WillisBack/dataset-financial-user-claim huggingface dataset:
I recently applied for pre-qualification for a mortgage loan through XXXX XXXX. The XXXX credit score they pulled was almost 100 points lower than what I receive from my monthly XXXX 3-Bureau FICO score monitoring. I expect maybe a few points difference, but not 100! How can I be sure that the credit bureaus are giving me accurate scores to use when I apply for loans such as a mortgage loan? I need to be sure that I 'm being treated fairly by lenders. If I never really know my credit score because their score is always different, then how is that fair to me as a consumer? Please, I need answers. Thanks!
Dear CFPB Agent, I am filing a complaint about my previous mortgage servicer, Seterus Inc. with the business address located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OR XXXX, tel : XXXX, due to the fact i have not received answers to my inquiries and requests for an audit of my account and payments made on my mortgage in 2015. The mortgage servicer did not properly credit my account on a number of occasions XXXX XXXX, XXXX and XXXX XXXX and statements mailed out had errors in them. I contacted Seterus multiple times via phone requesting the corrections to be made and a corrected statement be sent indicating the corrections to ensure proper crediting of my account. As I had not received the corrected statements or any response to my request in months, I followed up with a written request sent via fax on XXXX XXXX, 2015 and subsequently again on XXXX XXXX, 2015. I received a generic letter from Seterus on XXXX XXXX, 2015 confirming the receipt of my inquiry. However, as of today i have not received a satisfactory response and believe the servicer owes me money for the incorrectly processed payments. 
On a separate note, this company has no established procedures for handling client inquiries. When i contacted them via phone in early XXXX to follow up on my fax as of XXXX XXXX, I was told that the correspondence is being handled by a different department and the agents were not able to assist me. Instead they gave me a different fax number. However, I indicated to the agent that the only fax for their company that is known to me is listed on the statement and nowhere on the statement or any mail ever received from Seterus is there a note stating that for correspondence a fax should be sent be to a different fax number. Even the website does not provide any other fax number. How is a client supposed to know if the company does not print accurate contact information on their correspondence with the client. When i brought it up to the attention of the manager on XXXX XXXX, 2015 XXXX XXXX XXXX XXXX, she shrugged it off and said it was not her problem. 
In summary, Seterus Inc should be investigated for the lack of transparency in handling customer inquiries and accountability for their errors. It appears there are no established process in place to handle basic operations such as customer inquiries and no quality control processes to prevent errors in payment processing. 
Unable to resolve my issues and faced with extremely poor customer service for the past 5 years i decided to transfer my loan to another company. Seterus Inc should not be in business.
XXXX XXXX XXXX the original creditor of my student loan from XX/XX/XXXX at XXXX XXXX XXXX in which I have been having issues settling this debt or effectively communicating with anyone that holds this debt. XXXX XXXX XXXX went bankrupt after settling with the attorney generals office in XX/XX/XXXX for XXXX in which my loan was a part of the time period the company was offering kickback to certain universities to steer students to receive this loan. None the less this loan was services by XXXX which probably closed down as well then serviced by Loan Science. Neither companies were satisfied with any solution to rectify the amount even when I was not working and still attending school they still wanted full payment. Loan Science sent me to collection in XXXX with offering very little solutions and with constant communication while I was still attending graduate school. XXXX XXXX was the collection company that held the loan they offered XXXX options to pay off the loan which I could not afford, I brought up additional disputes and that only stopped them from calling but they did not work out any other solution with me. I recently finished XXXX school only two weeks ago and notices coincidentally the calls and letters have started coming again this time from XXXX collection agencies XXXX XXXX XXXX and XXXX XXXX XXXX XXXX which requesting payment to each company on the same debt. Now I do not know which company to work with and I will be contacting Loan Science again to request the original paper work of the original loan and I will also request the same paper work from the debt collectors. I would like a reasonable solution to rectify this loan or find out if my loan may be able to dismissed due to the settlement if not I want a solution that is affordable to my budget. None of these companies in the past have offered any affordable solutions or even had an interest to look into my personal financial situation to come up with a reasonable solution. I recently cleared up my credit and my other federal student loans are in good standing. I do not want this matter to drastically effect my financial future.
TODAYS DATE:XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX Opened XX/XX/XXXX {$900.00} XXXXLast reported : XX/XX/XXXX {$3000.00} Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX v. XXXX, XXXX  XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX   system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX, FL XXXX
I have contacted Equifax three times now disputing a collection account that was to be deleted by request of the collection agency. The latest dispute results states that it is " verified to be mine '' although I have attached the same letter from the collection agency each time stating it is to be deleted. it has been deleted with both XXXX and XXXX without having to investigate. It is completely disregarded each time and I want this deleted as soon as possible.
Called this bank on XX/XX/2016 to confirm what my pay off amount was for my vehicle. They stated {$2700.00}. I asked if i could pay over the phone. They said no, you have to come in or mail a check. I mailed a check for {$2700.00} to include the extra day that it would take to arrive. I checked my loan information online, 5 days later and the balance is not only NOT paid in full but the balance shows now {$3700.00}. I need the title to my vehicle as well as a {$2900.00} refund from their insurance that I did not use. They are stealing my money.
Re : Acct # XXXX, XXXX To Whom It May Concern : This letter is being sent to you in response to your attached letter. This is not a refusal to pay, but a notice that my claim is disputed.Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. -- The term ''breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XX/XX/XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 
Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 15 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of ( name of your State ) medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages.
Problem Setting up Bill Pay via Chase Online - ThiS is similar to complaint but involves Chase Bank USA. Received an auto loan from XXXX XXXX XXXX XXXX. Got loan on XXXX XXXX, XXXX and the first payment is not till XXXX XXXX, XXXX. Having just finished with a bankruptcy plan I wanted to get payments started around XXXX XXXX. I called and they would not back up first payment date from XXXX XXXX and then I wanted to make a payment early and none of their automatic payment features allowed me to make a partial first payment ( except mailing a snail mail check ). Which I did and I have now already seen how consumer unfriendly this XXXX finanical institution is and how high the fees will be to make a same/next day payment. So then I logged onto my Chase USA checking account o start an auto debit through the bill pay and Chase did not have them as a an available bill pay vendor and said they would have to send a paper check to XXXX. Really? This is a big banking corporation - previously XXXX or another. The all seem to be in cahoots as they want you to pay a HUGE fee to pay a simple interest loan - in which every day adds on more interest. Really come on - this is not proper ; how are folks supposed to get on the right financial path when BIG banks continue to take advantage with huge payment fees. How is making a payment so expensive and not immediate debit/processing when paying your loan early or before a due date. I have mailed a check today XXXX/XXXX/XXXX and lets see how long it takes to post to my account.. I am very upset with XXXX and Chase ( since unable to autodraw from checking account ) while they have automated electronic check payments with EVERYONE. Account number XXXX XXXX, XXXX XXXX
Transunion customer service would not help and take care of the negative inquiries reporting to my credit report.

XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX , XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
On XXXX XXXX, 2015, I submitted payment of {$14.00} in a cashier 's check # XXXX to XXXX XXXX XXXX to payoff lease vehicle. It 's been forty-four days and Toyota Financial Services has not updated my credit report to show the account has been paid in full with a XXXX balance. The account is listed under XXXX XXXX and XXXX XXXX, as co-signer. I have filed several disputes with all XXXX CRA and the company has not complied. I would greatly appreciate your assistance in this matter ; and request a full investigation into the conduct of this company for failure to report.
Hello, I have a collection account from XXXX that was slated to drop off of my credit report soon, because we 're coming up on 7 years. 

About a year ago, my credit score dropped and XXXX, whose credit monitoring service I use, told me it was because of a new collection account. 

It is the same collection that was slated to drop off, but now it says that it was opened XXXX/XXXX/XXXX. 

XXXX XXXX was the original creditor. They charged me a ton of money in overdraft fees and I could n't afford to pay it. 

I have attached more info regarding this debt. I think it 's unfair that a collection account that is scheduled to drop off has been reactivated, with a corresponding hit to my credit score. It sounds unethical and possibly illegal. 

Thank you. 
-XXXX
XXXX   XXXX ,    2016  {$240.00} I called and had this settled and paid off. I cant remember the person I spoke to but I asked before I pay this settlement will it be removed from my credit. The rep told me yes but she lied. Then I tried to call back and they told me that they never told me that, they send it to credit bureaus as pay as agreed. This needs to be removed because it has been paid off and I was told that it would be deleted off my credit
SLS will not provide me with online statements so that I can see where the numerous fees they attached to my mortgage payment are being applied. Initially they stated it was because my mortgage was behind ; however I have since caught it up. They continue to increase my monthly payment and with me not having access to documents online I feel I am being taken advantage of currently. Not to mention how many late fees they were able to charge me for months.
Back in XXXX I stopped paying my mortgage because of a medical condition caused by my XXXX, which caused me to XXXX and not remember to pay bills. I missed my XXXX payment, paid in XXXX, and stopped paying through XXXX of XXXX. I received a letter from XXXX in XXXX and my husband opened it and made me call to make arrangements to pay the months that were missed. The letter stated that if they did n't hear from me within 30 days that it would go into pre-foreclosure, and even though I called within the 30 day window, the told me that it had been sent the day before and they would n't accept any payments. At that point I had all of the money in my account to pay the back balance in full ( over XXXX in my checking account ) but they refused to accept my payment. I was told that someone would be contacting me to make arrangements to stop the foreclosure proceedings. In XXXX I was contacted and they told me that I could resume making normal payments again but only in the amount due and only by check through the mail, so from XXXX through XXXX I did that, and starting in XXXX my husband took over the finances to make sure that everything was paid on time. I signed a Loan Modification Agreement, and the person that I talked to on the phone said that there was nothing they could do about reporting the late payments from XXXX but that once the paperwork was signed, that the foreclosure proceedings would be removed. From XXXX XXXX until we sold the house in XXXX of XXXX we never missed another payment, and no foreclosure paperwork was ever filed with the court. When we went to get a approval to buy another home though, they were reporting my payments late until XXXX of XXXX, so we had to wait at least until XXXX of XXXX before we could get approved. I sent the credit bureau 's paper work with bank statements that showed that each one of our checks cleared from XXXX XXXX to XXXX XXXX, but XXXX XXXX came back and said that they were reporting accurately. With that being said, we tried again in XXXX, and now the credit reports show XXXX lenders XXXX XXXX and The Money Source both reporting during overlapping times, and now it shows up as a foreclosure from XXXX XXXX through XXXX XXXX. We could n't do anything at that point, so we tried again in XXXX of XXXX and now the foreclosure is reporting through XXXX XXXX. XXXX is reporting the foreclosure and The Money Source is reporting late through that whole period at the same time. We first had to prove that it was n't a foreclosure and that there was only one company servicing the loan, they are both the same company and when we did the modification they changed who serviced it from XXXX to The Money Source and every time we dispute it, the issue gets worse.
Countrywide Bank dba Bank of America has engaged in breach of contract and is attempting to defraud me and my domestic partner XXXX XXXX of our home by means of a false and deceptive Deed of Trust. 

In XXXX, we applied for a {$200000.00} loan from Countrywide Bank in the form of a HELOC. The {$200000.00} loan was secured by a Deed of Trust. In XXXX, Countrywide Bank dba Bank of America froze the HELOC and has refused to reinstate it, thereby breaching the contract. We have stopped paying on the HELOC and Countrywide Bank dba Bank of America is now threatening to foreclose. 

The Deed of Trust secures a {$200000.00} loan, which Countrywide Bank dba Bank of America has failed to deliver, thereby failing to fulfill its contractual obligations. Furthermore, the Deed of Trust is null and void because it fails to name a lawful beneficiary and falsely and deceptively names MERS as the beneficiary. 

We have rescinded the Deed of Trust and hereby request that the CFPB ask Countrywide Bank dba Bank of America to cease and desist from foreclosure-related activity. The following documents are enclosed : a ) Demand to Cease and Desist ; b ) Rescission of Deed of Trust ; c ) Notice of Rescission of Deed of Trust. To minimize paperwork, pages from the Deed of Trust are not included with this complaint. 

Sincerely, XXXX, WA XXXX
Dear Sir or Madam : Experian is requesting email addresses for a purported " FREE Dark Web Email Scan '' at XXXX : //www.experian.com/XXXX I understand they are also running TV commercials to advertise this service. This is blatant false advertising because it 's literally impossible to scan the dark web for an email address in any meaningful way. Presumably they could check a few sites which are known to them, but would never know where to find the others or how many they 're missing. They claim that this scan " gives you the knowledge you need to act '' but this is a false and deceptive assurance. 

In a since-deleted XXXX thread ( formerly at https : XXXX ), a user proves how deceptive this ad is. He knows that his information is on a particular dark web site, but the scan did not find it. Apparently the scan is pulling its data from https : //XXXX/ which is a free and public service by the XXXX individual XXXX XXXX. 

Please investigate this matter as soon as possible so that Experian does not have a chance to further victimize people who are trying to keep their information private. 

You may wish to note that I previously submitted the above as a complaint to the FTC, and they recommended that I submit this complaint to the CFPB as well. 

Thank you.
Tried to get free credit report and it stated that I requested report on XXXX/XXXX/15 which I did not
TD Bank is where I have my checking account for my small business. 
The nature of this complaint is that TD Bank has deceptive online accounting processes that purposely inflate your actual " Available Balance '' which allows XXXX to over-write checks or over-make online bill-payments or over-withdraw from ATMs which then encourage you to dip below their monthly minimum balance of {$1500.00} to avoid paying a $ XXXXmonth fee if you EVER ( even for 1 minute ) dip below a balance of {$1500.00}. The gist of the issue is the following : Your main " Available Balance '' is always higher than it actually is if you use their online Bill Pay system which is outsourced to a 3rd party vendor. Why is this? Because when you make an online Bill Pay, they do not immediately debit your account for that amount for 5 days! Yes, 5 days! Why it is not instant is beyond me. Even if the funds are n't debited, your " Available Balance '' should reflect all of your online Bill Payments in real-time or at least within hours. To lag 5 days encourages you to always see that you have more money in your " Available Balance '' than you do. The net effect of this is that I have often dipped below my {$1500.00} minimum balance and been charged a $ XXXXmonth fee for doing so. The fee is charged whenever - even for a minute - your balance dips below {$1500.00}. Well if the online messaging shows " Available Balance '' AND shows that your Bill Pay status is PAID, XXXX would think that your " Available Balance '' amount would be accurate. Yet, each online Bill Payment has a 5 day lag. I have notified TD Bank of this sleazy accounting and they have done nothing. 

I have uploaded 3 screenshots with a date and time on the first XXXX. 
1 ) The first screenshot shows my available balance of {$4500.00}. It also shows no mention or accounting for a {$1000.00} payment to XXXX on XXXX/XXXX/2017. 
2 ) The second screenshot shows NO PENDING PAYMENTS of any kind within my Bill Pay section of their system. 
3 ) The third screenshot shows that my XXXX {$1000.00} payment ( made on XXXX/XXXX/2017 ) status is PAID, but wo n't be delivered for 5 days! This amount is NOT reflected in my " Available Balance '' for 5 days. This goes for every bill pay I make. So the more online Bill Pays you make, the more often you risk over-withdrawing, over-check-writing, or over-bill-paying and dipping below the monthly minimum balance of {$1500.00} needed to avoid a monthly fee of {$25.00}. So the more you transact, the more chances you have of dipping below {$1500.00}.
My husband and I paid over $ XXXX to have a new floor and special grout installed in our new home. We prepaid all, as required and signed the contract that Home Depot does not in turn honor. I paid an extra {$700.00} to get the pattern laid called XXXX. To make a long story short-I was bullied and told that the installer would refuse to lay in this pattern. He instead left my house and job. After I called Home Depot regarding this-they called installer and told him to return. For the next 3 days he laid the tile. We also had paid another company to drop off base molding and paid to have HD install it also. They did horrible job at installation of the floor and baseboards. I have loads of pictures proving my case. Floor is horrible as is the base. HD solution : give me {$500.00} credit. Nope! So I am currently enlisting all agencies to help me dispute this home depot citibank claim for {$4700.00}.