WillisBack/dataset-financial-user-claim huggingface dataset:
My home equity line of credit ( HELOC ) has XXXX accounts. I recently went to a local branch and paid off XXXX of the XXXX accounts, about {$7000.00} of a total of {$23000.00} I owed. At the branch, the teller calculated that my new monthly payment, going forward, would be {$200.00}, which corresponds to what I calculated the new payment would be. 
A few days ago, I checked the institution 's website which states, instead, that my new payment will be {$230.00} ( previously, before paying off XXXX of the accounts, my monthly payment was {$270.00} ). I called the institution to ask them to correct the payment information on the website to align with what I was told at the branch and which I think is correct. I was told that the website amount, {$230.00}, is correct. I asked for a breakdown of the payment and was told that, for example, on # XXXX, my new principal payment would be about {$140.00}. But currently my principal payment for that account is only {$84.00}. I asked why my principal payment jumped from {$84.00} to {$140.00}, and the agent on the phone could n't give me an answer. I pointed out that, if I paid {$140.00} in principal every month on that account, I would pay it off way before the ten-year payback period ends. The agent on the phone could n't explain why this is so. 
In general, I told the agent that I could n't understand how it was that I paid off about 30 % of the total principal I owned but my monthly payment was going down ( according to the bank ) by only about 15 %. The agent could n't explain why this was. I think the institution is mistaken and needs to correct the monthly payment to align what I was told at the branch.
The issue is that Equifax, XXXX, and XXXX have not removed information off of my report that does n't belong to me. I started this process with them in XX/XX/XXXX and it is XX/XX/XXXX. I have been more than patient. At this point I have obtained an attorney to start the process of filing a small claims case against all XXXX bureaus. There is information on my report that does not belong to me and I have stated that every month. At this point the Bureaus have stopped responding to me. This is their final chance to do right, by removing these items off of my report before they are contacted by my attorney. There are also several addresses on my reports that do not belong to me either. 
Attached to this complaint are word documents of each bureau with everything that should not be on there. Addresses included. It is my expectation that they remove the items after I have been disputing these items for 10 months. If not, they are facing a lawsuit.
I HAVE SUBMITTED A NEW AND COMPLETE MORTGAGE MODIFICATION PACKET THROUGH MY HOUSING COUNSELLOR 'S ORGANIZATION CALLED OPERATION HOPE TO WELLS FARGO BANK ON XXXX XXXX, 2015. SEE EMAIL BELOW. 
XXXX To XXXX ( WELLS FARGO 'S SINGLE POINT OF CONTACT ( SPOC ) ) CC XXXX XXXX/XXXX/15 at XXXX Hello XXXX, Attached please find a new modification request that the borrower would like to have reviewed. 
Thank You, XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Office : XXXX ext. XXXX Fax : XXXX ON XXXX XXXX, 2015, I RECEIVED A LETTER FROM WELLS FARGO BANK CONFIRMING RECEIPT OF MY NEW COMPLETE MORTGAGE MODIFICATION PACKET AND WELLS FARGO HAS FOR WELL OVER ONE MONTH IGNORED THIS NEW AND COMPLETE PACKET AND HAVE FAILED TO REPLY OR REQUEST ANY ADDITIONAL INFORMATION FROM ME CONCERNING THIS NEW MORTGAGE MODIFICATION REQUEST. 
WELLS FARGO HAS VIOLATED THEIR OBLIGATION TO ENTERTAIN ALL FORECLOSURE RELIEF ALTERNATIVES AND THEY ARE RETALIATING AGAINST ME FOR ALL OF MY PAST CFPB COMPLAINTS. 
THE ATTACHED COMPLETE MODIFICATION PACKET INCLUDES NEW INCOME INFORMATION THAT WAS NEVER AVAILABLE BEFORE AND MUST NOW BE CONSIDERED BY WELLS FARGO BANK OR WELLS FARGO BANK WILL BE LIABLE FOR VIOLATING CALIFORNIA HOMEOWNERS BILL OF RIGHTS FOR FAILING TO DO SO.
I have submitted four application to have my student loan discharge because of false certification due to I didnt have an High School Diploma nor GED at the of enrollment. All four times my application has been denied because Nelnet are saying that I have an GED. I dont not have an GED at all.
I have  XXXX , I 've been under treatment for years and someone has taken advantage of my situation and stole my identity. All of the  XXXX   XXXX  charge offs,  XXXX  charge offs, and  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . charges on my report were charged without my knowledge.
Wells Fargo reporting wrong info on me. XX/XX/2018 XXXX # Please fix and DELETE.
In XX/XX/XXXX We took a loan for XXXX from XXXX  XXXX XXXX, which later was bought by XXXX XXXX XXXX XXXX XXXX  for a property located in XXXX XXXX, Florida. Property Address : XXXX XXXX XXXX XXXX, XXXX, FL. XXXX. Such Mortgage was Paid and Satisfied ( Letter of Satisfaction attached ) in XX/XX/XXXX, but it is still coming up on our Credit Reports as an ongoing late payment. We respectfully request this situation corrected, since it is adversely affecting our credit scores and our ability to conduct our business.
Green Tree Servicing acquired our mortgage from XXXX in early XXXX, 2015. I paid off the mortgage on XXXX XXXX, 2015 via certified check. Green Tree Serving acknowledges that it was paid in full and advised that they prepared a Satisfaction of Mortgage in XXXX and forwarded it electronically to the XXXX County Clerk 's Office. I inquired with them and they advised that it was not received. I reported this to Green Tree and they advised that they sent it again in XXXX. I inquired with the County Clerk on XXXX XXXX and was advised that it still had not been received. I contacted Green Tree daily from XXXX XXXX to XXXX XXXX via telephone and fax and received a different explanation for what was going on each time I called. On XXXX XXXX, I spoke to XXXX at extension XXXX and he advised that he would look into it and return my call by XXXX, XXXX XXXX. On XXXX XXXX XXXX, I called and was told that XXXX was unavailable but the " notes '' on my loan indicated that he sent the satisfaction for filing that day. On XXXX XXXX, I called the County Clerk 's Office and was told there was still no Satisfaction on file. I called again on XXXX XXXX, and I asked to speak to a supervisor but was transferred to the same " XXXX at XXXX '' and I had to leave yet another voice mail. I called back after I left the voice mail and this time I was advised that it was sent out electronically on XXXX XXXX. I called the County Clerk on the morning of the XXXX and was told that it still had not been received electronically as Green Tree indicated. XXXX XXXX XXXX advises that when documents are received electronically, they are filed immediately. On XXXX XXXX, I called Green Tree again and was told that they would " submit a request '' for me and that someone would call me back. I explained that when I called on XXXX XXXX and spoke to XXXX, he said he would call me back and I still have not received a call or an actual explanation as to what the problem is. The customer service rep transferred me to XXXX again, so I left another voice mail. This is completely insane. They have 30 days to file my satisfaction, not three months.
I am writing this complaint because Equifax 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 have gone past the 30 day mark & can not verify 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.

As I understand, Federal reporting laws. especially the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that all information be certificated compliant as well as full true, correct, complete & timely proven mine. It was clearly that the same laws dictate that no entity, including a consumer credit reporting such as yourself can excuse itself from the mandates nor liabilities should that entity become deficient in that compliance. I am enacting my consumer rights to have only 100 percent accurate, timely & verifiable METRO 2 compliant information be reporting on my credit.

I do NOT authorize any derogatory. RETAIN or return to requisite METRO 2 compliance reporting now by annulment of all non compliant information as mandated by law. Please resolve this matter as quickly as possible. I appreciate your time and consideration.
CPFB did not address multiple complaint issues against Barclay Bank : 1 ) Barclays assessed my   account as a default risk with no credit history to suggest this a a p ossibility 2 ) Barclays su bmitted excessive hard inquiries to credit bureaus in an attempt to harm my credit and refused to correct th ese 3   ) Barclays fo rced me to close all my accounts to avoid catastrophic harm to my credit report as well to others in credit card forums on the internet.    XXXX   card, the Black Card, i had to pay an annual fee of {$490.00} and because Barclay actions forced me to close it, Barclays h as been unwilling to return a pro-rated fee of {$250.00} to me as i can longer use the features and benefits of the card due to no fault of my own.    4 ) Although all  XXXX  cards were closed simultaneously, Barclays took its time reporting the Black card closed 5 ) Barclays issued predatory documentation AFTER i requested the accounts closed to substantiate its actions -- again of which have proven incorrect in Barclay assumptions.      I have contacted the Banking oversight committees due to the very malicious wa y Barclays is treating its American customers as well as the lack of proper review and addressing issues by CPFB itself .
Springleaf finance in XXXX Ga. back in XX/XX/2015 I call Springleaf about a loan of XXXX dollars and to pay in full in 36 months, I was told to come in the next day bring my wife to co-sign on the loan which I could got on my own. Me and my wife was told the loan was for 36 months on the paper work was 36 months which we both read in full we e-sign to loan papers but the lady said there was a mistake on the paper work and had to reprint the loan paper work but was very, very nervous shaking with this new paper work I read and e-sign the loan of 36 months my wife read and e-sign the same paper on 36 months, the woman was shaking so bad after we had sign the papers when was giving them to us alone with the XXXX dollars. we got home we found out the there was a bait and switch on the paper work of 48 months which we both read before signing of 36 months please check the hard drive on there computers if they haven't erase it.
I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to 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 matter as soon as possible.
The violations that have occurred include, but are not limited to violation of the Fair Debt Collection Practices Act [ 15 USC 1692d ] A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

The violations that have occurred include, but are not limited to violation of the North Carolina Fair Debt Collection Practices Act 58 70 100. Harassment. ( XXXX ) Causing a telephone to ring or engaging any person in telephone conversation with such frequency as to be unreasonable or to constitute a harassment to the person. 

The violations that have occurred include, but are not limited to violation of the Telephone Consumer Protection Act ( 47 U.S.C. 227 ) by its actions of calling consumer 's cellular telephone using automatic telephone dialing system and artificial or prerecorded voice ; 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ). 

The violations that have occurred include, but are not limited to false or misleading representations ; in violation of 15 U.S.C. 1692e. Specifically, the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

The violations that have occurred include, but are not limited to violation of the Fair Debt Collection Practices Act specifically Notice Requirements of [ 15 USC 1692g ] ; overshadowing.
i have a bankruptcy reporting on my credit report that is not mine! i have disputed this numerous times to no avail. XXXX  has already removed this fraudulent information. This belongs to another XXXX XXXX.

Chap XXXX-Discharged ; XXXX XXXX XXXX IL. XXXX. Reference # XXXX
in XXXX XXXX on XXXX or XXXX money was taken from my account and i called and spoke to XXXX at the store on XXXX and told her that she had processed the payment to early which cost me an overdraft fee, in XXXX XXXX the same thing was done i told this manager that the previous manager would always call if they are taking the payment earlier and she said that she is not going to do that. and she doesnt call and remind me that the payment is due or will be coming out and this is what i was used to since i began business with fast bucks. In XXXX i told not to take money from my acct untill the XXXX XXXX each month. I have overdraft fee again as they have taken XXXX today XXXX/XXXX/XXXX i called the call center and this girl tells me that she has to pull my contract but she is in another state and im pretty sure my contract is in XXXX XXXX XXXX so I am making it official I no longer wantt you guys taking my money she says that collections XXXX XXXX XXXX proceed as normal. and the actual store person will not answer the phone. the last time that i had an issue with XXXX she stated that she would have her boss call me but that call wasnt recieved and she stated that he called but he didnt .. my encounter with this new manager and fast bucks continuously make me regret doing business with them. i told the person at the call center today that fast bucks can no longer take money from my account .please help me to settle this matter she seems XXXX think that she can take money from my account XXXX  she feels like it and she is very rude.
I requested validation of CHASE mortgage account on credit report. I recieved correspondence back stating they were unable to validate due to the account being apart of bankruptcy and would violate privacy laws. I requested them to remove, on 4 occasions, they refused. Please remove as it is affecting my ability to obtain new credit
I had a loan on a car for 12 years. This is illegal. There was too much interest accruing.
In XX/XX/2017, I made a late payment on my mortgage to M & T Bank. It was not yet past 30 days, but it was late. I paid via my online checking account from XXXX. I entered the wrong address for M & T, and the check was sent to their office in Texas. The money immediately left my checking account, so I figured they received it. They never did, so I had to cancel the check from XXXX, and I re-sent the payment online, this time on M & T 's MyMortgage website. At this point it must have been past 30 days late. When I spoke to customer service, they said they'd charge the late fee but it would not show up on my credit report. 

Now, almost a year later, a mortgage broker pulled my credit and it's showing up as a negative mark on my credit report. M & T says they can not remove the negative mark, that I have to file a dispute with the credit bureaus.
In XXXX 2015, I obtained a copy of my XXXX Credit report. I noticed that a collection account was being reported from XXXX Firstpoint Collection Resources, XXXX. XXXX XXXX, XXXX, NC XXXX from XXXX insurance. This was the first time I became aware of this debt. While, I did n't understand why this was being report, as I have had additional policies from this company in the meantime. I was never contacted about this debt. I immediately called Firstpoint and paid this debt, as I was very worried about the damage to my credit scores. When speaking to the representative from Firstpoint, I was told to dispute this account XXXX to have it removed. I preceded to submit the dispute. Today, XXXX XXXX, I received the results of my dispute. Firstpoint did not agree to remove the account from my XXXX report. While I understand the responsibility of Firstpoint to report accounts to credit reports, I was not given the chance to take care of this matter before it was reported. I have very good credit scores with the other credit reporting agencies. This collection account is going to cause problems when I try to obtain a mortgage.
Hello All, I have two issues, one with J.P. Morgan/Chase Bank and the other is with the WA State Supreme Court Clerk.
The Clerk 's of the Courts effectively run interference for the court so they do n't have the court to hear Constitutional issue. I lost my family home of 61 years because of Clerk 's of the Court refuse to Docket my petition that the WA Constitution Article 1 Section 4, the right to petition. J.P. Morgan/Chase Bank commit fraud on a daily bases for profit at the expense of the consumer. Please help the American Consumers.
XXXX XXXX XXXX
i sent a request pursuant to the fair credit reporting act demanding the said company prove they have the legal right to collect said debt even if debt exists. they ignored the request and let the statue of limitations expire. I then sent a final demand to remove the item and cease and desist. They intern sent a validation of debt in response. All documentation will be included. I followed up with then and their response was to hang up on me.
I have a mortgage with HSBC and have been paying for 12 years. When things got difficult I applied for a modification and they issue a temporary modification. I have been paying my account and kept it current for over six years. I requested from them to offer a permanent modification since the rates were low as the interest I have is 8 % but they refused. I request for a refinance and that was not an option either. In XXXX of 2015 I learned that they have not been reporting to the credit bureau so there is no record of my making payments to them for 12 years. I contacted them in XXXX and requested for them to report so this way my credit score will increase and I will be able to refinance. On XXXX 2015 I started to refinance and once again learned that there is no record of my mortgage with HSBC since they are still not reporting and this makes things more difficult when there is no record. I have once again contacted HSBC and requested for them to offer a permanent modification with a lower interest and I was denied. Instead the send me a letter offering me to do a short sale or Deed-in-Lieu and I am offended by that offer since my account has not been past due for over six years. This practice for any Financial Institution should not be allow. Please advocate so all other customers who are experiencing the same can also be benefit and our credits will improve once they report to the credit bureaus and will give us the option to refinance and qualify for a low interest rate.
I purchased a vehicle from XXXX using their in-house financing, XXXX XXXX XXXX in XXXX, TN. I paid {$1000.00} cash down, and then they asked for additional XXXX deferred down payment, making a total payment of {$2000.00} down. I was told the warranty was included with the vehicle, but from the contract, I was in fact charged for this. Moving beyond this issue, there were several issues with the car, including the engine needing replaced after only XXXX miles. At this point, we came to an agreement to return the car to the dealership, return {$750.00} of what I had paid so far ( they kept {$750.00}, which they called a restocking fee, even though XXXX stated the restock fee was {$250.00} ). I went to the dealership where my original salesperson, XXXX, gave me a check for the {$750.00}. I brought my copy of the contract so they could stamp it VOID and I would have proof of the contract being cancelled. I was referred to XXXX, in the Mountain Acceptance arm of the business, where at that point I was advised by her that the cashed check was proof enough and refused to void the copy of the contract I had. At this point, I cashed the check against their own bank XXXX, so obviously a cashed check would not provide any proof for me since they have access to that, not me. Now today, XXXX/XXXX/17 I am attempting to get a new auto loan. I was advised by the new creditor that I need something in written, a voided contract or a notice of cancellation on letterheard, showing the loan was closed/cancelled, in positive standing. I called Mountain Acceptance, where I spoke to XXXX and she advised they do not do that, I need to speak to the sales dept. I was transferred to the manager of the lot, XXXX, who advised he does not have to provide anything in writing to me. He then backtracked, and said I need to send him a written request for proof the loan is closed/cancelled, and he then has 30 days to complete the request. I called back to Mountain Acceptance to try there again, but each time I was transferred to the " Manager '' who consistently hung up the call every time I was transferred. At this point, I am not sure where to turn. I do not have the car, they kept half of the money I paid for a voided contract, and now I can not even get a letter or notice to show the car was returned, the contact closed, and no negative reporting. Please help!!!
On XX/XX/XXXX, I attempted to open a brokerage account and linked checking account with Charles Schwab. A few days later, the account was abruptly closed, and on XX/XX/XXXX, I received 2 pieces of mail informing me that the accounts were closed due to my credit score as reported by XXXX. While the disclosures provided during the application process indicated that Schwab may obtain information from consumer reporting agencies, I reasonably assumed that such information would be used for identification purposes, and that nothing beyond a " soft pull '' would appear on any credit report. Nowhere on Schwab 's website, and at no time during the application process, does Schwab disclose that a minimum credit score is required to open a brokerage account - and I at no time applied for an extension of credit from Schwab. Schwab is certainly free, subject to statutory limitations with respect to discrimination, etc., to choose its business partners. As a consumer, however, I have a reasonable expectation to know what specific information may be sought about me, and why specifically Schwab believes it needs such information.
I refinanced with Quicken Loans last year. They apparently greatly under estimated my escrow by over {$1500.00}. If I do not pay the total shortfall my new monthly payment will be over {$2300.00}. This is more than I was paying with my previous mortgage company. I do n't believe the tax value on my property increased that much to have missed by such a large amount.