WillisBack/dataset-financial-user-claim huggingface dataset:
Due to the fact that I had to stop working in XXXX of XXXX to provide home health care for my wife that received a XXXX in an accident on XXXX XX/XX/XXXX, I contacted BB & T bank and asked for 2 months of deferred payments on 2 car loans. This was done and explained to them as well in order for me to have time to get my financial affairs in order and to maintain my high credit rating. After a lengthy process I was told the deferment was approved on XXXX XXXX, At the beginning of XX/XX/XXXX I went on line and check my accounts and it said my next payments were due on XXXX and XXXX XXXX, so I paid {$420.00} on one account and {$700.00} on the other, leaving a small balance that I could easily pay out of my military retirement at the end of the month. To my surprise when I again went on line at the beginning of XXXX I found it saying I was already over forty days late and it did not show what happened to the {$1100.00} I had thought I was paying for XXXX. I could not get an explanation of what was happening or where my money had gone until I filed complaints with the XXXX and consumer affairs. Finally at the end of XXXX beginning of XXXX, BB & T said that the right side of my statements were wrong and I should have been paying according to the left side. Even though I had always paid referring to the numbers on the right side. Then to make matters worse BB & T turned in every month starting from XX/XX/XXXX all the way through XXXX as late. I attempted to refi the vehicles through them at an supervisors suggestion and it came back denied because my income was too low??? Then I had to get a second deferment for XXXX and XX/XX/XXXX and once again I was provided with the wrong amounts due for previous months and again found myself behind when according to what I had been told part of the payments I sent in would be applied to the XXXX amount due. There was no way to decipher these statements because they had never been fixed and still had the same problem that their executive said they were working diligently to fix and on one account it has not ever been corrected. There mistakes ruined my credit and prevented me from acquiring a refinance loan on my home that I had to have to take care of my family and keep other bills current. I dont care how many times they go back and keep removing missed payments off my credit report, they have totally destroyed my credit and caused extreme financial hardship and stress on my family. I want to know how it is legal to provide false information and use it to destroy someones credit. I want payment for damages and mental anguish and stress this put my family under as we were already trying to cope with a life changing tragedy. I will rip this company 's public image to pieces until I have been paid in full for the damage they have done. I dont need anyone sending information to BB & T because they already know about what they did and have taken no steps in paying for the damage they did. If this agency does not have the jurisdiction to impose fines or penalties on a major bank institution then please provide the name of the one that does. This kind of irresponsible behavior can not go unpunished.
I deposited {$210.00} cash in the ATM at the US Bank XXXX branch in XXXX XXXX. The machine had an error and was unable to process my deposit and printed an error receipt. Calling customer service and the branch was useless. The branch would redirect me to the XXXX ( XXXX ) which would tell me to call the branch. They are telling me 10 business days until I can access my funds. How can they take my money? I am overdrafted and bills are now past due. I 'm being charged late fees from my creditors and this negatively affects my credit score.
I did a dispute wit EXPERIAN several times indicating the error is been reported a late payment on    XXXX   XXXX  with the account with time payment company, Experian sent me the results they never fix the error  here are the documents to support my complaint as of today 's date since Experian  didn fix  my report I decide to share with CFPB .Im attaching proof of my  XXXX  payment sine Experian  report  ed one l ate in   XXXX   payment, please review my documents and let me me know when the error is been fix Best regards   XXXX   XXXX
In XX/XX/XXXX I asked that Wells Fargo to report me making my monthly mortgage payment to the 3 credit reporting companies. In XX/XX/XXXX I had filed bankruptcy on my business, but not on my home. I have continued to make my monthly mortgage payments in a timely manner. 

In XX/XX/XXXXI was also married. At that time I submitted a copy of my Marriage Certificate and requested that the last name on my loan ( my maiden name as I was single when I financed my house ) be changed to reflect my married name. It never was done. 

In XX/XX/XXXX I became a victim of identity theft. I am a XXXX XXXX veteran, and also used my debit card at several large corporations who had their data hacked. At this time I started paying more attention to my credit rating and my credit record and realized that Wells Fargo was not reporting my monthly mortgage payments. Also, I knew that after 10 years my bankruptcy would start to fall off my credit rating, and I needed to get serious about re-establishing credit. 

In XX/XX/XXXX when I contacted Wells Fargo and asked them to please start reporting my monthly mortgage payments, they instead referred me to the " dispute banner displayed on account '' which referred to the removal of my bankruptcy filed in XX/XX/XXXX. Again, my bankruptcy filed in XX/XX/XXXX was for my business, and did not include my account with Wells Fargo, and I did not ask that the bankruptcy notice be removed. 

I asked that they start reporting my monthly mortgage payment. 

I received a letter dated XX/XX/XXXX from Wells Fargo with the following : " Because our review results didn't support your dispute, we've added a Compliance Condition Code on your credit report, which reads " Completed investigation of FCRA dispute - consumer disagrees. '' This code will remain on your credit report until you request we remove it. If you'd like the Compliance Condition Code removed, you may contact us at the phone number provided in this letter. If you'd like to submit the request in writing, you can send us a signed, written request. 

They included the phone number XXXX Wells Fargo has completely ignored my request, and my right, to have my monthly mortgage payments reported to the credit agencies and I don't know why. I don't believe me filing bankruptcy in XX/XX/XXXX on my business, but not on my home, should prevent my payments from being reported.
This information was removed back in XXXX 2015 and then now, 3 months later it is reappearing!
Hi, I cosigned for my brother to live at XXXX XXXXXXXX XXXX in XX/XX/XXXX. He had made all payments for his rents, and when it was time to move out, he made the final payment requested. We talked with XXXX at the apartment office and she told us our {$200.00} caution will be used in case my brother got charged for leaving before the end of the month.She even recommended that my brother rent from one their sister apartments in Indiana where he was moving because he had been in her own words a " good tenant '' My brother moved out of XXXX XXXX on XX/XX/XXXX. To my shock and horror, in XX/XX/XXXX, I got a collections on my credit from a debt collector called rent debt, stating my brother was owing {$270.00} when he moved out. We had received no letter informing us of the debt nor had we received any request for payment from XXXX XXXX. None of our calls to XXXX XXXX have been returned for clarification. The creditor on my report is showing up as XXXX XXXX, a company I have never done business with. It was only after requesting a debt verification from rent debt collections that I realized the company involved was XXXX XXXXXX/XX/XXXX.The worst part is this false collections reporting has dropped my otherwise stellar credit score by over 90 points.All attempts at disputing the debt with rent debt have been futile. They claim the collections can only be taken off my credit report if XXXX XXXX confirms with them the account is not delinquent. I will like for XXXX XXXX to accurately report my account status to rent debt or at least request the alleged debt from me and give me a chance to pay it before taking such a drastic and punitive step of destroying my credit, and therefore my livelihood. I do not think it is common practice in the industry to send account to collections within a month of being owed and without requesting payment from the consumer first. How can i pay a debt i do not even know i owe? I will really appreciate your intervention, to help with the quick resolution of this matter with XXXX XXXX XXXXXX/XX/XXXX and rent debt automated LLC. Thank you.
It was reported to XXXX, XXXX & XXXX  in XX/XX/2017 by Wells Fargo Bank I was late on my XX/XX/2017 car payment of {$300.00}. This information is incorrect, I have never been late on my car payment. This account was paid in full by XXXX XXXX. 

General Manager, XXXX XXXX of XXXX XXXX has communicated with Wells Fargo Bank regarding this issue and resolved the matter. Please correct this information on all three reports and make me current showing no late payments. 

Please contact XXXX XXXX at XXXX XXXX at ( XXXX ) XXXX and Wells Fargo Bank at ( XXXX ) XXXX.
A woman called me and immediately asked to speak with XXXX. When I said that yes this was XXXX, she claimed to be from " The Best Service Company '' and immediately asked me to verify my identity by providing my date of birth and the last XXXX of my social. She did n't even ask what my last name was. I became suspicious, so I asked what her call was concerning. She then said that she could not discuss that with me unless I verified my identity. I then told her I feel hesitant to release that type of sensitive information over the phone to an unknown company that I did not personally call. She then said " I understand, is your date of birth **/**/**** ( She stated my full date of birth to me. XXXX '' I then told her I am not comfortable confirming any sensitive information regarding my identity until I know the reason for the call. She told me that She could not tell me until she verified my identity. I then told her we were at an impasse since I have no knowledge of any relations with " The Best Service Company, '' and I would be unable to provide her with any information. She then hung up. I called the company back and asked a representative to put me on their do not call list. They agreed without obtaining any information to actually do so, then hung up. Due to the fact my information was shared over the phone without my consent, I contacted Transunion and had a fraud alert placed on my file. While reviewing my credit statement, I saw that The Best Service Company had placed a statement on my credit report claiming that I owed them a debt of {$420.00} for an account with a local credit union, whom I have never had a line of credit with. I filled a dispute against the statement on my file. I am appalled that my personal information was disclosed over the phone, allowing for a simple " yes, or no '' answer to suffice as an adequate verification of identity. I am additionally aggrieved by the fact that my information was so easily provided to an unverified caller, who may not have had previous knowledge of the information shared. My privacy has been infringed, and my personal credit has been falsely affected in a negative light.
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX IN RESPONSE TO CFPB : XXXX Dear XXXX : On XX/XX/XXXX, I have wrote several letter of dispute I have been ignoring and the proper protocol was not used to determine my dispute reason permitted by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : XXXX XXXX  XXXX Closed : XX/XX/XXXX XXXX {$11000.00} Closed XXXX CARD Closed : XX/XX/XXXX {$0.00} Closed Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! 
If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of  the court action, plus attorneys fees. 
I have forwarded a copy of this letter to the Federal Trade Commission.
Loan Depot has failed to pay my town property taxes. Due to their non payment my name will be listed in the town letter for the next 3 years causing my reputation harm. I have called them to try and resolve this multiple times but all I can get out them is " It 's being worked on '' At no point have they been able to give me any indication as to when my town taxes will be paid or what the actual status is with the process. They are unable to let me speak with someone who can actually be of assistance and block all attempts at escalation.
I requested from Nationstar mortg a final accounting of my account after the loan was paid off in full through a third party title/escrow company after selling the home. I received a refund check labeled payoff overages, but they refuse to sent any breakdown of accounting of the final numbers and fees charged.
XXXX XXXX, XXXX in XXXX, Florida is reporting a {$0.00} XXXX balance on my credit file. The company said that I paid the collection directly to XXXX XXXX. XXXX is saying they have no record of me going to collections. IT has all the information then it say XXXX balance. I have never made any payment to this company.
I made a purchase at XXXX on XXXX and returned the item on XXXX. The refund was returned to my bluebird card on XXXX. I logged on and it shows bluebird has decided to put an extra review hold on my refund an wo n't return it until XXXX. I called an was given XXXX different reasons why it was being held. I was told it was a random review, I was told it was held because it was returned at a different store than it was purchased, I was told it is a new process to allow the merchant 7 days to change there mind, then I was hung up on by the XXXX XXXX why I asked for corporate contact info then I was told by XXXX it was n't received an his XXXX says they received a memo but never received the money. I verified with the merchant bluebird was sent the money. I was also told refunds no longer go to bluebirds bank but direct to my account. All the agents are in a foreign country and very rude. They offer no resolution and never the same answer. I am at the point of contacting my attorney for a class action lawsuit because I had a similar issue that I never got a response in XXXX of XXXX
XXXX XXXX XXXX XXXX I've disputed the information on my credit report I have no knowledge of account
I am a victim of identity theft. The inquiries, which appears on my credit report from XXXX/XXXX  dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.
I applied for a mortgage refinancing through Quicken Loans. The approval letter is dated XX/XX/XXXX. Talked to XXXX XXXX he told me I was approved. All I had to do was send them a good faith deposit of {$400.00} and it would be refunded when my loan was processed. On XX/XX/XXXX I received a letter saying I was not approved. I XXXX XXXX and ask for my refund of my deposit. He then told me I would not get it back because it was for the appraisal. I told him he misled me. I contacted Quicken Loans many time for my refund with no results. My loan # XXXX. I have XXXX after this happend and there is thousands of people they have scammed people out of money this way. Please help me.
Called Propel Financial Services to discuss late payment on property tax loan and I was told by customer service representative that my property is in the foreclosure stages. I have NEVER received any type of certification via mail stating such and there has been no period offered to " cure '' or notice of. No correspondence of any type has been mailed or communicated other than the verbal via a phone conversation from a rude male representative ( X/XX/2017 ).
Letter from First National Collection Bureau, XXXX XXXX XXXX, XXXX NV XXXX, Dept # XXXX, Ref # : XXXX. Letter claims to want to collect a debt on behalf of XXXX XXXX XXXX XXXX, of {$64000.00} for {$19000.00}. They provide no proof of debt. In fact, their form letter say " Because of the age of your debt, we will not sue you for it and XXXX XXXX XXXX XXXX will not report it to any credit reporting agency. Then why harass me with their letters. The form letters are not tied to anything, just harassment for what? I want the letters and harassment o stop.
I have not been able to pay of loans and Navient ha offered forebearance each time I can not make my payments Which are to high to pay back and I went to University XXXX XXXX and can even get job I really need help
Account ending in # XXXX was closed w/ XXXX balance in XX/XX/XXXX with XXXX XXXX XXXX credit card . I closed my email account with XXXX and destroyed the said credit card. I received emails stating that I owed a balance on my new email account with XXXX. I tried to respond but the email from XXXX  was returned undeliverable. I finally received a bill from XXXX to my physical address om XX/XX/XXXX stating that I owed XXXX {$9.00} in overdue payment. I mailed a check for that amount that same day. Today, XX/XX/XXXX I received my dispute report from Experian Credit stating that I am overdue in payments to XXXX and the fee is now {$10.00}. This dispute could have been resolved in XX/XX/XXXX if XXXX would have sent a bill to my physical address instead of online.
XXXX is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 2 accounts reporting to XXXX  which are fraudaulent & I'D like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
XXXX Accountnumber XXXX ... ... ..failed to notify me about reporting derogatory info.In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after 05/2015, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response.
Also, SYNCB/WALMARTDC '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages.
Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) SYNCB/WALMARTDC failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.
I attached a copy of the law and the actual document from the federal reserve XXXX is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX writ dism 'd w.o.j. )
Opening XXXX and Trans Union, I had several credit based questions. 
Mainly about a mortgage I Oobtained from a bank that ( I am obviously answering this question incorrectly. In addition to a phone number ... 
I appreciate the security, but I am amazed, that I am unable to obtain my information, about myself..and possible errors created fictiously. 
There is an apparent glitch in this program when it is not programmed to adjust questions accordingly.. I would appreciate any help to freeze my accounts due to the refusal of allowing ME access to MY accounts.. I would like to obtain XXXX credit reports for free Also. I noticed that a credit report advertised, is XXXX. I thought they were free.. 
Please & elp me out here, I appreciate your helpfulness.
XXXX XXXX XXXX. 
XXXX XXXX, XXXX {$750.00} Item was disputed for fraud. Item was removed and re-added with no notification. 

XXXX XXXX XXXX XXXX XXXX, XXXX {$660.00} Item was disputed for fraud. Item was removed and re-added with no notification XXXX XXXX/XXXX/XXXX - hard inquiry.. Was not given permission. 

XXXX XXXX XXXX/XXXX/XXXX -hard inquiry.. Was not given permission. 

Addresses : XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both need to be removed. Old information
Not willing to work with me to reduced my monthly payment. I pay over {$600.00} a month. Most of which goes directly to interest not the principle. only a few dollars each month is applied to principle. My interest rates are outrageous and variable.
I 've disputed the inquiry from PARADIGM ACCEPTANCE on multiple occasions asking for verification from them since they are the ones reporting on my Credit file to  XXXX  for physical verification this inquiry was in fact made by me. I 've not been provided proof and the company is still reporting.