WillisBack/dataset-financial-user-claim huggingface dataset:
I recently pulled my credit report and noticed a collection from Midwest recovery systems. I have never been notified by this company about an outstanding debt, they just placed a collection on my report. The original creditor shows as rockford and after research I see its for a payday loan in 2011. I have never had a payday loan. I sent in a request for validation and Midwest never responded.
I went to a dentist and was offered the Care Credit Card I did n't know about a 6 month promotion or that the card had security on it that was {$50.00} per month. I made my usual requested payment and the balance got higher and higher along with the monthly payment. I have called them on several occasions closed the account had the card security taken off. All I can afford to pay is {$25.00} per month only for the services I received I explained this too them. I get call after call letter after letter.I stay on hold for hours and nothing is resolved. I will pay for the services I charged but not for the other interest and fees.
Experian has a Medical collections recorded on my credit report for my step son. that was paid in full over 2 years ago that they will not remove. 

I understood medical collections was not to remain on credit report. They have refused to remove it, which others have.
Hard Inquiry This account shows on my Equifax. This account is not a legitimate inquiry. Nor do I have an account with them. I have contacted both the company and the Bureau. The creditor never responded and neither did Equifax. Equifax is not reporting accurate information and is stopping me from getting a Business loan. 


XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX ( XXXX ) XXXX
PNC began non-judicial foreclosure on a loan originated by XXXX Mortgage. XXXX XXXX XXXX, on behalf of PNC, is relying on a hearsay beneficiary declaration to claim it has the note. I questioned that based on official comments from the Florida XXXX XXXX stating notes are digitized and then destroyed. XXXX XXXX XXXX at XXXX claims he spoke with PNC 's counsel regarding my concerns but refuses to ID PNC 's attorney.
I closed the account on XX/XX/2018, but since that time till today, they haven't sent me any final bill to paid and keep charging me late fees and interested, even the account and closed. I did paid the amount in full.
" " '' I have disputed this collection on thisXXXX XXXX XXXX for months.XXXX and TXXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
TRANSUNION is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX XXXX prospectus, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from TRANSUNION in accordance with g.a.a.p, I.f.r.s. in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the following vendors/creditors : XXXX XXXX XXXX-account : XXXX, XXXX XXXX account : XXXX, XXXX XXXX, and XXXX XXXX XXXX and they have failed to do so.
I have applied and issued a credit card two months ago with XXXX XXXX and until now my credit score runs as " no score available ''. My old address is even still being used by Transunion and XXXX when running my credit scores. Not having a credit score is making my life a nightmare here. When calling them, each of Transunion and XXXX would tell me that the update reporting has to be done by my bank facility which I then call and am being told they had already done the reporting. I am lost in the middle.
We wish to file a formal complaint against Wells Fargo Bank / Mortgage ( WFB ) for misleading statements made on our recent purchase of an investment property. The statement in question is the requirement to carry Private Mortgage Insurance ( PMI ) when our equity exceeded 80 % Loan-to-Value. 

XX/XX/2018 Confirmation that PMI would drop off when 80 % LTV is met XX/XX/2018 Closed on the property with 15 % down with intention to pay off 20 % asap XX/XX/2018 XX/XX/2018 Paid additional principal to eliminate PMI XX/XX/2018 Called WFB to confirm amount to eliminate PMI and was informed that it was now 30 %. and not 20 % anymore and that we should have put down 20 % a closing. As you can see from our correspondence we were very specific to this requirement and were assured multiple times that PMI would drop when we reached 20 % LTV. 

Sometime in XXXX, WFB gave us an option to get our property appraised at a {$200.00} fee that could potentially help eliminate PMI. We paid {$200.00} for inspector to come out and now the price dropped down to 82.7 % LTV - $ XXXX investment and appraisal is lower than with any improvements? 
. 
We have spent {$40000.00} updating property to ensure it was in the best shape possible to be able to attract renters. After that investment we are not in a financial position to pay 30 % but would have been able to had we been told this before we closed. We kept being told that LTV was 20 % despite our multiple requests.
I applied for a Citgold checking account with a bonus of airline miles for meeting certain spending and bill payment requirements. After meeting the requirements, I spoke with a chat representative who confirmed that the bonus offer was attached to my account and that I had met the requirements. When I checked back later to see when the miles would be credited, I was told that the offer was not intended for me and that I would not be getting the bonus. I was never informed that I was not eligible for the offer when I was allowed to apply. In fact, XXXX different reps from Citi confirmed the offer was attached to my account. I feel this was a fraudulent way for Citi to gain new business. If, in fact, I was not eligible, their system should have never allowed me to open the account with the offer attached ; their reps should have never given me misleading information confirming that it was in fact attached. They made money off of my charges to meet the bonus requirements and then pulled the offer.
Back in XX/XX/XXXX I consolidated my student loans ( Stafford ) with Nelnet so that I could begin payments towards the 10 year/120 payment loan forgiveness option that exists for public servants. When consolidating, I asked Nelnet if these loans were in the correct category for the 10 year loan forgiveness and was informed that they are/were. I have made regular payments since this time based on this. When I returned from service with the military in XX/XX/XXXX I contacted Nelnet to inquire into how many more payments would be needed. I was informed that around {$100000.00} were not in the correct type of repayment method. I would like for the CFPB to look into these practices to determine if either it was a mistake by Nelnet or if it is a fraudulent practice. If it is a mistake, I would like to get my loan payments back on track so that the loan forgiveness can take place in 2-3 years.
I took out a HELOC from BB & T Bank on XX/XX/XXXX and was paid off on XX/XX/XXXX. My settlement attorney returned the original recorded Deed of Trust. Maryland Land Record still shows this loan is outstanding. MD Land records office asked me to contact BB & T and get a Certificate of Satisfaction so that their lien can be removed. 

Went to BB & T Bank 's XXXX XXXX  Branch in  XXXX, MD twice to obtain a Certificate of Satisfaction, first time they issued a Letter indicating that loan has been paid off. Took it to MD Land Records office, they did not accept it as this was not a Certificate of Satisfation. Went again to the branch, spent over an hour with little success. They failed to give the Certificate of Satisfaction. 

Need your help in getting appropriate paperwork to file with the State. Thank you.
I have contacted Navient about consolidating my loans early because they were showing not in deferment before I start payments in XXXX 2017. I asked about what possible payment arrangements can be arranged and I was refused information about my loans. Then they have multiple inquiries for the same day for the XXXX different amounts which is really hurting my credit score with the credit bureaus. I have requested documentation to show mortgage lenders to purchase my first home but never obtained it from Navient. They are insufficient when it comes to providing the lenders with the appropriate documentation that is requested.
I transferred $ XXXX from my XXXX XXXX checking account to my Capital One 360 Savings Account. The deposit was XX/XX/2016. They will not release my money until XX/XX/2016 
I needed to use this money for purchases. This is in direct conflict to their statement on-line-quote " Deposits pulled from your external linked checking account are typically available on the second business day, but in some cases XXXX be held longer ( up to XXXX business days XXXX. Deposits on hold are unavailable for withdrawal during that time. 

This should have made my money available on Monday XX/XX/2016
Walmart MasterCard account was fraudulently opened and used paid for used again paid for payments returned and used again
American Express They committed wire fraud, which is a felony. I don't expect anything ever to come of it because nothing ever does and the consumer keeps getting XXXX over. 

In short. I had a small business credit card dating back to the beginning of the ongoing crisis. They promised me if I paid off the card, I would get a new card and all my considerable reward points. 

The problem became clear when I discovered XXXX XXXX is actually outsourced to XXXX XXXX firms who lie and cheat and do whatever they can. Including sending letters under false letterheads. 

In any event, I paid it off, and XXXX is denying everything. They are XXXX XXXX XXXX XXXX. 

Here is the sad part. I know nothing is going to come of it. They act with impunity and the fact that we bailed out these miserable XXXX only further emboldens them.
When applying for a loan in XXXX of this year, I learned that TransUnion ( but not XXXX or XXXX ) had another person 's name, addresses, phone numbers, employment, and accounts listed under my file number with them and my social security number, as well as most of my own information. I wrote to them, but was unsuccessful in getting them to correct all of the incorrect information in my file until after XXXX more attempts through the XXXX. They have finally removed all of the incorrect accounts, but now list XXXX of my legitimate accounts as having been disputed, which it was not. I have spoken with that credit card company and assured them I had no dispute regarding my account with them and explained the nature of the dispute that I did file. I also had to deal with XXXX of my accounts being closed because it had an account number change and was erroneously included with the other person 's accounts with that company. 

This was not the first time that TransUnion had mixed my account up with this same person. It had previously occurred in 2006. I am extremely disturbed that because of the nature of this business I have no option of not doing business with them and they will be allowed to continue reporting my credit. I have no confidence that they are capable of correctly reporting the information they handle after the experiences I have had with them
I have XXXX credit cards counts that should show paid to XXXX one of them is closed the other is still open.
Bought a TV through PayPal Credit/Bill Me Later back in XX/XX/XXXX. With my current balanced added with the TV, my minimum payments were around XXXX a month. In XX/XX/XXXX the TV was refunded back to PayPal credit for its full amount and when it was my new minimum payment raised to XXXX a month. When I called PayPal credit for clarification they told me that because that promotional offer was done that my new minimum payment was XXXX. I told them it didn't make sense because I made on time payments every month and gave them a refund for the TV full amount. They stated after that the promotional offer no longer being there is the reason for the new minimum I told them I wasn't able to pay that minimum and the logic of my new minimum made no sense they said their was nothing they could do and that was the last time I spoke to PayPal credit
XXXX XXXX XXXX has refused to correct the incorrect data they put in my Credit Reports due to their sloppy record keeping. 
My loans have been paid off since XX/XX/2007, yet they are reporting my account as late. 
I have tried to get this issue resolved with NELNET for months now, and so far, they have been useless in resolving and or fixing their own mess. 
I am reaching out to you for your help.
Citi bank keeps telling me I have a balance on an old Best Buy card that i have not had in my possession in years. I keep telling them I will not pay for something until I see what the charges are and they refuse to acknowledge. I have gotten emails saying I have a balance but can not log into the account because I do not have the card. My current Best Buy account has always been current and they acknowledge that but still no one is helping me verify what they are trying to collect. They call the house over and over and I tying talking to them and got cut off after talking to someone who transferred me to fraud so the harassment still conintues.
Countrywide sold my loan. They changed it to a fixed loan since I told them I was promised at closing plus I could n't afford ARM. XXXX Bank of America but they kept me on ARM. XXXX shows that after XX/XX/XXXX sale to BOA they were to reach out to customers to issues checks and be required to offer a loan modification. I was never notified. I had to file for bankruptcy and once it was closed last month, they sold my loan. This SHOULD HAVE BEEN MODIFIED per agreement with attorney generals complaints. XXXX XXXX XXXX MN XXXX
With XXXX, I have submitted the court documents of the identity theft I have been dealing with regarding a XXXX Credit Card, XXXX XXXX, XXXX XXXX and a debt collector account. After the documents were submitted they stated that the debt is mine and refuse to remove it from my credit report. XXXX  has removed the accounts, and it has now gotten to the point where I can not get student aid due to the credit reports. I 'have called XXXX  multiple times with no avail and filed multiple reports with the same answer over and over. I am just hoping someone can help because I have gone through the police and the courts, but what will satisfy this company to fix my report?
I have been receiving a LOT of calls from this company PORTFOLIO RECOV Its an ongoing issue with this company they call me after XXXX XXXX XXXX  XXXX ... I have listed the numbers involved XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX  XXXX XXXX XXXX called XXXX XXXX   XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXXXXXX  XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX XXXX XXXX called after XXXXXXXX XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX  XXXX called XXXX XXXXXXXX  XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX   XXXX called XXXX XXXXXXXX XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX XXXX called XXXX XXXXXXXX XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX XXXX Called after XXXXXXXX XX/XX/XXXX PORTFOLIO REVOV XXXX XXXX XXXX called after XXXX XXXX
Commonwealth Financial keeps calling me on my cell phone over and over. Each time I speak to a rep there, they claim that they do not have the number they are calling in my system, yet I use my cell phone to tap the incoming number when I 'm calling them back. I have asked them numerous times to remove my number since I have no business with them and they have no business with me. Please help me make them stop calling my phone.
I applied to Wells Fargo Home Mortgage to assume the mortgage from my Dad 's condominium after he signed the title over to me. Wells Fargo 's made their conditions to close the Assumption impossible for the Title Company that I selected as my Settlement Agent to close the transaction. After my selected Title Company ( XXXX XXXX ) could not legally fulfill WF demands, WF also refused to allow a Real Estate Broker I selected to act as my Settlement Agent, even though Michigan law allows a R.E. agents or brokers to close Assumptions. I contacted other Title companies and a Real Estate Attorney to act as my Settlement Agent, and they all indicated they could not legally close the Assumption under Well Fargo 's conditions : to provide a Sellers Closing Disclosure prior to WF providing a Closing Disclosure. As a result Wells Fargo steered me to, in which I was FORCED to use a Wells Fargo 's Settlement Agent ( XXXX XXXX ) for the closing of the Assumption. Because my Dad is in the process of purchasing another home which requires his relief from this loan, I have been pressured to use Wells Fargo 's closing agent. Wells Fargo is also including a vague Servicing Fee Agreement for me to sign at closing, which has no list of of fees assessed in connection with the servicing of this Michigan mortgage.
On XX/XX/XXXX I contacted XXXX about a letter I received as I have had a very difficult time repaying back my student loans. When I called my first option was that for 9 months I could pay around XXXX and then my payment jumps back up to {$570.00}. I then wanted to see about a pay off amount. I was quoted at about {$30000.00} due by XX/XX/XXXX. I would be given a 25 % discount on loans that were taken out illegally and also for loans that the interest is 5 times the principal. Principal should be around {$6000.00} each I have 2 loans or {$12000.00} total. In XX/XX/XXXX when I was repaying them I was promised I could use a credit card and pay any amount I wanted. I was going to pay off the loans then and be done but the lady that handled my case said that the csr never said that and I could only make the minimum with a credit card which was complete XXXX. What 's worse is XXXX is not very willing to work with me. I tried twice to get these loans discharged but XXXX was the one reviewing the discharge and denied it based on I had been unenrolled in school longer than 120 days and failing to ignore the special circumstances provision. Since XXXX XXXX was shut down due to illegal practices such as telling me these were federal and not Private loans and other things from other people.
On a regular basis when I log into my online banking account, I get a screen asking me to verify personal information. It says it is missing critical information and that I should update this question : " Do you have dual citizenship? '' and further, it states the field is required. I first received this screen in fall 2017 ( I have been a customer for about 20 years ) and although I answered the question, I continue to receive this screen whenever I log in. I now resort to bypassing it. 

I would like to know : ( 1 ) Is this question being asked of all BofA customers? 
( 2 ) What law or regulation allows a bank to inquire about dual citizenship and maintain this information? Do I need to be a citizen to access financial services? If not, is n't this an invasion of privacy? 
( 3 ) How is this data maintained and is it shared? 

Lastly, why does the bank continue to ask this of me despite my already having provided this information willingly.
I HAVE 5 MEDICAL COLLECTIONS FROM XXXX XXXX XXXX ACCOUNT NUMBERS ARE XXXX XXXX XXXX XXXX XXXX IM DISPUTING THESE ITEMS BECUASE THEY SHOULD NOT BE ON MY CREDIT REPORT, THESE ARE MEDICAL BILLS AND PER HIPPA LAW THIS COMPANY IS IN VIOLATION OF THE HIPPA ACT. A DOCTOR OR HOSPTIAL IS NOT SUPPOSE TO SHARE MY MEDICAL RECORD WITH ANYONE WITHOUT MY CONSENT. PLEASE DELETE FROM CREDIT REPORT BEFORE I SUE.
My husband and I were denied a mortgage because of credit history problems. This was a shock to us. We found out that a debt collection agency kept abusing my credit history each month without my knowledge. It turned out that when we moved XXXX miles away- there was a medical Bill that was unpaid. I have always been on top of my things ( paying bills, changing addresses etc ). USPS had a forwarding address on file. Somehow the debt collection agency claims that they received returned mail. 

My understanding is that they did not bother to do anything at all to try and contact me. They have no proof that they could provide. In todays world it is not hard to track someone down who live openly online. Why did I not get bills forwarded from the doctors office, or from the collection agency or even phone calls or anything at all for 6 months? 

I had to contact the collection firm to pay the bill! I feel cheated and I know that nobody can help me.
Experian, XXXX and XXXX have Collection accounts and inquiries that are fraudulent and do not belong to me. THERE WAS NO PERMISSIBLE PURPOSE AS PER THE FCRA LAW, I DID NOT APPLY FOR LOANS OR CREDIT. As well, they have several variations of my name, inaccurate addresses that do not belong to me, attached to some of these fraudulent inquiries and collection accounts which is causing financial damage because the information is inaccurate yet its causing me to lose job opportunities, etc. I have not contracts with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX or the alleged, original creditors. 

THE ONLY NAME, ADDRESS AND NUMBER THAT SHOULD BE ON MY REPORTS ARE : Update my name and address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX
Please refer to previous closed complaint # XXXX ( Kindly re-open it ) Company closed the complaint without reading the DISPUTE PART. ( I did no shopping with any of XXXX 's card - I had no idea card existed on my name ). 

XXXX did not issue me credit card on XX/XX/2016 or later .. (  When i applied in store I was told by XXXX XXXX associate because of computer issue they couldn't tell me weather my credit card application was approved or not ) I DENY using any XXXX  's credit card to buy anything..So this {$110.00} ( they asking me to pay me FRAUD!! ) My suspicion is XXXX 's own employees misuse customer 's cards and they did in my case. XXXX should investigate this incident. 

I am collecting data from other XXXX customer 's who had gone through similar FRAUD in that store.
After an initial complaint regarding an unauthorized transaction on my son 's family XXXX card that created a negative balance which was rolled into my account, AmEx issued a " provisional credit '' pending the outcome of their investigation. Their letter dated XXXX/XXXX/2016 stated if their investigation found in favor of the vendor, the credit would be reversed - which it was on XXXX/XXXX/2016 - leaving a new negative balance, I believe AmEx only issued the credit to stop the CFPB and XXXX response clocks. Since there was noresolution, this is a new clock and now includes the FBI XXXX XXXX XXXX. 

AmEx wants me to make a deposit to remedy the negative balance ; but the vendor ( XXXX XXXX ) that AmEx claims they found in favor of has no record of the transaction. How is it possible I can be held liable for a transaction I did not initiate and the vendor has no record of receiving? A subsequent conversation with the vendor, their card processor ( XXXX ) and AmEx resulted in the same run-around tactics I 've dealt with since my original call to AmEx. I do n't owe them money, but they have debited {$980.00} from my account ( {$490.00} X XXXX ) Please help me get to the bottom of this.