WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX XXXX, I submitted a letter to XXXX to have a bankruptcy removed from my credit report. In that letter to them I request an investigation into the matter and provide me with any and all documents bearing my signature for said public records on my credit report. I informed them if they were not able to do so the file under the public records of my credit report must be deleted immediately in accordance with the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ). Equifax sent an email on XXXX XXXX XXXX in response to my dispute of the said information above. Stating the information in my public records was verified through XXXX and not the State or Federal Court from which they have stated under the public records. This is in violation of Federal Credit Reporting Act, Section 623 ( a ) ( 5 ). I am requesting your assistance in getting this resolved and have my credit report accurately reflect my credit records.
I have complained persistently about the unscrupulous actions of my mortgage servicer. I applied in XXXX 2014 for a home modification mortgage due to my factual circumstances that are also permanent. I am a XXXX woman who receives Social security XXXX as her unearned income source. This income is not taxed as I provided proof to the loan servicer. I have supplemental income from XXXX and Food staps that are also unearned income sources. The total of all is a gross income of $ XXXX.per month. Bank of America refuses to abide by FHA federal guidelines for any modification and is stating I have only options to leave my hoe. Have it foreclosed upon and suffer bankruptcy. I have paid monthly payments according to FHA guidelines whereas the escrow is paid first then the principle or interest is secondary. My timely monthly payments have been ignored bu the Servicer and they failed to report y monthly payents to FHA and to the dredit agencies and my credit as a result has suffered negative reports. FHA has been wrongly notified that my payments are in arrears 13 months. this is false and BOA is now attempting to foreclose and denying me fair treatment to have any modification based on my TRUE gross income of unearned income. BOA unfairly grosses my income up 25 % and then offers a unrealistic trial offer of payments to modify y mortgage based on untrue income. My XXXX can only be used for food. My XXXX is permanent. My unearned income is not being calculated fairly and my rights as a XXXX person, single person and a woman are being violated and I know they are discriminating. XXXX XXXX IL filed a discrimination suit against BOA for unfair mortgage tactics to borrowers. Please look into this. I want resolution and my XXXX Rights as a homeowner who can not move with out funds, justice or credit. I deserve to be able to live in my property without threats of foreclosure when BOA fails to report the truth. I have taken Financial counseling with XXXX, as they also are aware of my affidavit sworn of my true circumstances, XXXX and all my expenses that are valid cost of living. I am being penalized by BOA for being XXXX and alive.
I recieved a notice for a collection of debt from the XXXX XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX, I called them directly disputing the charges in the amount of {$1900.00} and requested to receive an itemized list of the charges to compare to my inspection that I received from XXXX XXXX XXXX XXXX. At the time I was on housing and its required in order to leave a property the complex has to sign off on a intent to move notice, which I received on XX/XX/XXXX and told them i was planning to move by XX/XX/XXXX because of the 30 day notice rule there, and the housing authority has to complete a full inspection of the unit to ensure the property was not damaged from the tenant on XX/XX/XXXX, which in this case is myself. I was told by XXXX on XX/XX/XXXX who answered my call to the law office that she was going to mail out my documents requested and that I should receive them in 7-10 bs days at the most. On XX/XX/XXXX I only received a copy of my old lease from XXXX XXXX XXXX verifying that I paid a {$300.00} deposit, that's it! NOTHING VALIDATING THE CHARGES AGAINST ME as proof. Till this day I never received the charges I asked for, so I contacted the bureaus to initiate the dispute process because the debt was reported 6 times, 2 times with each reporting agency. I received notification from XXXX  of the removal and with XXXX  they removed the debt from {$1900.00} to {$1700.00} and at that point Equifax and XXXX requested my inspection proof and all supporting documents which I provided XX/XX/XXXX. I never once received written notification from these 2 agencies of a reinsertion even though they discovered initial inaccuracies to update the debt to {$1700.00} in XXXX. I am currently in the process of paying off alot of stuff so my credit monitor company questioned me about the change because no notification otherwise had ever been received. This is clearly fraud reporting one debt amount twice on each trade line, then to report the wrong amount without a response from the debt collector from XX/XX/XXXX, then to decrease the debt voluntarily, then to just not send me reinsertion notifications at all? How is this legal, I dont feel this is right to me to wait 6 months where I am only obligated by law to wait for the proof within a 30 day time period with written notice that of course I never recieved. Now when I call XXXX they auto decline my calls so I have to call using a random social that I just type in and have also blocked me from using any online method of use through their website.
My XXXX XXXX Credit Card was paid off XXXX 2014 in full and the history always paid as agreed and never late. Equifax is showing negative remarks on my credit report.
On XX/XX/XXXX ( 17 days ago ) I wired {$6300.00} from my personal bank account and it still has not been depositted into my USD wallet. I opened a support ticket ( # XXXX ) two days after sending the funds ( on XX/XX/XXXX ) but I have yet to receive any useful information about my transfer. I have left numerous requests for update on the ticket and with no response. 

I have called the support number twice and spoken to two different reps after 20+ minute wait times. Both reps told me that they can not access this information but they will escalate the ticket to a specialist and I would be contacted back. Coincidentally, both calls ended with them hanging up on me followed by a response to my ticket stating " Sorry, we got disconnected ''. After the last call on XX/XX/XXXX, my ticket was marked as closed even though they did n't give me my money. I immediately reopened the ticket asking why it was marked as closed but I have n't received a response in 3 days now. 

Also, on XX/XX/XXXX I went back to my bank to make sure they did n't mess this up on their end. They ensured me that the money was successfully deposited into Coinbase 's bank account. They gave me the confirmation number which I included in my ticket. 

Attached to this complaint is proof of my wire transfer provided by my bank and the full transcript of my communication with Coinbase support via my open ticket.
i have applied to chase credit card " slate '' balance transfer. with {$0.00} intro fee on transfers made within 60 days of account opening. 
after i have received the card i requested to transfer funds to my checking account. but they agree to make a transfer only after 90 days from opening the account which i will have to pay % 5 fee. and the 0 % will only apply to funds transfer to other credit cards only. 
none of that is mentioned anywhere in there term and conditions, not on there website and not on there promotion letters and not on the written terms and condition attatched to the physical credit card. so i asked the representative his name is XXXX to show me where it says or limit the balance transfer to only credit cards or i have to wait 90 days from opening the account. but he could n't find it either so i spoke to a supervisor and her name is XXXX from XXXX Ohio and she failed to show me and even approved that it does n't show anywhere on there website neither on there letters. and that is miss leading the customers as they suppose to have these terms written and mentioned on there terms and conditions like they mention all other terms. and make sure they mention it to the customers before they open the accounts. not after running their credit and after opening the account. and that is miss leading the customer.
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - 30 DAYS LATE ; XX/XX/XXXX - 30 DAYS LATE ; I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
i made a large payment and had ask to be place on the higher interest loan and they said no problem.Then i received the statement and they place the amount on both loans, I called and tried to have them fix the problem and was told they cant do that and i had no recoarse so i ended up paying more interest to sallie mae wjich was unfair
I went into my bank Welsfargo in forest grove on XXXX/XXXX/XXXX to make my auto loan current. My monthly payment is {$330.00} so they took out {$660.00} a payment for XXXX XXXX and a payment for XXXX XXXX. I told XXXX the branch manager to please not take out the payment for XXXX XXXX i will make that payment when my girlfriend gets paid on the XXXX of XXXX. I go into the forest grove welsfargo today XXXX/XXXX/XXXX @ XXXX XXXX to pull out {$550.00} to pay my rent and was told i have no money in my account, i got a print out statment and it 's showing that {$480.00} is pending for my auto loan my payment is only {$330.00} so why are they taking {$150.00} more then they should? It sure should n't be fir any fee 's because im sorry they should of taken care of that when i went in on the 3rd. I am so sick if this and welsfargo on how they XXXX the XXXX out if you for no reason. Trust me im far from done with this matter. I have let everyone i know that welsfargo will rip you off if you let them get away with it and to never bank with them.
Between XX/XX/XXXX and XX/XX/XXXX, my roommate used my XXXX XXXX XXXX   to make a series of unauthorized transactions, totaling a very substantial amount. As soon as I discovered the fraud, I immediately called XXXX Guest Services to have the card shut down, and a new card sent to me.

At the time of my initial fraud claims, I submitted the following documents : two Fraud Questionnaires, a summary/confirmation noting which transactions were fraudulent and which ones were genuinely mine, and a police report. I even provided the name and phone number of the person who committed the crime. This information was used to credit only some of the fraudulent transactions, but a majority of them reposted to my account in XX/XX/XXXX. Seeing XXXX error, I called the Fraud Department directly in XX/XX/XXXX directly and spoke to the rep who was managing my case. She told me that she did not receive the documents in time, but if I resent everything again, she would complete a reinvestigation. I faxed them to Guest Services, and was sure to include my account number and the reps name on the cover sheet. I have a confirmation fax that the documents were successfully transmitted.

30 days went by ( again ), and the charges still were not credited. So, I sent the packet of information in the mail in XX/XX/XXXX in a final attempt to have the transactions permanently credited. I made note in the letter that if this matter was not resolved in 30 days, I would be notifying the CFPB disputing the balance with the credit bureaus, and closing my account for good.

It is now XX/XX/XXXX and interest has been accruing on this fraudulent balance for six months now. The transactions still have not been credited event though I have sent the same packet of information four times over now. This is unacceptable.
I am filing this complaint on Experian because they have continuously refused to correct my credit report. By reporting charge-off and closed accounts as opened accounts. Reporting accounts that have been sold and closed as still opened and 120 days late. Also, Experian deliberately change my high balance on my credit cards to make it seem higher than my credit limit, which made my utilization extremely high on my credit cards ; even though I never disputed those accounts. All of these inaccuracies have caused my credit score dropped 103 points in ( 1 ) month.
I have this happen every six months and it needs to stop this is violating my RIGHTS. I do not know what else to do. Transunion, your company has someone else social, addresses, accounts and name listed on my personal credit file. This HAS TO STOP! It is not fair to me. 
REMOVE THE FOLLOWING WHICH IS NOT ME Name NOT MINE XXXX XXXX XXXX SOCIAL NOT MINE XXXX MANY ADDRESSES TO MUCH TO LIST AND ACCOUNTS XXXX # XXXX, XXXX XXXX AC # XXXXXXXX # XXXX XXXX # XXXX. I CONTACT YOUR COMPANY IN XXXX AND IT WAS FIXED A COUPLE MONTHS LATER YOUR COMPANY PLACED ALL THE STUFF BACK ON. AGAIN NOT FAIR TO ME
I attempted to pay off a mortgage loan with Chase. The loan number is XXXX. I sent XXXX personal checks to Chase to pay off the loan. XXXX was for {$13.00} and the other for {$41000.00}. Chase should have received these checks on XXXX XXXX, 2016. On XXXX XXXX I called my bank to determine if the Chase checks had cleared and found out the smaller of the XXXX checks had been paid by my bank. I called Chase to determine why the larger check had not been presented for payment and was informed since this was a pay off they needed a cashier 's check. I then went to a Chase branch here in XXXX to see if they could assist me in getting Chase to present the check to my bank and the Chase brance was told a cashier 's check was needed. When I first talked with Chase I was also ; told Chase would mail back tome the larger check and the Chase employee at the XXXX branch was told the same. I then went to my bank and obtained a cashier 's check and took it back to the Chase branch in ; XXXX and received a receipt. On XXXX XXXX I called my bank to check on the balance in my account and found our Chase on XXXX XXXX had indeed presented my large check for payment which was returned to Chase for NSF as the monies for the payment had been withdrawn when I obtained the cashier 's check. I then called Chase to determine why they had presented my check for payment when they said they would mail it back to me and it was supposedly against their policy to accept a personal check for a pay off. No one at Chase had any explanation of why this happened. 

Then adding insult to injury Chase again presented my personal check to my bank on XXXX XXXX which was paid by my bank but created a negative balance in my account. ; After I wen t to my bank that check was returned to Chase NSF. On XXXX XXXX I received a letter from Chase dated XXXX XXXX informing me that my loan was paid off which it was on XXXX XXXX. 
I have spent more than 5 hours attempting to get this matter resolved with Chase including in 3 trips to their XXXX XXXX and 3 trips to my bank to clear up the NSF issues created by Chase It would appear to me that if Chase does in fact have a policy regarding only the acceptance of a cashier 's check they should follow it. Also I should have been able to rely on the representation by Chase employees that they were going to mail back to me my check and not present it to my bank for payment Further why Chase would present a check for a payoff on XXXX XXXX when their records showed on XXXX XXXX the loan was paid in full can not for any reason be justified.
Generation MortgageXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX : loan # XXXX XXXX XXXX & XXXX : XXXX obtained a jumbo reverse mortgage loan from you on XX/XX/XXXX. There was an underwriting condition for " a set aside of {$26000.00} for one years ' worth of property taxes and insurance plus 10 % '' ( see attached underwriting conditions ). 

My first installment of property taxes was paid, but my second XXXX was not. As a result of this XXXX XXXX installment not being paid on time I incurred a {$940.00} late penalty. I always pay all my bills on time and never would have allowed this to occur had I not understood that you were going to pay these taxes for the first year. 

The loan is now sold to XXXX as of XX/XX/XXXX, but you owned this loan when the XXXX XXXX became due in XXXX and also owned it when the taxes became delinquent on XX/XX/XXXX. I was never contacted or notified that you did not pay them, and since you had withheld the funds to pay them and had paid the first XXXX, I fairly assumed that you would use the withheld funds for the purpose that they were withheld and intended for and pay the XXXX XXXX of taxes as well ( or at the very least notify me that you could not for whatever reason ). Because your error of not paying them within the grace period cost me {$940.00} I need to be reimbursed by you for this amount. 

Please forward me a check in the amount of {$940.00} to reimburse me for your error in causing this burdensome fee. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXXXXXXXXXX. I have previously sent this same letter to you in XX/XX/XXXX. I have never received a response from your company. I have also contacted the company you sold this loan to, XXXX and they state that they did not acquire the loan until the tax payment was already late ( which is true ) so the responsibility for this error lies with your company and I insist that you correct it by sending me a check for the amount of the late fee I incurred by your company 's lack of follow through and financial disregard for my account.
On XXXX XXXX, 2015 Midland Funding LLC sued me in XXXX XXXX XXXX for an amount they alleged I owed on a XXXX credit card. On the afternoon of XXXX XXXX Midland 's attorney contacted my attorney and requested the continuance of a hearing that both parties agreed to. Despite their agreement to the continuance, on XXXX XXXX, 2015 Midland took a default judgment against me anyway in the XXXX 's court. On XXXX XXXX, 2015, through my attorney I entered into a signed Settlement Agreement with Midland to pay an amount we agreed upon for full and final settlement of their claim against me. On XXXX XXXX, 2015, following all instructions in the settlement agreement, I mailed the full payment agreed to, in the form of a money order, to Midland Funding via certified mail. The return receipt shows they received this payment on XXXX XXXX, 2015. Despite the fact that I paid the full amount Midland agreed to and despite the fact that they received this payment, with no other notice to me Midland took the default judgment against me and on XXXX XXXX, 2015 they recorded it in the XXXX XXXX court of my county. As of this writing ( XXXX XXXX, 2015 ) to the best of my knowledge and belief this account is still listed as unpaid and as being in collections on my credit reports. By recording a judgment in the XXXX Court after they were paid in full as agreed, and by continuing to attempt to collect an alleged debt after I had paid it in full per the signed agreement with them, I believe that Midland Funding LLC has violated the Fair Debt Collection Practices Act. Their unjust actions have caused further damage to my credit record, and they have caused embarrassment, damage to my reputation, and many other problems.
Transunion is continuing to show inaccurate payment status information for the mortgage account under the name XXXX. Though it has been provided with the facts, it has refused to apply them to this account. Instead, going to the offender and accepting the erroneous information that 's given to it as truth. The responsibility to make sure information is accurate is Transunion 's and it continues to fail at this responsibility. This could result in a judgment against it, in a court of law. And, the fact that XXXX may have continued to feed inaccurate information will not immune Transunion from neglecting the facts! Thus, I am disputing once again the erroneous " late payment '' information under the XXXX account, and am submitting additional proof that XXXX is deliberately providing false information to Transunion, so that it can take the appropriate action to correct these errors.
This complaint is against Experian credit reporting agency. 
This complaint is in reference to Experian Report number XXXX Experian Report date : XX/XX/XXXX Experian has posted a negative comment/item on my credit report since XXXX, concerning the merchant XXXX XXXX. 

The negative comment related to an unpaid account balance of approximately {$15.00} plus late fee. 

XXXX XXXX has investigated and concluded that it was their mistake. XXXX 's has issued a letter to me acknowledging their mistake and an apology. 

This information was forwarded to Experian in XXXX. After months of inaction and white wash from Experian, today the negative comment still remains in my credit report. 

Experian has consistently failed to properly investigate and ascertain the correctness of a negative report before they post it to a consumers credit report. Furthermore, after Experian was repeatedly told of the incorrectness of the posting and in the face of the merchant 's admission to such an error on their part, Experian has failed to take action. 

Experian, by their inaction to correct an obvious error, as shown by evidence and fact, has damaged my credit rating.
I have been in the process of a loan modification with Ocwen Loan Servicing for about 2 years. I keep submitting application packets with all the documents requested by mail, e-mail, and fax all this time. I send one packet and Ocwen states it already expired and need to do a new one again and that some documents have been missing. I asked myself if all the documents requested were mailed and e-mailed in the packet, how is that possible that you can find some documents and not others. Lately I have been calling like every other day to make sure they receive documents requested and they never receive it or they tell me you need XXXX documents so that we can close the modification and when I called back in 1-2 days they tell me that it was not those XXXX documents, that I need XXXX different new ones. We have a Dual Tracking Issue here. They keep extending the time, every time more and more so that they can have enough time and foreclose in my house. I already had a sale date back on XX/XX/XXXX which they cancel few days before. Now they have a sale date on XXXX/XXXX/16. Of course this is what they want, for me to loose the house because it is their best interest not mine. They have not helped me at all to get a modification. My intentions is to keep my house, which I purchase 16 years ago. Sometimes unexpected things happen in life, such as divorce, illness, caring of an ill person, death of a loved one, unemployment, like happened to me in the past 5 years and now a bank that is lying saying that I am not submitting the documents requested because they want to stay with my house to sell and benefit from it. They continue to give me a hard time and do not want to work with me on saving my house. Thanks anticipated for all the help you can give me.
No disclosure was provided of an already completed balance transfer where the policy now allows for new purchases to accrue interest from the date of transaction. The policy had previously been that the statement would arrive to confirm transactions with stipulated minimum payment and the new full balance of the CC. To which I would make my payment and be on my way. Not they accrue interest the date of a transaction withour disclosing their policy change. This gets to the point of abuse to consumers that are not able to manage cards and changing policies. These people make me sick and illustrate the importance of the CFPB.