WillisBack/dataset-financial-user-claim huggingface dataset:
FIA is incorrectly reporting a late payment of {$12.00} that is affecting my credit. This is an FCRA violation. The company erroneously removed my autopayment option from their system. When I contacted them to advise of this, they had no explanation for how my autopay option could have been removed, other than the company went through a system upgrade in XX/XX/XXXX which could have removed this. The representatives I spoke with stated they could submit a courtesy adjustment to remove from burueaus, but it would need to be approved first, and then it could take 30-90 days. This is an unacceptable timeline when it is no fault of my own that their system removed my autopay option. I have been a loyal FIA Platinum Plus Member for 13+ years, and never have missed a payment nor received or received such poor customer service. I attempted to escalate before submitting this complaint, but could not get anyone to help expedite my request for removal from the bureaus. I spoke with the representatives listed below over the course of one week. I would encourage the compliance team to listen to these calls. On several occassions, I was advised that I would receive a call back and never did. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
About three weeks ago I had requested a copy of my consumer report from Lexis Nexis. I had to print out the request and mail it in. I actually mailed the application for my consumer report in via certified mail. Now almost two weeks ago I received the certified postcard back stating that it was received by Lexis Nexis and as of today XXXX/XXXX/2015 I have yet to receive the report. I am very determined to get the report and to dispute the information that is furnished on the report because I have declined employment and apartments due to information that has been pulled from LExis Nexis which I know is wrong. I am the victim of Identity theft and I am trying to clear my name and it is extremely hard when these CRA 's are withholding information from you. I have every right to see what is being collected on me from your company and it is my right to dispute the information. I also want to put a security freeze on the report for security purposes because what they have listed is detrimental to my livelihood right now.
Our complaint is against CitiMortgage and their legal representation the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, OH. XXXX. 
InXX/XX/XXXXwe started a mediation process with the legal firm trying to say our home from foreclosure. Without success. 
In XX/XX/XXXX we were served papers telling us to leave the home that it was going to be sold at sheriffs sale. 
We vacated the home found a property that moved into under a land contract agreement with the understanding that after three years we would be able to purchase property as is the required amount of time to wait after a foreclosure. we also put a down payment of {$14000.00} over a 3 year period as well at {$1300.00} per month rent. 
We waited our 3 years out and applied for a loan to find out the Citi had taken our foreclosure off the sheriffs sale website, because they had listed the previous owners of our old property as party of interest. 
Correct me if I am wrong but once we purchase the home in XXXX the previous owners gave up all rights to the home. As we had purchased a mortgage. 
The attorneys representing Citi had listed previous owners as parties of interest in our property and had found out that in XXXX XXXX the grand-daughter of the previous owner had filed chapter XXXX therefor ordering a withdraw of sale. 
Citi set on the property from XXXX XXXX till XXXX XXXX with not movement. They eventually released property for auction at which time title was transferred to new owners XXXX XXXX. Leaving us in position of waiting another year to be a able to purchase another home under FHA guidelines. 
We are now out of contract with our current home and the seller has increased the sale price and we our out the {$14000.00} because we failed to obtain financing, because of that three year wait period. 
I have compiled all documents pertaining to our foreclosure and how from the very beginning of the mediation process to the final sale to new owner Citi and their counsel have miss handled this case, simply by including previous owners in the process. 
I have spoke to legal counsel, XXXX county recorders office, chapter XXXX  office, XXXX county common pleas court, numerous FHA lenders, FHA ( to find out if they had a cavious report, which they have no record of ), representative of the law firm that represented Citi, ( which the response I received from the was, " we do n't have to give you free legal advise '' ), and proceed to hang up on me, XXXX XXXX XXXX that handled the close of our home back in XXXX and their in house legal counsel. Everyone I have spoke with has stated that this is a colossal mess and all stems back from Citi including the previous owners in OUR foreclosure. 
I would like action against Citi and their legal counsel.
I have contacted XXXX  several times with no success in getting a unauthorized inquiry removed from my credit file. This same inquiry with XXXX XXXX  has been listed on my other credit files, which I disputed and was successful in the removal of the inquiry. I do not have no account with XXXX XXXX at all.
Equifax is reporting a XXXX account ( beginning with XXXX ) with negative information for which I was only an authorized user. This account was my wife 's account and I had no payment responsibilities at all. I have disputed the account with Equifax XXXX and also directly with XXXX. XXXX have correctly removed this account from my credit report, but Equifax has failed to do so in spite of my attempts to correct the erroneous reporting. This negative reporting is affecting my ability to obtain necessary financing.
I tried opening an Account with XXXX ... ..subject to approval thru Chex systems ... Check systems denied me ... The bank gave me Check systems contact information..I called Check systems and they refused to take me off their list..I told them I filed chaper XXXX, and all previous debts were discharged. Check systems told me I owed them XXXX ... I asked for what ... the agent had no response! They still have me on their list.
I received an alert of my credit being negatively impacted by an entry made by XXXX XXXX XXXX in the amount of {$1400.00} on XXXX XXXX. I have NEVER received anything in writing from this company to show that I owe them nor have I received any notice showing that I have the right to dispute. When I looked up this company in your database, a suggested name came up of Midwest Recovery Systems. Once again, I have NEVER received ANY letter from said company either. 

Furthermore, I do n't have any contracts with XXXX XXXX XXXX nor Midwest Recovery Systems nor XXXX XXXX XXXX XXXXXXXX. 

It is not now, nor has it ever been my intention to avoid paying any obligation that I lawfully owe.
XXXX XXXX cred for {$260.00}.
It was open on XXXX XXXX 2016.
Do n't know what that is. Have no recollection of what that could be. Would like to dispute it. It 's an collection inquiry on my credit on transuinon.
XX/XX/2018 I was involved in a rollover accident as the driver. The vehicle was registered to my husband and I had co-signed on this car loan. We both are seniors and XXXX persons. XXXX is a XXXX yr. old XXXX veteran ( husband ). There was loss of property and I was the only person involved hurt. The insurance company ( XXXX ) spoke with XXXX about this claim. He was informed that the vehicle was totaled and would be paid off. Even though Honda Finance was contacted XX/XX/18 by XXXX and provided payoff information ; we both have been reported late to credit agencies. There was never a late payment on this account before this accident. However, a Honda Financial supervisor later told me there was a legal obligation to report this vehicle payment as late. Despite admitting  knowledge that the insurance was paying the debt off, the severity of this accident and impeccable credit history. During this period I was involved with a mortgage lender and was informed by them of this late payment on my report. I have yet to receive anything from the lender ( Honda ) regarding reporting this matter. I did receive a letter dated XX/XX/18 stating the vehicle was paid off. The fair reporting should reflect our true history, not errors of insurance companies or misinformation provided by these company 's. It appears extremely subjective when my lender informs me, he has seen this type of payoff debt removed for other clients.
My information was initially exposed in the XXXX breach and gained access to credit and identity monitoring after that incident. Since then, I regularly check all alerts that typically include normal inquiries for credit or new accounts being opened that were my own. I recently found out that my information was also exposed again during the recent Equifax breach and yesterday I got another alert that XXXX XXXX XXXX had done an inquiry on my credit via Equifax. Knowing this was n't initiated by me, I contacted XXXX XXXX XXXX 's fraud department and found out that on XXXX/XXXX/XXXX, a wireless account was opened with my SSN using someone else 's name and address. XXXX XXXX XXXX 's fraud department actually did close the account as of yesterday and marked it as fraudulent but now I have confirmed that my SSN has been exposed and was stolen with the intent to use it to steal my identity. I have reported fraud alerts with XXXX who said that fraud alerts would then be sent to the other XXXX major bureaus
My family was devastated by the California Wildfires, when I called my CC company citi back to ask to see if there are benefits or waivers I can take advantage of they said NO. Every other card that I have either waived my payment or late fee as a result. Citi Bank was the only ones who said they will not help. I live in XXXX XXXX and the Fires were in XXXX which is only less than 5 miles. 

I would like to file this complaint as to see why Citi Bank is denying emergency benefits to minorities like myself. How many others have fallen victum with XXXX. I will not be doing business with this bank anymore do to this outrageous blatant racism.
On XX/XX/2018 I sent a letter to Equifax and XXXX  notifying them about several unauthorized credit inquiries on my credit report and requested they remove all of them. Equifax received the letter on XX/XX/2018 and XXXX  received the letter on XX/XX/2018 according to the green certified return receipt card. As of today, XX/XX/2018 Equifax and XXXX have failed to respond witha written letter norhave they deleted the unauthorized credit inquiries which is a violation of the Fair Credit Reporting Act.
On XX/XX/XXXX, I sent a request to the credit bureaus to investigate errors on my credit report. They were supposed to respond with the results within 30 days. Its been over 45 days, and I have yet to receive a response from Equifax or XXXX.
On 06/2016 PNC MORTGAGE informed us that they purchased our loan from   XXXX   XXXX   XXXX   They sent a letter stating the will be receiving our payments and nothing else about the loan will change. During this transfer our ins was due and we assumed the escrow in our accountwould handle this. However, the ins notified the mortgage co for remittance of payment. They, informed us that there was no response. We assumed that the ins was being paid from our escrow like always. It was n't paid and PNC did not inform us of this until this  XXXX . THey want to charge us {$1900.00} for ins for that time period. I do n't mind paying some ins. But 3 times the amount is horrible. THey purchased the loan. We had nothing to do with that. I feel they should have informed us that the ins expired and they should have paid it from the escrow. IAm   XXXX   years old and can'tafford this. I agree to pay something, but not thus amount. THankyou for your help in this matter   XXXX   XXXX   XXXX
My account at Union Bank of California is XXXX. This is a business checking account. I have a mastercard cash card. On XX/XX/XXXX a charge of {$2200.00} was run on the charge via mastercard to " XXXX '', which is a division of XXXX. I did not make this charge, and immediately disputed it. I went to the office of the bank several times and discussed this with them and filed a complain in writing. I spoke with XXXX XXXX, XXXX. A month has passed now. So far all I have gotten from them is excuses, but there appears to be no plan to ever return my money. 

Once they realize that a charge is fraud they should return the money right away. There is no question that this charge is fraud. I did n't buy anything from XXXX. 

When I go to a bank and make a deposit it is to keep the money safe. It is their responsibility to keep it safe. Union bank seems to feel no obligation to me, as a depositor, to keep my money safe. I am very unhappy. If they do n't want to protect my money they should not be in the banking business.
I have stopped automatic debiting of our checking account due to the changes in my household financially. I called them to let them know that I will be closing my current checking account and opening another and would let them know when i could resume my payments on my {$330.00} XXXX XXXX XXXX card. I called them in XXXX and since then they have called me 3 times. Very rude, threatening me, I have even told them the situation and they keep saying they were going to make a noteof it, but apparently they do not make a note since they keep calling me! I have every intention on paying off this debt but it will be a few months before I can because we are behind on some bills due to the transition of my husbands XXXX. This is not the first time I have had calls like this.
I am submitting this compliant in regards to the numerous efforts of faxes, phone calls and certified mailing letters to notify the following credit bureaus of inaccurate information they are reporting on my credit report. I have been in dispute with Equifax, XXXX, and XXXX in regards to having unauthorized inquiries removed along with other inaccuracies. All companies have failed to comply with the Fair Credit Report Act Section 611 ( a ) ( 1 ) ( A ). In fact the credit bureaus were also advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. I have repeatedly asked for them to additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or XXXX verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. None of the credit bureaus have been complied with the verification method used or supplied the requested evidence as outlined in my numerous letters mailed which are attached along with the certified mailing receipts that confirm when they received all my notifications about the inaccurate information and my responsibility as a consumer to report such inaccuracies. However despite the numerous attempts to reach out to Equifax, XXXX, and XXXX the matter has yet to be resolved. I am formally filing this compliant which I have maintained careful records of my communications with the credit bureaus and gave them the applicable time as required, which I have outlined in my numerous letters, should they continue in their noncompliance as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XX/XX/XXXX ). None of the Bureaus can validate this information being accurate into their findings, but they continue to claim the information is " verified '' but with NO proof of the documents requested. This has been going on for over 12 months and yet no resolution into the matter.
NetSpend has questionable business practices. I noticed my balance dwindling so I called to clarify the unauthorized charges that appeared to be mistakes. 

I was not informed of the {$2.00} charges for ATM usage. Then I noticed {$1.00} fees which did n't make sense which they later stated was due to my card being declined at the ATM! 

Why would you charge someone who did n't have enough funds to withdraw money in the first place? None of the fees were I made aware of until it occurred. This company is very shady. Please investigate further.
My XXXX XXXX XXXX account was levied on XXXX/XXXX/16 due to a collection over 9 years ago and I was never served to appear in court. I filed for Chapter XXXX bankruptcy on XXXX/XXXX/16, my account remains frozen and my family 's livelihood is in a critical state with no money. Additionally, on XXXX/XXXX/16 my XXXX XXXX account which is joint with my wife has also been levied. I have already filed for bankruptcy XXXX to repay my debts, unfortunately the attorney XXXX XXXX will not release my funds evern after filing for bankruptcy.
SW CRDT SYS is reporting a collection for an account that has never been validated, has been paid off AND, has re-aged the account to do harm to me, AND is over the FCRA reporting time of 7 years. It was for XXXX. While the account was in good standing I stopped this service. That was over 9 years ago. I had never hear from SW CRDT SYS so I contacted them and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XXXX and that it was last active XXXX. That is false. This single account violates several laws including but not limited to FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX XXXX, XXXX. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, and FDCPA Section 806.
My paycheck started being garnished without warning. I was not given a chance to dispute this issue. I do n't know exactly what company is doing it but on my paycheck it say " Student Loan/ XXXX XXXX '' and then the amount withdrawn from every check. I know by law you are suppose to have been employed for 12 consecutive months before garnishments. That is not the case with me. I am being robbed.
Back in XX/XX/XXXX my account was hacked by someone ordering things from XXXX. They charged over {$1100.00} to my account causing my account to be in the negative. I told Chase bank about this fraudulent charges on my account and sent me to their fraud department. So Chase bank reimburse me back the {$1100.00} dollars and I asked them did I need to pay this back to them or does this belong to the bank. I was told by their representative that it was my money. Fast forward toXX/XX/XXXX I 'm charged back the {$1100.00} which caused me to be negative {$1100.00}. I 've called Chase and they informed me that wish .com put the money back in my account. So I asked Chase bank if Chase paid me and Chase fraud department handled the case then should n't they have got reimburse by XXXX XXXX? How did Chase deposit money that was owed to them into my account? So now they want me to pay off this negative balance that Chase bank wrongly messed up.
They are reporting a company I have never seen or had any interactions with called XXXX XXXX XXXX I previously had a fraud alert on my credit report and currently have a identity theft form and documentation on file as well as a police report. I never had an account with this company or any companies attached to them and this is negatively affecting my credit. I also have a XXXX XXXX account which has been paid and has not been updated. Also a XXXX XXXX  which was paid and I currently have an account with them with the same account number yet it is still reporting negatively. There is also an account named XXXX XXXX, XXXX  which I do not recognize and have never done any business with this company and never had an correspondence prior to this showing on my report.
This debt was paid directly to the medical provider billing company in the amount of {$560.00}. The billing company is XXXX XXXX. The invoice was paid on XXXX. 

I recently discovered a collection for an amount of {$1600.00}. The collection company is : BUDGET CONTROL SVCS IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX I called the collection company and they advised the collection is valid, and that I owed the money. LIED! 

BCS shoud be fined for their deceitful actions. XXXX XXXX notified BCS in late XXXX that my account was paid in FULL. BCS was aware for 41 days of the zero balance, failed to update my credit report, and attempted to collect an additional {$1100.00}.
My daughter wanted to purchase her first car on her own, but even though her credit score qualified, she did not have sufficient income, so I had to co-sign with her in order for her to purchase a car through DriveTime. The information presented during the financing of the vehicle was extremely misleading, because nowhere does it spell out that XXXX-XXXX % of your payments will ALWAYS go to interest, which means you will ALWAYS be upside down on your car loan. Our intention at the time of purchase was to get the car, pay on it for 12 months until she could qualify to finance on her own and then refinance it to remove my name. That will never happen because of the way that they setup the payments and interest. This should be not allowed. These people take major advantage of folks and then leave them hanging with no way out. Additionally, they consider you " delinquent '' on your payment if you are one day late, and no matter who you talk to and notify them of when you will be making the next payment, they call continuously and pretend they have no notes about your payment. Surely something can be done about these people!!!! This is ridiculous. Now my daughter qualifies for a loan on a brand new vehicle with more than one bank, but because of how the loan is structured with DriveTime there is no way for her to trade it in or refinance it. Her only way out is to let the car go back to DriveTime which would immediately ruin her credit that we have worked so hard to establish. These people are crooks!!!!
We sold our XXXX home on XX/XX/2016 our lender was Vanderbilt Mortgage. Today is XX/XX/2016 and they just notified me today that we need to send a letter to the XXXX XXXX homeowners insurance to cancel the insurance because it renewed during the payoff. So they will not release the title until that is done. Ok fine but it has already been past the 10 days that the law states they have to release the XXXX once they received their money ( XXXX ). We have people waiting for their title. The check to XXXX cleared the title companies bank on XX/XX/2016. We never even wanted this home owners insurance company but we were told we had to go with this XXXX, the same with the Lender we were told Vanderbilt mortgage was the only mortgage company that approved us. Well now I realize why, XXXX owns all of the companies they are all part of XXXX. This was a XXXX guess who owns XXXX XXXX Seems quite illegal to me. This company has seemed shady from day XXXX but when you need a house in XX/XX/XXXX you tend to overlook things until it is too late. there were many things not done right during this loan.