WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX tax liens are incorrect and reporting with Equifax. I have searched my name under Georgia XXXX XXXX XXXX site under deliquent taxes and results list " no date found '', at the following Georgia XXXX XXXX XXXX XXXX XXXX : XXXX
On XX/XX/2018 TD Bank is blocking my external application to transfer my funds from my account to XXXX XXXX. 
I called Td Bank and they refused to unblock my account access
They would try to agressively collect money from me over the phone. I paid them all of the money I owed. They would n't work with the repayment arrangement and I have derogatory information on my credit report.
This complaint is related to CFPB # XXXX and CFPB # XXXX - Details of this complaint are the same as outlined in the other above referenced complaint file numbers. This Chase card is for our business ( XXXX ) and it was opened with Chase however it is not reporting on XXXX so we are not sure what the source document that was used by Chase to make the decision to reduce our credit limits on this card. It has been open for a number of years ( over 5 ) the business has been established since XXXX. We contacted XXXX XXXX XXXX and they have a file however the file is empty because no one has been reporting XXXX to them. 
We have requesting a copy of the credit source document from Chase however as of the date in filing this complaint, we still have not received it. We also have not received a letter in writing tell us they have reduced the credit limit on this credit card - they only told us verbally in a phone conversation from XXXX, XXXX and XXXX. 
The reasons for the credit reduction ( as we were told verbally ) are all the same for the XXXX accounts we have with Chase. 
Again, we feel violated and insulted over this action and feel it is not justified. THESE PEOPLE LIED TO US AND WE WANT THEIR PROOF OF A LATE PAYMENT HISTORY ON 1 OR MORE ACCOUNTS IN WRITING. 
When I reviewed my XXXX credit report - the Chase XXXX credit card is not even showing on the report - so where are they reporting the credit rating on this account?
I was charged legal fee for a attorney but they can not give me details on what the what the attorney did. I also hired a attorney and my attorney did all the work. Was told by the banks attorney to just send him all the information to approve. His fees was {$8200.00}. I have requested exact details on what the attorney did and was sent the same court documents that was sent to me by the court. No proof of what the {$8200.00} went for. I have emails showing the banks attorney did nothing. When asked about if they hold the attorney to a standard was told no they get a invoice and they pay it and I was responsible for paying the bill. When I pointed out that their attorney almost settled for {$14000.00} when cost to remediate the damages was over {$60000.00} was told that it was not their issue. Mr. Cooper did not hold their attorney to any standard and let the attorney charge for doing nothing. In addition, I was never told they hired a attorney nor did the attorney contact me to find out information on how the imminent domain case impacted the property. I do not feel I should pay for both attorney fee.
XXXX, Equifax and XXXX are reporting misinformation On my credit report. XXXX XXXX should show a XXXX  balance On my credit report. I open this credit card with a cash deposit Of {$300.00} which XXXX XXXX never returned. This credit card Was secured with the {$300.00} cash deposit. XXXX XXXX is Reporting to the three credit agencies that I owe them {$250.00} Again I  owe them nothing and they owe me {$300.00} my deposit Which they never returned to me. 
XXXX XXXX XXXX should also show a XXXX balance On my credit report. I did a voluntary surrender of XXXX XXXX XXXX which was financed for {$7000.00} by XXXX XXXX XXXX. The total cost of the XXXX XXXX XXXX was {$9000.00}, I paid {$2000.00} cash down payment at time Of purchase. XXXX XXXX XXXX sold a XXXX  XXXX XXXX at a public auction for {$2000.00} for a net lost of {$5000.00}. 
XXXX XXXX XXXX reported to all three credit Agencies that I owed a deficiency balance of {$5000.00} still Owed on the car. XXXX XXXX XXXX sold the Car for under the Fair Market Value of the car, therefore I owe them nothing. They sold the car for under the Value That the car was worth. 
I want XXXX XXXX XXXX and XXXX XXXX Taken off my credit report.
Company called Dynamic Recovery Solutions trying to collect a debt behalf of XXXX XXXX XXXX for the amount of {$6900.00} which is n't mine. I believe this is a fraud. 
Current Creditor : XXXX XXXX XXXX Current account No : XXXX Balance : {$6900.00}
On XX/XX/18, I opened a Capital One Money Market Savings account that had a bonus offer of XXXX after depositing a total of XXXX by XXXX XXXX.  I made 4 seperate deposits of : XXXX, XXXX, XXXX, XXXX, by XXXX XXXX.  The terms stated that the bonus would be posted by 60 days after the XXXX total had been met, and the bonus still has not been posted. When i contacted capital one, I was told the the XXXX had to be deposited at one time, which is not stated at all in the terms.
I made a settlement agreement with the original creditor. I sent a copy of the agreement and proof the payment to TransUnion to update my credit report. They updated my report initially and then changed it back to show me owing the balance the next day.
I try a loan modification with Flagstar for 5 years, and they keep losing the paperwork
This is basically started from a previous complaint # XXXX I filed, at that time I thought it was XXXX XXXX, but it was n't. On XXXX/XXXX/XXXX my girlfriend got a phone call from a lady named XXXX XXXX from phone number XXXX, in reference to me XXXX XXXX XXXX, this lady proceeded to tell my girlfriend that if I did n't resolve this matter, that they would turn it over to the District Attorney and have me arrested. At that point she called me and told me I needed to get to her house and talk to this woman, at which point I did. She told me that she had been contacted and had this matter turned over to her, funny thing is this is the same company that I talked to before. Incidentally she had told the whole story about this to my girlfriend and stated they would have me arrested if I did n't resolve it today. I talked to her on my girlfriends phone ( XXXX ) for approximately XXXX minutes, she told that I could be arrested because I had sent a check, which I never did and had created fraud against this Payday loan Company ( XXXX ), I basically was forced to sign a document under duress that I would make this matter be paid from my debit card, as they would no longer accept any checks from me. I will attach a file with the document in it to this complaint.
XX/XX/2018 I tried opening an account with USAA I had previous relationship with them when I used to have an Auto Insurance policy with them. Was told that my online account was under review and to call back next week. On XX/XX/2018 on called to USAA security department was told that I was clear and that they found nothing wrong with my account and transferred to new member services to open up a checking account. I was told by them that my account was still locked and that they were not going to open up a checking account with me and never stated a reason why? later phone call would stated that my previous military services was the reason why I was denied an account. None of that was ever discuss in our previous phone call.
I have been paying on a student loan from Great Lakes Higher Education for 28 years. I have records of all my payments which totals {$57000.00} The original loan was {$17000.00} on XXXX XXXX 1991. 
They say that I still owe {$38000.00}. 
They are going to take my tax refund and garnish my wages very soon if action is not taken. 
I have repeatedly written letters, applied for XXXX Forgiveness with no results. 
They have turned the loan over to a collection agency ; XXXX XXXX XXXX which I have also written and received the same reply, that I still owe the money in question. 
PLEASE HELP!!!
My VW Credit auto loan for my XXXX was paid in full as part of the VW diesel scandal buyback program. My car was turned into a dealership on XXXX XXXX. I was told to expect a refund in the amount of approximately {$450.00} XXXX ( the difference between the amount of the buyback and what I owed on the loan ). After not receiving the refund, I contacted VW on approximately XXXX. I learned the amount I would be refunded changed to approximately ~ {$200.00}. I questioned the amount, and was told by the agent that VW actually owed me a few dollars more than the initial check was written for. The agent told me a check for the additional amount would be issued. She also offered to reissue a check for the amount of the missing check, or I could wait a few more days. I opted to wait a few more days. At that time I informed VW that I had recently moved and provided my new address. Still having not received my refund, I called VW today XXXX. I spoke with XXXX different agents. All who told me I was owed different amounts ... ~ {$450.00}, XXXX {$400.00}, XXXX {$200.00} AND that they can not reissue the check because I have to wait 30 days. I 'm frustrated because they supposedly sent a check for the incorrect amount and I have to wait longer for them to reissue a check for the correct amount. I have no idea how long it will take to receive the new check once they reissue it because I ca n't seem to get a straight, consistent answer from VW. Given their reputation of taking advantage of consumers, I believe they should be working to improve their reputation not give us more of a run around. I wasted ~90 minutes of my time today attempting to get the money that is owed to me, or at least a consistent answer about the amount owed to me.
XXXX, XX/XX/XXXX : I open a {$1000.00} secured credit card with XXXX XXXX XXXX  to establish my credit score. 
XXXX, XX/XX/XXXX : I apply for a CHASE Freedom Unlimited Credit Card and get approved ; credit line XXXX XX/XX/XXXX : I move to XXXX to work in XXXX, where my parents live, to work there for a year. 
XX/XX/XXXX : I apply for the CHASE SAPPHIRE PREFERRED CREDIT CARD and get approved XX/XX/XXXX : I apply for the CHASE FREEDOM CREDIT CARD, because " I would qualify for it " as Chase advertises in my account XX/XX/XXXX : I close my secured credit card at XXXX XXXX XXXX, because I want to mainly want to use the new CHASE Sapphire credit card XX/XX/XXXX : CHASE closes ALL ( 2 ) my accounts. 
XX/XX/XXXX : I ask Chase Specialist for a review. It would take 10 work days. 
XX/XX/XXXX : CHASE doesn't re-open accounts ; it would be a risk, because I have no history. I explain I am traveling and want to start using the card. I have no debt and always pay my bills on time. But I don't get a chance to prove it and feel discriminated.
Hello. We were unaware that there was a debt with Cbe group as we never received a bill. Now it has shown up on the report. We have since made a payment on the account to avoid collections, but I am not even sure we really owe this bill as we cancelled services with them last year.
Southwest Credit Systems is reporting a collection account on my credit report that was previously assigned to XXXX XXXX and was deleted. Then, I get an alert on my credit report that SWC reported this account with an open date of XX/XX/XXXX. How is that possible? Now it says this account wo n't be deleted from my credit report until XX/XX/XXXX, which means they extended the statute of limitations and should not be allowed. They are in clear violation of the Fair Credit Reporting Act. I even tried to file a complaint against them with the XXXX.
I initiated a wire transfer through my company account with Chase Bank ( XXXX XXXX, XXXX ) for payment to a service supplier of mine in XXXX on XX/XX/18 for execution on the next business day which was XX/XX/18. I received notification that the wire was put on hold, pending me providing more information. 

I am travelling overseas on business at the moment which makes the resolution all that more difficult but I tried to contact the bank on the number they gave me but it wasn't working. So I called the number on the back of the company debit card I have and they transferred me to the business division. After providing all my personal & company details for verification I was put hold for 20 minutes only to be told they couldn't help and gave me another number. 

Not to bore you with this over and over, but this process has been repeated now 5 times, contacting different departments by phone and I have also secure emailed Chase 3 times but still no one will help. 

I really needed to pay the supplier so I did that from another of my business accounts and then asked Chase to cancel the wire ( which is for {$10000.00} ) but they will not. I was given a number to call again, where they told me they couldn't help me and after a further email I was referred to yet another department again. I don't think this will be resolved by normal means. I feel the only way is through a carefully constructed complaints process. From the tone of the phone calls I have been having I get the feeling my {$10000.00} may be gone forever unless I act outside of the bank system
In XX/XX/2018 I wrote to XXXX, XXXX and Equifax including some collection agencies that were on my credit report. In XX/XX/2018 I also submitted a complaint through the CFPB portal about some issues I was having with these bureaus and agencies. I however had gotten responses from the bureaus and these negatives that were impacting my credit report and scores were resolved and taken off my report. 
I was in the shock to see one of those negatives that were taken off my credit report reappearing on my report in XX/XX/2018 which is about 4 months after all this was cleared up. 
I am now seeing a reappearance of a collection on XXXX And Equifax in the name of a XXXX XXXX with an amount of {$620.00} and account # XXXX. I can not understand the return of this figure on my credit report with a totally different name that I am not aware of. 
I would like this inaccuracy to be cleared up and removed from my report as the negative report affected my credit scores dramatically and I would like to move forward.
XXXX breached contract against XXXX XXXX, thus patient not liable for XXXX fees.
The loans as followed are inaccurately still on my credit after over 7-8 years. I was placed on XXXX after I was diagnosed with several XXXX XXXX, as well as XXXX XXXX. I would like these immediately removed from my credit report. 

There are a total of 11 accounts that are reporting on my credit report. I 've listed them below based on the open dates. 

XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) These are all still on my report for no reason and some seem to be doubles of other ; Please remove these immediately. Thank you.
I looked anatomy credit report and saw numerous problems with it. I disputed information that was incorrect and not mine and it came back as verified but was not validated. I never had an account with this creditor and I do not owe this debt. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

XXXX XXXX  Opened XX/XX/XXXX {$590.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$7200.00}
Wells Fargo Home Mortgage - Loan ModificationDuring an economic downturn that resulted in a real estate market collapse, my family lost most of our income and was struggling to provide basic necessities for our XXXX children. My husband lost his business. It was a difficult time for us. It was difficult to get a modification done - very difficult. 

After a 3 year process of a continuous declines Wells Fargo offered my family a home modification agreement. This agreement was signed XX/XX/XXXXThe terms of the Loan Modification Agreement offered on XX/XX/XXXX was as follows ; 1. New amount payable under the Note is {$700000.00} 2. Interest Bearing Principal Balance {$570.00} based on the appraisal of the house. 3. Deferred Principal Balance {$120.00} 4. Forgiven Principle of $ XXXXOn XX/XX/XXXX we received a XXXX XXXX envelope with a letter included in this complain, that states : Wells Fargo discovered that they did not show us " clearly '' how they arrived at the new principal balance within Modification Agreement. 
They changed the Principal Balance to {$780.00}, XXXXWhich is {$77000.00} more than the modified principal under XX/XX/XXXX Agreement. 
This is unacceptable and deceitful. Please investigate. We will can not accept this new principal balance. Our income is limited and we are working hard to make payments and pay off our house. This increase is not justified as there is not basis for it. 
Included are the original modification and a letter / modification with enlarged balance.
Chase is discriminating against me and opened a brand new business credit card for me and then literally shut it down 1 week later. This is wrong. I have perfect credit. they approved this account, I did not even get a chance to use it and they closed it.
I was a victim of fraud last year and Chase is discriminating against me and closed down all of my cards due to ME BEING A VICTIM > this is illegal.
I have a bank account with JP Morgan Chase from which I sent a wire transfer to my aunt in XXXX XXXX of {XXXX}, this was on XXXX and was waiting at least a couple of days for the transfer to her, little did I realize when I tried to login to my account later on that Chase places a block on my account granted that I satisfied all the security measures online and verified the funds transfer. While attempting to login I thought I had my password wrong so I tried to reset it and that is when i found out that my account was blocked online so called Chase and after verifying all sorts of personal information over the phone and verifying to them that this transfer was made by me personally online htey transfered me to a security specialist as they stated to help me get access to my account online all I enocuntered was rejections to help me over the phone, the individual told me that I would have to go in person to the bank wich was not possible for me due to my work schedule, also the nearest bank to me is 6 - 7 miles from my home and I do n't have time during the week the only day I could go in person is on XXXX and I explaied to him the reason for the wire transfer as a humanitarian attemtp to help my aunt in P.R. not some third world county around the world. I hung up because I was not going anywhere with the guy, I called a few hours later when I got home just to have another session of security questions and meet with the same reuslt which also meant me that I ca n't access my account or my funds untill I go to a branch, today XXXX I went to the branch on XXXX XXXX in from of XXXX and found ot the bank is closed due to the holiday on XXXX which means that if I ca n't go to a branch untill I have the time to do so on XXXX this is going to put me two weeks without access to the account and the {XXXX} that I sent to my aunt in P.R. never went thorugh either.
Collector continues to call me at my workplace despite telling them XXXX times that I can not be contacted there.
Enhanced Recovery Co. Opened on XX/XX/2015 an entry to all three reporting agencies. I never recieved any correspondence requesting the validation of this debt. 
This is a violation of my consumer rights because I was unable to dispute this debt. 

http : XXXX My Identity was stolen. I did not have an account with them.
In XX/XX/XXXX, I initiated a transfer of my ACS college loans to XXXX XXXX under the Public Service Loan Forgiveness program. During that period of time, I initiated forbearence proceedings either ACS to ensure my loan stayed in good status until the transfer. In the period between XX/XX/XXXX and the time that the loan was transferred to XXXX XXXX in XX/XX/XXXX, ACS said my loan was 60 days late. I called them when I found out to get them to remove the ding from my credit, but they refused, stating I was late paying the loan.
Bank of America reported my account as charged off even if I paid my credit card every month. And I paid it off.
Previously disputed item from XXXX XXXX XXXX which has been deleted from XXXX, XXXX and transunion reappeared on my credit report. No notification is yet to be provided to me. No communication from the collection agency. They did not send any letter, so I do n't even have an account number so I can talk to them.
Im a victim of identity theft and the credit bureaus have not properly investigated my file and have not removed the items I addressed as a result of identity theft
Nationstar took XXXX as part of my last loan modification agreement and held it in an escrow account. I paid the remainder of my XXXX house payment of XXXX plus dollars and the amount added up to the total XXXX house payment. NationStar never advised me that the XXXX was going to be held in an escrow account and they refuse to use these monies for my house payment. XXXX persons I had spoken with during the month of XXXX noted to me that these monies would go to my house payment. I called them again today, XXXX XXXX, 2015 and was told these monies have been denied to go to my payment. I can not have mark on my credit file due to their dishonestly. They are stated they have the XXXX in a suspense account and the remainder of the house payment is in an escrow account because " they did n't know where else to put it ''. The loan modification process is also awful. Their customer service is awful and they have many persons in their customer service that refuse to give direct phone numbers to a manager. It took me over XXXX hour on the phone to speak with someone in another department and he spent another XXXX hour with me on the phone. At the end, he said I need to call back to their " loss mitigation department '' I know NationStar received federal $ $ for assisting with the housing crisis. I completely understand why a class action lawsuit was filed against them.
On XX/XX/XXXX I received an alert from XXXX indicating remarks updated on equifax credit report in regard to my XXXX Student account. This information keeps changing and as fast as my credit score increases immediately the information on my XXXX will change and now I've lost 25 points. These changes aren't being done by XXXX XXXX because I've called them and asked and they informed me because these accounts are included in Bankruptcy there is no reason for them to keep changing. They report it as included in bankruptcy and that is it. I've contacted my bankruptcy attorney as well and they said they dont have a reason or authority to add anything to my XXXX information. Lastly, I haven't nor do I have a reason to dispute this information because it is included in bankruptcy. Someone within the credit bureau keeps changing the remarks on these 9 accounts without me being the one initiating the changes. This will be the 3rd time information has changed on these 9 accounts that has caused my credit score to drop. This is wrong and when I call Equifax after speaking with XXXX XXXX and being instructed by the agent at XXXX XXXX to ask who initiated the dispute they could not provide me with that information. I want this to stop.