WillisBack/dataset-financial-user-claim huggingface dataset:
Bank drafts setup for a new vehicle. We moved once and changed banks once during the 5-year loan. The ACH form was updated 3 times. Our address has been corrected on at least 5 separate occasions with this bank ( TD Auto Finance ), and we had more than one account. It was noted on several different occasions that our address wasn't updating for this account, but that it would be resolved. Our phone numbers remained the same for the 5 year period as did our email address. Bank drafts went through each month on time. We do not pay bills late. TD Auto Finance never had an issue with our payments, and never once made any attempt to contact me over phone, mail, or digitally. Then : In XX/XX/XXXX, more than 60 days after the title should have been mailed out : I received a collection call about this loan. TD Auto Finance states that there is small print somewhere stating that they don't draft the last payment ( originally {$570.00}, now {$600.00} ). I have now spoken to TD Auto 5 times since XX/XX/XXXX with 4 of the calls ending in " we're sorry. this was our fault. we will fix it and call you back on this specific day ''. Never once was my call returned. 4 days later, my perfect credit score dropped by 80 points. I am furious. I have recorded all communications and phone calls with TD Auto Finance ( I reside in NC ).
I am a victim of credit fraud and there has been unathorized inquiries on my consumer report, I disputed this information with the creditors and they informed me that they ca n't do anything about it and that I should contact the credit buruea to remove this inquiries. They are adversely affecting my report.
M y Wife a dded me to her Target Store card Issued  by TD Ba nk last month. The card came  in 3 weeks ago ho wever I recently pulled my report and I was told that It would show up on report as an Authorized user However it has not. I was wondering if that was going to happen before months e nd (   XXXX   XXXX . )
Dear Consumer Financial Protection Bureau : In Re : block access to credit reportThe reason for me filing this complaint with your agency is due to Equifax blocking me from any access to my credit report. When, I tried to filed a complaint through the Equifax web site using the confirmation number supply to me, my credit file is empty. It does not display nothing under the personal information, accounts, negative information and inquiries for me to dispute. Equifax has completely block me from having any access or pulling my file using XXXX are any other source. I can only check the status of my pending disputes ; not file a dispute. I greatly appreciate your assistance in investigating this matter. 

Thank you, XXXX XXXX
I sent a Debt Validation letter via postal mail that was dated XX/XX/2019 to Security Credit Services. It is now XX/XX/2019 and I have not received anything Validating the alleged debt that they have listed on my credit report. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation. This collection account is 100 % not mine. It is showing a debt from XXXX XXXX which is a place that I've never heard of. I have been a victim of Identity theft and this account should be removed immediately.
My complaint is solely with Bank of America ( BofA ) card services. I requested a credit increase on my BofA credit card. The BofA computer rejected it and gave written reasons supposedly derived from the XXXX credit report. However, I got my XXXX credit report which **proved the BofA written reasons were totally false. ** Further, when discussing the rejection reasons with XXXX, their representative confirmed the BofA reasons were false. 

BofA writes " Serious Delinquency. '' Yet, the XXXX report and the XXXX representative see NO DELINQUENCY OF ANY KIND ON ANY OPEN ACCOUNT, and similarly no late payments on any open account. 

BofA writes " Proportion of loan balances to loan amounts too high. '' Yet, the XXXX report nor the XXXX representative sees no such condition. I pay my cards off each month, and most of my charge cards have a {$0.00} balance or close to it. 

BofA writes " Too few accounts currently paid as agreed. '' Yet, the XXXX representative sees no such data. THERE IS NOT ONE SINGLE ACCOUNT THAT FITS THIS BofA 'REASON. ' I provided this information and complete supporting data **in writing** to BofA but they did not address any of these lies contained in their rejection letter. Their complacency in handling this valid complaint with supporting documentation suggests BofA is doing this intentionally.
Contacted Equifax via certified mail and via telephone about unauthorized inquiries on my consumer report was told that they would not be removed because companies can authorize reports as needed. The companies in question I have not approved nor do I have business with. It is illegal and needs to be fixed asap.
XXXX the trading platform for Virtual Currency owned by Coinbase is a scam. If you look at the candlestick graph for each individual coin you will see they follow the exact same path. This is because Coinbase is allowing " price fixing '' by a robot across all of their virtual currencies or running the " price fixing '' bot themselves. I have complained several times and it is quite obvious it is being done. In a fair and balanced market there is no way all the stocks will follow the same trading pattern on the same exchange. It 's a scam and needs to be addressed.
I want to share my disgust in how Wilshire consumer credit was harassing me at the very least 3 times daily. This was AFTER I told one of their agents that I was going to pay this debt off in 2 days. WCC called me from alternate numbers as well as blocked numbers. I instructed the agents to stop calling me to no avail. I have the call logs if needed. I noticed that you already have this company on your radar for these XXXX practices.
Bank of America provided me with a printout of fees assessed to my home loan mortgage account dated XXXX XXXX, XXXX. Included in this accounting are fees totaling {$360.00} for Property Inspections, {$27.00} in fees for photos, {$70.00} in fees for yard maintenance, {$400.00} in fees as Litigation Management charge, and {$420.00} in Trustee Attorney fees. 
The maximum charge that may be assessed by Bank of America for Trustee Attorney fee is {$420.00} not {$420.00}. Bank of America overcharged me by assessing my home loan mortgage account by {$2.00}. The overcharge is to be credited to my home loan mortgage account. Additionally, Bank of America has erroneously started the foreclosure process and caused the recording of a Notice of Default. Therefore, there is no justification for any Trustee Attorney fees and the fee is to be reversed. 
The yard maintenance fee should not have been assessed to my home loan mortgage account in XXXX XXXX as I was home and no one announced themselves at my front door to gain my permission to be on my property, let alone maintain my yard. Just to be clear, NO YARD MAINTENANCE WAS PERFORMED BY ANYONE OTHER THAN MYSELF IN THE MONTH OF XXXX XXXX. I know this because that is the month and year I did sustain property damaged at the cause of a neighbor and I will never forget the incident or events occurring around this time related to my property. The Yard Maintenance Service fee should not have been assessed and is to be reversed. 
If Bank of America caused photos to be taken of my property as represented within the fees assessed to and associated with my home loan mortgage account, Bank of America must justify the charge. Otherwise, the photo fees should not have been assessed and are to be reversed. Additionally, please provide copies of all photos for which fees have been assessed my home loan mortgage account regardless of any reversal of the fees assessed. 
It is unclear what services are related to the {$400.00} charge described as Litigation Management Fee. Bank of America must justify the fee or reverse the charges. 
Bank of America has been assessing Property Inspection Fees to my home loan mortgage account since XXXX without justification or cause. The only reason Property Inspections fees are assessed to a home loan mortgage account is due to a necessary evaluation of the property. Bank of America has proclaimed I am not pending in the modification or loss mitigation processes and that Bank of America is not dual tracking by having removed me from the modification process in error and stating the foreclosure process, which would be the only other justifiable reason for any property inspections. Bank of America must justify the Property Inspections and the Property Inspection Fees or reverse the charges assessed to my home loan mortgage account.
I just received a letter from Linebarger, Googan, Blair and Sampson LLC. I have tried numerous to do payment arrangements with the State of Illinois, I just went back to work in XX/XX/XXXX after being out of work for 5 months, then I tried to get through to the law firm but I am waiting on hold for several minutes, then automated system asked me to out to put in the reference number but I never get to speak to anyone. I should not be charged any collection fees, the State of Illinois also informed me in writing they would take my taxes which I am okay with but State of Illinois should be more willing to work with people. I was out of work and unemployment did not cover all of my bills.
Dear Consumer Relations, The reason for me filing this complaint is due to Equifax blocking me from getting access to my credit report through XXXX XXXX. The status listed under XXXX XXXX shows Equifax block forwarding updated copies of my report since XX/XX/2017. 

Furthermore, I have contacted Equifax several times to tried to resolve this issue to no avail. When I spoke to a representative about removing the credit freeze from my credit report, " she stated I don't care if you want to remove the freeze from your credit report '' because Equifax decided to keep your report block. I told her this is a violation of the FCRA and that I should be able to have access to my credit file. I am requesting your assistance in helping to resolved this matter.
I would like to report a lender ; CASHCALL INC. I took this loan in XX/XX/XXXX and they approved me for {$5000.00} when I originally only asked for {$2500.00}. They told me I could refund the rest of the money once I was approved. Then they made it extremely difficult for me to simply return the rest of the money ( I spoke with multiple representatives telling me different specifications ) that I ended up keeping it. Since then, I continued paying but I never saw the balance going down until I lost my job in XX/XX/XXXX and they are not willing to work with me in lowering the payment. They keep harassing me with the phone calls and offered to settle the debt for very high amount. I never noticed the interest rate was high or the terms of the contract. According to a recent letter, they send me, I still have XXXX payments left to meet the terms of their contract in the amount of {$370.00} each, which totals {$33000.00}. Finally, they charged off this account in XX/XX/XXXX and this is damaging my credit. They are now demanding to settle this account for a steep lump sum of money, which I do n't have.
I'm enrolled in the PSLF program, mi servicer is XXXX XXXX. I have a rental property which I always declare in my taxes. Last year I have to fix the fence and the roof. Both expenses can not decrease the income but have to be added as a property improvement and then use the amount for depreciation purposes. The amount was $ XXXX ( the tax return shows this amount ) which I can not deduct as a business expense, making the income higher that it should be for that year, On top of that, I didn't have the money to pay for it so my wife took money out of her retirement account to cover for the expense, also creating a higher income for that year if we use the adjusted gross income from the tax returns. 
I called several times and talked to a loan counselor and they told me they are not tax experts and can not adjust the gross income from my tax returns. They asked me to send pay stubs instead of the tax returns however, if I send pay stubs it will not show my rental income which is usually a loss. 
I really need some help here making my service provider adjusting my tax adjusted gross income adequately.
There are two accounts from XXXX XXXX on my Equifax report which are business accounts under a tax id and should be on my business credit profile only. While XXXX and XXXX XXXX, still Equifax reports it to my personal profile causing me damage.
All three credit bureaus are reporting few information on my credit report that are either over 7 years old or  incorrect. 

I have written to all three credit bureaus about this and demanded that they provided me with the evidence and supporting documents that they, during their investigation must have asked the credit reporting company. But they ( experian, XXXX, XXXX ) have informed me that they have completed their investigation without sending me any documents from the original creditor. But the issues were not corrected. They failed to send me the documents, I have asked to show me that the accounts are reported correctly as they claim. 
For example, XXXX is reporting two accounts ( {$830.00} and {$2400.00} something ). These accounts are reported incorrectly. I have asked them to show me the documents with proof. They have not. 
Similarly, I have an old account ( more than 7 years old ) for the amount of {$84.00}, originally from XXXX XXXX bank. This account is still showing on my report ( all three bureau ). They have not removed it despite my demanding to remove it. 
Then there is a real estate loan account. Multiple banks are showing the same information more than twice. I have asked the three bureaus to correct this error. They have not.
XXXX 2017 - Customer Service Credit reps XXXX ( Employee ID  XXXX ) and XXXX refused to acknowledge the discrepancy in the credit card balance reporting being sent to me. I had proof that I was not receiving a past due amount for months but they refused to be of assistance. I disputed the payment with the card company, paid off all balances and closed my account since summer of last year. However, my credit score has been diminishing month over month for no apparent reason. I could n't believe that for {$12.00} ( which they claimed I was notified that I owed ), my credit score was affected by 50 points and service reps refused to do anything about that. This is cyber bullying they tried to threaten me that while they will be reducing my score even further because of the account closure, they will be checking my score again if it ever needed to be reactivated. The company knew they were wrong and refused to take responsibility. There is fraudulent activity on my account and I would like to understand why my score keeps diminishing. There is no other activity that comes to mind.
For XXXX/XXXX to remove the 120 days late reporting status. The credit bureas to notice XXXX/XXXX balance was paid in full after a student loan debt consolidation ; however now there reporting more than 120 days past due damaging my credit score. All three bureaus have been notified but they continue to report erroneously 120 days past due causing me to not qualify for a mortgage.
I already reached out to the credit bureaus and to I C SYSTEM INC for the account number XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEBT, I NEVER HAD A I C SYSTEM INC ACCOUNT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
Both XXXX AND Equifax but even more so XXXX since they are assessing me a fraudulent insufficient rating in my opinion have kept a 20+ year old student loan that was intiated when I was about " XXXX years old '' at a hair dressing school for which I was NEVER given loan information, counseling nor ever had it properly explained to me. I was NEVER even told the amount being borrowed in my name NOR given any documentation at the time. The loan was taken out by " then owner '' of XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. I " believe '' by the former owner XXXX XXXX or XXXX or one of his appointments handlers at the school at that time ( circa XX/XX/XXXX ). 

Both XXXX AND Equifax have had this single loan listed NOT ONCE but " 3 '' times on my credit report! This should be illegal!!! I only ever had the 1 as mentioned " fraudulently obtained '' loan 20 years ago ; which furthermore it was a trade school & I was unable to finish & only attended a few months " part time '' no less & as a result returned all of the equipment & books & materials given to me when I first enrolled. A clerk at the school assured me that ANY loans taken by the school in my name would be canceled out! CLEARLY ... I discovered to my HORROR that this was a LIE! Not only was it never canceled out ; it was reported as delinquent some years later for which I " hand wrote '' letters of dispute to the Big 3 Credits Bureaus at the time. Not only has the loan not been removed from my credit history it is, as mentioned reported on my XXXX XXXX account as " 3 closed & unpaid student accounts ''! This is a fraudulent account & I have been victimized by this single situation almost 20 years now! I've been denied jobs, apartments, credit cards, personal loans ALL because of this singular false accounting which is listed as 3 by both XXXX & Equifax! This is a long time abuse upon me as a citizen in this country, especially since, I have NEVER had a single credit card, personal loan or mortgage yet to this day at almost age XXXX & being refused things like shelter and employment based on a fault credit history is an absolute disgrace & needs to be addressed immediately! PLEASE MAKE THEM FIX THIS!!!
After being notified that I " may have been effected by the data breach '', I mailed a dispute letter to Equifax for proof of the inquiries that are listed on my credit report. Equifax responded by telling me that inquiries are to stay on my report for 2 years. 

This is unfair and incorrect!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX PHH Mortgage Services XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX, 2018 Regarding : Loan Number XXXX Dear CFPB, The mortgage escrow statement is missing the subject property address. I believe mortgage servicing laws require all mortgage statements have the property address associated with the loan on the statement. 

I received a mortgage escrow statement accompanied by a large check. I called the mortgage company PHH to see if they missed one of my insurance renewal payments. Some of my properties have more than one insurance policy. After three ten minute holds a consumer service rep verified my information. She verified my full name, mailing address, loan number and social security number but then would not verify the property address associated with the loan number and mortgage escrow statement I had received and was calling about. I explained I have more than one loan with PHH and I did not know which property this statement was concerning. Without knowing what property we are talking about we could not have an intelligent conversation about any propertys insurance renewal payments. 

I asked to speak with a supervisor and was told no one was available. I was told a supervisor would call me back within 24 hours. No one has ever called me back. The statement shows last years insurance was {$1300.00} and this year they only expect to pay {$590.00}, you would think that would raise concern. 

So now I am in a position where I do not know if the insurance on one of my properties will be renewed. I will only be able to find out after the policy has lapsed and my insurance company sends me a notice of non-renewal for lack of payment. PHH will possibly leave me in a position of great loss if my property is uninsured. The idea they will not tell me which property they missed the insurance renewal payment on is nothing short of negligence. 

I look forward to your assistance with this matter. 
Sincerely, XXXX XXXX
XXXX offered me a pay and delete offer in 2013, in which I accepted and paid {$93.00} in XXXX 2013. XXXX cashed the check on XXXX/XXXX/2013 and as agreed in the settlement offer, they should have updated my account information with all XXXX credit agencies. Therefore, it was illegal and unlawful for XXXX to sale the debt. I do NOT owe XXXX the full amount of the debt because this debt was paid and settled with the original debtor.
This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in XXXX but in the City of XXXX as well. 

The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA.

In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices.

Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX XXXX  residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally  performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to XXXX XXXX XXXX  Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX XXXX and  XXXX both require licenses and that the license number be disclosed on all communications with consumers. 

XXXX, NY 140-1License required. 

" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''
Hard inquiry ran on my credit report by this company without my permission. No application via phone, email, or mail requesting credit from this company. I have paid all accounts on report and would like this removed as it pulled my score down. This was an unauthorized hard credit pull and should be deleted by company. Information possibly sold or transferred to another company on file. 
Republic Finance XXXX XXXX XXXX XXXX, ga