my bill ON TIME, the bank charged a {$27.00} late fee in error. I contacted the bank in writing, ordered them to remove the late fee and never received a response. This ridiculous financial institution deliberately routes all customer issues to a " CALL US '' customer center, which is completely useless to me because I do not do telephone calls and since they do not answer mail in writing, a customer in reality has NO WAY of reaching the bank except via voice telephone. The bank also has NO electronic message system like all other financial institutions.
DITECH company has failed to pay my property taxes. However the mortgage statement showed that they used my escrow funds to wire the payment on  XXXX . I call ed  XXXX  times and sent them  XXXX  letters. They have given me  XXXX  different and contradictory re asons why the payment has not been posted by  XXXX   XXXX  property taxes. I had to paid the first half payment.      DITECH  also told me that my insurance company had billed them for homeowners insurance. This is a lied and my insurance company faxed them proof an dpayment of my home owner 's insurance.
On XX/XX/XXXX I contacted procollect to figire out how much I owed they said I owed {$290.00} bit would settle for {$200.00} if I paid within 24 hours which I agreed and drove to thier business location and made my payment I was told that on the XX/XX/XXXX they would report I had paid in full which they failed to do they they reported I only paid {$200.00} and owed {$95.00} I called them Friday XX/XX/XXXX and immediately asked me to make a payment of {$95.00} which they claim I owed I explained to Mr XXXX what had happend she asked for my email to send me some paperwork stating I don't owe anything which I never received I have proof and receipts to show we settled and that it would be removed from my credit I'm in total shock and disbelief that a business can do this to people who are trying to take care of there owed payments and credit for a company like this to XXXX up my credit just because.
Myself and the staff at my job have ask them to stop calling the work phone after they have call 5-10x in one day\ in less than 10 seconds apart. 
You ask who they are and they get really rude and aggressive. 
After explaining to XXXX at Web-cash that we ca n't accept any personal calls at work he became even more aggressive. 
I 've explained that i ca n't talk about person business at work. and I 'm not even sure if I 've ever had a loan with them.
XX/XX/208, American Express bluebird til {$44.00} from my account. Labeled as XXXX American Express. I called them and was told it was a computer glitch that double charged me. I was also told it happened to other prepaid users, blue bird and serve card. 

Every day I call, get told oh we know about it and it will be fixed in 24 hours, if not call us back. Every day for 5 days now. 

They are aware of their own computer system taking consumers money illegally and not refunding it. 

Escalated to countless supervisors and still no money back in my account. They were never authorized to take the amount nor hold it. Best I can hope for is to get it back, in the meantime, that money was to go to bills, food and gas which has put a dent in my day to living.

I am tired of calling and being on hold for over an hour just to be hung up on or hear the agent laughing with their co workers and no addressing the issues.
I had checked XXXX XXXX around XXXX XXXX as I prefer to stay on top of my reports, and then again around XXXX XXXX to find that all my inquiries had been removed and then reinserted. I also was NOT notified in writing within five ( 5 ) days of the reinsertion which is actually against Federal Law. The inquiries were removed and put back on, and I had called and spoke to numerous reps who just assume hang up on you, or tell you repeatedly that they can help you with the inquiries, but also tell me that no one was affected by the glitch. Even with proof in hand, and they flat out absolutely REFUSE to connect you to a supervisor or anyone in American offices to handle this matter per your request. After 5+ calls, I gave up. None of the Reps were remotley helpful or even knowledgeable, some knew and would say more or less sucks to be you, and some were even belligerent and knew of the issue but told you too bad.
I was working on a shortsale with Bank of America on my home that I could no longer pay. I hired a licensed real estate agent and they got me a shortsale approval then Bank of America could n't find the XXXX mortgage and when we finally figured out a resolution bank of america foreclosed on my home even though it was in active review. We had confirmed with the negotiator that the sale date was on hold a day previous to them foreclosing on me. I did everything the bank requested. I turned in paperwork and have been completely cooperative and now I feel like I was done an injustice.
Venmo is a money transfer application that withdraws money from one bank account and deposits it in another. There is a social media element to it, as people can publicly post what the money is for. After the XXXX embargo was lifted, my boyfriend, sister and I thought it would be great to surprise my father with plane tickets for his birthday. I transferred my boyfriend {$400.00} to cover the tickets for my family members, referencing XXXX in in the post as to what the money was for. I received an email that my transfer was being reviewed per OFAC regulations - apparently the reference to XXXX brought up an issue for National Security. 
I replied to the email, stating that we had since decided, for completely unrelated reasons, to change the trip from XXXX to XXXX ( The XXXX tickets that were on sale, which we initially were going to purchase, would have put us on XXXX for less than 24 hours. We chose to visit a city in the US where we could have a FULL weekend instead- XXXX , GA ). However, Venmo representatives continually stated that they needed my OFAC license or a detailed itinerary before they could refund the money. I can provide neither of these things, because Im not GOING to XXXX anymore. Its been 6 days and they still have not transferred or refunded the money. It has been taken from my bank account, and is being held in limbo out of my control. Attempting to explain this situation, I have called the customer support center, but apparently the 'compliance ' department that reviews money transfers like mine is unavailable by phone. They can only be reached by email. I am frustrated that the emails request the same, non-existent documents over and over again and I have no other way to speak to the compliance department. The money has basically been stolen for an overly extended period of time, with no refund date in sight. I filed a customer service complaint with the XXXX, and tried calling one more time to see what could be done, but to no avail. It is for this reason that I am hoping the CFPB can help me. Please look at the methods and services being implemented by this company ensure that they review threats timely. This is not a National Security team ; its a group of venmo employees playing recklessly with funds that are n't theirs, and it should not be allowed to take place this way with no first hand information or contact available.
Account was paid in full company cant produce a statement hoeing where the acct was paid in full or even if I still owed money which I do not
A letter was sent to Midland Funding inXX/XX/XXXX requesting  verification of a debt and also requesting that any and all correspondences be sent in writing. Today, XXXX XXXX, at apx XXXX XXXX I my employer received a phone call from Midland Funding regarding my employment status for an unverified debt.

It is illegal to contact an employer regarding an individual's personal debt.

This company Midland Funding, has not responded to my written requests to validate this debt and I am requesting that this debt be removed from all three of my credit reports because it has not only been over 45 days since they were contacted regarding proof of this debt, but have also ignored requests to not contact me or my employer by telephone.
I 'm filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank You.
I am bringing to your attention a matter that has significantly disrupted my life and caused me severe hardship. This collector continues to report an account on my credit report that should not be there. On XX/XX/2017 I wrote to this company and had them served notification of my dispute by certified return receipt mail where I asked them to either validate or delete the account from my credit report. I asked that they produce my signature to show where I agreed to pay this alleged debt along with all other documents that I may have signed and agreed to. No such documents were produced and yet the company just kept on reporting the account on my credit report as a valid account despite my dispute to the credit bureaus. My legal counsel has advised me that this is a violation of Sec 809 of the Fair Debt Collection Practices Act that is enforceable in court
I have a mortgage with Roundpoint Mortgage Servicing Cooperation. My mortgage has an escrow for payment of taxes and insurance. On XX/XX/XXXX, I received a notice from my insurance carrier that my property insurance policy had lapsed due to non payment. The payment was due onXX/XX/XXXX ( the effective date of the policy ). The notice from the insurance company also said the policy would not be re-instated if the payment was not received by XX/XX/. I immediately called Roundpoint Mortgage on the morning of XX/XX/XXXX and basically got the runaround. While they admitted that they did not pay my insurance bill from my escrow account, they said they could not tell me why. They said they would need to call my insurance agent and I would have to call back to get an update. They were unwilling to call me to give me an update. After about 30 minutes on the phone with Roundpoint, the agent disconnected me ( hung up on me ). 

I called back about an hour later and got an another agent and had to start over on my problems. Apparently no notes were placed on my file by the first agent I talked to. This time I was on the phone for over an hour. Again, with no resolution or satisfaction. They said it generally takes 3 - 5 business days to get a payment out, but they had to depend on the insurance department for this. I told them that the payment need to be overnighted that day since the notice said the policy would not be re-instated in the payment was not received by XX/XX/XXXX. I was again told their normal policy is the get the payment out in 3 - 5 days. I told them was unacceptable since this was their error and my home current has no insurance. 
The attitude toward my problem was totally unacceptable and there was no sense of urgency in getting it taken care of. Isn't it illegal for this mortgage company to hold funds in my escrow account and not pay my insurance? When I got the mortgage I was required to have an escrow, yet this company is not required to pay my insurance out of my escrow account? Totally unacceptable! And no sense or urgency in getting it resolved. And no explanation about why it happened.
I have had a freeze on my credit reports - all 3 Credit Reporting Agencies as of XXXX. My Identity was stolen and I filed an Identity Theft report on XXXX FTC Report # XXXX. I am granted 7 years free credit alerts as a result. 

All 3 companies, XXXX, XXXX  and TransUnion have the freeze in place. All 3 have provided me with SPECIAL SECURITY PASSCODES if I need to access my information. Unfortunately, the only questions they ask are : My name, date of birth, social security #, and address - I've made numerous phone calls to all these agencies between XXXX and XXXX. None of them ask for the PASSCODE. I explained that that should be the 2nd question asked after my name - before anything else - to prove I am who I am ... ... they just told me they followed their security measures which are asking for the same answers that " the person who stole my identity '' has. I was very upset that a " XXXX XXXX '' or whoever stole my identity already has this information - and at no time did they DO NOT ask for my security passcode. They just tell me they don't ask for it. 
As a result of their " less than secure '' policy, on XXXX XXXX XXXX XXXX XXXX XXXX FL, even though I have a freeze - allowed someone to open a checking account in my name. Now I am getting collection notices for default from a XXXX XXXX XXXX. for {$92.00}. This shows up on XXXX  as an Inquiry. I have NEVER dealt with this company and they should NOT HAVE BEEN ALLOWED to access my credit report. I also did not receive an alert of this inquiry being made. 

I believe the best form of security measure for anyone who has had their identity stolen that each of these companies adjust their security measures to ASK FOR THE PASSCODE immediately after a person 's name. I am quite upset that even though I have followed every possible measure to secure myself from further identity theft issues, all 3 Credit Report agencies don't seem to protect the consumer - they just rather do their standard security measure of asking information the thieft has - which isn't working. 

I am asking that each of these reporting agencies specifically MADE NOTE ON MY CREDIT REPORT TO ASK FOR THE SECURITY PASSWORD THEY PROVIDED TO ME BY MAIL AND NOT ALLOW ANYONE TO RECEIVE ANY INFORMATION ON MY CREDIT, NOR BE ALLOWED TO MAKE ANY KIND OF INQUIRY. I also have opted out through the government website to not be mailed or allowed any institution to send me solicitations. 

There have been other attempts also to breach and steal my identity - XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX and XXXX. 

Please help solve this problem with all 3 of these agencies - they don't seem to be following the rules and protecting me from further fraud issues.
Keep Receiving calls from Diversified Consultants, two of the numbers calling from are : XXXX & XXXX. They are asking for XXXX XXXX. My name is XXXX XXXX. There is no XXXX that resides at my address. I 've told them 4+ times over the past month, but they continue to call and call. 

I do n't have any debt owed that is outstanding. XXXX is not a resident of this household. Please have them stop calling me.