WillisBack/dataset-financial-user-claim huggingface dataset:
I am lodging a new complaint on an ongoing issue because my original complaint ( XXXX ) was closed out, although Transunion did not completely fix the problem. 

This is a joint account and they have failed to fix the error in reporting for my husband. When I spoke to Transunion on the phone yesterday XX/XX/XXXX, they claimed they had contacted our credit union and verified that we are late on payments. Today I spoke to our credit union and they said that have never been contacted by Transunion. In other words, the Transunion " supervisor '' I spoke to yesterday lied to me. If we were delinquent on our payments, how is it exactly that Transunion is able to clear it up for me but not my husband? I called Transunion today to report that the supervisor had lied to me. They refused to explain to me what their own internal process is for protecting consumers against this kind of dishonest behavior ( and were incapable of having a real conversation. The representative I spoke to today literally kept reading the same lines over and over word for word instead of responding to my concerns. It's baffling that they pay humans to read scripted lines when they can just have a computer do this ). We still have no resolution and this has been going on for 2 months. Again, the other two bureau 's are having no trouble whatsoever reporting correctly on this account. The account has a {$0.00} balance and has had for months, including the months that we were supposedly delinquent.
I disputed several erroneous accounts, address and inquiries in late XX/XX/2018, with all three credit bureaus. I believe I am a victim of identity theft due to multiple security breaches on my personal accounts. I am requesting the incorrect information is removed and blocked immediately.
I keep receiving harassing phone calls on a debt that I do not owe and that was fraudulently opened in my name, I have asked them to stop calling but they continue to do so.
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2014 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
the company sued me for the debt in   XXXX   XXXX   XXXX   XXXX   XXXX   on   XX/XX/2012 . an d the debt I should not be sued because I had a case in   XXXX   XXXX   XXXX   the case was   XXXX   and I had to se rve 11 months in   XXXX  an d 5 yrs   XXXX  but I violated the felony probation and was resentenced to the   XXXX   XXXX    XXXX  in the   XXXX   XXXX   XXXX   XXXX   the law I violated is   XXXX   and I had  XXXX  previous convictions so I had t he 2yr atta ched to the 3rd NSF Checks < 100.00 but >500.00 the prosecutor filed a request for a subpoena of my bank records and came a list of the checks I wrote and this check I am being or was sued for is in my felony case the   XXXX   is the civil case and should be not sued for and was  5yrs  old when that case happened and it is no w 10yrs o ld
Wrong amount is n't accurate, but closest choice above. They have refreshed an old debt that I stopped paying on XXXX. They have refreshed it to XXXX. I have disputed with all XXXX credit reporting agencies and re-disputed with XXXX and XXXX. They keep saying the debt collector confirms the last date of activity. XXXX also told me they do not require proof from debt collector.
I have not heard from this collection company about this issue and I have not been able to resolve this. I ca n't get them to contact me after inquiries to their website. 
If I ca n't contact them, I ca n't resolve this issue. 

Franklin Collections is damaging my credit.
Hello - This is regarding my effort to get the PMI removed based on the appraised value. 

My mortgage originated in XX/XX/XXXX with the first payment in XX/XX/XXXX ( including the PMI portion ). And therefore, with my XX/XX/XXXX payment I have made 2 years ( 24 months of PMI payment ). 

I have sent multiple request to Fifth-Third bank to initiate the process of appraisal to remove the PMI. At first they gave the wrong facts and declined the request, saying my loan started only in XX/XX/XXXX' which weren't the case, instead it started in XX/XX/XXXX. Since then I am been told the bank is still reviewing the case. It's been more than 1.5 months and the bank is still reviewing my case. I even provided the bank with proofs showing my first payment was in XX/XX/XXXX which also included the PMI portion. I have talked to multiple supervisors at their bank and everyone has the same thing to say, " we will get this reviewed again and someone will get back to you in 3-4 business days ''. And when that individual calls same old story - " we are in the process of reviewing ''. As I said its been more than 1.5 months and they are still reviewing. Based on the facts, I feel 53 bank is in violation of the law and is cheating me by squeezing out more payments and refusing my right to get the home appraised so that I can get the PMI removed. Last I talked to XXXX XXXX at 53 bank, she said you don't have two years of payment so when you make the XX/XX/XXXX payment we'll review this case. On making the facts clear to her and by literally making her count the number of months from XX/XX/XXXX to XX/XX/XXXX ( both months included ), she realized I have already made 2 years of payment but still said " make the XX/XX/XXXX payment ( which was my 25th payment ) and then we'll review, which clearly is showing how this bank is trying to get more money out of me. I humbly request your intervention for an immediate action and also teach a lesson to banks like 53 that they can not refuse customer rights nor can they cheat them.
Bank charged for an extra month of rent on the vehicle lease, because they failed to check the return inspection for to verify the auto was returned on XXXX XXXX, 2015. Each letter to the bank results in additional paperwork, without the questions in my letters being addressed. 

I am requesting CFPB 's assistance in getting the XXXX month billing reversed with a refund check. Paperwork from the bank and my letters are attached.
XXXX XXXX has reported false information. They have illegally re-aged this debt. The original debt from HSBC Bank was scheduled to continue on record until XX/XX/XXXX and they re-aged it to XX/XX/XXXX. 

I am reporting them for giving false information to XXXX. I received no court summons, and I made no payments or arrangements with XXXX XXXX or HSBC Bank. I made absolutely no deals with them or any others for that matter. I had no money, no life, no job, nothing. I have n't even been in the same state. On top of that I am reporting them b/c they re-aged the debt so that it appears on the credit report to continue until XXXX. XXXXIt is my amatuer understanding that it is completely illegal to re-age an unsecured credit card debt especially with the debtor having no knowledge of it. 

I would also like to report to CFPB to notice it says original creditor HSBC Bank Nevada when in truth it is just HSBC Bank. Are they both the same or is that just another scheme. 

ThanksXXXX XXXX
I went online to get my free credit report from Equifax and was not able to receive it. The questions were deceiving and some I could have checked more than XXXX answer. I tried it XXXX and could not access my report. Also, my husband went online to get his and the same thing happened. I also VERIFIED we were entering the correct information since i had a copy of another credit reporting agencies report in front of me so I am SURE there were no errors. I then tried getting our reports through the mail, and all i received was more letters stating to send more ID and verification papers. This happened XXXX to each of us which is completely unacceptable. We merely want our XXXX credit report from Equifax.
I purchased a piece of furniture in XXXX 2015. They advertised 12 months with no interest to pay the total amount. When I received my statement, I began making the appropriate amount each month to ensure a total payoff by the XXXX month. I made XXXX payments in XXXX 2015 so that I would be sure to pay off before the due date. Recently, I went online to check my account activity. They have charged a minimum service fee ( {$2.00} ) and a late charge ( {$35.00} ) every month. I have called and spoken to XXXX different customer service representatives/supervisors, with no resolution. They have offered to remove XXXX or XXXX charges. I have paid through bill payer from my checking account which shows XXXX payments made for 2015.
I lost my home due to a fire in 2013. Wells Fargo Mortgage was given a check by my insurance company who is XXXX. Wells Fargo stated they would issue the funds according to the progress on the rebuilding of my home. My contractor was XXXX XXXX XXXX XXXX, but the checks were written To XXXX XXXX, who is the owner of the construction company, and myself. I kept telling Wells Fargo that something was wrong and hired an attorney to fire the construction company, but Wells Fargo said no. XXXX % of the funds to rebuild my house were issued to XXXX XXXX. Wells Fargo inspectors claimed my home was 65 % complete so I signed the check and handed it over to XXXX XXXX. Since then, three years have passed, and I have continued to pay my mortgage on a home that is still yet unlivable. I called the city of XXXX IN building department to review the work completed, and my home has not passed city codes for any trades men workmanship such as electrical, plumbing, framing, foundation, HVAC, plus my home was never red flagged by any one from the building commissions of the city of XXXX.I have found someone who can fix the problems, but Wells Fargo & XXXX refuse to release the remaining funds. Wells Fargo is still holding XXXX and XXXX is holding XXXX. The work needs to be done before winter and I ca n't get either company to release my own money, as I keep paying my mortgage. I ca n't pay indefinitely without any hope of going home.Wells Fargo has given XXXX different completion results since work had stopped last year,XXXX % XXXX % XXXX %? How, can my home be XXXX % complete, there is no perimeter foundation, framing has been done incorrectly. The contractor cut into the support beams to run the plumbing, which has compromised the integrity of the build. I ca n't continue to pay on a house that I ca n't live in. The funds that I was receiving for loss of use are long gone. I have n't been able to get anyone to help me resolve this situation. The contractor is no longer on the job, and has n't been for some time. He took the money and ran. I have asked for an accounting of the funds that he was given and to date, have received nothing back. Wells Fargo wo n't help me, XXXX wo n't help me, and the contractor wo n't return my calls. This is a small home, but it was my home, all I want to do is go back home. There is still some money to being held, which I feel could get me back into the shell of a home, with heat and walls and correction to the frame and foundation. I am turning to you for help!
Ocwen LN XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Short sale package was submitted to Ocwen XX/XX/18. Ocwen has requested 4 sets of documents, and continually cancels the short sale after each and every one of these requests. Each time we send documents in to Ocwen we have to request the short sale to be reopened. This has happened 4 times in the last several weeks. Ocwen is refusing to postpone the auction date of XX/XX/XXXX claiming that the multiple doc request and closing/opening the short sale were simply miscommunications. They are stating they have sent communications to the borrower offering workout option " some time ago ''. However they are unable to provide any kind of evidence or tell us the dates as to when those communications were sent to the borrower. 

Isnt this the same type of miscommunication that got Ocwen fined over $ 2million already? We just want this to be reviewed as requested in the beginning. The sellers are getting divorced and Ocwen were notified of this in the beginning of the short sale, and there is no evidence whatsoever that workout options have been offered to either of the sellers.
Paid a collection balance in full in agreement that the collection agency will remove and delete all reportings. The agency is still reporting a negative account after they were paid off.
I opened up a CitiGold Checking account in XXXX 2015 under a promotion at CitiBank which promised a specific bonus of XXXX XXXX XXXX points for meeting certain requirements. I used the correct promotion code and was provided with a summary of the promotion when I opened up the account. I have met all the requirements and CitiBank is not honoring the promotion. I have opened up a case with them, had it escalated, and have been told 4 or 5 times by customer service agents that I met the requirements but they have to escalate it for approval. The escalation team has come back each time and is denying to provide me with the rewards because they state I was not targeted for the promotion. I told them I have a copy of the confirmation page when I opened the account but since it does not have my name on it, they will not honor it. I think this is very dishonest and feel I have earned the bonus and it should be awarded.
I need your assistance in helping me to get several accounts reporting on my credit file from Central Financial Control removed. These accounts do not belong to me. I was a victim of identity theft ( my wallet was stolen along with my ID, Social Security Card, Credit Cards, and more ). I have notified the Credit Agencies of this along with Central Financial Control. However, Central Financial Control have reported to the Credit Agencies that these accounts has been verified. How could they verify an account with the Credit Agencies and they can not verify this account with me. I have asked for proof of this account and I still have not received anything from Central Financial Control.
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.
On XX/XX/2018 I made a deposit of {$120000.00} from my attorney with an attorney trust account check. On XX/XX/2018 I was charged ( 3 ) {$36.00} NSF fees even though my account was not overdrawn. I believe that since PNC held funds availability on this deposit, it caused items to be uncollectible. The funds were ultimately released and the deposit cleared with no issue. No sure why I was charged three fees when I did not overdraw my account NSF or uncollectible.
On XX/XX/18, it was noted that our account had an escrow surplus. I initially reached out to the company on XX/XX/2018 to inquire what kind of steps we needed to get this check. They stated it should have been in the mail and that we needed to wait. I reached out again on XX/XX/18 because we had not received the payment, so they offered to send out another check, but it would take at least 10 business days for this to occur. According to the account, they sent another check on XX/XX/18. We received the check on XX/XX/18. I deposited it on XX/XX/18. 2 days later on XX/XX/18, it was noted that the check was returned by my banking institution. I reached out to freedom mortgage and spoke with a supervisor and was told that they could not resolve this issue at that time and that it would take time to get to the root cause of why the check was not able to be processed. I called my bank to inquire what the reason for the return was, they stated there was a stop payment placed on the check. I called back to Freedom mortgage to relay this information and asked to speak to the supervisor again, and he was conveniently unavailable, but they made a note of this discovery, along with the check number on my file.
I filed a complaint with Experian asking them to remove ALL dispute comments from my credit report. Experian sent me the attached credit report as a result of the investigation. The letter lists several items under investigation that I did not even request. They DID NOT remove dispute comments from any of my accounts. 

I would like ALL dispute comments/dispute statuses removed from my credit report ( ALL accounts ) immediately. I am prepared to contact an attorney to file suit against Experian, as I have had several issues with this company in the past. I have circled the dispute comments in the attachment.
Hi - I just received a call from my bank - XXXX XXXX of a Legal Order from XXXX XXXX with a number to call - XXXX. 
Called them and they directed me to another number stating this is not what they can discuss as they could not view fully the account which was bought by XXXX XXXX through XXXX XXXX  XXXX. 
I eventually called the number they gave me which was for XXXX XXXX XXXX. I spoke to a legal rep who is named XXXX XXXX and advised that i allegedly have a bill from XXXX card in XXXX which was filed with the court with an address on file. 
I challenged why they did not try to contact me or notify before having the court put a levy on my bank account. 
I do not own a XXXX card in XXXX, no correspondences whatsoever. I demanded a statement or bill which they said they will look into and furnish but damage has been done with my account. 
XXXX XXXX XXXX do have my current information as i dealt with them early this year on a XXXX bill owed in XXXX which was eventually paid off. 
It is shocking they went behind me to file a motion in court and they lied they only had my old address on file which i never received any communications from them on the XXXX card statement for XXXX. 
I hope i will be able to be compensated under FDCPA for harassment unfair judgement. 
There are statute of limitations on credit card debts also allegedly owed in the state of New Jersey. 
Please look into this and help out so they can do the necessary by providing all relevant documents at the earliest and lift immediately the hold on my account with restoring what they already deducted which is fraud. I was never contacted.
Questionable debt collecting agency XXXX Sunrise Credit Services XXXX Inc XXXX overcharging my account ( just added {$8800.00} to a pre-existing amount without explanations XXXX and withholding my tax form XXXX for 3 consecutive years since they starting collecting the debt. Is this company legit? Are they evading taxes? Something feels very wrong about this agency ... Thank you for your attention.
PNC Bank has given information to XXXX XXXX XXXX and XXXX. 

I am not aware of this information I have received nothing from PNC Bank. 

I am unaware of any poor banking habits with this company
I have a membership family premier plan with Equifax credit Bureau, where my credit suppose to be monitored for a monthly payment of {$29.00}. The payment always been withdrawn from my bank account, I do have access to use equifax online services only to view my credit report but not to file or check a status of dispute, that shouldnt be, it shouldnt be a restriction in my account. Everytime, my personal information always been rejected by equifax online dispute center.I occasionally raised the issues to Equifax, unfortunately the issue never been resolved.
I decided to purchase a riding lawn mower during the summer. After shopping around my wife suggested that we purchase from Lowes. Against my better judgement of going to The XXXX I gave in to purchase from Lowe 's. Having the Lawn Mower a little more than 30 days the pulley broke. I sent it out for repair after going through hoops with the repair cost because the salesman told me the 3 year protection plan would cover the cost of any repair of the mower and if anything ever happen to it we could bring it back and get another one is how he explained the protection coverage at the time. After paying my ex landscraper to cut my lawn I Finally got the lawn mower back. Two weeks later I go to cut my grass and the same exact problem- the pulley comes off again. What a headache! Its obvious that this product is defective. Lowes can care less about their consumers. I 'm not going to pay for a defective product and neither should I have to send it out for repair after every use. Stop selling bad products! This is the second time I 've had the same problem with a so-called new mower. I will be contacting the Attorney General 's office on this matter and reaching out to other sources as well about this matter since I ca n't get anywhere with Lowe 's. I want lowe 's to refund my card and come pick up their defective mower.
I have called repeatedly at all hours to get customer service on my XXXX XXXX. Wait times always in excess of thirty minutes. Failure to staff properly is unfair and abusive.
XXXX XXXX XXXX allowed me to register and get books on financial aid. Two days after class started, they decided not to allow me to use financial aid after I have purchased books on my financial aid. They refused to take the books back and stuck the balance on my credit.
Good Afternoon, I am in desperate need of help with inaccurate information being reported on my credit report by all three credit bureau 's. There are two collection accounts that are causing me difficulty with my career. I currently hold a security clearance and am in jeopardy of losing it, because of inaccurate reporting 's by XXXX, XXXX, and Experian. One is XXXX XXXX XXXX XXXX, and the other is XXXX XXXX 

I recently reviewed my credit reports and found that there were two collections accounts. One with a company called XXXX XXXX XXXX XXXX in the amount of {$4000.00}. This was due to them buying an account from XXXX XXXX ( Apartments ) who claimed that I owed this amount for breaking a lease. I explained to both, The Credit Bureau, and XXXX XXXX XXXX that I am a US Soldier, and I am called to deploy at anytime. In the Lease Agreement there is a military clause that exempts me from the lease if called on duty. I notified XXXX XXXX in writing before deploying that I would be leaving and reminded them of the clause that was in the lease. They seemed to be ok with me having to leave and never said anything to me about monies owed. It was n't until I returned from deployment that I began receiving phone calls from this XXXX XXXX XXXX, stating that I now owe Them the balance of {$4000.00}. I have never signed any contract with This company and I do n't owe them any money. I explained this to all three of the credit bureau 's and they simply say the debt has been verified.