WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX  and XXXX XXXX reinserted a collection account on to my credit report from all state credit bureau. I have investigated this myself in the past and the account was not able to be validate. I even drove out to the address listed on the credit bureau, sent letters an had pictures submitted to the credit bureaus that XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX was closed. I even drove out to the location. Ive contacted the state of Michigan for licensing and the company reporting name is not licensed as that theyre licensed under XXXX XXXX XXXX XXXX XXXXXXXX Further more according to FCRA law FCRA 611 ( 15 U.S.C. 1681I ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Which I received no such letter from either credit bureau. XXXX XXXX XXXX XXXX XXXX as they are now known and licensed under. At XXXX XXXX XXXX XXXX XXXX XXXX XXXX decides to reinsert this information after being closed down from previous address for how long? Mr XXXX XXXX, XXXX XXXX and XXXX  needs to address this situation. From what Im being told is the account is paid off and terms agreed to by XXXX   XXXXXXXX XXXX XXXX of the harassing calls they made to my home that a pay for delete was verbally offered by there office. Which of course will be denied on there end.
I recently made an XXXX sale of {$65.00} to a buyer with a US shipping address. However, when I checked the associated PayPal transaction, I found that PayPal had charged a non-US fee rate of 4.4 % + {$0.00} instead of the US fee rate of 2.9 % + {$0.00}. The buyer had a verified US address but was allowed to use a non-US PayPal account. This situation is unacceptable because sellers have no way of assessing their net earnings if PayPal 's fee is undetermined at the time of purchase. There was no advance notice of the seller using a non-US account, so I could not have anticipated the non-US fee rate.
Dear CFPB investigator I have opened this account for just about one month, and today I received my first statement with a {$25.00} service charge. I think it was because I didn't meet the {$7500.00} minimum balance to waive the fee, but I have added an external bank account ending XXXX from XXXX to fund my account, and I saw the account was disappeared after I scheduled an external transfer? So may I know why do People 's United Bank removed my external account and cancelled my external transfer? And could you please ask the bank to waive my {$25.00} fee, which was caused by the bank cancelled my external transfer and not meet the {$7500.00} minimum balance. 

Thank you, XXXX XXXX
I am writing this after learning that my typical 845-860 credit score dropped to XXXX! You can understand how upset I am to see this occur as a XXXX who has had almost perfect credit scores her whole life. The reason for this credit score drop was a result of a past due delinquency in my credit files that was reported by XXXX XXXX XXXX XXXX XXXX Credit Card. This late payment was due to the fact that I opened up a XXXX XXXX card in XX/XX/2018 for a {$8.00} purchase, actually as a favor to the sales girl making a pitch. I never received a statement and didnt even receive the credit card. I called in XX/XX/XXXX after I saw that something was going on with my credit report as I was advised my credit score dropped to XXXX. The first thought was that someone had stolen my identity, but after pulling my credit report, I saw it was due to a " delinquency reported by XX/XX/XXXX. Of course, I got in touch with XX/XX/XXXX and paid the bill in full, including all late fees, after realizing this situation and advised their representative that this oversight was as a result of not ever receiving a statement. I did not receive a statement for this new credit card. I have many personal and business credit cards as I own my own business so when I dont receive a statement, I do not think there is a balance due. 
As you can understand this late payment reporting for an initial {$8.00} ( yes XXXX dollars ), has adversely affected my credit record which I rely upon as a minority certified business owner in Florida. I sent a letter to customer service requesting a revision of this delinquency as I never received the statement after opening this new account and to date have not even received the credit card. They denied my request. I urge you to please check my credit history and see that I have had excellent credit throughout and see the unfairness from this bank. They have terrible reviews and testimonials that support their poor business practices. I thank you for your consideration.
Called to cancel my American Express card. Was told by the representative that my annual fee would be waived if I cancelled, but then was informed that I would lose my companion passes if I did so. So, I did not cancel at that time XXXX read : he was able to " save the account '' ). Then, when I called to cancel today, I was informed that I was one day outside of my window and I would be required to pay the fee. When I was on the phone with the first representative, he never informed me that I had a specific window to close the account without penalty. I am convinced he did so to save his numbers and not get dinged for a lost card.
I Sent portfolio recovery a letter on XXXX XXXX,2017 requesting that they validate The debt of {$420.00} they say I owe them. I never had an account with profolio recovery and the social security number portfolio recovery had on the account was n't mines and I want them to remove the collections off all XXXX credit reports
I have disputed this outdated account listed on my credit file that is also unknown to me. I shouldn't owe any medical debt. I haven't received anything validating this. It shows on my credit file first reported in XX/XX/2012 after looking through all my records this is unknown Please help
On   XXXX   XXXX   , 2017 a c reditor known as  XXXX   XXXX  showed up on my credit. There is no contact information that was provided for this creditor, and I do not recall doing anything that would result in a hard credit inquiry.
My name is XXXX XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night  when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed, now Im trying to fix my credit, People are also putting apartment and other things in my people will also put in the apartment and other things on my name
ON OR ABOUT XX/XX/XXXX I AUTHORIZED ALLIANCE TO TAKE XXXX A MONTH FOR A PAST DUE BILL. I TOLD THEM IT WOULD BE GOOD UNTIL ON OR ABOUT XX/XX/XXXX RECORDED! 

I FOR GOT TO CHECK IN XX/XX/XXXX TO SEE IF THEY STOPPED TAKING MY MONEY AT XXXX XXXXXXXX. I CHECKED MY ACCOUNT IN XXXX OR XX/XX/XXXX I CALLED ALLIANCE ONE, RECORDED. I TOLD THEM DO NOT TAKE ANY MORE MONIES FROM MY CHECKING ACCOUNT OR MY DEBIT CARD. 

THE END OF XX/XX/XXXX I HAD TO PUT IN A STOP PAYMENT AND REVERSE THE UNAUTHORIZED PAYMENT TOOK BY ALLIANCE ACH TRANSACTION. 
AFTER I TOLD THEM TO STOP THE PAYMENTS RECORDED! 

THE END OF XX/XX/XXXX ALLIANCE DID IT AGAIN BY COMMITTING FRAUD ALLIANCE WITH NO RESPECT TOOK ANOTHER PAYMENT. 
THEY CHANGED THE ACH PAYMENT TO A CHECK NOW!!!! 

KNOWINGLY IN VIOLATION OF 18 U S C 1001. 

THE END OF XX/XX/XXXX ALLIANCE DID IT AGAIN AFTER I CALLED AND I PUT IN SEVERAL STOP PAYMENTS AT MY BANK WITH FEES. AND DISRUPTION TO MY BANK ACCOUNTS AND MY CHECKS WAS BOUNCING!!! 

I CALLED MY BANK TO GET THE FEE S REVERSED AGAIN! AND A STOP WAS ISSUED! 

MY BANK SAID TO COME IN AND CHANGE MY ACCOUNT NUMBER I HAD FOR ABOUT 30 YEARS. 

I TOLD MY BANK I WAS CALLING THE POLICE DEPARTMENT FOR THESE REPEATEDLY BAD ACTS DEALING IN VIOLATION OF THE BANKING LAWS AND RULES AND POLICY. 

YES I WAS HARMED IAM LOOKING FOR THIS WHAT EVER CLAIM THEY ARE ASKING ME TO PAY. 

I AM SEEKING DAMAGES FOR MY PAIN AND SUFFERING IN AMOUNT OF {$15000.00} AFTER MY BANK CONTACTED ALLIANCE WITH MY CHARGES OF FRAUD AND GOING TO THE POLICE, AND THE STOP PAYMENT. 

ALLIANCE DECIDE TO COVER THAT XXXX! 
BY SENDING ME A FRAUDULENT LETTER I GOT YESTERDAY DATED XX/XX/XXXX. STATING : DEAR MR. XXXX THIS IS TO NOTIFY YOU THAT YOUR POSTED DATED CHECK OR PRE AUTHORIZED CHECK IN THE AMOUNT OF {$50.00} WILL BE DEPOSITED ON XX/XX/XXXX. THANK YOU FOR YOUR PAYMENT!!!! 

NOT TRUE!!!! 

SEE AND READ MY STOP PAYMENT HISTORY AT XXXX  XXXX XXXX LISTED IN THIS COMPLAINT. AND MY COMPLAINTS FILLED AT MY BANK FOR THE MONTH OF XXXX, XXXX AND XX/XX/XXXX. THATS FRAUD!
Saturday,  XXXX   XXXX ,  2017 ; I m ade a payment before the  XXXX   XXXX  due date, but did not receive a payment confirmation number receipt of my payment or an email. On Monday,  XXXX   XXXX ,    2017 ; I c hecked to see if the payment was posted, and it was not ... I attempted to make the payment again, and it " went through '', gave me a confirmation number, but has yet to send me an email confirmation. While attempting to make the payment, I noticed that the screen did not state that it was past due ... Additionally, I noticed that once I clicked the payment button, all of my accounts appeared readily available to accept payments. This is preposterous, as only  XXXX  of those accounts appear when I login - my business, and  XXXX  credit card. Bank of Americ a ( BoA ) is tryin g to subject me to money laundering by having these accounts open but not giving me the ability to use each ... Additionally, not accepting payments or rather, not presenting a customer proof of payment is egregious.
I have settled an account with collection agency XXXX XXXX and they agreed to delete the account once it 's paid. The account was deleted on XXXX XXXX 2017 and experian re inserted the collection account by XXXX XXXX, 2017 without giving my 5 days notice as it is my right to be notified if an account is being re inserted and I called and sent in proof the account was paid and removed and re inserted I disputed with experian and XXXX sent me proof they sent to experian to remove the negative trade line and still experian still has n't removed the negative account
Unfortunately, my house sustained damage during 2017 hurricane season. After seeing the advertisement on TV for mortgage payment deferred program I immediately called Wells Fargo to have my mortgage placed in a forbearance period. I was told I would not have to make payments for three months and payments would be moved to the end of my mortgage. As the three months approached I received harassing phone calls and threatening letters to make payment, if not, I would face collection or worse foreclosure. 

Wells Fargo did not follow the law. 

I am a hard working individual and I must say, I was treated unfairly.
I was reported 30 days late by my bank which I have a line of credit with. For some reason our check did not get processed properly because of a bank error or mistake. They got my check and then returned it back. We followed all bank guidelines for listing information for external payments coming from banks. As of a result my payment was never processed properly and a negative remark was placed on my credit report. I 've disputed and requested an investigation however I 'll I got was a letter from equifax saying that my letter was sent by someone else and they we 're not going to help me .... I sent it in and attached my ids.. weird that they would send that to me. I need to get this handled because I have goals in the future for my credit. attached is the usps tracking number and the letter XXXX sent me along with the check image thanks vijay
I pulled up my equifax credit report and XXXX  report and it not reporting incorrect. and all my credit cards have been removed from equifax reporting and im missing five credit accounts on my equifax report and i contacted XXXX XXXX they refused to submit a documents to the credit bureaus and told me that i need to put it in writing which i refuse to do because i did it in the past and never got a response from them and there are no credit accounts are being reported on equifax equifax didn't have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DIDNT REPORT THIS XXXX XXXX XXXX XXXX XXXX XXXX
I believe Bank of America ( BoA ) is mishandling my escrow account and the monies I have deposited therein for payment of my homeowners insurance and property taxes. They are notifying me I have no homeowner 's liability insurance. I do have such insurance ; the premium is paid by BoA from my funds held in a BoA mortgage escrow account. 

On XX/XX/XXXX I received urgent phone calls from an agent for BoA stating that I do not have homeowner 's liability insurance. On XX/XX/XXXX I called BoA and spoke with a BoA agent who told me the certificate of coverage issued to me by my insurance carrier as proof of coverage would not suffice as proof of coverage, and that BoA required a copy of the policy itself. I told him the policy itself does not show a coverage period or any premium information, and that in my years of defending residential foreclosures in state court the certificate of coverage or binder was the only documentation BoA would accept as proof of coverage. I gave him my insurance agent 's contact information. On XX/XX/XXXX I faxed him an 8-page letter with attachments including my 'continuation notice ' from my insurance company. ( Attached here. ) I filed a complaint with the NYS Department of Financial Services ( DFS ). BoA has called and written to notify me they received the DFS complaint and are investigating. I have since received a notice, not a bill, from my insurance company stating the premium is due on XX/XX/XXXX. 

I changed insurance carriers in XXXX. BoA paid my old policy premium and a few weeks later paid my new policy premium. Shortly thereafter they notified me I had no insurance and threatened to purchase force placed insurance. I filed DFS and CFPB complaints. BoA notified me they would not bill me for force placed insurance. I know they paid my new, current, insurance carrier, because documentation I received from my carrier showed payment in full by mortgagee BoA. I was unable to determine if BoA handled my escrow funds correctly because they refused to provide plain-English documentation of payment of either premium. 

BoA needs to pay my homeowner 's insurance policy premium in full once a year and stop XXXX around with my escrow account.
Before I start, I want to clarify that my complaint isn't related to any loan. However, I thought this was the category with the best fit. 

I purchased a car from XXXX XXXX XXXX on XX/XX/2017 with a cashier 's check from Citibank. The car dealership accidentally sent my car title to Citibank NA as they wrongly assumed I was financing my car through them. 

I'm now trying to obtain the title and the California DMV has told me that Citibank NA is the electronic lien title holder. I've tried to contact Citibank through multiple channels to request them to release the title ( as they're holding it by mistake ) and I've obtained no response so far. They tell me that they sold their car financing business years ago but they are listed as an XXXX  holder - otherwise the car dealership couldn't have sent the title to them. The situation is frustrating and pressing because I need to sell my car and I'm unable to due to the fact I don't have the title. 

Note that I've attached the following documents : - Letter from DMV stating that car title is held by Citibank NA - Sales contract proving that I paid the full amount with a check/cash ( {$18000.00} ) - Cashier 's check receipt from Citibank for the amount of {$18000.00} - Car 's registration card that proves that the car dealership incorrectly sent the car title to Citibank NA Car 's VIN : XXXX
XXXX is reporting the account is closed. The reason the account is closed is I met the full requirements of the loan and paid it in full. I would like the credit report to reflect paid in full.
I finished school in XXXX. My first complaint is aes customer service reps do not help the borrowers find the best repayment plan and they withold information. They are typically not even knowledgeable about loans and accounts and repayment. I have often received a cut and paste answer that never answered my questions. I started making payments in XXXX and was about {$31000.00} in debt. I was never told about the income based repayment plan and for the first 4 years I paid large payments and for less than a year I was on unemployment deferment. Then a co-worker told me about income based plan. So I applied and it was a process and I paid so far ahead I was in paid ahead status so I had to write a letter saying to remove the status. First off they say your loans " may be forgiven '' after XXXX years. I am furious my first XXXX years do n't count towards the XXXX even though I paid so much. When I start paying in XXXX I paid down my interest. I recently found out my loans accrue {$110.00} of interest a month and my {$100.00} payment obviously does n't touch the principal. I was told the payment would be disbursed to interest then each loan even if just a few dollars. I find out that I have {$2000.00} in outstanding interest and I do n't understand how. Also when I reported my interest for taxes in XXXX I paid {$1100.00} and in XXXX I reported {$770.00} so my income and payment was very close but how the XXXX did I pay so much more interest in XXXX? I have been paying loans for almost 6 years and I am steady {$30000.00} in debt. I paid off XXXX XXXX and a XXXX loan so that was like $ XXXX XXXX and I paid at least {$7000.00} to aes yet my balance only dropped to slightly below {$30000.00}? This is insane. Clearly there is an issue with income to debt ratio and something is n't right. I feel I am being taken advantage of. I know I borrowed the money but I regret it big time. I wish I never went to school. All I am saying is I had to figure the loans out on my own since I was XXXX with no guidance. I am XXXX and would like a fair shot to pay these loans off without the interest jumping every time I turn around or not being properly warned that the income based plan is the worst plan for someone and not helpful as advertised.
Employee Discrimnation denial of bank accounts closure. Every account that Wells Fargo opens is being close premiered he to stalking Fraudlent charges against the victim account.
XXXX XXXX, amount of XXXX. I have disputed this account with all XXXX credit reporting agency. I have no knowledge of this account.
There are XXXX closed mortgage loans that are inaccurately reporting 30 day lates. According to the notes, payments were made within 30 days of due date. I 'm having difficulties reaching them by the phone number on credit report to an attempt correction. The XXXX creditors are as follows : XXXX
id theft victim sent po report inaccurate information sent all the violation to Transunion, XXXX, XXXX
Over the course of many years Navient failed to inform me of my income-driven repayment options and allowed me to continue with forebearances. This resulted in accumulating massive amounts of student debt over and above the original loan amounts.
This is a complaint against Bloomingdale 's Credit Card and Bloomingdale 's Credit Card ( American Express ). The motive of this complaint is because I have both of the credit cards blocked for about 2 to XXXX weeks. I have a high frustration for the personnel that functions these credit cards. Every time I buy something in the store, I have to keep calling the Department of Fraud to keep verifying my identity. I can understand that it would happen a couple times by error, but it has happened 10 times. I am insanely mad with the waste of my time and credit because of the frustration of this situation. What else do they need? They keep calling and I have to keep verifying my identity every time. They send me messages with codes, I give them codes and this keeps going on. I ask them, how far will this go? I ca n't do anything or check anything because of the constant blockage. 10 days ago I had bought a large amount of items and when I went to pay the account was blocked once again, and once again I had to do the whole process over again. But this is the limit that I 'm going to take with my patience. This department of fraud says that I have to receive a letter and follow those steps to get my account to normal. They told me that I had an account for Macy 's and it was opened by fraud, which is true because I was a victim of identity theft but this problem was resolved with the Department of Fraud of Macy 's. And everything was resolved through that department and Consumer Financial Protection Bureau. I am tired of the lack of respect with so many verification that I have to do.
I was approved for a forbearance and I was told it would cover all the time I was late. But it still shows on my credit report as late on both occasion that I was approved for an forbearance. I wrote to have them removed and I have still not heard anything from the company.
Capital one ( XXXX ) XXXX I had a fraudulent transaction made on my account made in Monday XX/XX/XXXX at a XXXX store for {$140.00} and I received an alert on my phone App. I immediately reported it to the credit card company and told them that I was at work during that time and somehow there was a fraudulent activity on my account. They told me not to worry about it that my account was 100 % fraudulent protectected against unauthorized transactions and they removed the charge on XX/XX/XXXX. Then I received a letter that the investigation was closed and that they had determined that I was not liable for the fraudulent transaction. On XX/XX/XXXX XXXX rebilled the {$140.00} and said that pretty much they changed their mind and spoke to supervisor ID XXXX and said that they are holding me accountable for that transaction. I said if that I am not willing to accept responsibility for a transaction that was not made by me. She said that I couldnt do anything else and that I have to pay that unauthorized transaction.
Huntington 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.
I have been trying to get a copy of my pay history on my student loans. I would like to see a detailed record of any 30-60-90 day late periods. 
I also want to know where I can find or be provided with Policy on how and when information is reported to credit agencies
I have established auto pay with XXXX of my credit cards through my bank ( BB & T ). When the credit card request payment, BB & T does not pay. I have received a letter from XXXX Bank for XXXX payment stating they are closing my account for dishonored payments.When I do my payment on line, it does go through. I now have the credit card suspended. I 've went to BB & T several times with no satisfaction .I am also been reported to credit bureau. How can I make sure my credit has not been harmed?
Wells Fargo bank is XXXX around with my mortage and they are forcing insurance on me for my home i live which i dont need, I already have insurance through state farm insurance and i am not happy with wells fargo at all trying to focr insurance on me and trying to charge me for it. Not happy at all. Something needs to be done and wells fargo needs to be dealt with. Its like the government trying to XXXX XXXX on me which i dont need. Please fix this XXXX.
I have a Bank of America checking acc for 20 years. I also have an HSA AC with them. I made my annual transfer from checking to HSA. They are holding the funds for 10 days?.? This is SIMPLY outrageous. They took the funds from my checking and are holding them earning interest while I have bills to pay. There is no further verification needed as they know who I am and they HAVE THE MONEY as its out if my checking acc the day I transferred.

This is abusive behavior. It should be same or next day. 
This happens every year. Its unacceptable.