WillisBack/dataset-financial-user-claim huggingface dataset:
I placed a freeze with ALL 3 credit reporting agencies due to the Equifax breach last year. I'm finally at the point where I want to permanently remove all freezes from these accounts. I had ZERO problems unfreezing my accounts with XXXX  and XXXX but am currently trying to undo the freeze on my Equifax account and can't use their online service and their people are only in the office Monday-Friday over the phone. I need to have background checks done to move into an apartment and think that it's ridiculous that the credit reporting agency who started this whole mess for me in the first place is the one holding me up for getting a background check done to move. CAN SOMEONE PUT THE INCOMPETENT BLOCKHEADS WHO RUN EQUIFAX OUT OF BUSINESS ALREADY?!?!?!
For the past two years I have been trying for Consumer Portfolio Services to verify the transaction history on my auto account and fix it since I was never past due as what it shows on my credit report, it shows me being past due in XX/XX/XXXX in the months of XX/XX/XXXX ( 30 days ) XX/XX/XXXX and XX/XX/XXXXand XX/XX/XXXX ( 30 days ) XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX leading all the way to XX/XX/XXXX when I paid off my account, I'm also submitting for further review under the FTCP for the way they collect as my account was only 1 day past due, my records reflect different as not past due, I also tried calling them with no success, no one will respond to me.
Experian is reinserting deleted accounts on my credit report from XXXX XXXX XXXX. All XXXX XXXX XXXX accounts were deleted by Experian. Experian was unable to verify these accounts. XXXX XXXX XXXX has resurfaced on my credit report after it has been deleted without a 5 day notice which is a violation of the FCRA these are the same accounts, same amounts owed. These accounts were deleted more than once from my credit report and now they are reinserted without my knowledge again. Experian is required under the FCRA to have properly verified the accuracy of these accounts if they have verified as required and requested why are they being reinserted? 
This is fraudulent and unlawful. As this collection agency and Experian appears to have resuscitated a confirmed deleted account on my credit report. I have continuously disputed this with Experian and they have only added a comment to my credit file saying that the consumer disputes this account. That is not acceptable!! I demand to have these fraudulent accounts removed from my credit file.
I have asked trans union to investigate a Bankruptcy that is being reported on my credit report and as of XX/XX/2018 they have refused. I have personally called the bankruptcy courts and they tell me that no information is ever released to trans union or any other credit reporting agency. I demand that Trans union provide me proof that a bankruptcy belongs on my report, I demand they provide information from the courts with my personal information. I also demand that trans union does not write any information on my credit reports.
I always check my account before I use my ATM card and anything I use my ATM card Bank of America takes the money instantly from my account. but they will charge me for sufficient fee even though they have already taken the money from my account The outrageous part is, I take money from my ATM and they charge me insufficient funds even when I had money in my account. I recently wrote a check for {$1000.00}, my account balance showed I had money in my account but they charge me a fee for inefficient funds.
Ref : XXXX Date submitted to CFPB XXXX/XXXX/XXXX I am referring to my complaint that was submitted on XXXX/XXXX/XXXX in regards to complaint number XXXX ; where a specific requirement was to agree on a moratorium for payment of interest until the dispute matter was investigated. The bank did confirm in a letter to me that no ACH deduction will be made ; it would then seem this would also apply to manual payments to the bank to stop until the bank would have time to investigate my claim. 
The claim was answered on XXXX XXXX XXXX. However, meanwhile Wells Fargo has been continuously reminding me of my payment requirements for the disputed account upon visiting their bank website to complete some bank transactions. I wrote them a secured email via bank channels to advise them that the matter was under investigation. 
On and around XXXX XXXX I received a call from the bank representative XXXX XXXX who has been working on the above claim XXXX that they were completing the findings. I asked her that since I have not been paying the loan interest for XXXX ; what she would want me to do since XXXX was around the corner. She recommended that I pay. I also cautioned her that the bank should not report me for late payment and charge me a late fee. She confirmed she would ensure this was communicated. I made the payment to the bank the next day for the XXXX and XXXX interest. The bank wrote me on XXXX XXXX XXXX, I received the copy on and around XXXX XXXX. I was not able to access the reply from the CFPB site because access was denied. 
I am not finished with this complaint ref XXXX, since the bank has requested more information. 
On XXXX XXXX XXXX ; Wells Fargo called to inform me that based on their findings I was 32 days late on the payment to the home equity and that they were reporting to the credit bureaus. I told them that that this should not be the case since the account was under dispute ; I have also received a letter from the bank on any ACH deductions until the matter is resolved. They were not aware of the letter and insisted based on their review that because I was late by 32 days they would proceed reporting to the bureaus irrespective of the dispute. 
# 1. Wells Fargo admits that an error did occur in their findings with respect to the existing loan. The closing attorney of XXXX refused to pay their claim because the document had incorrect records on the second mortgage. 
# 2. The bank admitted error in unilaterally taking monies out of my account for XXXX on a non-existing secured loan and refunded the payment after 3 years in XXXX The bank must recall posting the late payment history to the credit bureau with immediate effect. If one has been done they must recall and advise me and the CFPB that the action has been completed. 

The XXXX XXXX call originated from XXXX at XXXX XXXX
In XXXX I attended XXXX University in XXXX PA for about 1 month. I had applied for my GI bill to pay for my attendance. I dropped out after about 1 month and returned to the military. I have my XXXX paperwork showing I went back into the service. On my credit report AES is reporting that I owe over {$5000.00} and XXXX XXXX XXXX XXXX XXXX is also reporting a very similar amount. I did not even finish a semester. I have tried contacting the creditors directly but I keep getting the run around. They have been taking my tax returns and not reporting them and considering I only attended school for, at most, XXXX months, I do not see why the full amount would be owed by me to the lender and the government. I really need someone to help me sort all of this out because, as stated, I am getting the run around and not able to get any documentation from any institution regarding anything.
Today ( XX/XX/XXXX ) I checked credit report ( Transunion ) in order to make the preparations needed to buy a house. One of the hard enqiries is from a company called National credit card/Airlines : dated : XX/XX/XXXX. Transunion just gave me a run around to contact another company. I don't know why this National credit card/Airlines is on there and I don't know what it is, but I didn't apply for anything with National credit card/Airlines. I'm trying to fix my credit so I don't need hard inquiries I have nothing to do with on my report.
XXXX XXXX  XXXX. XXXX was the lender for a property at XXXX XXXX XXXX, XXXX, XXXX that was FHA financed. The closing was in XXXX, 2016. It was sold under the XXXX ( XXXX XXXX XXXX XXXX XXXX ) aka 24 CFR 291.545 ( c ). which gives the selling broker the right to collect their commission from the purchaser. This was in accordance with HUD 9548 contract between the buyer and HUD which showed no real estate commission was to be paid by HUD. A written agreement was entered into between myself and the purchaser for the payment to me of a {$10000.00}. commission. XXXX XXXX received a copy of this agreement prior to the closing. However, they also received a commission bill from a HUD listing broker*. ( who would later admit in writing ) that they performed no selling services in the transaction. Annie Mac prepared the RESPA DOCUMENT that the Title Company subsequently used to make the commission payment to be made as shown in the RESPA statement on lines 700-703. This showed the HUD broker was to collect 1/2 of the {$10000.00} commission - {$5400.00}. 
( CFPB should also be interested in this complaint because the commission was paid for by the purchaser to the other broker with HUD mortgage proceeds. ) *HUD listing brokers only receive commissions when HUD specifies this in their 9548 contracts with purchasers. The HUD 9548 HUD approved did not have a commission stated because the sale was a GNND Sale. HUD sells these properties at 1/2 price as part of a " XXXX XXXX XXXX '' to teachers, police officers, teachers, and EMT 's. They did not qualify as a " third party beneficiary '' in this sale.
My husband and I returned from vacation on XX/XX/XXXX and upon opening our mail we discovered a lot of our bills had been doubled, I called the bank and non of the checks had been cleared and rather than place a stop payment I was advised by the bank to call the USPS to see if they've been having any issues. I called the USPS and I was told they had been having a lot of mail theft. I went to the bank and closed and opened accounts and the following day XXXXXX/XX/XXXX. I filed a claim with the USPS and I called all of the consumers and informed them of the mail theft and took care of my payments with my new account information and thought all was well. We are in the process of refinancing our house and on the credit report Bank of America reported us being 30 day late, which is affecting us from refinancing our home. I've called Bank of America numerous times, I spoke to XXXX on XX/XX/XXXX and she spoke to her manager XXXX and I was informed they were filing a claim with back credit office. I was told to follow up in a week, I called XX/XX/XXXX and spoke to XXXX and she was advised by her manager XXXX to fax over any documentation that I had regarding this matter and to call her to inform her that I had faxed over the information. I would constantly get her voicemail leaving messages and after several days XXXX called me back on XX/XX/XXXX, asking me what all had happened and he said unfortunately when I had called the first time and they wrote the credit department they did not include detailed information. XXXX told me he would then submit a new request. XXXX called me the following day informing me that my claim had been denied. He then explained that once it's been reported as a late payment it's difficult to reverse due to the auditors. I asked how is that my fault and that this is something we couldn't control, how can we control mail theft. XXXX said I had other alternatives ... he said I could of done banking online and automatic payments and he kept referring to his auditors. I am a consumer and I am being affected due to mail theft, something that was totally out of our hands and Bank of America saying I had other alternatives. The USPS has made it clear that they've been having issues since XX/XX/XXXX. I asked the Post Office why they haven't posted anything on the drop box informing everyone and I was told it is government property so they are not allowed to. We have lived in our home for 18 years, we have plenty of equity and all we are asking is that the 30 day late be removed and corrected with the 3 bureaus, XXXX, XXXX and XXXX.
In reviewing all three of my credit reports, I noted that a tax lien that contained erroneous information was on all three reports ( XXXX, XXXX, Equifax ). I wrote to all three agencies, and XXXX and XXXX immediately the erroneous information from my consumer report. <P/>However, Equifax " verified '' the erroneous information as correct. However, Equifax did not abide by the FCRA by going to the source of the alleged erroneous information, instead they went to their business partner, XXXX. <P/>In other words, Equifax simply used its own records to verify the erroneous information. <P/>See, XXXX XXXX XXXX XXXX As there is no dispute Equifax and XXXX are in a partnership, as they released the above press release. <P/>In an effort to resolve this prior to the FCRA complaint I will be filing, I sent another letter to Equifax asking them to please abide by the FCRA and complete a " reasonable investigation '' This letter was completely ignored. I even asked Equifax to run my name, XXXX XXXX through XXXX, to show I was serious and was still ignored. <P/>I have retained XXXX XXXX XXXX and they are preparing the FCRA complaint. As the FCRA allows for punitive damages for a willful violation, I am filing this Complaint, which I expect Equifax to ignore. <P/>I under the CFPB can not represent me, but a punitive damages award against Equifax will help all consumers, because if Equifax will violate the rights of a consumer that clearly will litigate, there is no telling how they are treating less informed consumers. <P/>Thank You
I made a prior complaint under Case number : XXXX. I received a written response from US Bank ( not within the timeframe ) advising that I would get a final written response summarizing the completion of my lease and any amounts owed. My lease terminated in XXXX, 2016 and I have yet to receive this promised statement. I am unsure if there was actual receipt of my returned vehicle. I am unsure if there are any outstanding charges that may impact my credit score. I am unhappy over the broken promise as well. I would not recommend auto financing with US Bank to any consumer given my experience.
We had water damage in XXXX of 2016 at our house. We received our check from the insurance company and then submitted all required documents and check to our Mortgage Company ( Penny Mac ) on XXXX/XXXX/2016. Even though we submitted ALL of the required documents Penny Mac would tell us that we were missing a document even though they had it. After a month of going through that they told me a check was cut on XXXX/XXXX/2016 and being overnighted. I received a Fed Ex tracking number on Tuesday XXXX/XXXX/2016 from Penny Mac that indicated my check would be delivered on XXXX/XXXX/2016 by XXXX. We did n't receive the check so on XXXX/XXXX/2016 I called Penny Mac and ask what the status was. Penny mac told me that I had a " zero balance '' and that a check for {$29000.00} was mailed through XXXX to us on XXXX/XXXX/2016. I told them we did n't receive it ... so I called XXXX ... they told me that the package ( my check ) was never called in to pick up ... so I called back Penny Mac who insisted it was picked up ... so I called XXXX back who track it back to Penny Mac and said they only created a label for it ... so I called back Penny Mac and they did admit now to not sending the check yet, but it would be sent XXXX/XXXX/2016 ay XXXX ... .so I called XXXX this morning ... .guess what? Surprise! No check was picked up. At this point, I 've made maybe a dozen calls and have done ALL I 'm suppose to do. I have significant damage to my house and just want to get back o normal. It 's been two months. Forget about the incompetence because there has definitely been a ton of that ... now Penny Mac is just flat out not telling the truth. I have done EVERYTHING I 'm suppose to do and now I 'm claiming Penny Mac is unreasonably withholding my check. I do n't know where else to go or who to turn to ... I 'm hoping you can help. I can much better explain this in person. Thanks for your help and consideration on this claim.
COLLECTIONS Opened XX/XX/2015 {$300.00} that collection is not mine and was deleted on XXXX and XXXX but Equifax still posting on my credit report I had a phone conversation with Equifax customer service and they toldme will investigate but I did n't receive any information
I noticed I have been getting charged for Payment Safeguard service that I did not sign up for. This is not the first time I have had citibank charge me a fee like this. I cancelled last time. But I did not authorize it either time. I did n't notice at first b/c my accounts are on auto pay.
XXXX XXXX XXXX {$210.00} Balance is {$0.00} now XX/XX/2013
I maintain a Regular Checking account with Bank of America, N.A. Bank of America recently announced that as of X/XX/17, all non-Bank of America customers cashing my personal check at a Bank of America location will incur an {$8.00} fee for each check over {$50.00}. Arguably unlawful, this practice is blatantly discriminatory towards those without the means, ability, or standing to maintain a bank account of their own ( e.g. the poor, illiterate, or undocumented ). It makes a mockery of the simple, time honored concept of a personal check. To wit, my personal check is my exact written order for the bank to pay the specified amount to the payee on demand upon verification of their identity and availability of funds. It is a service the bank agreed to provide to me in exchange for my maintaining a balance. The payee is not a part of that service agreement. Rather, the payee is being forced to pay a fee to obtain that which is rightfully theirs. In short, the bank is committing larceny while calling it a transaction. <P/>I have communicated my views on this proposed action to Bank of America but I am but one voice. I ask the CFPB to take action. Please do not allow this practice to stand. It is an avaricious, cynical corporate reach for dollars off the backs of those who can ill afford to part with it.
Credit indebtedness had been satisfied and yet the credit card companies are reluctant to remove or change the status of my credit report.
To Whom It May Concern, XX/XX/2018 My complaint is against Fay Servicing as they were assigned my Mortgage while I feel behind during my divorce. I had file a complaint in XX/XX/XXXX ( XXXX ) regarding a lien that was placed on my property for unpaid utilities and XXXX  quarter taxes, in their response to that complaint they stated that it was for utilities alone and that they werent responsible for those which is true however there was also the XXXX  quarter taxes in that lien for which I borrowed the money from my employer to pay this lien on XX/XX/2018 ( see documents ). I called my case manager XXXX XXXX and explained all this to him but he stated they paid the taxes. I then went to the XXXX City tax off ice and spoke to XXXX, the tax collector and he printed everything out for me for which I had sent to my case manager and called to follow up but he never called me back. The only thing that was resolved from that first complaint was that they did grant me a temporary mortgage modification agreement for which I agreed to accept. I am still waiting for the credit ( {$1000.00} ) to apply to my account for the taxes I paid however my case manager XXXX XXXX stated via phone this morning that they are not going to refund me that money as there is no shortage on my escrow account however my mortgage includes the insurance and tax payment therefore I am paying paying them twice, once to the city on XX/XX/XXXX and again in my mortgage payments. I also never received and explanation as to where the {$47000.00} they received from the XXXX went toward my account as it appears there is still a forebearance showing on my account and that money issued to them in XX/XX/XXXX. shouldve covered and past due payments, taxes or fees to my account when I feel behind.
Since  XXXX   XXXX  I have been disputing  XXXX  accounts on my credit report with a company called  XXXX   XXXX   XXXX . I sent a few letters to them previously asking them to validate the accounts that maintain under my social security number.  3 fail ed attempts and no contract was provided. I contacted the Credit Bureaus and the accounts was deleted, however after a recent update the accounts are back.  XXXX  account is now being reported again with a {$0.00} balance and the other  XXXX  has a {$120.00} balance and states account meets FCRA requirements if some new documentation was presented it was not provided to me. Also I reside in Maryland and Maryland law states that a debt buyer must be licensed. I checked my state websites for debt collectors and  XXXX  is listed as closed. My recent letters have been unanswered and the Credit Bureau is not assisting me at all.
I have had a continued issue with lender placed flood insurance which was placed on my home by Chase in error. This occured on my first and second loan. I attempted to resolve this issue on numerous occasions without success. Due to this insurance my mortgage payment was increased on both my loans, and I fell behind both. With the help of the XXXX XXXX XXXX the lender finally cancelled some of the insurance on the loan. I had requested that they refund me all of the late fees, and foreclosure fees for double charging me for insurance on the first and second loan. To date, they have not refunded me the entire amount of these charges.
Applied for a Load modification and was approved by current lender in  XXXX  of last year after my mortgage amount increased by  XXXX  a month.I sent the  XXXX  payment in and apparently that payment was never applied because the modification was already approved so I was told that  XXXX  payment was sent into the first trial payment was told that my first official month would not start for trial period would not begin until  XXXX  so that put me a month ahead with t he 3 trial payment period so I made all 3 payments well within the time period given but as this is going on im still getting collection calls about my reg mortgage payment I ha d to explain each and every time that I was in Modification process and was making trial payments they had no idea what I was talking about the third and final trial payment was paid  XXXX  of   XXXX   here we are in  XXXX  and the process has still not been completed and every month since  XXXX  is showing missing payment on my credit report as well as my loan so my statement is reading that I owe  XXXX  in missed payments and late charges I have been calling every week trying to get this problem corrected all im told is to just keep making trial payments until everything is final so I have been doing just that but  Im looking online and I see my escrow account is in negative and I have a 10k d eliquent balance on my account I keep getting blown off put on hold transferred to people who cant help me then i was told an error was made on their end as someone entered the wrong percentage rate and that was the reason for the holdup I told them that  my credit score took a huge dive  because they were still showing delinquent payments since  XXXX  no help no return calls and no answer as to whats being done to fix this problem I even sent email to the escalations department no answer from them either pleas help!!!
On several different occasions such as XXXX XXXX2017, XXXX XXXX, 2017, and also XXXX XXXX2017 contacting these companies and bureaus trying to delete these inquiries and they sent letters back saying that these inquiries are accurate and true. That is a lie these inquiries are in fact made by someone else.