WillisBack/dataset-financial-user-claim huggingface dataset:
CFPB Case Number XXXX, one of the numerous complaints that I 've made about erroneous errors on my credit report since this past summer. My initial complaint was about XXXX and the uncooperative nature in trying to fix the errors they made. However, even after the compliance of the CFPB requests by XXXX, Equifax will not correct the errors. I 've asked that Equifax delete all of the late payment history for the mortgage held at XXXX XXXX XXXX. The current payment information listed was NOT part of my credit report prior to XX/XX/XXXX and is false. The XXXX debt was paid in full in XX/XX/XXXX. It was only when I purchased a new home in XX/XX/XXXX did I discovered that XXXX made an error in the comments section of which insinuated that I sold the property via a short sale which was a false statement. The other reporting agencies thus far have made the corrections by removing the false statement and keeping the correct payment history which reflects a current payment history. Only Equifax at the moment is not correcting the error. Attached I have included various letters from XXXX and a few pages from the Equifax Credit report plus their case reply. The letters ask that I wait 90 pus days for the corrections to occurs, but now frustratingly, both XXXX and Equifax are asking me to contact each of the XXXX firms to ask that the other party fix the error ... .hence my new request to CFPB. I 've been pretty persistent in trying to get a reply out of Equifax but they keep sending to a call center in the XXXX or some place in which they have different standards, codes of conduct and show little regard to the issue at hand, for they only want to sell me anther product. I did fall their last pitch because I was forced into purchasing a new credit because as you can appreciate, I have more than exceeded my free reports in my quest to correct the data.
This is not directed specifically at Residential Credit Solutions ( RCS ), XXXX XXXX, Texas, rather the regulations as outlined in RESPA and the spirit behind the mortgage transfer rules. 

My loan has been transferred to XXXX. RCS sent a letter dated XX/XX/XXXX. The letter arrived at my residence on XX/XX/XXXX. The transfer to XXXX was effective on XX/XX/XXXX. The notification by RCS of my transfer arrived just 9 calendar days ( not work days ) before the transfer. 

In the response that I received from RCS, they claimed that the letter was mailed on XX/XX/XXXX and that they are not accountable for transit time via the U.S. Postal Service. 

Unfortunately, RCS sends their letters presorted, so there is no/no postmark that is recognizable to me. It is incredulous to think that a letter required XXXX calendar days to reach my home. By way of example, I received a letter from RCS on XX/XX/XXXX that was dated XX/XX/XXXX. That took only six ( 6 ) calendar days. 

The spirit behind RESPA is to ensure fair and reasonable treatment by mortgage servicing companies. Receipt of notification that my mortgage would transfer to another company XXXX calendar days before the transfer is unsatisfactory. 

As a consumer, a minimum notification of 30 calendar days in advance ( letter in hand ), seems reasonable and fair. If this requires a mortgage servicing company to send the letter 45 days in advance ( 15 days transit time ), then that should be the rule. 

By the way, this is the XXXX mortgage servicing company that I have had since the mortgage was originated in XX/XX/XXXX/XX/XX/XXXX. Hard to believe that In 3.5 years, I 've had XXXX different companies. It took months to resolve issues with RCS and I suspect the same with XXXX.
I received the FIRST notice of the debt on XXXX/XXXX/2016. Before I could even dispute this debt I received A wage attachment hearing notice on XXXX/XXXX/2016. I never received notice of judgment or lawsuit on this debt. I do not even know what this debt is for? Not even sure this debt is mine!
On XX/XX/XXXX, all my ( hundreds of thousands of ) American Express Membership Rewards ( MR ) points were frozen, per telephone inquiry advice of 2 MR representatives and a supervisor. They explained that the freeze would last up to 8 weeks for a " spin review. '' They said there was no way of knowing why my account was selected for review ( though I've been in good standing with AmEx since opening my account in XX/XX/XXXX ), and that there was no way to expedite the review and allow for my wife and I to secure airline award ticketing of limited availability for our 30th anniversary/retirement. 

The freeze also looks to result in an effective forfeit of 125,000 MR points. It happened immediately after successful online transfer of XXXX points to my linked partner airline frequent flyer program ( XXXX ), and prevented transfer of XXXX points to my wife 's linked XXXX frequent flyer account. I'd have no reason to travel with XXXX without my wife on this trip. 

The MR supervisor said she'd ask her " backroom '' to ask XXXX for my XXXX transferred MR points back from XXXX, but they now belong to XXXX and MR has no right to have the request granted. 

Furthermore there is no information available online indicating anything other than our MR account is in good order, and I have and was told by MR representatives I may not receive anything in writing about the status of my MR account. The supervisor said that I am best not to attempt any further online transfer of points, because that will only cause the " spin review '' to last longer. 

My American Express / MR account web page nonetheless continues to recommend redemption of my points for numerous awards. 

Had I not made a call to MR after attempting transfer of MR points to my wife 's linked XXXX frequent flyer account ( which triggered a pop up notice that the transfer can not be made at this time pending account review ), I would never in my wildest imagination thought that there would be anything more than a short ( 20 minute - 1 hr ) review -- let alone an 8 week review, and that all my reward points were frozen -- not just those I tried to transfer. 

The MR supervisor said she sent a " complaint to corporate, '' but could send me nothing in writing about it, could not identify who/what is " corporate, '' and could not tell me if I would get a response. 

There is also no information about a " spin review '' in any contract terms have with American Express, or any discussion of freezes of MR points. 

I ask that you do what you can to resolve this unacceptable situation, which has taken it's toll. 

Thank you.
I took out an installment loan XX/XX/XXXX. I had my first job out of college and had no credit history. OneMain financial took advantage of me, as I was not clear about the loan terms and what I was getting myself into. When I asked for explanations on my payments, I was treated in a very disrespectful manner. 
Fast forward ten years to XX/XX/XXXX. I fiscally and credit educated, and in the process of checking my credit reports for misinformation. It was at this time, I noticed the error on all XXXX reports from XXXX, XXXX, and XXXX. 
This loan first went delinquent XX/XX/XXXX, which meant this should have been removed from my credit history. I immediately reached out to OneMain, who stated they had nbo record of my debt, and it was most likely sold to a third party collection agency, such as XXXX XXXX ( which was removed at the appropriate time ). They were unable to validate my debt, but they reported the charge off delinquency in XX/XX/XXXX. I brought this to their attention, and they stated there was nothing they could do. 
I contacted all XXXX major credit bureau 's immediately and filed official disputes, requesting removal due to : -Reporting of misinformation -Unable to validate debt I also sent OneMain a certified letter via USPS, with the same request. I included copies of my credit report, which ( OneMain is reporting ) shows the bad information. The dates they report, along with the amounts not only are incorrect, but do not come remotely close mathematically, which proves the errors. 

In goodwill, I have requested validation, and removal on multiple occasions, via Fax, email, certified mail, in-person, as well as phone. I was recently contacted by the executive office in regards to the complaint I filed with the Better Business Bureau, but have yet to receive any response to my requests. 

I am now filing a formal complaint with the CFPB, because it is clear that OneMain is actually aging my account in order to prolong reporting to the credit agencies. I did advise them that I am a resident of Oregon, and the statue of limitations on debt is six years, as well as the requirement to report correct information, validate debt when asked, comply with regulated debt collection practices, and remove all negative information after seven years.
I have asked Pinnacle Credit Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
they are charging me more than i received and they charged me {$100.00} for the first months interest and its not even the first month
REPORTING FRAUD ON TH E   XXXX   MAJOR CREDIT REPORTING AGENCIES. 1.  XXXX    XXXX   XXXX   XXXX   XXXX  , TX   XXXX   / 2. EQUIFAX   XXXX   XXXX   XXXX   XXXX  , GA  XXXX . 3.   XXXX     XXXX   XXXX   XXXX   XXXX  , PA  XXXX  / THE MAJOR CREDIT AGENCIES KEEP REPORTING THAT MY MEDICAL BILLS HAVE NOT BEEN PAID BY THE   XXXX   XXXX   XXXX  . I BECAME  XXXX  IN SECOND MONTH OF  XX/XX/XXXX . ALL OF THESE MEDICAL BILLS WERE PAID UNDER MY   XXXX   XXXX   XXXX   XXXX   XXXX  . PASS AND PRESENT. 1.   XXXX   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER  XXXX  / DATE OF BIRTH  XX/XX/XXXX  / 2.   XXXX   XXXX   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER  XXXX  / DATE OF BIRTH XX/XX/XXXX  / 3.   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER  XXXX . ( ( ( I AM   XXXX   XXXX   XXXX   XXXX   ) ) )
Experian has previously been notified of items reporting on my credit file that are fraudulent. They have ignored my request to block the reporting of the fraudulent information. I have provided notification of which accounts are fraudulent, i have advised which credit inquiries are fraudulent. I have sent my identity verification and i have sent the FTC identity theft report to them. I have sent everything i am required to send under the FCRA and i expect full compliance with the FCR A 605b which mandates that credit reporting agencies must block the reporting of the fraudulent accounts. This is the excerpt of the FCRA 605B ( 15 U.S.C. 1681c-2 ) .A consumer reporting agency must ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in  the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than  4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating t o any transaction by the consumer.
I have been trying to pay this loan off since XX/XX/XXXX. My mother was paying it off for me we sent the info needed and her bank released the money they thought it was a fraud at first. But this company says its declined. I tried to pay today with my paycheck card and they say it declined which is not true the money is there. Everytime Ive tried they say it doesnt go through. They are charging me XXXX everytime they say it declines and a XXXX late fee every two weeks. So my loan that was XXXX is now XXXX.. of course they dont want you to pay it off
On XX/XX/XXXX, I purchased a 3 year / 36,000 mile lease on a new XXXX XXXX XXXX with 2 additional lease protection items : BMW Tire & Wheel Protection with cosmetic repair, and, Excessive Wear & Tear Protection. 
I purchased my lease through BMW Financial Service at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, PA. 
My down payment was {$7300.00}. 
The additional costs of the Tire & Wheel protection package was {$1500.00} and the Excessive Wear & Tear was {$1700.00}. 
On XX/XX/XXXX, I ran over a pot hole that caused significant damage to the driver 's side front tire. 
On XX/XX/XXXX, XXXX XXXX XXXX informed me that the damaged tire would have to be replaced, and was covered by the Tire & Wheel Protection plan ( subject to a {$50.00} deductible ), and that my other 3 tires would have to be replaced as well, at a cost of roughly {$1400.00}. 
As of XX/XX/XXXX ( when my vehicle was towed to XXXX XXXX XXXX for repair ), the mileage on my vehicle was XXXX miles. 
My vehicle and/or tires are defective. 
I have less than 10k miles ( in 17 months ) and I am expected to replace all of my tires because of damage to 1 tire. 
My 3 year lease includes 36,000 miles. If I have to replace all 4 tires, every XXXX miles, that is {$4200.00}. Adding that cost to the cost of the protection package ( {$1500.00} ), then the costs for tires alone, over the term of my lease is {$5700.00}. 
BMW NA advertised my new vehicle lease through BMW Financial Services, as " No-cost maintenance ''. 
Spending {$5700.00} for tires over the course of my 3 year lease is significant cost, not " no-cost ''. 
XXXX XXXX XXXX took off the cost of 1 tire 's replacement, so my bill for 2 tires + {$50.00} deductible was {$730.00}. 
I have contacted BMW NA and BMW Financial Services and have not received any appropriate responses. 
While BMW NA did not manufacture my tires ( XXXX did ), they did manufacture my car, and the tires that came with my car were at their discretion, not mine. BMW NA and BMW Financial Services have deceived me into purchasing defective products with no recourse other than to fulfill the terms of my 36 month lease. 
Defective products and false advertising were offered to me with no suitable recourse other than to continue paying exorbitant charges and fees on said defective products. 
BMW NA and BMW Financial Services ( my lease agreement ) are behaving irresponsibly and acting in bad faith. 
It is not appropriate for a " new vehicle no-cost maintenance '' 3 year lease to incur {$5700.00} in additional costs for tires. It is unacceptable.
Got a call from XXXX and someone named XXXX was on the phone, he stated that I owed money to his client and that they were trying to collect on it. When I asked what client, XXXX stated that I was notified by mail awhile ago and ignored the notification. I asked him again what was the name of the client so I could verify if I got the notification or not ; he refused to give me the information. He then asked me to verify my full name and address and he would send me out information related to what he was talking about. I refused to give him the information and at that point he advised me to have a great " XXXX '' day and hung up on me.
I 'm at my wits end with these credit bureaus! I need help from someone before I get my attorney involved! I have accounts that are being reinserted on my file that were deleted previously. Some of them have been deleted and then reinserted and then deleted and then reinserted, etc. Each time they reinsert, I write to get them removed again. i am a victim of identity theft and all of these accounts were on the police report. I am so tired of this. At no time EVER did they notify me of the reinsertions, therefore, they must be removed solely based off of that! You will find the disputed accounts in the attachements.
On XX/XX/XXXX I submitted a dispute with TransUnion. It is now XX/XX/XXXX and TransUnion has still not completed the investigation nor will they allow me to dispute anything else on my credit report. In fact, the TransUnion website states the investigation will not be completed until XX/XX/XXXX. This going on 3 month investigation has greatly affected my credit score as I have a school lender reporting inaccurate information on my credit report. By TransUnion refusing to allow me to dispute anything else on my credit report, they have directly caused my report to drop by over 150 points. In addition, TransUnion is adding additional accounts and keeping old accounts open under the SAME LENDER despite having only 1 account that I can not dispute for the reasons stated above.
I am being called almost every hour in regards to my account that is 4 days past due. The calls are being placed to my mobile number all day some even minuets apart. For example today XX/XX/2018 the most recent calls that this company XXXX XXXX XXXX has called me at are as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. This is happening everyday and starts as early as XXXX up until XXXX. At times almost XXXX times in one single day. I have proof from my mobile provider of such calls.
M & T Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I opened an American Express corporate card account in XXXX XXXX. The card has no annual fee however I enrolled in AMEX membership rewards program and paid an annual participation fee of {$75.00}. I also paid AMEX a fee of {$39.00} on XXXX occasions to " reinstate '' previously issued points. Since opening I have accrued approximately XXXX AMEX points with a value of approximately {$2800.00} ( XXXX point = {$0.00} in purchased travel ). In XXXX I was contacted by American Express regarding suspected fraudulent use of my card by someone in another state. I confirmed that the charges were not mine and American Express replaced my card. I was promised that everything including my rewards membership would stay the same, however it appears the new card was not enrolled in membership rewards at that time. Since that time I believe I earned approximately XXXX AMEX points however these were not credited to the new card. When I tried to use my points I contacted American Express and they informed me that I have XXXX point balance and they are unable to reinstate my points. This appears to violate zero Liability for fraud guarantee from American Express. My card replacement occurred due to fraud through no fault of my own. American Express zeroed out my point balance after I paid them over {$1000.00} in fees just to maintain my points membership. My account has remained in good standing the entire time. Please help reinstate my membership rewards points XXXX lost from XXXX and XXXX from mid XXXX until now.
I checked my credit report from Equifax, XXXX and XXXX. I have also submitted disputes with each CB but nothing has been deleted and it's really stressing me out. When i contacted XXXX 's on XX/XX/2018 to take care of the past due balance, the collections supervisor stated verbatim that the negative XXXX 's trade-in would be redacted and deleted within 30 days, which would be by XX/XX/2018. However, as of XX/XX/2018, the negative balance has NOT been deleted and still reports on my credit report. Screen shot attached.
I opened a savings account with M & T Bank here in XXXX and was not told that a service fee of {$15.00} a month would be bank taken out of my account if I didn't keep a minimum of {$2500.00} in my account. I hadn't touched my savings account since XX/XX/2017 and until now this bank has been charging my account up to {$500.00}. so far. I hadn't noticed on my statements until now of such a fee for having my money in a savings account for safe keeping. I called the bank to ask to them to put my money back but they sais they would give me {$60.00} of it because it wasn't the banks fault or error. I said it is the banks error because I wasn't told such rule. I said if I knew of this I would have either kept {$2500.00} in my account or I would had closed out the account all together.
I was attempting to open a online investment account with ( XXXX ) Investment services. after the final step which required me to apply my bank Routing number.The online investment service contacted me stating the my Bank, CAPITAL ONE is blocking me from attempting to have access to my Bank external information. After contacting my Bank Capital One i was told that i can not have access to this information, when i questioned that decision. i was told that maybe its because i have a " FRAUD '' alert on my account. What does a Fraud Alert has to do with me opening a online investment account?
I keep getting phone calls to my cell phone my wife and daughter get them as well looking for my from a company claiming that they are sending a process server ( but they never do ) and when I call the phone number given to me by the " process server '' a man will answer the phone saying " Legal Services '' but never gives the name of the company, once I give this man my " reference number '' he pulls my account up and says begins to say that I owe over {$3000.00} for an XXXX XXXX Credit Card account that I paid off over 6 years ago, the man will go on to say that unless I can prove this he will have no choice to take legal action and I can appear in front of a judge or pay make payment arrangements on this " {$3000.00} debt '' I then proceed to ask him for a Verification of Debt and he said that that was also my job to prove the debt is valid not his, after going back and forth about whose job it was to provide the VOD, he hung up on me, and the calls just wo n't stop and as a consumer I know it 's my right to be provided with a VOD and still have yet to receive one, also have looked up the toll free number and have found that numerous people are having the same issue with the very same people.
On Friday, XX/XX/XXXX I was alerted by my email that my XXXX XXXX XXXX account closed. So I notified Ally right away to figure out the problem with my account. They said I made to many transactions on my card which by law, they were force to close it. So I had no way to access my {$2000.00} remaining balance to pay bills. Which I relied heavily on. 

After speaking with a customer service representative that Friday, XX/XX/XXXX evening, he explained that my check would come in 7-10 business days. That never happened. Its XX/XX/XXXX and I've been speaking with Ally customer service reps/managers everyday and they have the same responses and same excuses. The point is I've been waiting for my check from Ally for 2.5weeks. They made me file a Affidavit today ( XX/XX/XXXX ) and said theres nothing they can do. They cant XXXX mail it to me and my rent is almost 2 weeks late.