WillisBack/dataset-financial-user-claim huggingface dataset:
Well, I have filed a compliant against Bank Of America and the Bank issued a responsewhich I did not accept, since it is improper and requires a detail analysis to convinceme or the CFPB. I paid a total of {$1600.00} to date and the Bank gave me a credit of only {$370.00} out of the original balance of {$2000.00}, Pleas find the attached payment historyfiltered from online XXXX Payment database and also compare the response the BankOf America wrote me, ( since the file size was too large I could not upload it ) so please request a copy from Bank Of AmericaI think the Bank is still did not want to accept a wrong doings of an amount that is $ {$1200.00} which should be returned to my account. 
Therefore I demand The CFPB, to request back full return of My money, Restore mycredit History, Which I could not refinance as a result my home Mortgage and I alsowant CFPB to Forward this case to a civil Right lawsuit lawyer and Federal agencyto file a lawsuit against the bank to get me proper all possible compensation and alsoopen a selected and relevant case of other consumers regarding Credit and MortgageImproper handling and gaining unfair and Unlawful advantage, and also I kindly want to inform you that my credit score of XXXX were loweredfrom XXXX to XXXX which made Harder to get my Home Mortgage Refinance very HardAfter my complaint, and so please conduct a sample studyof Credit Bureau of a possible of giving Unfair advantage of credit and Mortgage to aspecific banks in some cases as well!!
I contacted Ex peria 
n in XX/XX/XXXX about a dismissed bankruptcy that is showing on my bankruptcy report. Per the rules enacted on XX/XX/XXXX this bankruptcy does not meet the requirement of Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth ; and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days.

Secondly when I receive a response when I disputed in XX/XX/XXXX I was told that it was verified through the court. I received this response from the court on XX/XX/XXXX. Stating that they do verify this information with the courts. 
Although it is credit agency policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.
Credit information was lost in national breach. There is no way around not having all your information automatically reported and out there to be stolen from negligent reporting agencies. Freezing your credit report should be free. There should not be a fee to protect yourself, especially with as little care as these companies have protecting your data.
I applied for a CHASE Visa Signature credit card. 
The application was not approved. 
The reason given in the letter states : " Too many credit cards opened in the last two years associated with you ''. 
I do not believe that this is a valid reason.
I took out a loan for my home on XXXX XXXX XXXX. The purchase price was {$620000.00} and my loan amount was {$510000.00} so a 82.6 % LTV. I was told at the time that as soon as I hit an 80 % LTV, they would drop my mortgage insurance. Knowing this. I paid a little extra on my loan and about 4 months ago, called and asked to put in this request. I had a few conversations about this and after all was said and done, they informed me that it is NOT an 80 % LTV on my purchase, but that I have to have this 80 % to drop my mortgage insurance on the value of the property now. ( Which is fine but not the way they explain how mortgage insurance works and were very misleading about them being able to drop the MI once at that 80 % LTV ) Anyway, they told me that I had to pay them {$500.00} to have the property appraised so that they knew that it was n't valued at less than what I paid. I live in XXXX and anyone who pays attention to any kind of housing market, which I 'd hope that they did being in the home loan industy, knows that our market has only rapidly appreicaiated in the past few years. My tax assessed value is {$63000.00} higher and if you were to look at XXXX or XXXX to get a basic estimate, they would say {$700000.00} and {$720000.00} respectively. I went ahead and mailed them a check for {$500.00} to just solve the issue and get it done as they have been wasting my time ( and money ) for the past few months. ( MI at {$300.00} and something a month for 4 months adds up! ) They repsonded, by mail, today and stated that they are not able to find an appraiser who will get them an appraisal for {$500.00} and the least expensive appraisal they can find is {$550.00} and until I mail them another check for the additional {$50.00}, my request has been put on hold. They also stated that the appraisal due date in XXXX and this quote was based on the appriasers schedule as of XXXX but received this information today, XXXX/XXXX/XXXX. So even if I did give them another {$50.00}, XXXX XXXX would come and go before this ever happens. 
My complaint is why am I paying for an appraisal anyway? I was never told that the LTV only applies if they decide my property is worth what I paid for it. What they say is that as soon as we get to the 80 % LTV, then the MI can be dropped. In the meantime, I keep getting charged for Mortgage Insurance every month on a property that I have a conservative 75 % LTV on ( more likely 72 % ) and I cant seem to get this MI removed. I paid them the requested {$500.00}, now they want {$550.00} and by the time they actually find an appraiser to handle this, will it be {$600.00} or {$700.00}? The fact of the matter is, is that I have an 80 % ( actually less ) LTV on my purchase price and I think that with a little research, they can confirm that the property has not decreased in value and that they should be able to drop the MI like I was told they would do. And they should honor thier {$500.00} appraisal request! Since I sent the check, I have made XXXX more payments with the mortgage insurance I have requested to be dropped.
I ordered 5 items from the XXXX XXXX XXXX on XX/XX/ 2019. I had not received the items even though the website said it would take 1 to 15 days inside the the United States to receive the order # XXXX. I emailed the company on XX/XX/2019 as I had not received the order yet at XXXX. I still have not received a response or the items. I paid just for the shipping of the items of {$35.00}. The items were advertised as free on the website if the shipping was paid for a limited time.
Commonwealth collection agency is attempting to collect a debt that has already been paid by my insurance company. This particular debt keeps on Being sold to collection agencies. Who in return report a paid account to my consumer report. I am currently taking legal actions against XXXX XXXX the original creditor regarding this matter. And will add Commonwealth to litigation if need be. If Commonwealth have any questions to please contact my attorney at XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX
Portfolio Recovery has contacted me several times on a collection they didn't validate within 30 days, claiming to be mines. I have no contract with Portfolio Recovery for anything and I would like this negative information removed from all of my credit reports, this is affecting my score terribly.
Re : XXXX XXXX XXXX XXXX MI application for auto loan requests for credit history. 

Permission was given for only one credit inquire on XXXX XXXX XXXX and four were pulled on same date. One of the credit pulls was a duplicate. Permission given for XXXX XXXX XXXX XXXX, XXXX, MI ( a  duplicate pull ) and not XXXX XXXX, XXXX, MI, or XXXX XXXX XXXX, XXXX, MI. 

The above causes adverse credit which I have been trying to build these past few years. I want the three adverse inquiries cancelled.
I have several medical bills that I am trying to get paid off by XXXX 2017. My home equity will balloon at that time and I stand a chance of losing my home because I ca n't paid the loan off in 8 months and I need help to forgive as much of the medical amounts. I am trying to get them paid but I am having problems. How do I get help with this? Thanks so much if anyway I can get Help.
I have received XXXX calls from the following telephone numberXXXX.  When i answer they hang up.  Then when I call the number back to find out who it is, each time I get an automated message telling me the name of the dept collecting company and that the call is in reference to a dept and in order to find out more details about this dept I have to enter my telephone number which I am hesitant to do.

The  thing is I  do not owe any debts whatsoever with this company or any other company and I do not know why these people are harassing me. or how they got my number.  This is nothing more than a scam phishing information.
On XXXX XXXX Wells Fargo conducted an unauthorized hard check on inquiry on my credit report. I submitted an online request for Wells Fargo to contact the credit bureaus have the unauthorized inquiry removed. Instead of complying or providing me with an explanation for why they conducted a hard inquiry Wells Fargo asked me to file a request via mail. Since my experience with disputes by mail has been that they lack accountability and are often simply a way of dragging out the resolution process with the goal of discouraging the consumer from pursuing the issue I am filing a CFPB complaint instead.
As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy a bona fide and verified claim must be presented. Therefore, I am conditionally accepting your offer as noted above, upon : 1. VARIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VARIFIABLE Proof of Amount of the actual debt, 3. VARIFIABLE Proof of Payments made on the account, 4. VARIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VARIFIABLE Proof of Fees and interest amounts, 6. VARIFIABLE Proof that XXXX, C/S CARE DEPT is owed money, 7. VARIFIABLE Proof of a signed contract showing the terms about the debt, 8. VARIFIABLE Proof of that XXXX owns the debt/or has been assigned the debt. 
9. VARIFIABLE Proof of a copy of a true bill from the original creditor, 10. VARIFIABLE Proof of a complete payment history, starting with the original creditor, 11. VARIFIABLE Proof of a Certified and True Copy of the original signed agreement or application, 12. VARIFIABLE Proof of a copy of a canceled check from XXXX XXXX XXXX to the original creditor.
We had our mortgage thru American Financial Resources and was paying {$1900.00} on XX/XX/XXXX our new statement went to {$1600.00}. In XX/XX/XXXX our mortgage was sold to XXXX XXXX XXXX and payment remained the same {$1600.00} until XX/XX/XXXX we received a letter from XXXX XXXX XXXX stating as of XX/XX/XXXX or payment was going to increase to {$2200.00}, unless we paid a shortage of {$4000.00} plus add PMI back on which would still have our payment go back up to {$1900.00}. We had no clue what was going on so we called XXXX XXXX & they said there was a shortage on our escrow which they paid when they took over loan in XX/XX/XXXX, so we then called American Financial Resources and they acted as if they had no clue as to why, then after several attempts to talk with someone concerning our loan they said there was a computer error back in XXXX that dropped our PMI and lowered our mortgage payment so for a year we paid what was in our statement each month from American Financial and also XXXX. In XX/XX/XXXX we paid XXXX the {$4000.00} plus took our mortgage payment from {$1600.00} to {$1900.00}. We was told by both mortgage companies there was nothing we could do nor was either willing to work with us on a problem on there behalf. Is there anything that can be done about this?
I lived at XXXX XXXX XXXX, Apartment XXXX, XXXX, TX XXXX from XXXX XXXX to XXXX XXXX. In XXXX of XXXX, I received an email from the apartment stating that I owed XXXX to them for damages to the apartment. This debt was paid in full by money order on XXXX, one day before their deadline of XXXX. I received an email from XXXX XXXX on XXXX confirming that the amount owed was paid in full and never heard another word from them again. 

In XXXX of XXXX, seven months after paying off the debt, the apartment reported to a collection agency that I still owed XXXX. I did not discover this until i had my credit pulled. Not once ever have I been called, mailed, emailed or even remotely contacted about this debt. All attempts to contact the apartment management have failed and they do not respond to calls or emails. 

The worst thing about all of this is that not XXXX person from the debt collection agency has contacted me regarding this so called collection, and it has become a massive burden on my credit report. The apartment refuses to speak to me unless I can provide a money order receipt, which I do not have as this was three years ago and I have lost it. I do have their emails, however, confirming the debt was paid! But even that will not satisfy them.
On XXXX XXXX 2017, our client 's email account evidently was hacked changing the client 's wire transfer instructions from his bank, XXXX XXXX XXXX XXXX, to SunTrust Bank in XXXX, FL. A wire transfer in the amount of {$53000.00} was sent from XXXX XXXX in XXXX, KY to SunTrust Bank in XXXX, FL and was deposited into a fraudulent account by SunTrust. The receivers name on the wire did not match the name on the account described in the wire transfer instructions, however SunTrust deposited the money into an account and allowed it to be withdrawn. SunTrust was contacted by XXXX XXXX in an effort to retrieve the wire but SunTrust refused stating the money had already been withdrawn. <P/>We believe SunTrust Bank violated Federal Banking Code 4A-207 of the Federal Banking Regulations ( attached ) and  request a full return of the {$53000.00} that was placed into the incorrect recipients account by SunTrust Bank.
I applied for Citi Gold Checking Account with XXXX promotion on XXXX/XXXX/2016. 
The promotional offer is that AAdvantage XXXX bonus miles will be credited by Citibank within 90 calendar days from the date when you completed all offer requirements. 
I have received a confirmation letter specifically addressed to me from Citibank that I have met all the requirements on XXXX/XXXX/2016. In the letter Citibank stated that " I can confirm the promotion is attached and requirements for XXXX promotion are completed. In addition, now that you have met the requirements and the account review is completed as eligible, Citibank will credit the AAdvantage bonus miles to your AAdvantage account, within 90 days from the end of the statement period in which the completed offer requirements. The last requirement met is dated XXXX/XXXX/16. '' However, although more than 90 days have already passed, Citibank refuses to honor their promotion as promised. In addition to meeting the promotion requirements, I have also paid {$60.00} for their monthly fees while waiting for Citibank to uphold their word.
Navient took the payoff for XXXX of my loans, promised me that it would be applied to the loan to pay it off in its entirety, and did not apply it to the loan for payoff. My payment was applied across all of my remaining loans, resulting in additional interest and terrible runaround with the company.
I have called and mailed in documents to Barclay over the past few months. I have paid over {$4000.00} in payments. They think I am not me and have frozen my card but will not close it. I sent them property tax bill where i live on their records, my phone bill with number thats on my account, my bank statements with account i pay them from, my passport, my drivers licenses, my social security card, and my birth certificate. Yet they still say the account might not be me and they cant close it until i proove to them im me. They have no problems letting me log in and pay them every month out if my bank account but they think its not me
On or about XX/XX/XXXX, a person by the name of XXXX XXXX stole a check forged my name and deposited the same into his account. I contacted Citibank regarding this matter, to no avail the investigation was closed twice due to Citibank 's failure of providing letters of information requested the 1st time and when having done so, up and to including a police report mailed into Citibank, they have not given me my funds back. I go to court in this matter on XX/XX/XXXX.
I have a credit card with Chase. I also have  XXXX  & am in school full time, so my wife agreed to pay our bills. This is the second time she has been late making this payment in 4 months, which is rare. We mailed a postmarked payment on the  XXXX  of  XXXX   XXXX , the payment was due on the  XXXX , but the company did not receive it until the  XXXX . They charged a late fee. I called the company to get the late fee dismissed but they told me they only give  one  of those every 6 months & I already had one in  XXXX   XXXX . I was informed that federal law protected consumers in the   XXXX   XXXX     Postmark Payment Protection Act    XXXX . I called the company back with this information & was told that bill was only introduced by Congress but never ratified into law. My family is striving to meet our demands on a fixed limited budget to get through school. This late fee has come as an unexpected surprise to our finances. We strived to make our payment on time, but we had no idea that the mail takes so long or that these protections are not actually in place. Please help!
I have had navient and was never properly advised for my best recourse. I also payed and they would state it was late or not paid, which ruined my rating. My attempt to contact is never responded to. I am drowning in debt and navient keeps finding new ways to increase my interest so no matter how much I did pay, I was always owing more.
I contacted Equifax Credit Bureau to dispute inquires that I did not authorize on my credit report. I received a response stating the credit was accurate when I did not make these authorization. Further The credit inquire with XXXX was definitely not made as I have a deposit with their company for refusing to have my credit pulled. 

Following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX reported a hard inquiry conducted by XXXX on XXXX XXXX from XXXX XXXX - oh. This is the second hard inquiry from XXXX on XXXX XXXX. The first XXXX XXXX, TX. I reported this hard inquiry to cfpb on XXXX XXXX ( XXXX ). I was contacted by XXXX this morning and suggested sending a letter to XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.
Equifax has reported negative information on my credit report that is not mine. I do not owe XXXX, XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX any money.
I 've repeatedly asked to have a letter sent showing the debt and the resolution me disputing the item. I have gotten neither. Per the prom note I signed I paid the debt before it went to collections. I have never got a response to my is puts leading me to believe they have never placed one and have not asked for the prom notes and checks I paid them with. One top of the they are rude and refuse to give u a Mgr when u ask for one, but will xfer somewhere where the phone keeps ringing.
I checking my credit report There is collection agency reporting information that is not mine I am retired and have XXXX and XXXX and all my medical bills are paid 100 % I have received no correspondence from this collection agency whats so ever
Hi, Thank you for your time reading my complain, I am currently working part time ; around {$600.00} a month. I had a Student Loan from Discover Bank. They are asking to for a monthly payment around {$200.00}. After we agreed to pay partial payment, they reported me to the credit company as late payer. However, they told me as long as I pay partial amount of money, they wo n't report me. And I paid $ XXXX monthly for the past 3 months.
I am an authorized user on a credit card, but that card does not appear on my Transunion report, even thought it does appear on XXXX and XXXX. Transunion says nothing can be done, and my credit card company says the same.
XXXX XXXX XXXX XXXX. Box XXXX XXXX, XXXX XXXX Attn : XXXX XXXX Re : Account Numbers XXXX ( XXXX XXXX XXXX ) and XXXX ( XXXX ) Re : Social Security No. : XXXX The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting associated with my Social Security Number to the XXXX credit agencies and remove all late reporting as my loan was transferred to several collection agencies while I am trying to pursue work-out options for my private student loan. As I have accepted your agreement on a debt settlement and had my attorney confirm the details in writing and have yet to receive final confirmation from XXXX on the terms. Over the years I have filed pleas to whereby I could make payments more affordable and filed numerous complaints with CFPB to resolve this very serious matter. 
Recently, I have begun search for a more financially rewarding career with promotional potential within the Federal government and it has come to my attention that my late payment ( s ) with XXXX may negatively affect my chances of obtaining a career in the field I am pursing. As you may know, FICO scores are being used more and more in the selection of prospective job applicants and getting security clearances. In light of my renewed focus and demonstrated commitment to rebuilding my trust with your company, I am requesting that you give me a second chance at a positive credit rating by revising the late payment ( s ) as reported on my XXXX major credit bureau files ( Experian, XXXX, and XXXX ) and removing duplicative entries by the third party collection agencies. I sincerely hope XXXX Bank home mortgage believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams. While I understand that it is true that I have been late ; gaining meaningful employment with a salary whereby I can repay my mortgage documents that I am making definitive and positive strides. I would be happy to furnish my job applications and interview logs where I have been competing against XXXX applicants and securing XXXX and XXXX interviews within the Federal government. I appreciate your time and look forward to receiving a favorable decision from you department soon. Please provide your decision on the above-mentioned account in writing on if consideration can be granted. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX
I have a Paypal credit account ( aka XXXX ), I have made a payment to this account as well as obtained refunds from merchants which do not post to my account. I have been calling the customer service department daily for a week asking when these will post. I am constantly promised that it will happen at the end of the day ; when I chack my balance the next day, I find that I was lied to and that payments to the account and refunds do not poat and do not affect my current balance on the account. Where is the money going?