WillisBack/dataset-financial-user-claim huggingface dataset:
This is a complaint against ALL XXXX credit reporting agencies. 
I have reached out to all three credit agencies ( XXXX, Transunion and XXXX ). As well as contacted XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and the original Creditor who was to finance a possible car loan, XXXX XXXX XXXX. 

No one responded to me, except XXXX and Transunion. I completely disagree with all three credit bureaus as they refuse to combine the multiple inquiries from one company ( XXXX XXXX XXXX ) which MUST be combined, when done within the same time frame for the XXXX company. 

This is causing me a HARD INQUIRY on my report. XXXX to be exact. These are duplicate entries that the bureaus MUST delete. I understand that XXXX and all of its affiliates may not use the same data for each credit inquiry, nonetheless, it is XXXX transaction, which was split. I request that XXXX, Transunion and XXXX combine all the Auto Credit HARD Inquiries on my account. They have the same for my husbands account which is not right. 

Below is what was in the letter, sent my certified mail, a response was received last week from XXXX and Transunion stating there will be no change. 

Acct XXXX : Hard Inquiry : Listed XXXX times by XXXX with different banks, dated XXXX/XXXX/2014 and XXXX/XXXX/2014 which should only be listed as XXXX hard inquiry. I said we were not interested any more in purchasing a vehicle and XXXX XXXX and his XXXX XXXX XXXX insisted on calling every day to finance us with a used car. I have also contacted their company with no response. XXXX XXXX XXXX ( Dated : XXXX/XXXX/XXXX ) should be the only one listed with the next XXXX as XXXX inquiry. Please see all the inquiries below and the date they had banks review my credit. 

XXXX XXXX XXXX XXXX, 2014 XXXX XXXX XXXX XXXX, XXXX XXXX F XXXX XXXX, 2014 XXXX XXXX XXXX XXXX, 2014XXXX XXXX XXXX, 2014 XXXX XXXX XXXX, 2014XXXX XXXX XXXX XXXX XXXX, 2014 XXXX XXXX XXXX XXXX XXXX, 2014
There is significant threat. Debt collectors and identity thieves called my number [ automated ] and requested that I call their number. It is collection method and typical corruption. I suspect securities fraud/organized crime which has some behaviors and/or actions of insider trading or tax evasion. As a reminder., the call came in exactly at XXXX on XXXX XXXX, 2016. Never forget that someone [ who bribed agents ] got away with the same kind of evasion on XXXX XXXX, 2016. You remember? That is or exceeds {$680.00} XXXX in discrimination/extortion damage. I might contact the Do Not Call Registry if my suspicions or dislike to the FTC counselors would not totally XXXX [ procurement ].
i purchased my home in  XXXX   XXXX  which was financed through  Homebridge  with a VA mortgage. Initially my piti payment was  XXXX  then in  XXXX  after escrow analysis my payment went up to  XXXX  now again in  XXXX  they have increase my  PITI  p to  XXXX . This is an extra  XXXX . / year they are collecting from us now when our property taxes have only increased by {$1500.00}. I have called HomeBridge several times during this month -  XXXX   XXXX  - for a response to why they have increased our payment so much. They sent us another projected escrow analysis which is not even correct. no one will call y ou back from the escrow department and customer service department can not transfer you to anyone to discuss either. This is a serious financial hardship for a family of a  XXXX  vet when you purchase a home with a fixed rate mortgage and you are being over charged for your escrow with your monthly mortgage payment increasing {$450.00} over 18 months and No One will discuss this with you to verify why. I am reaching out for some assistance and to have our escrow reassessed so we have a more accurate monthly payment.
Wells Fargo has consistently been posting my mortgage payments incorrectly. I keep my mortgage paid ahead and every month they apply my monthly payment to the principal. I pay extra towards the principal separately. I had been paying XXXX a month extra and last month started paying XXXX a month Every month I have to call them to update my payments correctly. The last phone call was this morning and nothing has been updated on their end. My next mortgage payment is not due until XXXX and according to their website. It is showing the last payment being received on XXXX/XXXX/15. I understand that the payment I made today wo n't post for a few days. I am frustrated with Wells Fargo.
Citibank has attempted to defend its actions in this matter by reliance upon the Expedited Funds Availability Act. That defense is only tangential, not central, to the current claim. 

In this instance, when I attempted to deposit the counterfeit cashier 's check ( copy attached ) ostensibly drawn on XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) in a Citibank ATM at XXXX XXXX XXXX XXXX, XXXX XXXX, the ATM rejected the check. I then approached a teller at that Citibank branch location and indicated to him that the ATM had rejected the cashier 's check and asked whether the teller would accept deposit of that same counterfeit cashier 's check. 

As noted by XXXX XXXX, General Counsel for XXXX, in his email of XXXX XXXX, 2015 ( copy attached ), any bank teller with the requisite training in detecting counterfeit cashier 's checks should have immediately known that the check I presented for deposit was counterfeit. In this regard, as XXXX XXXX points out, legitimate cashier 's checks have " a tracking number which is not present on the check presented to Citibank. '' In addition, as noted by XXXX XXXX, legitimate cashier 's checks bear the telephone number of the issuing institution ( which the counterfeit check did not ) and the check in question bore a suspicious " security features box located on the reverse side. '' Therefore, Citibank 's act of accepting the counterfeit cashier 's check, which their employee ( the teller ) knew had just been rejected by Citibank 's own ATM machine, was, at best, gross negligence, and the teller who accepted the check was either completely untrained in fraud detection by Citibank, extremely reckless, or knowingly and intentionally careless in his actions. The fact the I was given immediate credit in my account for the counterfeit cashier 's check merely compounded the grossly negligent and reckless behavior of Citibank and led to their loss - - which they are now attempting to pass on, unlawfully, to me. 

Under the circumstances, Citibank should be made to suffer the entire loss in the amount of {$1900.00}. Instead, Citibank has, as they admit, closed my account and has also notified other banks to not do business with me, thus preventing me from opening a new account elsewhere and further damaging and injuring me in my personal finances, reputation and credit.
2 years ago my property was foreclosed on. I spent over a year trying to get a loan modification because my interest rate was 11.25 % Wells Fargo locked my account where I could not make payments thus putting me behind. Trying to save my home I contacted Wells Fargo numerous times to be told my mortgage had been sold to a private investor. They refused to tell me who the investor was and foreclosed on my mortgage
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

The 2 cards are as follows Chase Opened XX/XX/XXXX Closed XX/XX/XXXX Chase opened XX/XX/XXXX closed XX/XX/XXXX XXXX
I just recently was switched from XXXX to FedLoan Servicing after qualifying for the Public Service Loan Forgiveness program. Since switching, I have had nothing but confusion, anger, and frustration with FedLoan. The customer service is poor to nonexistent. I have submitted tickets through email at least 4 times in the past week, and none of them have been answered. The links on their website are broken. After I paid a past-due amount ( late due to confusion on when my payment was due, how to pay, and questions of the like that were submitted WELL before my due date ), I am still in delinquency days after paying. This is affecting my credit score, my bank accounts, my life! I suggest that the Consumer Finance Bureau follow this link : XXXX a testament to the MANY of people who are continually being ignored and, quite frankly, XXXX by FedLoan. At this point, I feel like taking legal action because of how difficult this has been, and it has been under two months since I have been with them. I can not imagine another ten years of this! At this point, I wish I had n't ever applied for PSLF and had stuck with XXXX. Avoiding FedLoan Servicing may have been worth the extra thousands I may have saved if I had never qualified for PSLF, which is so unfortunate. Redo the website. Process payments faster. Get better and more customer service. Lay out clearly when payment are due, penalties, defaults, etc. so that people understand their loan repayment. PARTNER WITH XXXX, WHO MAKES THIS ALREADY XXXX PROCESS QUICK AND EASY! Down with this horrible, scheming, behind-on-the-times company!
My account was unexpectedly limited and shut down without warning. I contacted PayPal and they said I violated the terms and conditions even though I did not.
I purchased a vehicle from a dealer, XXXX XXXX in XXXX, VA, on XXXX/XXXX/XXXX ( XXXX XXXX XXXX ). I was in a rush to purchase a car after my auto ( XXXX XXXX XXXX ) was stolen outside of my apartment complex in XXXX on XXXX/XXXX/XXXX. The financing was taken care of at the dealer, and TD Finance was the lender. Two months later I realized that the rate on the loan was not very favorable so I decided to " re-finance '' with my employeer, XXXX XXXX XXXX. I entered into a contract with XXXX XXXX XXXX on XXXX/XXXX/XXXX and was told that while the rate was less, I would have to come up with {$750.00} as they would not re-finance the amount owed given their lending parameters. Doing the math, I still came out ahead so I sent in the funds to TD Bank, showed proof to XXXX XXXX XXXX, and the loan was established. Several months later, I notice I am still getting statements from TD Bank stating that I owe a balance of roughly {$980.00}. When I called TD bank to inquire, I was told that XXXX XXXX XXXX never received an authorized " payoff '' amount from them ( according to their records ) and I owe that amount plus any interest. I called XXXX XXXX XXXX and they said the got the payoff amount from TD Bank. The XXXX institutions are now pointing the finger at eachother and both are saying I need to come out of pocket with the funds.
Bank Of America had reported that a particular account was mine. Eventhough I had sent multiple records showing that my information was breached. I had even had my bank account hacked into multiple times. It was not until I my wife took her name off the bank account that I had noticed that there were weird charges that was coming from my bank account. I had called Bank of America since I noticed they were XXXX of the sources that were coming from my account. I asked them to close that account and told them that the account was not mine and it was fraudulent back in 2014. However 2 years later they decided to post it on my credit report. I have sent multiple letters to Bank Of America to understand why they strongly believe that this account was mine but got no response. I have also contacted XXXX and XXXX asking the same thing but they said we have verified but could not state the means of the verification process. 

I am looking to CPFB process, to see if either XXXX, XXXX, or Bank Of American can provide the documentation they believe that the credit card file on my credit report is mine.
Early morning today, I checked my bank account online XXXX XXXX XXXX XXXX XXXX and I found that I have been charged {$1400.00} as part of a Legal Order. So I called XXXX XXXX XXXX to ask them about this because I did not know why I was being charged for a Legal Order. 

XXXX XXXX XXXX told me that they did n't have more information on this other than providing me with a phone number listed in this Legal Order ( I can not even view this information on my only bank account ) that forced XXXX to take money out of my bank account and give it to another party. XXXX gave me the phone number of the Connecticut 's XXXX XXXX Office XXXX. The number they gave me was XXXX XXXX XXXX XXXX. 

I then called the CT XXXX Office. I was told by the XXXX Office that they issued the Legal Order on behalf of the debt collecting law firm XXXX XXXX XXXX and that XXXX XXXX XXXX is representing Portfolio Recovery Associates -- a private debt collection firm. My personal name was cleared of any possible wrongdoing in this case that led to the debt collection but I was told by the XXXX Office that the Legal Order was served on my mother -- whose name was on my bank account up until more than a year ago. The XXXX Office also told me that apparently monthly payments of {$35.00} XXXX for what service or product they do not know ) had not been paid and as such, over the months and years, the penalties increased to {$1400.00}. I was also told that I can fill out an exemption form ( CT form XXXX ) to have the money returned to my bank account and have my mom work out a payment arrangement with the debt collection agency. The XXXX Office proceeded to give me the phone number of XXXX XXXX XXXX -- the law firm. 

Before I called XXXX XXXX XXXX, I called my mother to ask her if she has been receiving anything from any debt collection agency or the law firm XXXX XXXX XXXX. She told me that she has not been receiving anything from either of those entities. She also has not even been aware of any outstanding debt under her name. And indeed, I can concur with her statements because I live in the same house as her and I have not seen any legal notice or anything from either of these two entities either. 

I called XXXX XXXX XXXX somewhere around XXXX today and was told that the I can not speak to them about the case unless my mom speaks to them ( since, they said, this was my mom 's case after all ) and gives them permission to speak to me on her behalf ( my mother can not speak XXXX very well ). The representative from XXXX XXXX XXXX told me that I had until XXXX to call him back today. I called him back at around XXXX today and was told by the office voicemail that the office has been closed at XXXX. This is starting to sound like it is outside the bounds of legality and I am starting to get suspicious. 

I want to emphasize that neither my mother or I were served any legal notice or bill in regards to this mysterious amount of {$1400.00} or anything requiring me or her to pay {$35.00} per month. We received nothing in the mail and nothing via email either.
My original complaint  XXXX  about VILLAGE CAPITAL & INVESTMENT LLC. I have not been able to connect to my original complaint, but did talk to your CFPB customer service people by phone yesterday and was provided with the info about the response.     I am still not satisfied with the response from  Village Capital. M y issue is that  XXXX   XXXX  provided me with a detailed outline of the process highlighting  10 progra m details.     I provided a copy of  XXXX   XXXX  's notes, as an attachment showing the last bullet item as  " No Credit Check ''. Now there is a second  issue in that  XXXX   XXXX   XXXX  did not provide us with an " authorization '' form before he left, he then sent us an e-mail and asked that we sign the forgotten agreement and e-mail back to him. I did not see any thing stating that we agreed to a credit chec k. One other  issue here is what he presented as far as the relationship to an ARM was that it does n't have the risks associated with an A RM. See Bullet # 5. Ove rall I felt betrayed and lied to by  XXXX   XXXX   XXXX  as the potential risk associated with this ARM program appeared to me to be extremely risky.     I had also told  XXXX   XXXX  before we agreed to anything that I refuse to deal wit h Village Capital & Investment.   XXXX   XXXX  assured me tha t Village Capital wa s just doing the paperwork for   XXXX   XXXX  , but did add that    XXXX   XXXX   typica lly sells their accounts. As the contract I received a week later clearly showed that I was contracting w ith Village Capital, which I adamantly was opposed to.      The last issue is that once I cancelled I was given the names  of Village Capital & Investment  people to contact to resolve this issue. I called both and have yet to hear from either person. This i s one of the iss ues that prompted me to file a complaint, as well as horrible customer service and providing faulty and deceitful information.     The individuals that I was told to contact by  XXXX   XXXX   ( GA Mgr. )   with    XXXX   XXXX   are ;  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Now I would appreciate you following up with me because I will continue to pursue this until I am satisfied tha t Village Capital & Investment removes their Hard Inquiry off of my, and my wife 's Credit Bureau Report. The  credit Bureau  ( s ) assured m e that you could remove the hard inquires, therefore I expect you to execute that demand.
My Mortgage ( with my escrow account ) was sold to Wells Fargo 8 months ago and they have been mismanaging it ever since. I would like to get compensated by them for costs I incurred and time wasted due to their mismanagement.

-Wells Fargo didn't pay my property tax on time, incurring a {$45.00} late fee that came out of my escrow account -Wells Fargo didn't process the insurance document I provided them ( a few times ) and that caused them to buy supplementary insurance policy for {$1400.00}, which later they refunded to my escrow. Dealing with that took me close to two hours on the phone with them -Wells Fargo is miscalculating my insurance costs, resulting in my monthly payment being {$300.00} higher than it should be -Wells Fargo phone agent are providing very low level of service, most calls result in them needing to further research but they never follow up as they promise to. This results in me having to call many times.

-Wells Fargo refused to cancel the escrow on my mortgage. Despite the fact I made multiple requests to manage my own tax and insurance payment, in light of their severe incompetence in managing my escrow account
Medical care should have been covered by state provided medical insurance at the time. XXXX Hospital has also been involved recently in a settlement for a class action suit which I have received notification which may include this billing cycle.
On XX/XX/XXXX, I received notification from XXXX XXXX XXXX that I owed Citi Bank Bank {$800.00}. 
On XX/XX/XXXX I wrote XXXX ( return receipt requested ) stating that I dispute the charge and requested verification specifically all copies of receipts of payment. 
On XX/XX/XXXX XXXX XXXX at XXXX XXXX XXXX signed for receipt of my letter. 
To date, I have not receive the requested verification specifically copies of all receipts of payment. 
On XX/XX/XXXX I opened my credit report and found XXXX XXXX XXXX had reported this un-validated and disputed debt on XX/XX/XXXX. 
On XX/XX/XXXX my attorney advised to file this complaint.
I opened an account with Barclay card one year ago and I have never been late on a payment. All of a sudden, Barclays has charged me a fee of {$500.00} as interest, running my account over the limit. This action represents the greatest threat of default on the card. It is bait and switch predatory lending in its worst form.
Ditech Financial has failed to provide {$740.00} payoff refund after 2.5 months. The mortgage was paid off on XXXX XXXX, XXXX. I called Ditech around XXXX XXXX to confirm payoff status and shipping address for refund. I emailed Ditech on XXXX XXXX, XXXX, requesting an update. I called Ditech around XXXX XXXX and was told that a refund was issued on XXXX XXXX, XXXX, but it would be reissued and should arrive within 2 weeks. On XXXX XXXX, I received a response to my original email stating that a refund was mailed on XXXX XXXX. As of XXXX XXXX, 3 weeks later, no refund has been received.
XXXX XXXX calls and texts serval times a day. This company has the wrong number for the person they keep asking for. They are trying to use a 3rd person tactic. The person that is being requested we have no connection to. It's been going on for a month. The text number comes up as XXXX and phone number XXXX.
This is in response to CFPB Case XXXX to Experian 's response. XXXX  replied and completely twisted my words making false accusations stating that I said that I " have not received any documentation relating to the account ''. This is what they are basing their response off of. When I in fact said that Experian DID send me documentation but the documentation sent does not qualify as legal " Verification or Validation '' Seeing as its nothing but a {$0.00} Balance letter from the debt collector. I also in fact stated that I was not shown a BILL OF SALE between the debt collector and the originating creditor, which is true. All they keep sending me is this single documentation from XXXX  XXXX which is a {$0.00} Balance letter crafted by them. All this is is showing that there is some account out there that they have me listed under with a {$0.00} balance. How is that Verification? Also Who actually verified this claim? These are the EXACT things I ask Experian to answer which they DID NOT and just keep giving me the general statement that " The data furnisher and or public record vendor verified '' .... Well why do n't you have copies of signed documentation by me or the BILL OF SALE of the debt by the data furnisher?? A {$0.00} balance letter does n't mean anything and that 's all I was ever sent. I was never sent a contractual agreement. Just sent a {$0.00} Balance Letter and a Bill. That is completely invalid under the FCRA and this WILL be removed or my lawyer WILL be working this case against both Experian and XXXX XXXX. RESPOND WITH ALL MY REQUESTS ANSWERED IN DETAIL OR REMOVE XXXX XXXX FROM MY CREDIT REPORT. ONCE AGAIN A {$0.00} BALANCE LETTER IS NOT VALID VERIFICATION AND WILL NOT HOLD UP IN COURT. I WILL CONTINUE TO FIGHT THIS. You all cant even provide a contract that shows XXXX XXXX has the right to collect for me!! Where is that contract??