WillisBack/dataset-financial-user-claim huggingface dataset:
I refinanced my home to get away from Bank of America due to their poor customer service ( previous complaint filed by me through this service ). Due to the processing time with closing, I went ahead & made a payment to avoid any 30 day late reporting to the credit bureaus. Payment would have been received by BofA on or about XXXX XXXX. I called on XXXX XXXX to make sure they had received the payment and asked when my refund would be processed ( the XXXX payment plus some escrow balance ). They originally advised with would take a couple of weeks but I was able to get someone to get special authorization to release the escrow funds early and the check ( in excess of {$1100.00} ) was supposed to be processed and mailed to me the week of the XXXX. I phone BofA this morning to find out what date my check had shipped and was told it was made out to the wrong payee ( XXXX with BofA admitted the payee had absolutely XXXX connection to my account and it was not a business name that I recognized ) and so now the delay was waiting for those funds to be redeposited into my " account '' so they could issue the check to me properly. I asked if that was going to be done immediately and overnighted to me because they were not paying me any interest on my money that they are now holding without my permission yet I am paying interest on it elsewhere. XXXX was going to try to get it expedited and was going to see if perhaps it could be overnighted to me but that it might still take 3-5 business days.
On XXXX XXXX, 2015 I reported XXXX false addresses that appeared on my deceased mother 's ( XXXX XXXX XXXX ) credit report. I wish to have these XXXX addresses removed. 
Former XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX of Deceased Consumer
Dear Consumer Financial Protection Bureau, Please review the attached letter that details the issue with XXXX XXXX XXXX and XXXX. 

I disputed the account showing up on my credit report at beginning on XX/XX/2018. I received the attached response from XXXX XXXX XXXX On XX/XX/XXXX. 

Please help resolve this issue. 

Thank you, XXXX XXXX
Chase receivables collection agency of XXXX California sent information to credit bureaus stating that I owe {$82.00} to a medical institution. Problem I was never notified by the medical institution or chase receivables that I owe this money. Credit bureaus reporting that collection was opened since XXXX of XXXX. Problem is nobody sent me a notice or warning of such actions and now it 's on my credit report as of XXXX XXXX and my credit score went down by XXXX pts. When I tried to contact chase receivables they stated that I need an account # for them to know what debt I was calling about. So basically when I gave my name and address they could n't find me in their system but somehow they reported me to credit bureaus stating that I owe money. This is unfair and it is fraud! And now I am stuck because I ca n't get nowhere with collection agency and credit bureaus will not remove from credit report until XXXX! This is consumer ripoff.
Bank advertised a promotion to encourage direct deposit and account opening - KeyBank. The promotion provided you a {$200.00} reward if the deposit requirements were met. I did meet these requirements and received the {$200.00} in my account. The issue is that now I have also received an interest income statement for the {$200.00} which was not disclosed in any of the advertisements for this promotion. This after the fact disclosure where I now have to report {$200.00} in interest ( my account APR along with the amount I deposited would not have even come close to yielding this amount of interest ) income for the tax year. I believe the company demonstrated an unethical promotion and failed to disclose all the terms. I had spoken with several associates about the terms of this account early on after opening and was given incorrect information about when the deposit would be made, and when I had to fulfill the requirements which ended up being elevated allowing me to speak with a manager. I was also unable to have excessive fees waived for a transaction as small as {$1.00} which overdrew my account {$.00} cents for which I was charged at total of {$67.00}. The notice of overdraft was sent to me days after the transaction posted so I did not even receive ample notice to remedy. There were plenty of opportunity during these conversations for the disclosure about the interest statement to be made but it was never disclosed even by the manager to whom I spoke about my initial elevated issue on the incorrect information about the terms. The failure to disclose this important fact is unethical is not reflective of what I would consider fair practice around disclosures and excessive fees. Do not open any accounts with KeyBank no matter what the promotion. Fees are excessive and you will receive an XXXX for the payment although it is not income. Deceptive and unfair.
Transunion credit reporting agency is reporting addresses that have never belonged to me or I never resided at. The only address I have stayed is is my permanent address of XXXX XXXX XXXX XXXX TX XXXX
To who m it may conc ern Good day i have a ongoing situation from  XXXX  of  2017  going on with Experian they refuse to delete collections off my report they keep returning as factual when i dispute them that is not fair to a person who is going thru identity theft i sent letter to them on  XXXX   XXXX ,  2017  as Certified mail and copy of my police report and i just keep getting the same response i also send letters to the collection companys and no reply how do you all verify this debt and i havent recieve no validation, this is preventing me to establish credit. And had to place a security freeze and fraud alert on my Credit Report The collections are :  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   ( They are   XXXX   )  XXXX    XXXX   XXXX   Hard Inquirie is on there that i did not give no permission to run my report company name  XXXX   XXXX   XXXX .
FedLoan Servicing refuses to accept payments on weekends. Why? On what legal authority to they rely in order to the limit the days on which borrowers may repay their loan. No other legitimate creditors employ this unlawful and usurious practice.
I was made aware of a false collection report that appeared on my Credit Report through XXXX XXXX. I opened up a dispute to the claim, but feel there are more important questions for an oversight entity to find out and get answers. First question, how does a debt collection agency add an item to someone 's report without having proof of debt, and second question, what proof of debt is required to add such item ( SSN, their say so, or a contract with my authentic and original signature )? According to this occurrence, there is nothing in place to prevent these types of bogus claims being reported on somebody 's credit report to protect the consumer, which is what the CFPB is supposed to be protecting and overseeing the Credit Reporting Bureaus, and making sure they are reporting the most accurate information available. If the appropriate information is not available, then it should not be added. I would also like to know what is deemed as " appropriate information '' would be needed to add such a claim to a credit report.
Equifax mishandled personal information, which puts me and thousands of other at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.
XXXX XXXX and Transunion continues to PARROT unverified inaccurate information on my CRs they maintain. On this date XXXX XX/XX/2018. XXXX   and XXXX updated my CR re-investigation as verified while these 2 letters sent to me by XXXXXXXX XXXX on XXXX XX/XX/2018 validates my point that XXXX XXXX CAN NOT or WILL NOT provide CONTRACTS BEARING MY SIGNATURE obligating me to pay the debt and is requesting additional information from me. I HAVE NOT CONTACTED XXXXXXXX XXXX REQUESTING A FRAUD INVESTIGATION. XXXXXXXX XXXX is attempting obtain information from me to verify accounts that DONT belong to me. As of XXXX XX/XX/2018 XXXX XXXX and Transunion continues to PARROT unverified inaccurate information from XXXXXXXX XXXX violating FCRA guidelines on fair reporting of consumers information. XXXX XXXX and Transunion has NOT sent requested information provided to their companies by XXXXXXXX XXXX that they use to continue verifying my CR.
To whom i t may con cern, I mailed a M ultiple Inquiry Removal Letter o n   XXXX   XXXX   XXXX     by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on   XXXX   XXXX   XXXX     and they completed the request on   XXXX   XXXX   XXXX    . The request that I submitted included  XXXX  Hard Inquiries on my  XXXX  report,  XXXX  hard inquiries on my  XXXX  report and  XXXX  hard inquiries on my Transunion report that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules , FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 6 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
I had been accruing a lot of fees on my account, like several a day. After speaking with numerous managers they agreed to waive MOST of the fees XX/XX/2016. I explained that I wanted to turn overdraft protection off and have my card to decline when there is n't enough funds available on my card. Somehow, during the conversation with the bank representative, I was enrolled into debit card coverage which in turn, created the same issue I was trying to avoid. Just recently I 've been charged with XXXX insufficient funds fees and they are refusing to waive them. This creates so much debt for me and that money I needed to pay bills which is going to put me behind. I 'm not even sure of how to resolve this.
I got a loan from a company called prosper. I got approved on line for the amount of {$10000.00} they charge me {$500.00} fee for the application fee they send the money in 5 days. I had to make a payment of {$430.00} for the next 36 months. I realize they are charging me over 30 % to 35 % in interest so I sign up with debt consolidation name XXXX XXXX XXXX XXXX hoping they can negotiate on my behalf prosper refuse to bring my rate down and they said they dont work with debt consolidation company and I have no choice but to pay the % 35 rate. They have also ruin my credit report and put on delinquent account. They never send a monthly statement I didnt know how much interest they were charging I was under impression that it was 11.99 percent. I am trying to find out what is the maximum interest they can charge me. I know the state of Maryland is 29.99 % the company address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. My account number with them is XXXX.
I have been in contact with XXXX who has been amazing and easy to speak with. As you are probably aware, XXXX is refusing to work with 3rd parties and don't want to give up the title for the XXXX XXXX XXXX. XXXX told me they sent you guys a check for {$28000.00} for it. The issue is, I have already made 3 payments with XXXX XXXX XXXX XXXX. The problem is XXXX  won't give up the title, and XXXX won't allow the loan to be unwound.
XXXX XXXX CC ( MYLIFE ) XXXX PAID OFF XXXX OUT.
I am filing a complaint against Equifax for their continued willful and negligent noncompliance to fix erroneous information on my credit report. Despite three written request, Equifax remained uncooperative only responding to one of my requests and disregarding the other two. Also the response sent was a letter stating the disputed inaccurate accounts were " verified '' with no documentation to support the method of verification or accuracy of those accounts. The FCRA law is clear regarding my rights on how a CRA is supposed to investigate a dispute within 30-45 DAYS, which Equifax failed to do. This has caused me great credit damage because I have been denied credit on numerous occasions and been charged high interest rates due to the incorrect information on my file. I hope this matter can be resolved as soon as possible.
XX/XX/XXXX called about inquiries that were never authorized by me. Was told that they were matter of fact and the creditors had to remove them. Called creditors and was informed that the specific credit bureau would have to remove them. Submitted proper documentation that it was in fact not authorized by me to said bureau. 
XX/XX/XXXX called to follow up was told no record of reports and documentation was on file and that inquires was matter of fact by creditors and I wouldnt be able to be helped until I resubmit documentation.
On XX/XX/XXXX I was flagged on XXXX XXXX that I tried opening an XXXX card through XXXX. I had not done this. So I immediately called XXXX and explained the situation. They said it was denied and they would send it to their fraud department. My next error was thinking that maybe someone transposed a couple numbers and I shrugged it off. After all they said they would send it to their fraud Dept. On XX/XX/XXXX the same thing happened. So I again immediately called XXXX. They told me the same things as the first time. I said why is the first hard inquiry still on my credit. I was told it could take 90 days for it to be removed and they had sent the first request to the credit bureaus. So my next step was contacting TransUnion. They told me that it does not take 90 days, that it would only take 5 or 6 days once the request was received, however they had never gotten a request. Now at this point I was steaming. The gentleman at TransUnion told me to call back XXXX and ask them to send me a letter requesting it be removed. He gave me a fax where I could send it to have the hard inquiries removed. I called XXXX and demanded they send the letter to me. After some hemming and hawing the woman agreed. Said I would get it within 7 days. What I got was " NOT '' the request to remove it. So I again called XXXX and told them I wanted the letter that they said they would normally send to the credit bureaus sent to me. She did n't want to do this, so I got very abrupt and told her I demanded they do this because it was bringing my credit scores down. She finally agreed and said I would get it within 7 days. It 's now been two and a half weeks and no letter has come. I am so angry because my TransUnion score just went down again because now the second hard inquiry is there. Please someone help me with this. I have put a freeze on all three credit bureaus but I should not have to deal with this nonsense. XXXX is in no way concerned about this and it 's fraud.
Over a year and a half ago we started the process of buying a home. Our mortgage guy sent us to a credit repair co. They got the collection account from Weltman , Weinberg & Reis taken off my credit, because it was unverifiable. Now it is back on my credit. I have credit reports showing the trade line on and then off and now today it is currently on my report. When I called to verify the account with WW & R they sent me a heavily redacted letter verifying absolutely nothing. I would like this unverifiable account taken off my credit and removed permanently. This should not be a loan I have to pay for if there is no verification that it is my debt. Attached are the credit reports and the letter of verification that was sent to me.
I had a outstanding credit card debt with XXXX XXXX. I was contacted by Northland Group XXXX debt collection agency ). I agreed to pay XXXX payments of XXXX to settle the acoustic in full. Upon settlement I was to receive a release from debt letter and upon settlement a deletion letter to credit bureau. As if account never existed. No adverse credit on report. Over two years later after I paid in good faith. Still on credit report terms of settlement not followed as promised. Contacted XXXX XXXX and Northland to no results
Zwicker and Associates dropped off paperwork to my significant other, handing him a copy of the legal filing - unsealed, unstapled, and completely visible. In doing so, they disclosed this filing to my significant other, potentially in an attempt to embarrass and pressure me. This disclosure is illegal and should be addressed.
I have notified this company, and have gave them signed affidavit, advising them that this is not my account.
I received my fico score today XXXX/XXXX/XXXX, showing I have delinquent accounts on my account that are way over due and I had a XXXX credit score and they dropped it down to XXXX. Since my claim my score has continually risen. I have not taken any loans out or have any delinquent or late payments on anything. I called the credit bureaus and received continuous robots telling me to buy my report. I want this investigated because it is n't true and I want this removed what ever it is. I believe this is in retaliation.
A few years ago I had loss my job and I was unable to pay my loan. Navy Federal allowed me to defer XXXX payments, but did not disclose that by deferring the payment changed the terms of the loan making it a balloon payment at the end. I also did not get any disclosures about the per diem charges on late payments on top of the late fee. This is predatory lending by them failing to disclose the information in a timely matter ( before I decided to get the loan with them or defer the payment )
I disputed a bankruptcy on my credit report with TransUnion and It came back verified as accurate. I requested their method of verification, which I am entitled to under the Fair Credit Reporting Act section 611. I received a generic letter in response. I called and requested the method of verification again and was told by a rep and a supervisor that they can not send it to me. This is a clear violation of my rights under the law however the supervisor maintained that TransUnion did not have to provide me with that information.
I have sent a letter regarding identity theft and disputing the following accounts and I have yet to hear back from the credit bureau.
I am a victim of identity theft and have included a police report with this dispute. Items I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
We have a complaint against Green Tree Mortgage Co. ( now Ditech ) We should not have been charged {$18.00} per day interest from XX/XX/XXXX to XX/XX/XXXX while the title company and Green Tree were trying to figure out who was responsible for the delay in actual pay off date. We should not be held accountable for that mis-communication.
I have been disputing a few items on ALL three credit reports and each time the reporting agencies would send back letters stating the information has been verified. When I, would send these companies letters asking how was the info. verified? I have a collection that is reporting to ALL three agencies by the name of XXXX XXXX. It ALWAYS comes back verified and when I, ask this company for the same information, never received it from the Creditor ( XXXX XXXX ) or the collection agency XXXX. I have sent these three agencies letters asking for them to show me that information that they received to that verified this item but was never supplied it. From XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I, have documents showing me asking can they investigate this item and prove 100 % that it is true and accurate to be on my reports. This is a violation of the, Credit Bureaus has violated my rights of the FCRA Sec. 604 a, 3. also by not correcting or refusing to do a full investigation after explaining XXXX has different status as to closed acct. and open acct. and had not been properly validated and still was able to be reported to ALL of these reporting agencies.
I am filing this complaint because Experian has ignored my request to provide me the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they required to* promptly delete all information which can not be verified * that I have disputed. Please resolve this manner as soon as possible. Thank you
I received notice from Florida XXXX XXXX/Dovenmuehle mortgage that my loan was being transferred to them for servicing effective XXXX/XXXX/2016 and that my present service provider ( XXXX ) would no longer accept payments. So I stopped payment to XXXX ( cost {$25.00} ) and sent a new mortgage payment to XXXX/Dovenmuehle. When I called a week later to follow up on it, XXXX/Dovenmuehle HAS NO RECORD OF MY NEW ACCOUNT NUMBER!! Even though they printed it on the very letter they sent me. Then, customer service tells me that it will probably take them another week to establish my account! Are you serious? They assigned an account number in the late notice they sent to me but do n't have it set up?? WTH?
My Equifax credit report dated XX/XX/18 shows the following information : BANKRUPTCY : DISCHARGED XXXX Filing Date XX/XX/XXXX BANKRUPTCY : DISCHARGED XXXX Filing Date XX/XX/XXXX This  information is incorrect and and letter back from Equifax states this has been verified. Equifax did not send me information with copies of any documentation associated with this bankruptcy bearing my signature.
Account Date Open XXXX SERVICES XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Whenever a third party accesses your credit report, a notation referencing that action termed an " inquiry '' is made on your credit report. Unfortunately, the presence of inquiries may negatively impact your credit score. The more inquiries present, the faster your credit score may drop. 
Close XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2017  XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX via XXXX XX/XX/2017 XXXX XXXX   XXXX via XXXXXX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX   XXXX XXXX via XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017
Caine & Weiner has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Subject : XXXX XXXX XXXX Account : XXXX Amount : {$240.00} The collection agency has not provided proper validation of the debt. XXXX   and TransUnion merely sent me printouts of the debt amount as reported by XXXX but never addressed the issue if insufficient credit validation, how the debt collector came up with the amount. The debt collector sent me mere copies of computer print outs and print outs of old statements that show different amounts, amounts much lower than what they reported I owe. I believe Ive paid all the bills I owe to the original creditor. 

How can two old statements with differing amounts with different dates from the reported first delinquency be taken as validations? Mere computer print outs nor old statement print outs are not sufficient validation. Im bringing this to your attention in the hopes we can avoid expensive litigation. I will, however, fight for my rights if need be.