WillisBack/dataset-financial-user-claim huggingface dataset:
Ocwen Mortgage has not communicated with me regarding my deed in lieu of foreclosure. I have not been informed ( in written form or verbally ) of an agreed upon vacancy date or relocation allowance. 
People are showing up at the home to change locks, as they have been told by Ocwen that the home is vacant. 
Ocwen has too many departments that do not communicate with one another regarding customer status.
I made reservations at a hotel for XXXX XXXX through XXXX I never made it to the reservations but the hotel was entitled to take {$50.00} for breaking reservation they try to take the {$50.00} but could n't because it was n't available but they already had pre-authorization for {$220.00} which after they returned because I did n't take the XXXX days at the hotel when they figured out they could n't get the {$50.00} because it was n't in the account for breaking the reservations and they forced the transaction to go through for {$220.00} then left me negative. I contact my financial institution which is XXXX XXXX XXXX they gave me a hassle today is XXXX XXXX this dispute has been open since XXXX XXXX and still I have no outcome even though they know that the hotel attempted to charge me {$50.00} for the breaking of the reservation and could n't get it and forced the money to go through they did n't give me a provisional credit then and give me anything. My utilities as well as phone were cut off due to this Fiasco I 'm asking for {$150.00} aside from the {$220.00}. Also this card was advertised for budgeting for never being able to go negative if this car went negative and it was never supposed to that 's a classic case of false advertising.
2015 I set up a way to make low monthly payments to have my student loans paid off. I then joined the military and my time away temporarily delayed my payment process meaning I wasnt eligible to receive any student aid. I was told there was deferment options for military members but that didnt apply to me because my loan had gone into deferment.
This is my second complaint against Wells Fargo Mortgage. I was told that they increased my mortgage XXXX XX/XX/2016 due to my escrow. I was not informed of this until to day by corporate. My house was put into foreclosure do to this discrepancy in communication on their part. If i would have known XX/XX/XXXX, i would have sent the full amount the mortgage was increased to. They do not seem to want to take ownership of their error. Now i feel my next acton is to retain a lawyer. My last complaint has not been resolved yet.
Transunion is reporting a misspelling of my name. They are also reporting that I am unemployed. I am employed full time. 

XXXX is reporting an address that I have never lived at. They are also listing me as being unemployed. I am employed full time.
Midland Credit Management Inc, is the debt collection company. They 're sending me letters about XXXX. I do n't know them or have a debt with them. But they 're reporting it to the credit reporting agencies. I need for them to stop. And the law limits should go into effect about that matter.
I have a collections on my credit report from a medical bill from a XXXX ( XXXX XXXX XXXX ). 

That is not legal to be posted to my credit report, as it is a medical collections and a federal law was passed that made this illegal to be posted to my credit report.
Hello XXXX XXXX, It has been over 4 months since I replied to your email request for my phone number. This is the same treatment I received previously from PNC Mortgages XXXX XXXX. Excuses of not receiving phone calls, emails and most shockingly documents. I am astounded how PNC is able to stay in business if this treatment is standard behavior. The financial devastation caused by PNC keeping me on the hook for over 16 months with the promise of a first mortgage in order to continue to cover my Moms caregivers costs on a fully collateralized loan has not gone away. I did everything that was asked of me, creation of documents, all the documentation required for a first mortgage sometimes twice because documents were mysteriously disappearing or I was told they were never received and two appraisals within a 12 month period. The unethical practice by PNC has financially compromised two lives. The professionally responsible action on PNCs part would have been to answer my many questions regarding PNCs ability to close on a loan. But no, I was continually assured that PNC was going close on the loan. Had Id been treated with respect and honesty I would have made arrangements sooner to move my Mom to an XXXX XXXX not incurring expensive 24/7 at XXXX XXXX costs waiting for a loan that PNC never intended to close. How do you people look yourselves in the mirror each morning. I cant be the only customer this has happened to. The only fair action on PNCs part at this time would be to pay {$250000.00}. to cover debut costs, appraisal costs and lost wages. <P/>I look forward to hearing back from you. <P/>XXXX XXXX XXXX cc : Consumer Financial Protection Bureau case # XXXX
XXXX, XXXX XXXX TransUnion. 

Re : Unauthorized Credit Inquiry To whom it may concern : The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. 
Company & Inquiry date 1. XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX Bank USA XXXX/XXXX/XXXX 7. XXXX XXXX Bank XXXX/XXXX/XXXX 8. XXXX Bank XXXX/XXXX/XXXX 9. XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX, LLC XXXX/XXXX/XXXX 11. XXXX XXXX Bank XXXX/XXXX/XXXX 12. XXXX XXXX XXXX XXXX/XXXX/XXXX 13.  XXXX XXXX XXXX/XXXX/XXXX 14. XXXX XXXX XXXX/XXXX/XXXX 15. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX 17. XXXX XXXX/XXXX/XXXX 18. XXXX XXXX XXXX XXXX/XXXX/XXXX 19. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX 20. XXXX XXXX XXXX/XXXX/XXXX 21. XXXX XXXX XXXX XXXX/XXXX/XXXX 22. XXXX XXXX XXXX/XXXX/XXXX 23. XXXX XXXX  XXXX/XXXX/XXXX 24. XXXX XXXX XXXX/XXXX/XXXX Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. 

Sincerely XXXX XXXX
XXXX 2014 my mother requested US BANK, XXXX XXXX XXXX XXXX California for an address change on her CD/Moneymarket/checking account due to her move to Texas. Still after a year and still not receiving statments and After numerous calls by her, then by me, the POA, after a certified letter, after another call to the Branch Manager, XXXX XXXX, then to XXXX, an account manager in Colorado, then to a XXXX XXXX XXXX, District Manager and now waiting for a return call from the Regional President, XXXX XXXX as I type this complaint. I also am disappointed in the Consumer Financial Protection Bureau for their lack of assistance or resolve. Plus, the consultant I spoke with read her que cards too quickly!!
I am filling this complaint because Experian has ignored my request to provide me the documents that their company has on file and was used to verify the account I am disputing. I have contact their offices on the following dates listed below : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account information. I demand to see Verifiable Proof ( an original Consumer Contract and/or orgianl court docuemtns with my Signature on it ) you have on file. Your failure to positively verify this public record material has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

As a side note, this Chapter XXXX Bankruptcy was completed and paid back in XX/XX/XXXX the year is currently XX/XX/XXXX - that is 8 years on my credit report. That is also Thousands ( {$1000.00} ) and Thousands of dollars more I have paid for items I buy, loans I have missed out on, housing I have been declined for etc. I feel that having it on my credit report for 8 years is punishment enough. There is no law that states these types of things " by law '' have to stay on ones credit report for 7 or longer years. 

I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. 

I want Experian to stop reporting immediately this account on any and all of my credit reports issued to anybody whom inquires on my behalf. 

Please resolve this matter as soon as possible and thanks in advance for your time and consideration.
Impersonated and represented herself as XXXX XXXX XXXX XXXX XXXX. Threatened my work. Numerous harassing phone calls to my work. Will not stop. No debt validation letter by U. S. mail. No physical address. Said she was XXXX XXXX. Think it is National Asset Processing or XXXX XXXX XXXX XXXX. Also a XXXX XXXX. XXXX. XXXX.
I have a loan with DEPTEDNELNET. 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, XXXX, XXXX  and DEPTEDNELNET with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX.
I completed a bank wire on X/X/17 to XXXX ( Coinbase Inc. ) in the amount of {$19000.00} ( transaction # XXXX ) via the companies instructions so I could get same day deposit as advertised on their website. Since I missed the timeframe listed ( XXXX PST ), I should have seen the deposit to my account the following day. There was no deposit on XX/XX/XXXX or today, XX/XX/XXXX. I have sent 3 emails to support asking for further information or confirmation and have received no replies. I then proceeded to do more research online only to find dozens and dozens of others experiencing the same problem, some stating that they 've been waiting weeks for their deposit. There were few who stated that their issue had been resolved. I do not know if they are defrauding people out of their money or having legitimate service issues, but if they are, this should be noted on their website so people like myself can make a decision to not initiate the transfer in the first place. I was not looking to have my funds tied up for any amount of time, and these delays could be costing me real money.
Diversified Consultants Inc. is reporting a account to all 3 major credit bureaus that is not mine. This company is in violation of FCRA by reporting false information. I have never heard of this company and have never done business with them. I have not received a dunning letter or ANY other communication from this company before attempting to start collection practices. I was never contacted before credit reporting. I have contacted my state 's attorney generals office in regards to this erroneous reporting and this company business practices as well. Diversified Consultants VIOLATED my rights under FDCPA rules by NOT NOTIFYING me of this attempt to collect a debt. They have until the end of next week to remove the erroneous reporting off the three major credit bureaus or I will file a lawsuit. I have sent my attorney a copy of the this complaint as well. Please give this the immediate attention it deserves.
Di Tech has done several things to make it difficult to be a good customer. One, when making a payment by phone, they will not immediately apply the payment amount, especially if you call on the due date, they will take as long as seven days to apply the amount so that they can collect late fees. Another, we wanted to get back on a bi monthly payment schedule that Di Tech discontinued when they acquired our account from Green Tree, in order to do that, you need to pay one month in advance. We did that and they misapplied our payment to the escrow account, and they refuse to correct this issue. One thing led to another and now they are reporting us as delinquent on our mortgage payment. When we talk to a representative, they deny there are any issues, the mail and the credit report says otherwise. We are working on getting Di Tech out of our lives but I would like to see them straighten out this mess and remove the derogatory information in our credit report.
I received an consumer inquiry on my credit file from XXXX on XXXX XXXX, 2016 and have been given the run around by Equifax and XXXX since XXXX. I have received a letter from XXXX stating they will notify Equifax and have Equifax remove the inquiry. Well, Equifax is stating XXXX XXXX has n't sent them an electronic file to remove this inquiry. I again contact XXXX XXXX and they state they have contacted Equifax electronically and requested this inquiry to be removed. 

On XXXX XXXX, 2016 I contact Equifax again and fax them a copy of the letter from XXXX stating they will notify Equifax to remove this inquiry. Equifax inform me to call back within 48 hours and this should be taken care of and removed from my credit file. I made a follow up call today XXXX Thursday, XXXX XXXX, 2016 ) to verify the inquiry has been removed. I am then told that Equifax still has n't heard from XXXX AND refuse TO ACKNOWLEDGE the letter from XXXX to remove this inquiry. Equifax then informs me that they will not remove the inquiry unless they here from XXXX XXXX electronically. 
Equifax has eluded to stating the consumer could have made up this letter ( which is attached ) and refused to even acknowledge I received it from XXXX XXXX. I 'm at my wits end, very frustrated and annoyed with the disrespect shown to the consumer from XXXX XXXX and Equifax. What are consumers to do when we are caught in the middle of a mess. This inquiry system needs to have a better dispute process, it is impossible to challenge and resolve inquiry disputes on the part of the consumer. Our hands are tied and were caught in the middle of mindless idiots when they make errors.
Presto Auto Loans is reporting a title loan to my credit report, I did not authorize the company to report this to my credit. The information reported is incorrect and I have requested multiple times for this to be removed.
In XX/XX/XXXX, I received an offer of 1.99 % promotional APR on balance transfers until XX/XX/XXXX. I took the advantages to advance {$3700.00} and {$3500.00} on XX/XX/XXXX after paying a balance transfer fee of 2 %. 

Minimum payment was debited from my checking account on due date every month. In addition, I pay for all the new purchases before each due date. However, Chase Bank keeps charging me high interest rate on my purchases, I called twice to ask for an explanation. They told me that whenever I used my card for purchases, interests would be applied because the system was not set up to tell whether the payments were for the new purchases or towards the cash advance. I was advised to pay off the entire amount or not to use the credit card at all. 

Since I have prepaid the 2 % transfer fees, it is not fair for me to pay off the entire amount before XX/XX/XXXX. I have quit using this credit card in the last two months.
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
On XXXX XXXX, 2015 I paid off the XXXX XXXX XXXX, account. I received a letter on XXXX XXXX, 2015 that the account had been resolved. However XXXX is still reporting it on my credit report.
I tried to get a job with XXXX and and XXXX XXXX call XXXX XXXX and got denied because of background check
On XX/XX/XXXX I submitted disputes to Equifax, XXXX, and XXXX. XXXX  responded with stating an investigation was started but never followed up with the investigation results, no response from Equifax or XXXX. On XX/XX/XXXX I resubmitted disputes to all three agencies with the same response from XXXX and a response this time from XXXX saying that an investigation was started. This violates the FCRA in that the FCRA provides a 30 day window in with to respond to disputes. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or the accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer I request all disputed items be immediately removed from my credit reports. I intend to enforce my rights in court for damages resulting from your late of action ...
I have several issues with not only the information being provided to the credit bureaus by XXXX XXXX, but the accuracy of that info as well.
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To summarize the issues I 'd like to see resolved : 1. There are multiple trade lines XXXX XXXX is reporting to the credit bureaus : one states is was opened on XX/XX/XXXX and the other opened onXX/XX/XXXX. XXXX have the balnce of {$2000.00} ( see attached screenshots ).
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2. XXXX of these closed trade lines are reporting incorrect payment history as well. Showing that I was more than 149 days past due, I have never been 149 days past due in my payments on this account.
Ive been dealing with this company called Keith D Weiner and Associates about a debt owed from the city of XXXX about taxes. It started in XX/XX/XXXX when I agreed to make monthly payments to this debt. I ran into some financial troubles and was unable to pay on some of the months. The company tried to garnish my wages quite a few times and we unsuccessful due to me making not enough money. So in XX/XX/XXXXI got a letter in the mail regarding another garnishment and I immediately called the company to ask why. The call was answered by one of their employees by the name of XXXX XXXX XXXX, I told her the reason I was calling was in regards to the letter of garnishment and she told me I didn't make a payment in a long time and I told her that I kept sending in money orders which were returned to me with no explanation why it was returned. She told me that this debt was over 4 years old and that I should be making every attempt to pay this off. Well I then stated that I don't make enough money and she said well you have 3 jobs and I should be able to. She then said that if I were you I would feel embarrassed that I cant pay my city taxes because she is a tax payer herself. I told her that the last communication I seen was they tried to garnish wages at a place I was no longer employed at and her response was that she cant help it I change jobs all the time. She hung up on me and I recalled and wanted to speak with a supervisor. He answered and never apologized for her rude behavior but told me to send in whatever I could do ... .. I feel that her behavior clearly violates the fair debt collection act. I would like her to either apologize to me or I will take further legal actions against her and the the company
this I a account from XX/XX/XXXX I got hurt at work XX/XX/XXXX I am permant XXXX had XXXX insurance on it that should have paid it in XXXX it keeps going from XXXX place to another now the lasts XXXX is changing dates saying open XX/XX/XXXX that is false it was opened in XX/XX/XXXX they keep trying to make it new, it is 8+ years ago I am so tiered of getting XXXX I bought insurance never thinking I would use it and then got hurt at work and should have been done long ago!
Midwest Service Bureau has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Received multiple telephone calls from XXXX XXXX XXXX XXXX. They stated I defaulted on a payday loan from 2011. I inquired where, when and what company the loan was through the agent then said they would just take me to Court and hung up. I called back and an agent identified the Company as First Recovery. I asked for their address and agents name she refused to give it. I told them not to contact me again and to contact me through my attorney. I told them that I wanted my attorney to send them a letter and she hung up. They have the last XXXX of my SS # and the last XXXX numbers of my bank account. I believe this is a scam as I have never received written notice from them.
I was supposed to receive a {$200.00} credit for opening a new checking account. I met all requirements stated in flyer. Its been over 10 weeks and no credit has been made. US BANK is lying to consumers to get them to open an account with direct deposits. This is so unfornate and i hope they get sued for false advertising
These agencies are giving the wrong conviction of my criminal background. My final conviction was a XXXX, not a felony.