WillisBack/dataset-financial-user-claim huggingface dataset:
I attended XXXX XXXX in the XXXX XXXX XXXX. When I signed up they told me I had to obtain a private loan to help cover the expenses the federal loan would not cover. I asked how about the grants, they advised the grants do n't always kick in but if they did they would refund the money to the Genesis Lending company. I signed up hesitantly because something did n't sound right. When I completed the program I asked about the accounting on my account because I know I obtain grants but the Genesis loan was never reimbursed and I bought books on my own so I wanted to see the refund on the money I did n't use. I got an excuse of I had to speak with the financial director but of course she was n't available. Unbeknowst to the person working on my account I saw on her screen that my grant was returned instead of my loan. I asked her again for a copy but was told only the director could give me that information. I was unable to receive the information on MY account which I wanted to verify how corrupt they are.
I received a final pre-collection notice ( first notice ) from MSB ( Municipal Services Bureau ). it stated i had 30 days to file a dispute. I filed the dispute within the 30 days. before i got a response back they charged a 22 % interest rate ( not mentioned in notice ). i got a response to the dispute and it stated they are not allowed to talk to the utility company, so there is no point in disputing the debt. I called the utility company that hired MSB and they stated i would have to discuss the problem with MSB. MSB refered me back to the utility company. MSB also staed if i filed another dispute they will charge an interest charge again. The also stated if i paid in full they will not follow through on the dispute so they can charge interest again. I paid the debt in full XXXX employee number XXXX with municipal services bureau.
I have received all credit agency credit report in XX/XX/XXXX. I started to send letters to begin the disputing process upon the inaccurate information. Nothing happened, so on XX/XX/XXXX I started to make phone calls to each bureaus, I realized that there were addresses that did not belong to me. As like, XXXX XXXX XXXX, XXXX, Florida XXXX is one of them. I have disputed these with all three, XXXX, TRansunion, and XXXX. Added a Fraud Alert on each credit bureaus account. 

As of XX/XX/XXXX The address was removed from all three credit bureaus either by a phone call or by a letter. 

XX/XX/XXXX I reviewed my credit report and realized this address XXXX XXXX XXXX, XXXX, Florida XXXX has reappeared on my credit report. i did not receive any notification as to why this address re-appeared on my credit. 

I have attached proof of notation of removal or the report is shown the address is removed.
I had to close a XXXX XXXX Account as my business required me to have another XXXX XXXX. Once closed, I attempted several times to receive a final bill/payment info from XXXX XXXX. I was unable to do so primarily because it was IMPOSSIBLE to get anyone in customer service on the phone. After approximately 9 attempts I was able to reach someone who INSISTED that a XXXX account under my name and home number ( which had already been ported over to XXXX at this point ) did NOT exist. Keep in mind I have been a XXXX XXXX customer, and a satisfied one for over 20 years, but XXXX was impossible in terms of customer service. I FINALLY did receive correspondence from Fios IN THE FORM of a Collection Letter, from a Collection company called XXXX XXXX with my outstanding amount. I called immediately, explained what had happened and made payment arrangements that day. I also have reached out to XXXX repeatedly AS HAS THE XXXX in NY as XXXX reported this to both Equifax and XXXX and it impacted my credit scores - something I am working aggressively and diligently to rebuild. I have pleaded with them directly and through the XXXX to remove this from my reports, as I do not believe it should be on there. THEY REFUSE to remove it. XXXX shows it on there, as a collection account with a XXXX balance. Equifax shows it as a collection account with {$120.00} still outstanding. I am seeking help from any agency that can help me GET THIS REMOVED from my credit reports. It is unfair that it was reported to begin with. I tried reaching them multiple times as stated, stayed on hold for up to 45 minutes more than once and STILL was never connected to a Customer Service Rep. It was infuriating and then to see it reported was beyond infuriating, again most especially as someone who has been a XXXX XXXX customer for over 20 years. I am hoping you can help me please. I am uploading my letter sent directly to XXXX with the XXXX copied. This is the XXXX contact that refuses to remove this - XXXX XXXX, Executive Relations Sr. Analyst, XXXX Thank you in advance for any help you can lend.
On XX/XX/2018 transunion received a dispute from XXXX XXXX XXXX XXXX. The investigation stated you verified these accounts as being reported accurate. Verifiable has a legal meaning and refers to a copy of the actual document I signed to open the account. You have not provided me a copy of my original signed documentation ( a consumer contract with my signature ) as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ). On XX/XX/2018 you received a certified letter for Method of verification that requires 15 days. You failed to provide method of verification as required under 611 ( a ) ( 7 ). Under section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. XXXX is not 100 % verification. You pasted this deadline of 15 days and must delete all accounts disputed.
Diversified has filed an illegal collection and have not properly verified. I have asked for the proper verification, including copies of my contract that I signed and copies of the contract signed with the original creditor. This company has failed to properly verify which is illegal according to The FCRA Statutes. This collection was deleted from XXXX XXXX XXXX and needs to be deleted from XXXX immediately. According to TX finance code, the company has to disclose how they came up with dispute results.
As a result of Wells Fargo Bank misrepresentation of my balance XXXX XXXX XXXX incurred an overdraft fee of {$35.00}. XXXX XXXX XXXX issued a Accord and Satisfaction Paid In Full Check Money Order in accordance with California Civil Code 1526, UCC 3-311 & UCC 3-603 on XX/XX/2016. Wells Fargo Bank accepted the instrument however they failed to extinguish the debt pursuant to the law.
I spoke with XXXX XXXX around XXXX Eastern Standard Time on XXXX/XXXX/2015. They called to resolve a debt that I have with a XXXX Credit card. I agreed to pay XXXX installments of {$180.00} on starting on XXXX/XXXX/2015 followed by XXXX more payments taken out on XXXX/XXXX/2015 and the last payment on XXXX/XXXX/2015. I agreed to terms and hung up the phone. Later the same night I received an alert from my bank that a transaction was declined of {$180.00}.
I made correct and full mortgage payments to Freedom Mortgage for XX/XX/2018, and XX/XX/2018, a day apart. The XX/XX/2018 payment was 10 days in ADVANCE of the XXXX due date. I made clear this was a payment in advance and NOT to pay to principal. 

XXXX, Freedom Mortgage contacts me about a missing XXXX payment. I explained it was paid in advance, but the rep said it was returned for insufficient funds. My bank balance shows 1 ) the payment was NOT returned, 2 ) the funds were absolutely sufficient with tremendous excess, and 3 ) my bank did not charge me any fees for insufficient funds because no payments were returned. 

I took that opportunity to pay XX/XX/2018 and XX/XX/2018 payments again in ADVANCE because I didn't want to bothered until XXXX. Both those payments were withdrawn from my bank and credited to my mortgage. 

A few days later, I get another call from Freedom Mortgage demanding my XX/XX/2018. I have paid 4 ( FOUR ) months of mortgage in full and correct amounts for XXXX, XXXX, XXXX, and XXXX, and we aren't even past XX/XX/2018 yet. 

My bank provided me a letter from the branch manager on bank letterhead, dated XX/XX/2018, confirming all four payments were made and nothing was returned for insufficient funds. 

I provided several times the bank letter and a complete ledger of my bank history showing all the payments made and nothing returned. I made the XX/XX/2018 payment around XX/XX/2018, and Freedom Mortgage is demanding my XX/XX/2018 payment. The mortgage principal balance also shows no money accidentally went to principal. 

On XX/XX/2018, I gave Freedom Mortgage the ultimatum : they have all the information needed to determine that I made now 5 payments and the error is on their side for the missing payment, if this is error isn't corrected immediately, I will lodge disputes with all three credit bureaus and retain an attorney to drive this matter to conclusion in court. Freedom Mortgage said they are still investigating and would have an outcome by XX/XX/XXXX, that was in 2 more days. So I waited 2 days, and 2 days have passed. 

Today is XX/XX/2018, and I still don't have a resolution. Freedom Mortgage now says the new date is XX/XX/2018. That was the wrong response. Therefore, I have filed disputes with all 3 credit bureaus and provided the same supporting information to the bureaus. I have retained an attorney, and we'll see where that goes too.

I have been going back and forth with Freedom Mortgage for over four months about the XX/XX/2018 payment that they lost. They have billed me late charges. They have posted fraudulent lates against our credit at the credit bureaus. It's clear they lost my payment. Freedom Mortgage knows it's lost, and they can't figure out where it went. I have recorded all the phone calls with Freedom Mortgage, so that information is available to the attorney as well. While Freedom Mortgage is still trying to figure it, I am continuing to accrue late fees and continuing to get hit with false lates on my credit.
Regarding CFPB Complaint # XXXX, we received credit turn down letters from Chrysler Capital nearly 90 days after applying for credit. Are n't companies bound to send letters out within 30 days of denial? 

Also, the credit score that Chrysler reported for XXXX XXXX XXXX on XXXX/XXXX/XXXX is XXXX. Every credit monitoring service ( one for each of the three major credit bureaus ) lists the score as XXXX, XXXX and XXXX. 

In the late dated letter to XXXX XXXX XXXX, Chrysler also lists : " Serious delinquency, and public record or collection filed '' when there is none. " Too few accounts currently paid as agreed '' when every single account is paid as agreed and always has been. There are dozens of accounts in total. How could that possible be " too few? '' " Time since derogatory public record or collection is too short '' when it 's been over XXXX years since any such record was listed. " Length of time revolving accounts have been established when revolving accounts date back XXXX years. And, Number of recent inquiries on credit report when there have only been two inquiries in the past year, including the inquiry to Chrysler Financial. 

In the late dated letter to XXXX XXXX, Chrysler also lists : Number of accounts with delinquency when there are zero accounts with delinquency. Proportion of loan balances to loan accounts is too high when each loan balance average under XXXX XXXX of the available credit. Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high when each loan balance average under XXXX XXXX of the available credit. And, Length of time revolving accounts have been established when they have been established for many years.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX BANKRUTCY IS DISPAYED INCORRTCY AND IT HAS BEEN OVER 30 DAYS AND STILL THE INORRET INO HAS NOT BEEN DELETD FROM MY CREIT REPORT. 

DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID
16 listed Florida scams frauding my birth certificate of XXXX XXXX XXXX of XXXX XXXXXXXX Indiana of XXXX XXXX frauding also my parents marriage and divorce records which are white documents and serial numbered documents and mom is decest of XX/XX/ No fraud is authorized There frauding scams frauding my documents frauded my national security clearance data and va mail and Indiana social social date and insurance policies and finger prints cards and FBI back ground checks and medical records and passport data ext my police files and commodity broker career and IRS records and mail and family marriage and divorced record and banking data which I was shoved out for 18 years and always a turn down by bank 's for me for credit and credit cards and loans and also refusal to pay my insurance when I was robbed,
On XX/XX/XXXX I spoke with XXXX XXXX XXXX ( XXXX XXXX XXXX ) about a loan to pay off BB & T banking c/o XXXX XXXX XXXX XXXX XXXX.Within a week she requested me to get a title lein deed from BBT. XXXX XXXX told me after researching BBT has not been assigned or a first lein holder since they gave me a loan back from XX/XX/XXXX Apparently, BBT lawyers done a title search and also did not follow-up onthe final title to record at the court house. MERS corporation was holding the title from ( not to my knowledge ) my previous loan company after BBT have me a home loan went bankrupt and MERS had the title. It has been since XX/XX/XXXX and i have been through 3 loan officers being passed around BBT to fix the problem and produce a title deed to finish a loan with XXXX XXXX XXXX. My county clerk XXXX XXXX XXXX ( ( XXXX county Ky XXXX XXXX XXXX ) ) informed me that Mers sent a title to record but sent it to the wrong page and book number. Which means BBT has not had a lein on this property due to their lawyer not filing the paperwork correct and not caught MERS making the correct entry. I am not savvy at Banking jargon but if CFPS representatives call XXXX XXXX and XXXX XXXX they can explain exactly what is happening. XXXX XXXX informed me that any bank according to ky law statures only has 30 days to produce a title clear of leins to be paid off by another bank It has been 75 days and counting. My financial situation has changed and i need to refinance to go from XXXX to XXXX per month payment. I am on the verge of going into foreclosure and bankruptcy if this is not corrected soon. BBT has made excuse after excuse and i have been passed from XXXX XXXX ( XXXX XXXX branch ) to XXXX XXXX ( XXXX office ) and not to XXXX XXXX ( XXXX office ) I need to get this refinance loan asap or lose everything i own. BBT is making no effort to help. I paid XXXX dollars 13 years ago in title insurance and closing costs for BBT to do their job on getting a clear title and recording correctly. If i were to pay this loan off, sell or go into estate upon my deceasement i could not get a clear title due to their incompentence in doing thier job.
I received an e-mail indicating that I had applied for a loan through my e-mail when I had not applied for anything. I notified the company that this was a case of fraud and gave them my phone number to contact me. However, they insist that I provide an affidavit and my I.D . to cancel the application. I never applied for anything! Therefore, it is not my responsibility to provide my identification to a company that I am not associated with nor want to be associated with. This kind of practice is what perpetuates identity theft and clearly no one is monitoring how they are handling their fraud cases. I want the loan cancelled that was associated with my e-mail.
I believe there could be a potential error on the escrow account for my property tax. I received a notice from US Bank on XXXX/XXXX/XXXX stating that there was an escrow shortage of {$2600.00} and my mortgage payment would increase to {$1600.00} as of XXXX/XXXX/XXXX. This is going to cause serious financial hardship for me and my family and I did not receive any previous notice of this change. 
I was not given any reason ( s ) as what caused the difference between the actual escrow amount and the projected escrow amount. I was not given sufficient notice for the increased escrow amount from US Bank either. I have never been late on a mortgage payment and I would appreciate it if someone would investigate this problem and let me know what options I have to resolve it.
I have received a debt collection notice from First National Collection Bureau , Inc stating that i owe {$1100.00} for XXXX. I have never had XXXX services. This is a result of ID theft for which we have had to file several complaints.
On XX/XX/2018 I noticed XXXX XXXX reporting a debt on my credit reports ( Original Creditor XXXXXXXX XXXX Nevada, Balance {$470.00} ) I mailed on XX/XX/2018 XXXX XXXX a debt validation request, especially because this account is past the statute of limitations but is appearing as a new account on my credit report. 

XXXX has not verified the debt, yet continues to attempts to collect the debt and report to credit bureaus.
I contacted my mortgage loan servicing company, informing them that my XX/XX/XXXX payment would be late. I explained to them I would be making the payment, which is due on XX/XX/XXXX, on-line, on or before XXXX XXXX, to which they replied ok, that they would note this in my file. On XXXX XXXX, 2015 I went online and made a payment to my mortgage loan servicer Seterus XXXX for {$1600.00}. via XXXX XXXX XXXX. XXXX days later, on XXXX XXXX, 2015 & unbeknownst to me, the servicer of our loan, Seterus Inc, made an " unauthorized '' ACH withdrawal from my checking account for {$1600.00}. This placed my checking account in the severe negative and has cost me over {$200.00} in overdraft fees. When I contacted them they stated they had a recorded message stating that I had authorized the withdrawal, which is absolutely false. I simply called them out of courtesy to inform them that XX/XX/XXXX 's payment would be late. When asked for a copy of the audio tape to verify, they then changed their story, stating there was no actual audio tape just a transcript that was entered into the computer. I then asked for a copy of the transcript and I was told no. They then requested I send them written notification from my bank that the ACH would not be denied or returned plus copies of my bank statements showing all overdraft fees accrued. I have faxed these documents to them however, when I contact them for a resolution, they continue to argue that I had authorized the ACH, which is completely false.
CAPITAL ONE is in violation Fair Credit Reporting Act and Fair Debt Collection Practice Act. CAPITAL ONE continues post inaccurate information to my credit report after being notified by i the information is incorrect via notices and phone. 

CAPITAL ONE representative told i over the phone, CAPITAL ONE is unable to mail i any information about the account because the account has been noted with a cease and decease notice. But CAPITAL ONE is continuing to report my account delinquent ( XXXX, XXXX, & XXXX ), closed the account around XXXX, and reported the dispute resolved. Plus back dated/ posted old information to my credit report that was over ten years old. This is a major violation.
On XXXX XXXX, XX/XX/2014 XXXX XXXX began reporting a debt in the amount of XXXX for XXXX XXXX XXXX. I disputed the information and XXXX nor XXXX XXXX XXXX was able to verify the information as belonging to me. I thought I was done with this but they began reporting the debt again at the end of last year. Today XXXX XXXX, I asked Equifax why I was not notified of the reinsertion and the representative told me that Equifax did not have to notify me of the reinsertion. That it was the XXXX XXXX responsibility to do that it would overwhelm Equifax if they had to notify someone every time information was reinserted. I told her about FCRA 611 specificallyIf any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
XXXX XXXX XXXX ADDITIONAL INFORMATION. -- As part of, or in addition to, the notice under clause ( XXXX ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion -- ( XXXX ) a statement that the disputed information has been reinserted ; XXXX XXXX ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and XXXX XXXX XXXX a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 
( C ) PROCEDURES TO PREVENT REAPPEARANCE. -- A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( XXXX ). 

The representative explained that she does n't know anything about the law and that she can give me the address to the Legal Department. I asked to speak with a supervisor and the supervisor said all I could do is re-dispute the information. The information should have never been reinserted anyway. These has allowed the creditor to phish and look for information as if it actually belonged to me and just add it in a different manner to report it on my credit report. I want this collection removed from credit report. I have had this to several times concerning debts and information with Equifax. The information was deleted and I should 've received notice from Equifax concerning the reinsertion. In addition to complaining about the reinsertions I 'm not receiving results of completed investigations. The system says it has been mailed to me but no results have been mailed to me and the representative said they would be sent today.
Im writing a formal complaint on XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX. 

I have made three payments for three statement and the bank is contending that I was past due on a payment because I paid early. I have contacted the bank through CHAT SESSIONS to correct this error. 

On XX/XX/XXXX at XXXX, XXXX, Operations Manager, stated : Thank you for waiting, XXXX. I have corrected the account and removed the previous payment. 
On XX/XX/XXXX the amount due would be {$140.00}. Even this is incorrect. Amount due on XXXX is {$140.00}. 

On XX/XX/XXXX, XXXX XXXX stated between XXXX and XXXX : Thank you for waiting. I greatly appreciate your patience. XXXX, I see that the issue was taken care by my manager with whom you spoken on XXXX. This was sent to the backend team to get this corrected as we had the weekend our backend team wont work so this will be rectified by this weekend. Please dont be worried, as this was taken care, XXXX. 

On XX/XX/XXXX, XXXX XXXX stated at XXXX stated : It needs at least 1 2 billing cycles for the correction.

This is totally unacceptable! I checked my account today and it still stating I am {$140.00} past due. My next payment is due on XX/XX/XXXX! I am not paying them a past due payment when it has been an entire month and they havent rectified their error. I DO NOT WANT MY CREDIT AFFECTED BY THEIR INABILITY TO CORRECT THIS SITUATION! 

I found numerous complaints about this financial institution in researching if anyone else has had this problem with XXXX XXXX. 

Someone needs to inform this institution to correct their situations with their customers accounts in a timely manor as they state they would. Again, they are not getting another penny from me except the correct payment amount!!
Bank Of America refusing cancel my PMI without expensive appraisal even so my principal balance of existing mortgage is below 75 percent of the original value.