WillisBack/dataset-financial-user-claim huggingface dataset:
Entered agreement with Performant Recovery Inc. to pay nine months of agreed upon payment to have my Federal Student Loans Rehabilitated. When the nine month period was satisfied Performant indicated they calculated my payment wrong and that I needed to start the nine month period over.
I went to XXXX and requested my free credit report from both Equifax and XXXX. There are no free credit reports issued through this website as claimed. Both companies will happily provide the requested report online -- if I pay for it. For free- they each refused, and told me to fill out and mail in a form with copies of my social security card, drivers license and XXXX.
Dear Consumer Financial Protection Bureau and Wells Fargo Bank, RE : Account/loan number XXXX We are respectfully requesting further assistance with our Wells Fargo Bank mortgage and a possibility of a reverse mortgage.. We are seniors, have lived at XXXX XXXX XXXX, XXXX XXXX, California since XXXX, and request that we may continue to live at the home until our deaths. On XXXX XXXX, XXXX, I will be age XXXX and will meet XXXX qualification for a reverse mortgage. My XXXX brother, XXXX XXXX, is age XXXX, and has lived in the home since XXXX. My XXXX uncle, XXXX XXXX, age XXXX, and brother of XXXX XXXX, has lived at the home since XX/XX/XXXX. I am their payee and their caretaker. 
According to the Wells Fargo XXXX XXXX, XXXX response letter, the company was unable to offer payment assistance due to the NPV or net present value of XXXX XXXX XXXX. Basically the property has equity of appproximately {$250000.00}. The current value is approximately {$850000.00} and the mortgage is approximately {$600000.00}. Therefore, I may qualify for a reverse mortgage or some related assistance. 
In XX/XX/XXXX, our parents gave us a home located at XXXX XXXX XXXX, XXXX XXXX, California and currently the value is approximately {$900000.00}. There is no mortgage and my sister, XXXX XXXX, is a co-owner. She and her family currently live in the property. It is our hope that we may also use this property and of XXXX for a reverse mortgage Most important to this request is a postponement of the XXXX XXXX, XXXX, trustee 's sale date. We are hopeful that Wells Fargo will assist us with the reverse mortgage and allow us to keep our XXXX home. Thank you for any help and consideration you may give us. 

Sincerely, XXXX XXXX XXXX
On or about XXXX/XXXX/2017 I submitted a dispute on a student loan incorrectly reporting to my credit file. The following account was claimed by the credit reporting agencies to have been investigated when all indications say it was not. In the recent past if I disputed an item that company contacted me about the dispute. I have asked the company directly to give me an account status with no response. In a phone contact, I asked if there were contacts from the credit reporting agencies, the answer was negative. I feel that because the business of the credit reporting agencies is to report bad credit they do everything possible to maintain it even when it is unverifiable and incorrectly reporting. Multiple requests for the Method of Verification went unanswered. 

XXXX XXXX Please remove this file from my report.
we keep getting charges for a mothly automatic payment that we make from our checking acount on XXXX XXXX to a saving account in Bank of the West that is being used from this bank for payment to a line of credit loan with the same bank. 
We are being charge for " not sufficient funds '' even though wehave proof that a payment had been made on time from XXXX XXXX to Bank of the West. 
We have tried to resolved this both via telephone and in person but are being told to wait and have not had these charges reversed. It has been seven days.
Im not sure of the exact dates. But within the last 7 months ive submitted letters to to XXXX, Experian and XXXX to have them remove a lot of credit inquiries from my credit report.. the only response i get from lall three bureaus is that all the inquiries are validated.. validated how? Ive never gotten a detailed examination of each bureaus imvestigation. The majority of my inquiries are unauthorized. Ive also called all three bureaus and they are no help.. Im tired of my inquiries stopping me from getting approved for anything. I work hard everyday and cant get what i want because of the shady nature of the credit bureaus refusing to acknowledge legitimate credit inquiry removal letters.
Roundpoint mortgage keeps making mistakes in applying my funds to additional principal. Customer service has kept me on hold waiting for a supervisor for over an hour. 
This is not the first time this has happened.
Bank of America is Harming Fraud Victims of " Phishing e-mails '' by Closing Accounts and Dropping Customers for Life Bank of America mishandled my fraud investigation and violated my consumer right to a proper fraud investigation. My personal checking account number : XXXX I opened a regular business checking account with the officer, small business banker XXXX XXXX in XX/XX/XXXX. After receiving my Bank of America business checking account debit card in the mail my account was closed some 30 day 's later by Bank of America risk department. When I contacted the risk department with Bank of America I was given a reason that some time on or around XX/XX/XXXX I had a personal checking account that was closed for reason fraud and that this is why my business checking account was closed and further the bank is opting to never do business with me at any point in the future, essentially banned for life. 

This is not fair banking practices from Bank of America. I called and emailed them in XX/XX/XXXX ( see attached ) that I was the victim of an internet " Phishing Scam '' and that I appropriately reported the incident to the bank on XX/XX/XXXX. Bank of America 's failure to properly investigate my claim and simply closed my account refusing to ever do business with me again. This is a breach of Federal banking regulations in which Bank of America provided no protection for me as a customer against fraud, even after I expressed my full cooperation and support to the investigation Bank of America was simply unresponsive, this was very negligent. 

I promptly emailed XXXX in XX/XX/XXXX explaining all of this and they did not work with me at all towards a resolution, instead, Bank of America responded to my fraud claim by simply closing my account instead of investigating what had happened. I was never assigned an investigator! The bank was too quick to close my account. Why would you close my account rather than investigate? All you care about is saving the bank money under the pretext of a 'business decision ' or hiding behind risk department. When will you begin conducting more thorough investigations? I thought Federal Reserve banking regulations protected consumers even when they make a mistake by answering a phisher 's e-mail? My account does not deserve to be closed indefinitely for being the victim of fraud! 

I have been trying to open up a small business checking account now for the last 3 years!
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
I tried numerous times to find a way to lower my payment working as a non XXXX XXXX XXXX. This company only gave me the option of forbearance. My loan ballooned. I took out XXXX and ended up with a Student loans over 65K in 8 years!!!! I couldn't file bankruptcy, or lower payments from what they called acceptable monthly payments of " XXXX ''!!!!
To whom it may concern, I mailed the Multiple Inquiry Removal Letter on    XXXX   XXXX   XXXX     by certified mail in order to dispute the information, in regards to  XXXX  hard inquires that were being reported on my credit report. They received the received the letter on   XXXX   XXXX   XXXX     and completed the request on   XXXX   XXXX   XXXX    . The request that I submitted included the  XXXX  hard inquires were not factual and I received the same response of a general letter from Equifax for ALL inquiries stating that inquiries contain information about companies that have requested and/or viewed your credit report information typically within the last  two years. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ), 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 4 days after the receipt of my   certified letter, clearly is a sign that no investigation was taken to look into my dispute. I am in the process of trying to purchase a home and the hard inquiries on my credit report will have a bearing in this endeavor. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquires that do not belong to me. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.
i received a extortion attempt from a company, CAPITAL MANAGEMENT SERVICES LLP, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX, demanding funds from me. This demand alleges they have been ENGAGED, ( whatever that means ) by XXXX XXXXXXXX XXXX to extort funds from me in the amount of {$4900.00}. I am acutely aware that if any alleged original lender, thus sold this debt to a debt collector, they also wrote off this debt on their TAX FILINGS, which relinquishes any and all obligations, i might have had to pay. This now becomes a criminal, extortion attempt for funds, im not obligated to pay, by this illegal enterprise, who surprisingly, no one signed this extortion attempt, taking any liablity, from this criminal enterprise. He who makes the claim, accepts the liability.
ATTN : Legal Department my report number XXXX I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) Pursuant .617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] The information under dispute is the derogatory nature as well as not accurate. The items that appear on my credit report as : 1. US BANKRUPTCY : this filing has missing data and is not accurate please delete. 
2.XXXX XXXX ACC : XXXX : This account is listed wrong and error please delete. 
3. XXXX XXXX ACC:XXXX : THis account is not list propley error please delete. 
4. XXXX : ACC XXXX : This account was discharged and listed improperly please delete. 

I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable.
On Friday, XXXX XXXX, 2015, I had a balance of XXXX in my checking account with TD Bank. During the course of the weekend, there were XXXX withdrawals made by me for {$20.00} each ( total of {$60.00} ) which were deducted immediately from my balance, leaving a balance of {$84.00}. On XXXX, XXXX XXXX, 2015, a check from my insurance company was presented for payment to TD Bank in the amount of {$660.00}. This was submitted earlier than it should have been. Upon checking my account online on Monday morning, I discovered that TD Bank had charged me not only the {$35.00} overdraft fee ( which I was willing to take responsibility for ), but XXXX additional {$35.00} charges for the XXXX withdrawals made over the weekend, a total of {$100.00}. 
I contacted the manager at TD Bank. She explained to me that even though the withdrawals were made over the weekend AND they were immediately deducted from my balance AND they were made before the insurance check was submitted for payment, the insurance check is processed XXXX because they go from largest to smallest. As a result, the debits were deemed insufficient funds and I was charged the {$100.00}. I advised her I was more than willing to take responsibility for the overdraft on the insurance check, but to charge me the additional {$100.00} was completely ridiculous. She refused to refund those fees. As a result, my account was now seriously overdrawn and continued to remain overdrawn. They continued to process things through my account, XXXX and XXXX times, continuously charging a fee every time. 
I am a XXXX XXXX mother, supporting my household on my own. I did not have the additional {$100.00} to deposit into my account. I explained this to the manager who could have cared less. To me {$100.00} is a lot to come up with. I subsequently did not use the account after that time. 
From the beginning of the initial overdraft, TD Bank has charged me {$260.00} in overdraft charges. I am now receiving letters threatening a collection action if I do n't pay the negative balance of - {$360.00}. I have had this type of problem before with TD Bank and it was resolved in my favor. I have not been a customer of TD Bank for a few years and recently went back because my pay check is drawn on that bank and I was being charged {$7.00} every time I wanted to cash my check.
Deposited a XXXX check into my account, BOFA is telling me i cant have my money for 2 weeks because XXXX will not verify. I spoke with XXXX and they are telling me they have submitted everything they can and that my bank is lying to me and that the funds have been drawn from my employers account already. I am going to lose my job due to the fact i can not purchase gas and I am XXXX miles from home in a new state
I am filing this complaint because the credit bureaus XXXX and Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. They are simply responding to my disputes as " verified '' without proper documentation. Under section 611 ( S ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified '' that I have disputed. They are NOT to just simply call a company and mimic on my credit report, what is said to them over their phone without proper documentation and/or proof that I have had business with them. They also MUST send me proof of documentation ( if any ) as well and they have failed to do so.
I went to the urgent care and I had paid my co-pay. The insurance paid their portion once the bill was submitted. I had {$0.00} balance but I got sent to a collection agency. When I called, I told them that this was paid off and they told me that they were going to delete out of my credit but they never did.
i bought my house XX/XX/2011 Originally when I sign up the loan with XXXX bank I have private mortgage insurance added to my loan and the agreement was i have to be five year paying on time and it will be remove. my loan was sold to XXXX and now its currently with planet lending now it being five year paying the pmi. i am asking them to remove my pmi and they are giving running around and they cant not remove it
Experian continues to report fraudulent information on my credit report. I was incarcerated for 7 years and my identity was stolen. These accounts are fraudulent and need to be removed from my report as it is a violation of the FCRA : 1. XXXX XXXX XXXX # XXXX  2. XXXX XXXX # XXXX 3. XXXX XXXX # XXXX  4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX # XXXX  6. XXXX   XXXX XXXX XXXX # XXXX  7. XXXX/XXXX # XXXX 8. XXXX XXXX XXXX XXXX # XXXX  ( 6 accounts ).

9. UXXXX XXXX XXXX # XXXX
IN CASE CFPB # XXXX YOU PROVIDE A JOINT ANSWER CHASE AND XXXX XXXX. YOU BRIEFLY MENTION WITHOUT EXPLAINING " CURRENT OWNER ''. 

ONE QUESTION, DID XXXX XXXX PURCHASE XXXX XXXX XXXX FROM YOU ON X/XX/2009 FOR XXXX? 

XXXX # XXXX
I have made a purchase on XXXX site on XX/XX/XXXX. Subsequently have returned the merchandise as per Return Policy and requested a refund. However the company issued a Partial Refund. So I started a Dispute with Chase Credit Card on XX/XX/XXXX. As of now, there is no action whatsoever on my Dispute. As I have returned merchandise in the Unworn condition and have acted strictly by the Return Policy that I still have a screenshot of, I am requesting a Full Refund, yet Chase is n't moving. My Dispute is for the balance of the purchase in the amount of {$57.00}.
I requested XXXX and Equifax to verify a bankruptcy on my credit report. I also requested for them to send me any information regarding there decision on the outcome. All they send me is a letter stating they verified it with a third party lender. They failed to respond to my request accordingly and chose to ignore what I asked for. Leads me to believe they never verified the information as requested.
I make a monthly payment to Citibank. The due date of XXXX XXXX, XXXX fell on a Sunday, and Citi Bank did not accept payments. The payment was accepted on XXXX XXXX, XXXX the first business day after the due date. I was charged a late fee, against XXXX Credit CARD ACT as the due date was on a non-working bank business day and permitted to accept the first business day to follow. I have never been late once. The late fee charged was {$35.00}, {$8.00} more than was is legally permitted. As my payments are made automatically and there was no indication or change to my balance, I continued to pay the same payment and they repeatedly charged me a late fee for the next few months. They broke 2 laws per the XXXX Credit CARD Act and now are forcing me to pay over {$170.00} in late fees.
XX/XX/2018 at XXXX XXXX -I called in to get more information about repayment options and to let them know I submitted something online but didn't receive any response but I did get an email about wait for your school to notify us. I was explaining this to the rep XXXX, agent id # XXXX. So people who want to make sure they understand normally repeats what was said or ask for more clarification. I repeated what she said to me to make sure I hear right and her tone immediately changed to that's what I said dummy ( and she actually did say that's what I said ). She also stated that she was going to submit something that would be retro for 60 days until the school updates my enrollment status. In the event that they don't I would have to submit enrollment and since I didn't catch what was supposed submit, I asked and she once again got smart. I politely let her know why I repeat or ask is because I wanted to make sure I heard and understood what she was saying and not to be a jerk about it AND thanked her for submitting the paper work. Not I'm not so she submitted it since I have not received any confirmation. I also see online that nothing was done and my payment looks to be doubled.
To Whom it May Concern, I took out two private student loan accounts during XXXX school with Citibank. These two accounts were in deferment during my XXXX XXXX. In XX/XX/XXXX of my XXXX XXXX year, I was contacted and told that these accounts could no longer be in deferment because XXXX XXXX to specialize in the field of XXXX XXXX is considered " voluntary training '' - the option for deferment no longer applies. At the time, I was unable to make the payment on these loans as I was making less in salary than what was owed per month on the loans. As a result, the loans were sent to collections with the company XXXX XXXX. On completion of my training, I contacted XXXX XXXX and settled the two accounts on XXXX XXXX, 2017. I was told that these accounts were now paid and closed and that they would be reported as such to the credit bureaus. The first account was in the amount of {$36.00}, XXXX and settled at {$19000.00}. The second account was in the amount of {$35.00}, XXXX and settled at {$18000.00}. I have proof of payment letters from XXXX XXXX dated XXXX XXXX, 2017. I contacted Citibank on numerous occasions to attempt to have these loans removed from the delinquent status. After many attempts and many hours of being transferred from department to department and being told that Citibank can not find me in their system by either my SSN, name, date of birth or the Citibank account numbers, was able to find a gentleman by the name of XXXX at number XXXX who confirmed that the accounts show as XXXX balance and closed. I asked for a letter stating such and he said he was unable to give out that information. He was also unable to explain why it was still being reported as delinquent and in collections to the credit bureaus. I was asked to send letters of proof of payment as well as a copy of the credit report that shows the accounts as still in collections. I sent these immediately by fax as I was told there is no electronic option at this time. I had to send the fax several times as they were not being received on Citibank 's end. This was over a week ago and I have still been unable to get an answer as to why these loans are being reported as delinquent or to get a letter stating that the accounts are paid and closed for my mortgage company. My husband and I are currently in the process of applying for a mortgage and these two accounts are the only issue on my credit report. They are dropping my score by at least XXXX points. At this point, I have spent tens of thousands of dollars to pay these loans and have disputed them several times. I have even hired a company, XXXX XXXX XXXX, to assist me in disputing these loans that are PAID and it has been to no avail. Citibank is still reporting these loans as open, delinquent and in collections. They are affecting my ability to purchase a home for my family.