WillisBack/dataset-financial-user-claim huggingface dataset:
I settled this debt with American Finance. They updated it as a payment only and left the balance on the credit file. When I contacted them to pay it they said that if I paid by check it would take two weeks to update the bureaus but if I paid with a debit card, it would be updated by the end of that week. 

I paid the settlement on XX/XX/XXXX and on XX/XX/XXXX they only updated it as a payment. This is not correctly reflecting the status of this account on my bureau and therefore a violation of the Fair Credit Reporting Act.
On XXXX XXXX, 2015 I made a payment of {$130.00} through the automated system for my Dillard 's American Express credit card. The system prompted me asking would I like to use the current checking account information on file ending in, XXXX XXXX XXXX XXXX, used for the last payment. I stated yes, and the system asked me to hold while it processed the payment. I received a confirmation number afterward. In XXXX, 2015 I received a notification stating due to nonpayment my account had been closed. Unbeknownst to me I had not be contacted before this letter. I immediately called Dillard 's, they transfered me to a Wells Fargo representative, XXXX. He informed me, after reading my entire checking account number aloud, the system only captured the XXXX digits of the checking account number and the payment sent was returned. I informed him that this account has a five year non delinquency history, also the credit bureaus report that a history of my on time payments as XXXX of the things helping my FICO score, and based upon the information he provided reporting this as a delinquent account is inconsistent with my credit history. He informed me that this was a system error and could be fixed, however the account could not be open again. Nevertheless, to no avail over the course of three months I have disputed this matter with Dillard's/Wells FargoXXXX which I 've been told that I did not input information into the system correctly, although the payment was made through the automated system in which a confirmation was given ; also with each of the XXXX credit bureaus as well. I am appalled at the lack of responsibility Wells Fargo has taken in correcting a mistake made in their system.
Please read my attached hardship letter for more clarity and details. 
Original Balance : {$27000.00} Disbursement Date : XXXX/XXXX/2004 Balance after capitalization post default was over $ XXXX. 
Current balance 11 years later : {$34000.00} Rate : 9.5 % = Predatory Loan
My ex-husband and I filed for chapter  XXXX  bankruptcy in  XXXX   2013 .  XXXX   XXXX  credit cards were apart of the bankruptcy. However,  XXXX   XXXX  is still reported as a negative account and an open account on  XXXX  of the  XXXX  credit  reports.-    XXXX    and  XXXX  Additionally  ; my  report shows payments as being late even though the accounts were included in the bankruptcy. I filed dispute with all of the credit agencies regarding the fact I do not have an open  XXXX   XXXX  card and about the negative  XXXX   XXXX  card still showing up on my report with late payments being reported. The only success I had was the removal of the open  XXXX   XXXX  account with  XXXX  agency which was Experian. However, Experian still reports  XXXX   XXXX  as a negative account citing they verified the account which means I can no longer dispute it. The other  XXXX  agencies,   XXXX   and  XXXX , still report an open  XXXX   XXXX  account. I have called  XXXX   XXXX  and they say I do not have any accounts with them! I am at my wits end!
On XX/XX/2016 I verbally accepted an offer for a refinance from Homepointe Financial. The loan XXXX pre approved me for a XXXX % interest rate for a VA XXXX and per our phone conversation advised that my rate was locked and if it were to decrease in this process they would honor a lower rate. I signed all of my initial disclosures on XX/XX/2016 with the notary provided. On XXXX XXXX I was notified that my loan was approved and that were set to move forward to closing. I do unsigned the XXXX XXXX and redisclosures on XX/XX/2016 and XX/XX/2016 I reached out to the loan XXXX to advise that all docs were signed and did not get a response. On XXXX XXXX I called to find out why we have not closed yet, I left a message with the receptionist as well as on the XXXX voicemail. Later this same day I received a call back for an individual from the company advising me that my loan is unlockable and that we would not be closing. They offered me a refund on my late payment for my current mortgage and offered me an apology. I reached out to the XXXX and to a higher up XXXX and was told that my loan was indeed never locked as promised and offered no alternative to getting the loan closed.
Apparently there was an error when I tried to pay off my loan through Toyota Financial Services, but Toyota Financial is not reflecting the true payment due on its website because of an IT error. I still have the money in my bank account, and I am afraid I will not be able to pay it off and the account will accrue interest. I really have no idea what is going on or what to do. XXXX Toyota Financial, I have called them at least 8 times due to different errors, and at least half were not able to solve my problems. Only a resolution specialist will most likely solve them properly, but they are nigh on impossible to get to because the customer representatives are usually mediocre and/or have little control, so the resolution specialists are flooded with requests.
I contacted  XXXX  for student loan consolidation and forgiveness. I am not sure how DOAN SOLUTIONS got my information, but I was contacted by them to send in documentation to finalize my request. I sent in the documentation and gave them information to take  three ins tallment payments from my account, thinking they were part of  XXXX . I called  XXXX  to ensure all documentation had been received and check status of my consolidation. I was informed that they had not received any documentation or any payments. I was also informed that the services being offered were free and that I should not have been paying and that my student loans were in default. I am not sure how DOAN SOLUTIONS got involved with this process.
For the past year, I have been in correspondence with Pressler and Pressler regarding at XXXX account. Prior to bring sue ( unknowingly ) by this company, I provided proof that I have been collecting unemployment benefits since XXXX XXXX. I also sent then another company in XXXX XXXX. On XXXX, XXXX, XXXX, XXXX constable by the name of XXXX XXXX withdrawal funds in the amounts of {$890.00}, which is not the amount owed, from my account without my permission. This practice is against Federal and state of NJ laws when collected monies owed. I am currently on Welfare due to my unemployment benefits being exhausted. This company is refusing to reimburse my funds.
XXXXXXXX XXXX called to collect a debt I do not owe. They refused to understand it is not me who owes this debt and threatened to take me to court. I am XXXX and in a XXXX and find this XXXX and want them to stop calling. 

They call all the time but I answered this morning XXXX/XXXX/17 and she berated me and threatened me for a debt of over {$3000.00}. 

My daughter called them and spoke to them and told them to stop calling or she would contact their attorney and go after them for harassment as their actions are illegal, she says.
A loan mod package was sent to Wells Fargo Bank re entry department and general fax on XX/XX/XXXX.  See attached fax confirmation. WFB is refusing to review the file stating they did NOT get the documents in time. The sale date is set for XX/XX/XXXX. The documents were received XX/XX/XXXX. They  are stating that the sale date is too close to review the info. The inability of WFB to receive a simple facsimile or simply maintain a file is inexcusable. WFB claims it did not receive the info in time. However, not only did we timely send the information, but a successful fax confirmation was kept as a record. The 37 day time frame was met and yet WFB is still not reviewing the documents.

There is no valid reason as to why WFB is refusing to review the file. A complete modification package has been sitting in their institution and they are NOT providing a valid reason as to why they will NOT review the documents. The 37 day time frame is not the excuse when the documents were clearly there since XX/XX/XXXX. Between the misplacement of the financial documents and the poor communication from WFB, it is clear that WFB simply does not want to review Homeowners file for a possible work-out solution. WFB is denying her a workout request based on inaccurate information and refusing to take remedial steps to provide a qualified homeowner with a solution to save the home. By refusing to disclose details about the modification process, WFB is able to deny request at will without any accountability.. It is very apparent that WFB is discriminating against XXXX XXXX and her family based on their race, ethnicity, and national origin. The events described above are just a sample of the practices that are taking place at WFB. WFB appears to be more interested in foreclosing on her home and selling it at auction to make a profit. It appears that WFBs lack of participation in a meaningful modification review of her file indicates a preference to profit directly from her hardship. XXXX XXXX is demanding that WFB review her file.
I have sent several certified letters to Second Round Lp./ XXXX XXXX XXXX , disputing a debt that was placed on my credit report. A direct violation of 15 U.S. Code 1681s-2 ( b ). In XXXX of 2018 I contacted XXXX XXXX XXXX in regards to information placed on my credit report, requesting that the company furnishes documentation according to 15 USC 1692g ( 4 ) my last letter being sent on XX/XX/18 certified mail. As of XX/XX/2018 I have not ; on XX/XX/18 I received information that Second Round Lp/ XXXX XXXX XXXX has again reported information to the credit bureaus damaging my credit reputation. Second Round has closed an account, however has failed to delete it in accordance with 15 U.S. Code 1681s-2 ( b )  ; this company continues to violates me and FDCPA ; and its many laws. This is unacceptable to say in the least. I DEMAND THIS COMPANY DELETES THE INFORMATION THEY CONTINUE TO REPORT THAT IS NOT IN ACCORDANCE WITH THE LAW.
I received a promotional offer by email on X/X/2017 for opening a Citibank XXXX XXXX credit card. Promotion indicated I would receive XXXX miles in my XXXX XXXX account if I spent {$2000.00} in the first 3 months. I met the spending requirements but never received the XXXX pts in my XXXX XXXX account. After numerous phone calls to both XXXX XXXX & Citibank, I was informed I did n't meet eligibility requirements due to some technical details in the fine print. Apparently Citi has a method for determining eligibility. This should be factored in before sending the promotional offer ... and certainly again when the application was submitted before the card was issued. I never received notice I did n't meet requirements until I inquired 6 months after the credit card was issued. I find the practice extremely deceptive. After lack of resolution, I cancelled by Citibank credit card and will not conduct business with Citi unless this is remedied.
I applied for a HELOC in XXXX. I maintain a good on time payment with the exception of one late payment back in XXXX XXXX XXXX which was an oversight on my behave. However, I have always kept up with my account through online banking. Santander bank has never mailed me a statement to my current address.The issue started in late XXXX XXXX XXXX when i was unable to access my online account to make payment. The password was disabled where i discovered the account was locked. I proceeded by calling the bank to find out why my account was locked due to owing money to the saving account of {$55.00}. I never received a notice of this late payment by mail or an email on this matter not even a phone call. I paid the amount owed and matters became worst when i was told i owe {$1400.00} on my HELOC. I have paid XXXX payment and wondered how did i owe this much money. I was told my payment is XXXX each month. for XXXX and XXXX 's payment. I responded to the the customer rep. asking them on why i was n't notified. They claimed i was mailed the information. After questioning them further to find that did n't have my correct address on file. We updated the information and then they proceeded on when i going to pay this amount. I kindly responded in telling them i cant this entire amount. I applied at the time XXXX towards the amount and paid another XXXX later. I spoke to a member of the single point of contact to help in resolving this matter as well explained that i cant afford XXXX per month and that I 'm too far behind to catch up. I filled out a hardship form with documents to which i qualified for but have not received a call back or an email on this matter. I keep getting phone about payment and threatening me on foreclosure. As well posting these late payments on mt credit report to where i ca n't refinance to payoff if necessary. I still have not received an statement in the mail on this account.
Around XXXX XXXX, 2015 I went into the bank I usually go to, where I also go to XXXX. I then asked the representative to help me. XXXX helped me but then he said that my issue needed to be handled by a banker ; my banker XXXX. He then asked me to wait on the lobby, until XXXX was ready for me. Instead XXXX did not call me into her boot even though her boot was empty. Instead, she scurried in and out of her office several times to get XXXX to communicate with me instead of calling me into her office to speak directly to me. Almost three months went by. I did get XXXX calls from corporate to tell me that what I say is not true. Today, I went into the bank after making an ATM deposit. The representative from the XXXX booth to the left from the door, asked me if she could help me ; I do n't remember her name. I told her that I wanted to speak to the manager. She then tells me the manager is not in, and neither the assistant manager. She then tells me I can help you. I told her my story, but when I mentioned who discriminated on me, she gets out of her cubicle and tells me to leave and get out of the bank because I was making a scene. She called telling her my story making a scene. I waited for her to call someone to throw me out. She just went to the back of the bank and then came back and called a customer to her cubicle. I then asked the person at the XXXX cubicle next to her to help me. She yells out to him, do n't help her she is done here! He then tells me, he has an appointment. This is the excuse they were trying to make for XXXX, that she might have had an appointment. But then XXXX took the time to speak to the customers who were waiting, who came after me, but said nothing to me. The manager finally called me today XXXX/XXXX/15 at XXXX, but then at the end of the call, she tells me that if I do n't like the way I am being treated at her branch, that I should go to another branch. No wonder discriminations is main stream there, the employees cover up and protect, make excuses and deny for each other. I have emailed corporate, XXXX, and XXXX, but no one responds or mitigates my humiliation. I see that Chase has many legal law suites and many Chase hate websites, like XXXX. I see now why. There are so many complaints against Chase ; how shocking. I can see why, Chase adds fuel to the fire, instead of mitigating the complaints. Todays visit solidifies that if I had been a white person ; I would not have been treated this way. And having XXXX accounts with Chase, does not matter to Chase. I was very humiliated the first time ; however, today I have been deeply humiliated. I have been in XXXX California 60 years, and spent 29 years XXXX Count ; however, I never had these type of issues XXXX, but XXXX XXXX XXXX XXXX, it is a frequent occurrence, I am sad to say. Thank you.
Experian is reporting a Foreclosed mortgage. The property was foreclosed on and sold XXXX XXXX, XXXX ( see attached ). Therefore the Date of First Delinquency was no later than XXXX XXXX. This is reporting past the Federal Statute of Limitations in violation of The Fair Credit Reporting Act. The other XXXX bureaus have removed this. Experian needs to abide by the law as well.
CAPITAL ONE BANK has reported to the credit bureaus falls information for an account thats not even belong to me, and that cause my financial life a big damage
On X/XX/17, I went to https : //www.equifaxsecurity2017.comXXXX and Equifax confirmed to me that my information was compromised in their recent security breach. I am filing this complaint due to their failure of divulging my information without my consent.
I was notified by a mortgage broker there was a negative credit report from XXXX XXXX XXXX on my credit report. It stated there was an amount due for a charged off account, reported XXXX/XXXX/XXXX. 
I called XXXX, and was directed to a division that handled revolving credit accounts at XXXX. This department was unable to locate the account or me by my social security number. I then called XXXX and they have no record of any past due account. However, they had changed banks from XXXX XXXX to XXXX XXXX. 
I then sent a certified letter on XXXX/XXXX/XXXX to XXXX with account number, my name, social security number, address, phone number and email address. I requested to have someone contact me so I could verify this was my debt, and make payment arrangement. The letter was signed in acceptance at XXXX XXXX on XXXX/XXXX/XXXX. 
I have heard nothing in writing or via email from XXXX XXXX. 
When I called them, they could not find the account or me by social security number. 
I am requesting that XXXX contact me in 30 days to verify the validity of this account, and make available to me a way to pay for account. 
If they are unable to verify this account, I am requesting it is removed from all XXXX credit reporting agencies, and I am provided with a written notice of such. 
Thank you, XXXX XXXX XXXX
Equifax is reporting my balance incorrectly on my Equifax Credit Report. This error lowers my credit score and causes a denial of a student loan.
I contacted Transunion to request they remove all of the hard inquiries to my credit report since I did not request them. They refused. 
Below is the list of hard inquiries. Some of the hard inquires were on my credit report multiple times. 

XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX AND XXXX
yesterday i checked my credit report through XXXX and i found many incorrect informations about me as : 1- My first name 2- My last name 3- My mailing address so i contacted the XXXX '' which is credit report Agency to ask about this wrong informations they told me this informations has been added by : REMEX INC their phone number : XXXX XXXX XXXX their mailing address : XXXX XXXX XXXX XXXX, NJ XXXX -- -- -- -- -- -- -- - they added a collection account to my credit report for service which is i didnt use and i didnt ask for this service ( I didnt use or receive any services from this company the collection account number is : XXXX I didnt authorize them to do this to my credit report, i didnt give them my informations and it didnt use any service from this company before so : 1- I need to know who gived this informations to this agency 2- I need them to delete this incorrect informations from my credit report 3- kindly they have to get this collection account removed from my credit report unless i will have to show up in the court asking for XXXX for each incorrect information they added to my credit report without my autorization
I have requested Equifax to remove the hard Inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX EQIFAX XXXX XXXX XXXX XXXX XXXX GA XXXX REF : XXXX Date:XXXX To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following HARD credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX XXXX, XXXX 4. XXXX XXXX XXXX, XXXX 5. XXXX XXXX XXXX, XXXX 6. XXXX XXXX - I did not even try to buy a car? 
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 BANK XXXX, XXXX XXXX. EQUIFAX 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 XXXX XXXX XXXX, XXXX XXXX. XXXX BANK XXXX XXXX, XXXX These were No firm Offers of Credit Please remove these inquiries from my credit report immediately. I have enclosed a copy of my driver 's license as proof of identity. 

Sincerely, XXXX XXXX XXXX
Chase Bank XXXX XXXX in XXXX Utah : On XX/XX/XXXX or XX/XX/XXXX ( I can get the exact day ), the bank teller made a mistake when depositing a Chase Credit Card convenience check into my Chase Checking account. As a result, a single check was cashed twice and the check fees were applied twice. Chase quickly identified the problem but said they could do nothing to resolve it for 30 days. How can a bank be allowed to negatively impact the financial situation of a consumer once they have acknowledged and error. They made the mistake in 1 day, why can't they be held accountable to correct the problem in a day. 

I have spoken with the branch manager regarding this issue and she has not been able to correct the problem at Chase although she fully acknowledges the problem ( the branch manager name is  XXXX and her direct phone number is XXXX. I also left voicemail with her manager ( XXXX ) and spent 52 minutes on the phone with Chase Credit Card services. All of them indicated i'd have  to wait 30 days before they could correct their problem. In the meantime my credit has dropped 27 points and I can not qualify for optimal financing on a Condo loan I was in the process of submitting.

It would be wonderful if CFPB could hold these large banking organizations accountable for such poor behavior. 

Respectfully, XXXX XXXX
I tried to register With XXXX They said that my mobile telephone number is already registered to an account. I asked them to close that account. They require that I provide them with the email address used to open the account. I have no idea. I control the telephone number and I want it used exclusively for my personal account.