WillisBack/dataset-financial-user-claim huggingface dataset:
False debt was re-inserted onto my credit report and failed to notify me within XXXX business days.
I signed up for  a TD Bank acco unt for their {$300.00} deposit bonus. I completed the required steps to receive the bonus, and then after the deadline for the requirements they decided to tell me that I did meet them, even though the transactions in the account clearly showed that I did. I could have had this money invested earning interest but instead these crooks got to earn free interest on my money then deny me the bonus that was promised.
Discovers new TV is misleading and using XXXX  toys to promote credit to XXXX  year olds. The ad should be pulled.

XXXX XXXX XXXX XXXX
Bayview XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX I fully expect Bayview to issue their standard Sorry but you are lying response. That is the response we receive on every CFPB complaint we file against Bayview. Well, I have read many other CFPB complaints against Bayview and they all have a common theme FRAUD AND ABUSE. I am sure those complainants also receive the Sorry but you are lying response. That seems to be their standard form letter in response to CFPB Complaints. How could it be possible that all of these unrelated people from all over the country would be lying?? The fraud committed by BAYVIEW does not just happen once in a while. It happens on a very large percentage of short sales across the country. We have witnessed this on a daily basis for the last 10 years. When is the CFPB going to step in and do something about the fraud going on at BAYVIEW? When is the CFPB going to hold BAYVIEW accountable? IF I DID WHAT THEY ARE DOING I WOULD BE IN JAIL FOR A LONG LONG TIME! 


Short Sale was started XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX we were countered to XXXX. On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX we submitted a Contractors Bid, photos, and market comps in response to the counter offer. 


On XXXX/XXXX/XXXX the appraiser revised his appraisal to $ XXXX. 

On XXXX/XXXX/XXXX we submitted a revised offer of $ XXXX On XXXX we were told by XXXX XXXX the file was denied based on " fair market value '' of XXXX, and the minimum net needed to be 83 % of this fair market value. ( Which our XXXX offer does meet this minimum net. ) XXXX XXXX LIED about the value of this property ON A RECORDED LINE. 


WHAT HAPPENED to the revised appraisal? 

WHY are we being denied even though our offer does meet their minimum net? ( our offer is actually much higher than their minimum net. ) This is the 2nd Time XXXX XXXX has XXXX up on this file regarding values. Her mistakes are causing significant delays. ( which is harming their investor, our community, and the estate that has taken over this property.. values in XXXX XXXX have been dropping for the last three months. ). It is obvious she is overworked - and that means BAYVIEW does not have appropriate number of staffing to be able to service their files according the servicing guidelines set forth by the CFPB. 



I want Bayview held accountable for the lack of staffing needed to do their job-for which they get paid of servicing their files. Bayview has no interest in following the laws and guidelines set forth by the CFPB. They dont care how their files are handled they only want to put forth the least amount of effort into fulfilling their obligations.
On Thursday XX/XX/2017 I initiated a wire transfer with Bank of America to a XXXX bank. By the next day, I received a confirmation email saying transfer successful. By Monday XX/XX/2017, the funds had not reached the recipient. By Tuesday XX/XX/2017 I painstakingly initiated a recall on the lost funds. I was first told I would have to pay {$45.00} for BOA to locate the money that they lost themselves. This was then waived. It has been 3 weeks since this recall was initiated, I have had no contact from bank of america. I am now being told that if they can not find the money, they will not refund the money to me, that I will simply have lost {$3000.00}. This feels like theft, except that there is no one to report this robbery to!
Today is XX/XX/XXXX and since XXXX I have disputing with Equifax that my credit report was incorrect and that the information on it needed to be corrected and placed back on my credit report. I had fraud on my credit and I notified the police and the three credit bureaus and Equifax is the only bureau to date that still hasn't fixed this error. 
I have had two credit cards with XXXX XXXX one since XX/XX/XXXX and the other since XX/XX/XXXX both accounts were NEVER to be deleted or closed. Equifax claims that they received a letter from XXXX XXXX that stated they needed to close and delete these two accounts. Well I contacted XXXX XXXX and they told me that they never sent anything nor did they close my two accounts and that they both are in good standing and that they have reporting to the three bureaus monthly since I opened the two accounts. So I called tEquifax back and asked to speak to a supervisor and explained everything I was told that XXXX XXXX requested these be closed and we did it and there isn't anything that could be done. I spent week after week calling to get someone to give me a different direction to go in and finally in the beginning of XXXX after calling and mailing out reports and back proving these accounts belonged to me I spoke to a supervisor whom informed me to have XXXX XXXX call the business department. So I did and the supervisor from XXXX  XXXX called the business department while I was on hold with her and they told her that they rejected the request but NO ONE form Equifax notified XXXX XXXX nor myself to let us know this had happen. Now the supervisor form XXXX XXXX states to the business department that these accounts are active and our customer has both cards what should she do to correct this issue, she was told that she needed to have me reach out to the consumer department and let them know these are infact my cards. 
So after she gets off the phone with the business department and tells me what they said I was XXXX. So i got off the phone and called the business department myself and the person that answered the phone told me they can't speak to me as I am not the business, I asked her to hear me out so she did while I was explaining the issue from XXXX till now she tells me i believe you because this story sounds just like the story I just heard on a previous conversation. I told her so what can be done because NO ONE will correct this. She tells me to have XXXX XXXX call back and ask for her and they will work on it. So I did the XXXX  XXXX supervisor called and sent over TWO accounts to Equifax that needed to be reinserted and as of XX/XX/XXXX Equifax has only put one of my accounts back on my credit report. So I would like someone to MAKE EQUIFAX correct my report once and for all and update my credit score as it is INCORRECT. I am tired of disputing the same thing over and over again.
Well I got one account on Experian from XXXX XXXX XXXX for XXXX dollar that account is no mine also I got another account on XXXX for XXXX that account is no mine I try to contact the credit agency for months and they still claim that information is mine I nedd that remove from my credit file ASAP
Public notices, There is an innacurate lien reported on my account. I HAVE NO LIENS ON MY CREDIT REPORTS.
Kohls/CapOne XXXX The basis for my dispute is ALLEGED - was required to notify me prior to XX/XX/XXXX, or no later than 30 days after Kohls/CapOnefailed to notify  me about reporting derogatory info. to XXXX, XXXX, and XXXX 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 XX/XX/XXXX, 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 by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, Kohls/CapOne '' 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 ) Kohls/CapOne 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 Kohls/CapOne 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 ( Tex.AppXXXX XXXX XXXX reh.den. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX writ dism 'd w.o.j. )
Have made 9+ disputes ( since XXXX XXXX XXXX XXXX ) with Experian on credit card account with XXXX ending with XXXX. Experian refuses to fix inaccuracies reporting charged off account payment status as late since XXXX XXXX XXXX. XXXX XXXX account charged off XXXX XXXX. Representative stated its Experian right to set policies regarding how charged off credit card accounts are reported. Requested copy of Experian policy regarding reporting of charged-off credit card accounts placed on hold 20+ minutes.
XXXX XXXX XXXX This account has never been late ... grave errorsfalse claims and reportingI want the late payments on this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation and names of verifiers associated with this account. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.
I have tried multiple times calling and mailing XXXX, exeperian and XXXX asking them to remove inquiries that I did not validate even after directly contacting the companies who the inquires were with. Neither the company nor the 3 bureaus would remove the non account holding inquiries. I have been trying off and on for two years to get this resolved.
I have inquiries on my credit that do not belong to me and I have disputed these multiple times with the credit bureaus ( Equifax XXXX ). I submitted a police report, FTC report and letter 3 times and they refuse to remove these in violation of section XXXX. Under this section, all disputed account must be blocked within 4 business days and require a full investigation. I have never disputed these inquiries before ; therefore, they can not be considered frivolous. This is my last resort before I send an intent to sue. I am a victim of identity theft and these inquiries are the result of someone else using my information. 

Here is a list of the Companies and dates of the inquiries : XXXX XX/XX/XXXX XXXX XX/XX/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/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 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 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 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 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/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 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 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 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/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 XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
HiIn 2013 I filled a complaint against GMAC Mortgage, regarding the national mortgage settlement. I explained that this loan should qualify for the national mortgage settlement. GMAC respond was that it does not. 
I have proof that this loan should have qualified for the national mortgage settlement and GMAC should honor it.
CFPB team please review Citibank issued Credit card ( Citi Premier Card ) I was recently found out that my credit card transactions were coming up declined and after calling the customer service I found out that Citibank has decided to close my credit card on XX/XX/2018 It is understood that Citibank has right to close my credit card but with a notice of upcoming closure. They should have given me few days to redeem my rewards that I have legal right to earn as per your terms and conditions across all these years I have had service. In-fact I have payed membership fees and accumulated thousands of dollars of charges on the account for which Citibank has charged credit card fees from each merchant I have used. My annual fees was {$95.00} I paid on that account that has not been refunded. 
I called customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018. They are not ready to help. 
I have my rights to redeem my rewards back for each one of these cards : Citi PremierSM Card Ending with XXXX XXXX Points that were earned for purchases I had made until XX/XX/2018. 
I send a letter to Escalation customer service and the citibank via USPS mail on XX/XX/2018. There was no response received. I had requested XXXX points on my account to be redeemed for Homedepot Gift Cards of {$750.00} or Cash Card. 
+ {$180.00} credit sitting on the account for overpayment of funds Citicards pulled from my local XXXX bank. 

It is unjust and unethical for Citibank/Citicards to forfeit my points i collected for past 5 years paying annual fees to the bank. 
I am looking for a legal decision to be held against Citibank to make these unjust decisions and stealing my benefits. 

Regards, XXXX XXXX XXXX
In XXXX XXXX, I was contacted by my current mortgage company, PHH Mortgage, asking if I would be interested in refinancing my home with a HARP loan. I was and we began the process immediately. Everything they asked me for was provided to them in 24 hours or less and I have the documentation to prove that. However, it is currently XXXX XXXX and my refinance is still not completed. This is Month 7 of this process. I complained to the supervisor of the individual once and she apologized. Several months later, I contacted her a second time and asked that the individual handling my refinance be removed and replaced with someone else, but she refused to respond to my email and voicemail messages I sent/left for her. I am completely devastated by this whole process. I could have gone with several other lenders, but chose to stay with PHH since they are my current mortgage company. I have spoken with many friends and family members and they are baffled by this length of time, and every single one of them chalk it up to incompetence. Please help me. I want to file a complaint.
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are 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 have contacted the bureau and the company Chrysler Capital on several time.. I have not been late on my payment. They are presently hurt my credit reporting this information inaccurate.
I try to submit a payment online to acs ( https : //www.acs-education.com/CS/Jsp/general/home.jsp ) and the website constantly fails. There is no one to speak to, and I can not email someone my complaint about their website. When I try to contact the original servicer of the loan XXXX they inform me they can not help. Meanwhile, I might get assessed late fees because I can not make a payment.
I opened a new savings and checking account using a promotion that I received in the mail the last day of XX/XX/XXXX. For the savings account, I was supposed to receive a {$200.00} bonus if I deposited {$10000.00} and maintained that for three months. On XX/XX/XXXX, after the trial deposits were confirmed, I moved the funds over as I was instructed to. On XX/XX/XXXX, I was charged an unexpected service fee on the saving account ; however, I then deposited extra funds to maintain the average daily balance of {$10000.00}. 

I contacted the customer service line twice. The first time I was told that after the three months, it sometimes takes a statement cycle or two for it to show up. On XX/XX/XXXX, I again contacted customer service and was told that I would have needed to deposit the {$10000.00} on the day it was opened. When I told them that the banker had said that as long as I transferred the funds shortly after the account opening date ( the trial deposits were confirmed on XXXX and I transferred the funds on XXXX ), it wouldn't be a problem. I was then told by customer service that I would need to directly contact the banker who opened the account for me at the branch. That same day I emailed the banker, XXXX XXXX, and provided the information above. XXXX XXXX almost immediately replied that he would work on getting this resolved. That email from XXXX XXXX on XX/XX/XXXX was the last time I heard from him. I have followed up on XX/XX/XXXX and XX/XX/XXXX, and I have not yet received a response. 

The balance in the account remains over {$10000.00} as of XX/XX/XXXX. XXXX XXXX stated that they needed to keep the copy of the promotion mailer for the file, so I no longer have it in my possession.
This complaint is against TransUnion Credit Bureau and related to complaint # XXXX. TransUnion is reporting from my mortgage servicing company XXXX XXXX XXXX a Derogatory status. This is inaccurate and seriously wrong status. My loan has never been delinquent or not in current status with XXXX XXXX XXXX. I have submitted documentation with complaint XXXX. This inaccurate status has impacted my credit report and caused me harm. Additionally, it is violation of the CFPB laws.
To whom it may concern.. 
My name is XXXX XXXX and I am a victim of identity theft. As a result of XXXX XXXX XXXX data breach which occurred in late XX/XX/XXXX, my personal information, including SSN, were compromised and fraudulent access was gained to my JP Morgan Chase bank account. In additional to other fraud with this checking account which has been resolved, {$30000.00} was taken from my bank account. I notified JPM Chase within a week of the fraud but they are saying that, because I did not close and reopen the checking account after my previous existing account fraud, they are refusing to refund the money stolen from my account. This is not something I was ever told to do and, honestly, seems like a protective measure they should have proactively done for me in the first place to prevent further fraud. I have requested they listen to the calls to see whether I was even told to do this but do not know whether they are doing this for me. Furthermore, they are stating the $ XXXX was taken out more than 60 days after the time the previous fraud was reported to them but, from my perspective, these are separate incidents with separate time frames. 
We have followed the proper procedures in disputing with JPM Chase bank and they have been unhelpful thus far. I have spent countless hours, fruitlessly, attempting to retrieve my money that they allowed to be stolen. I have sought the assistance of Detective XXXX XXXX at XXXX Police Department in New Jersey, who said he would subpoena the phone and ticket records from Chase, but he has not returned any of my multiple attempts for follow up. 
Below are the series of events : XX/XX/XXXX First unresolved fraudulent charges withdrawn from my Checking account XX/XX/XXXX Identified the fraudulent charges and notified JPM Chase XX/XX/XXXX Received the official claim forms from Chase. Signed and dated the same day and faxed back to Chase XX/XX/XXXX Received first letter from Chase bank denying the claim XXXX I called Chase to reconsider the denied claim. They said they would reconsider. 
XX/XX/XXXX Received another letter from Chase saying the disputed transactions would remain on the account and the claim was denied. 
Between then and now I have spoken to Chase many times without resolution Because JPM Chase bank is not following their own regulations for fraud resolution for money taken from an existing account, and my local police have been unhelpful so far I am seeking assistance from your organization.
I moved my home and transferred my service for XXXX XXXX and XXXX XXXX internet services in XXXX of XXXX. I had ongoing billing problems with XXXX XXXX for the next 8 months. I spent no less than XXXX HOURS of my time on the phone and online trying to get them to remove their billing mistakes on the old accounts. I was told that I had paid in full and thought my accounts were correct. I am still a current customer. I have had continuous service with both companies. 
Recently the company sent me to a collection agency in the amount of {$710.00} without making any attempt to notify me first. I have disputed these incorrect charges with all three major credit reporting agencies. 

I refuse to spend more time contacting XXXX XXXX billing department. They were able to keep turning off my XXXX XXXX services ( 4 times ) during these 8 months. I demand that they remove the collection attempt from my credit file.