WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX XXXX Client was approved for {$4400.00} in XXXX funds. {$1700.00} of the approved amount was applied to the Client 's delinquent property charges and {$2600.00} was set aside for anticipated tax and/or insurance payments. In XXXX XXXX Client received her XXXX property tax bill in the amount of {$1000.00}. On XXXX XXXX, XXXX we called Financial Freedom and confirmed that {$530.00} of XXXX funds remained in Client 's escrow set-aside. During the call Financial Freedom directed us to submit a written request so that the set-aside amount can be applied towards Client 's property taxes. A written request was submitted to FF that same day. On XXXX XXXX, XXXX we called Financial Freedom to find out a status of the property tax payment - FF advised that the set-aside balance was applied to Client 's reverse mortgage loan balance. Financial Freedom acknowledged that it received Client 's written request to apply the set aside funds towards her property taxes BEFORE Financial Freedom applied the funds towards Client 's loan balance. Financial Freedom 's explanation for applying the funds to the loan balance, rather than the property taxes, is that Financial Freedom is not allowed to hold the set aside for more than one year and that any XXXX funds held in the set aside for more than one year must be applied to the borrower 's loan balance. This statement/reasoning directly conflicts with the XXXX approval letter which specifically states that " the funds for the anticipated property taxes and insurance cost will be held in a set/aside escrow account by your servicer/lender for the express purpose of paying taxes and insurance until the funds are depleted ''. 

Moreover XXXX funds are a loan and the client has to give a mortgage. Client is not receiving the benefit of the loan. Applying the funds that the client is entitled to use towards her proeprty taxes and insurance towards client 's loan balance does not benefit the client in any way and the client may be at risk of defaulting on the reverse mortgage.
Experian is reporting a negative payment history in XXXX XXXX for a XXXX XXXX account that was settled in XXXX XXXX ; since the account was settled in XXXX XXXX, there should be no negative payment history following that date. We have previously disputed this both with Macys ( ref CFPB complaint XXXX ) and with Experian. XXXX XXXX response agreed with my complaint and stated, " On XXXX XXXX, XXXX, we requested the credit reporting agencies to update their records to remove the delinquency that was reported for XXXX XXXX. '' However, as of today, XXXX/XXXX/XXXX, Experian still has not updated my credit report to remove the delinquency being reported for XXXX XXXX ( see attached credit report ). The erroneous reporting of a recent negative payment history has a severe impact on my credit. Since the account was legally settled in XXXX XXXX, the reporting of negative payment history in XXXX XXXX falsely represents the true status of the account, a fact with which XXXX agrees and has tried to correct. Apparently Experian refuses to correct this error, even though instructed to by the information furnisher, XXXX.
I had previously submitted a complaint against National Collegiate Trust ( NCT ), as i was unable to find out any information on the XXXX student loans they were servicing. They reported that they had the loans in their response to my complaint. However, when i contacted them again, they stated they did not have the loans. Now, I am being contacted by a debt collections agency for payment in full of {$26000.00} for these loans. NCT never gave me the opportunity to make payments after my bankruptcy ended in XX/XX/2016 before the loans were sent to collections.
On  XXXX , I received a voicemail from an Inspector  XXXX , his company name was not given, from  XXXX . The same day  my Mother who lives in a different city was also contacted by him, he gave her my name and said I had violated Federal law and he needed me to contact him. She was very c oncerned thinking I was in some kind of trouble and called me in a panic. I assured her I had not broken any laws but called the number he left to get some answers. He answered, " This is  XXXX  ''. I told him my Mom and I had received calls, he already knew who I was and asked for my Social Security number. I said I would not give that info to a stranger and why did he need it, he said, " ok, I 'll tell YOU what it is '' and recited it to me. He then told me what the call was in regards to and mocked me saying, " so you just had NO idea you had missed payments ''? I said I was not oblivious to my personal finances, but that the lender and I had worked solutions out before and I was not behind to the degree I had been before when things were handled civilly. He then said I was accused of hiding my car, which is completely untrue,  I drive it every day, everywhere. He said if it was n't in the drive with a " big fat bow on it '' then I was hiding  it. My car is in my garage, like most people. He said he had a network of people tracking me and my license plate, ready to take the car when I least expected it, and that all of a sudden, at any point, " it will just be gone ''. He said I owed {$1300.00}, which I have not confirmed but sounds high. I said I would like to contact my lender directly to discuss the matter since they are who I had been doing business with since early   XXXX  . He said they were done working with me, that option was gone and I either had to pay the full amount or give up the car. He finally gave me a couple contact numbers at  XXXX  an d said to call them " right now and do n't stop until they answer. '' I called and they had closed business for the day. I 'm completely terrified to leave my house and my Mother is unnerved still. I can provide the voicemail and a testimonial from her if needed, please let me know how I can help.
On XX/XX/XXXX experian charged my husband and I 's debit card without us authorizing. We called them immediately and an experian representative said they would cancel our subscription ( that we did n't make in the first place ). Well today XX/XX/XXXX they have done it again same charge. We are on the phone with them again but have been on hold for over 30 mins now, so annoying. Our bank has put a stop to recurring charges from them for a year.
Credit,, they report I have numerous Alias names which is not correct. I have never ever submitted an alias name from my name I 've always used my one and only name I was born with that is all. I have received mail with wrong spellings and wrong names but I have never ever ever tried to use an alias never have never will it wo n't happen but yet when companies look at my background it looks like I 've been using many aliases and it looks like nefarious scandalous activities. I want that information to be correcting it taken off
I have disputed this account three times and they continue to verify but not validate according to the information requested in my initial letter, which to my understanding I have a right to request that all of these questions be answered. I am enclosing the last correspondence which shattered my faith in this company when I found another consumer 's credit information included in my mail and I believe in retaliation this company immediately added this account to my account again which caused my credit score to go down again. I think there aggressive behavior and the consistent letters stating they are concluding their investigation without providing the information I requested is intimidation. 

Please help. I am really stressed out over this company. 

XXXX XXXXAttachments : enclosed
Credit bureau in direct violation of GRAMM- LEACH BRILEY ACT, 49 CFR 801.56, FCRA , FDCPA and various consumer protection laws.
I do n't understand how wells fargo allowed someone to rob my savings account. every day.Someone was going to wells fargo ATM in Florida getting taking {$300.00} out everyday starting on the XX/XX/XXXX antil XX/XX/XXXX 2017.also someone was checking account balance in XXXX NC and tried to take out {$400.00} and {$300.00} and {$100.00} in the XXXX NC as well as someone taking money out in Florida. Someone manually keyed Credit card in at a XXXX XXXX XXXX in XXXX XXXX area, I did a fraud claim with the ATM card service nothing has been done. Some one from the Attorney General need to go into that Bank and take over and do a internal investigation. I have seen plenty different face that work there and then leave. please have the FBI go into that location XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX
Client died XX/XX/2015. Credit Card from Elan Financial Services is informed of his death by widow. Elan continues to send bills and adds additional charges. Widow pays bill and Elan Financial continues to add new charges. Again contacted by widow and Elan Representative confirms the cardholder is deceased in their system. Assures her all will be handled. It was not. I contacted Elan Financial XX/XX/XXXX, was assured of the same and it again has not been resolved.
Am Filing this complaint because Trans-union has ignored my request to provide me with the documents they have on file to verify the accounts I disputed under section 611 ( 5 ) ( a ) of FCRA thy are required to promptly delete all information I requested that can not be verifiedPlease resolve this manner as soon as possible Thank You.
XXXX  XXXX XXXX is reporting a tax lien on my credit report that has been paid and the lien has been released. Each time I have attempted to dispute this information and provide a lien release document, equifax has required me to prove my identity through a method where I must answer questions that they say are identifiers that have been gleaned from my credit report. The questions are NOT FOR ME. NONE OF THE QUESTIONS MATCH ANYTHING THAT WOULD RELATE TO ME. When I answer " none of the above '' I get an error message stating that I can not be identified thus I can not be helped. This, in my belief, is being done to deter me from disputing this erroneously reported derogatory occurrence. 

I would like this resolved so that I can provide them with proof of my proper lien status.
I have reached out to Experian regarding XXXX accounts that they continue to report incorrect information from them. I have provided proof to the creditors as well as, Experian. Still Experian continues to report this information alleging they have verified it despite the proof that I have provided them ( see attached ). This has prevented me for going forward with restore my credit. These accounts are reporting my Chapter XXXX BK filing incorrectly. My filing date was XXXX/XXXX/XXXX. They continue to report it as XXXX XXXX with past due amount. So and report that I have been delinquent for the past 3 months. This absolute false and is intentional. Prior to filing, XXXX/XXXX/XXXX I was never later not missed any payments, however, these creditor were notified at the time of filing and simply did not show up at the creditors meeting nor did file information with the courts to be included in the wage earner plan.
So I have contacted transunion and Equifax serveral times about inaccuracies they tell me its correct which is not the case. So I decided to reach out to the companies myself AND low and behold I get accurate information. So they lie when they say they look into stuff.
I was on a income based deferment and when I received the information that it was time to renew I sent in my information again which I qualified for deferment automatically because I was receiving government assistance. A couple months go by and I receive a notice saying my account was delinquent I called them and explained the information was submitted online. They say that it was incomplete but it was not all I had to supply was my benefit letter and they made me resubmit it and reported me as 120 days late 3 times for each of my 11 loans. Even though the verification information was marked as received on their website prior to the due date. I have disputed this information several times with no results.
I 've been receiving calls from ( XXXX ) XXXX trying to collect a debt that I do not owe. I 've blocked the call, but the caller keeps leaving messages. These messages are recordings urging me to call the company back.
This complaint is being filed against XXXX XXXX Bank that issues the XXXX  XXXX   Retail XXXX XXXX of 2017 I made a purchase on my account for {$120.00}, there was a payment due on the account which was missed so a late fee of {$25.00} was applied, so I paid my balance that was due on the account and the bank has continued to charge me late fees when I have no outstanding balance and no transactions.I have tried to speak with XXXX of their supervisors about this matter but they are unwilling to remove these and continue to charge late fees upon late fees I can only assume to generate more money for the bank with no transactions that have been charged.
I took out an installment loan in XXXX XXXX, the loan was for $ XXXX.To date I have paid well over {$6900.00}, almost three times the principle. I still owe close to {$3000.00}. Prior to accepting the loan I did read the " fine print '' but it was not easy to understand. It was not explicit stated that the monthly payments would be going to the interest and not to paying down the principle, making the loan impossible to pay off quickly. 
I called and spoke to a customer service agent on XXXX XXXX, XXXX ( the call was recorded ) and asked specifically for an amnesty on the remaining balance because I am having a hard time paying on this exorbitantly high interest loan for over 12 months. I also explained to her that to date I had paid almost three times the principle, she said " no. '' The fine print on this loan document was written in legalize that the average lay person could not possibly understand. There are many more months left on this loan ; in the end, the total paid before it is satisfied will be over {$9500.00}! Paying {$7500.00} in interest for a {$2500.00} loan is outrageous and should be illegal. 
Again, the " fine print '' was not easy to understand and I did not understand EXACTLY how much this installment would cost me. I have paid off the principle three-times over and the rest should be forgiven.
I was contact by XXXX XXXX and they said they were collecting a debt on an old account I told them I needed additional information and I was told it cost them more money to get account information but they have enough to proceed with further actions if I do not pay. They mentioned they seen I have cleared up all my past debts so that prompted them to contact me to clear the one they purchased. I have they kept asking me if I seen them on my credit report which I answered no but then said used it as a threat which they did add to my report. Once on my report I could see the name of the original creditor " XXXX XXXX XXXX '' The qualifications to join this union are to be a XXXX resident. I have never lived or know anyone who lives in those stated. I am not eligible to even have services from this credit union. This is clearly fraud and they are constantly acting as if they a re making changes to my report so they know my credit monitoring will alert me. I submitted a dispute to experian they did not change anything. They should have an application of some form with my address or how I am eligible to have a loan from this credit union. This is not a standard bank. That should have been an easy way to find out if this is a true debt of mine I am not sure what the review process is but I do n't believe it was looked into correctly. I communicated with XXXX there were several disconnections they told me the have a internet phone system. If I legitimately owe this I would pay but it seems far too sketchy and they seem to now how to pull of the disputes of experian they did n't even try to add to my other credit files. I am not trying to discredit anyone maybe they bout a bad debt with wrong file information. I tried to submit another dispute being more detailed about the fact I am not eligible for this credit union but they say they will not review the same dispute twice but I can put a comment on my file. If they do not look closely they are only adding to the problem.
I have not been given credit for the payments I have made since XX/XX/2015. It appears more has been added to the report. I do not have a contract with LVNV and will be filing a counter suit in XXXX if they do not remove the derogatory remarks. I have not missed a payment and I assured them I would pay XXXX through correspondence. They refuse to correct the report. They bought the loan from XXXX who I am unable to co tact. I have disputed this previously,. To date I have paid {$920.00} and have proof through bill pay from my bank.
O n  XX/XX/16  I made  out a Check to  XXXX   XXXX , which he never received. However, on   XX/XX/16   , so meone went to Bank of America and cashed this check without an endorsement.   XXXX   XXXX  , who is my bank should have never accepted this check back from Bank of America without an endorsement and now they will not give me my {$800.00} back. They advise me that Bank of America is doing a fraud search. That should not be my problem. They do n't care because they are not out {$800.00}. I should be given my money back plus interest. It is now  4 m onths and they have no intentions of doing that. What are my rights? How can they get away with that?
Well Fargo input my loan as a $ XXXX/month payment. It made it nearly impossible for me to get a car loan as this made my income to debt ratio over 300 % ...
On XX/XX/XXXX I signed up for Fraud Alert with Transunion. I also received a free credit report from them. In the Transunion Interactive Service Agreement, it states : YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION AGREEMENT, BUT YOU MUST EXERCISE THIS RIGHT PROMPTLY. You must notify us in writing within sixty ( 60 ) days after the date you click-on to " Accept '' the Agreement. You must send your request to : TransUnion XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX   XXXX. This request must include your 16-digit account number and a clear statement of your intent, such as " I reject the arbitration clause in the TransUnion Interactive Service Agreement. '' As requested in the agreement to reject the arbitration clause, my 16-digit account number either does not exist, or is nowhere to be found. I called XXXX and spoke with Supervisor XXXX whom was not aware of an account number. Instead, he gave me a FIN number ( that was not 16-digits ). I could not understand his dialect, so, I am not sure it was even a FIN number ; it may have been a PIN number. Furthermore, he advised me to call XXXX for my account number. The representative at that telephone number knew nothing of a 16-digit account number, however, he gave me my User ID which was not 16-digits long. I searched all of the Transunion websites I could find, past Transunion e-mails, as well XXXX searches for where to locate said information, and still could not find my 16-digit account number. 

I 've included in my letter sent via certified mail on XX/XX/XXXX to Transunion all relevant information I could think of including my name, address, User ID ( according to the representative I spoke with on the phone ), and the last 4-digits of my social security number, in hopes of legally rejecting the binding arbitration agreement. It is unacceptable for Transunion to require this account number to reject the Arbitration clause if this number does not exist or if I have no reasonable means of locating the number.
A company called  ACF  called in regards to  XXXX   XXXX  from phone #  (   XXXX   )   XXXX . The company disclosed that a debt is owed after I had advised that I was not the requested party. After advising them they are not allowed to imply debt to a third party, the agent continued to press for information on  XXXX   XXXX
I bought a house in XXXX 2017. Within 3 months I started shopping for a refinance mortgage company to re finance my home. form XXXX to present date I have contacted at least 17 mortgage companies with no success in refinancing m home. Each time I contact a mortgage company all 3 credit bureaus are list them as hard hit. Another inquiry is added to my already my already spiraling downward credit report. I was made aware of the info that CFPB has relating to Mortgage Bureau 's protocol within the Credit Bureaus Reporting practices on Mortgage inquires. The article says and i quote " You can shop around and get multiple preapprovals and official loan estimates. The impact on your credit is the same no matter how many lenders you consult, as long as the last credit is within 45 days of the first credit check. Even if a lender needs to check your credit after the 45 day window is over. Shopping around is still worth it. The impact of an addtional inquiry is small, while shopping around for the best deal can save you a lot of money in the long run. ''
I AM SICK OF TRANS UNION, THIS COMPANY ALLOWED XXXX REPORT THE SAME ACCOUNT TWICE RUINING MY CREDIT PROFILE, THEY ALSO REFUSE TO INVESTIGATE XXXX XXXX WHICH IS REPORTING ON MY CREDIT PROFILE WHO I DON'T OWE A DEBT TO.I ASKED THEM EXPLAINED TO THEM THE ACCOUNT WASN'T MINE AND THEY SENT BACK VERIFIED I ASKED THE METHOD OF VERIFICATION BECAUSE ITS IMPOSSIBLE FOR THEM TO VERIFY I ACCOUNT I NEVER HAD THEY IGNORED ME, ITS BEEN OVER 30 DAYS I SENT THE LETTER VIA CERTIFIED MAIL SO I KNOW TRANS UNION RECEIVED THE LETTER .SOMETHING REALLY NEEDS TO BE DONE ABOUT THIS, HOW CAN THEY LET THE SAME ACCOUNT THAT IS NOT MINE REPORT TWICE THE SAME ACCOUNT NUMBER, SAME ACCOUNT DATE AND EVERYTHING & NOT EVEN CARE TO FIX IT.I WILL CONTACT THE NEWS STATION, MY STATE ATTORNEY GENERAL & EVERYONE I CAN BECAUSE THESE BUREAUS ARE BEING PAID BY COMPANIES TO REPORT & THE BUREAUS THEY DON'T CARE IF THE COMPANY IS REPORTING ACCURATE INFORMATION ALL THEY CARE ABOUT IS THE MONEY THEY ARE MAKING ..THEY DON'T CARE IF THE ITEMS IS TRUE AND ACCURATE SOMETHING HAS TO BE DONE ABOUT THIS THE CREDIT BUREAUS NEED TO STOP THIS IS AGAINST THE LAW, XXXX & XXXX  WOULDN'T INVESTIGATE THE ACCOUNT WITH XXXX XXXX I DONT OWE THAT DEBT, NONE OF THE COMPANIES WILL INVESTIGATE THIS ACCOUNT WITH XXXX XXXX I REPEAT I NEVER HAD A CONTRACT WITH THEM & I NEVER HAD AN ACCOUNT WITH THE ORIGINAL CREDITOR
I have an open account with Capital One Bank with a credit limit of {$1000.00}. ( Information : My credit limit was {$10000.00} with Capital One Bank, but after getting a cash advance for {$5000.00}, my credit limit was reduced to {$1000.00} ). During XXXX 2015, I had a balance of {$11.00} on my credit card account. On XXXX XXXX, 2015 my personal banking account was debited {$11.00} by Capital One Bank from a check I wrote to Capital One Bank. After debiting my account, I now have a zero balance with Capital One Bank. I have not used the card since having a zero balance. On XXXX XXXX, 2015, I received a billing statement from Capital One Bank with a " Renewal Notice '' that I would be charge {$59.00} for a " Annual Membership Fee ''. In the statement Capital One Bank " urges '' that I avoid paying the Annual Membership Fee by closing my account. I have basically, XXXX complaints. Number XXXX : Why am I being charged a {$59.00} Annual Fee with a zero balance, when I have a " Excellent '' credit rating, while other card holders are being charged only a {$39.00} Annual Membership Fee. XXXX I do not want to close my account. Closing my account could affect my credit rating. At any rate, I prefer not to close my account.
Im writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX-XX/XX/XXXX & XX/XX/XXXX-XX/XX/XXXX for my  XXXX XXXX XXXX/XXXX account Ive contacted all 3 credit bureaus for these late payments to be removed but still no resolution.