WillisBack/dataset-financial-user-claim huggingface dataset:
Please reference CFPB Cases # XXXX and # XXXX. 

XX/XX/2018 : SLS responded to CFPB and indicated that my credit file was not affected by any derogatory report from SLS and the issue was closed. Obtained Release of HELOC from SLS prior that representation to the CFPB. Note also that SLS and XXXX indicated in multiple written correspondence that no derogatory information would be submitted to the reporting agencies within 60 days of loan transfers in accordance with federal law. 

XX/XX/2018 : I called and notified SLS that late payments were reported on my file. XXXX, in the executive office denied that SLS had reported such information since I had no such outstanding balance. 

XX/XX/2018 : Wrote to SLS to produce evidence to the false claim made to the CFPB that I indicated a prior forbearance agreement and expressed interest in disaster-related loss mitigation. Other evidence requested for other false claims made. No evidence was provided. SLS simple made this up. 

XX/XX/2018 : Wrote to the credit agencies asking to produce confirmation on which entities had reported these derogatory information. XXXX  removed the information while XXXX   XXXX kept the inaccurate information. Confirmation Received
My direct deposit posted to my Rushcard account on XXXX XXXX. It is 6 days later and due to computer 'glitches ' I still have no access to the funds!
Expiration Date :XX/XX/XXXX {$70.00} Contact # XXXX   Called the company two times spoke to XXXX & XXXX on XX/XX/18 between XXXX - XXXX regards to reissuing this prepaid cards due to its expiration.

Both representatives rejected my request due to their policy which I believe goes against the Federal law.
In the last 2 weeks I attempted to send money to XXXX to a friend of my mothers because my mother is in hospital. The information was missing the middle name. I called to add it and have been told the system had errors and offered a refund. I ended up sending it to my mother in her name. We had an ambulance service take her to a payout location. The information is correct because in the past I have sent her money. Today she was taken to retrieve it and the payout location told her the information was correct, that her middle name was showing as her last name. I sent the confirmation ( MTC ) to her to show the name is correct. In calling western union, they could not offer a reason and would not help further resolving the issue and again offered to cancel the transaction and refund. This will be the 3rd time they would have had to cancel the refund. Now my mother is unable to pick up the money without scheduling another ambulance ride to western union pickup location. I repeat, the information matches her ID exactly and they would not get her the money ... In the last few months, western union has given my conflicting information that does not match from one representative to another.
I am receiving claims from various debt collection agencies that I owe debts. I have received multiple debt notices from XXXX from different debt collectors. I do not understand why I am receiving repeat notices for debts I do not owe? I closed out my XXXX account years ago due to poor service. 
This complaint refers to XXXX.
Applied for a Citigold account with CitiBank during their promotion with which I received a promotional code ( XXXX ) corresponding to a XXXX XXXX XXXX miles reward, called CitiBank 's customer service line and applied over the phone using, receiving verbal confirmation that I was eligible for the reward. I was then approved for the account, fulfilled the requirements of spending more than {$1000.00} using a debit card linked to the account, and two bill pays spanning two separate months. I logged on and spoke with another representative to ensure I met the requirements successfully and to confirm when I would be receiving the reward upon which I was informed I would receive them no later than XX/XX/2016. It has since been nearly a month since that date and I have yet to receive the corresponding reward miles. I am fairly frustrated that I have been misled in applying for this account, under which the bonus was a key interest point in my applying for it. I hope this can be resolved soon as little progress has been made from CitiBank 's side.
XXXX sent me books and wanted payment for them. I was not nor ever have been enrolled at XXXX, therefore I did not ask for or need the books that XXXX sent to me. I eventually sent the books back ( I have USPS receipt albeit a faded one ). They said they never received the books and wanted me to pay them {$200.00}. I refused to pay, one because I never asked for or used the books and two because I sent them back. They sent the bill to collections and it has damaged my credit terribly.
I filled for bankruptcy XX/XX/2016 discharged XX/XX/2016. 
An Account on my credit report suddenly after more than 2 years now sent an update in XXXX and my time since negative has now plummeted to less than 1 month from nearly 3 years. 

Since this is a clear violation of the fair credit reporting act Transunion should not allow information that shows this account was included in bankruptcy and then report negative information after the filing date. 

I have disputed this with Transunion multiple times, they acknowledge you can not report negative information after the filing date but refuse to resolve the problem. They said they disputed it and the creditor verified the information.
EQUIFAX REMOVED A NAGATIVE ACCOUNT FROM MY CREDIT REPORT THEN ADDED IT BACK A WEEK LATER. 
EQUIFAX SENT ME A LETTER SAYING THAT THEY WOULD REMOVE ( XXXX XXXX XXXX ) FROM MY REPORT THEN THEY ADDED IT BACK AGAIN WHICH IS ILLEGAL TO DO. PLEASE REMOVE THE FRAUFULENT ACCOUNT AGAIN FROM MY REPORTI IS ILLEGAL TO REMOVE A DISPUTED IACCOUNT THEN ADD IT BACK AGAIN AFTER IT WAS REMOVED LEGALLY. 
PLEASE REMOVE THE FRAUD ACCOUNT THAT WAS ASSOCIATED WITH THE FRAUD ADDRESS. XXXX XXXX XXXX IS LISTED IN MY CLOSED ACCOUNTS AND THIS ACCOUNT IS NOT MINE.
Please take notice that I have taken all necessary step in supplying all needed evidence in order for the corporation ( s ) XXXX/XXXX/EQUIFAX to adjust and remove all negative reports from my credit file. As of X/X/2017 it is still reflecting the negative remarks as of XX/XX/2017, which is hindering me from any future financial growth. I am informing you of these direct '' violations '' with the desired outcome of you helping me in getting said violation removed from my credit report. as of today I will fax you copies of said completion on my behalf. Please help me help myself.
Specialized Loan Services, XXXX. Purchased/acquired my mortgage loan, and from XX/XX/XXXX, and XX/XX/XXXX ; I had sent payments on the amount of {$470.00}, However on XX/XX/XXXX they will raise my mortgage payment to {$480.00}, they increase my payment XXXX dollar per year. I could use these on my XXXX dollars {$8.00} on laundry machines ; and to pay {$40.00} co-payment with my Endocrinologist. 

I have not received SLS Mortgage interest statement and or my property tax bill paid.
Experian reports incorrect information. I had an auto loan with XXXX XXXX as of XXXX, XXXX and which was paid off in total as of XXXX, XXXX. Upon my complaint through CFPB, all the three credit reporting institutionsXXXX XXXX, Experian and XXXX did remove the incorrect information and showed that the loan was settled by pay off and account closed in XXXX, XXXX. However, on XXXX XXXX, XXXX, Experian reports a late payment as on XXXX, XXXX yet that account was long closed in XXXX, XXXX XXXX, that I had no finance and/or contractual obligation with XXXX XXXX by that time having closed the account in XXXX, XXXX when XXXX accepted settlement in full from my insurers, warranty and gap which was duly paid as requested and agreed. XXXX XXXX has never issued me a certificate of satisfaction even when requested.
On XX/XX/2016, my company received a letter from Citizen 's Bank with a check in the amount of {$9.00}. The letter was confusing as was the amount. After our numerous requests for an explanation from the bank, the matter was recently escalated to the Office of the Chairman who sent a letter indicating that this amount resulted from an action described here : http : //www.consumerfinance.govXXXX. When I phoned the signer of the letter ( XXXX XXXX, Office of the Charman ) today, he advised that the amount owed to my company was carefully researched. I asked for details. When did this discrepancy occur? Was it one deposit or multiple? He indicated that Citizens is not required to release this information and confirmed that he will not be doing so. I asked how can I be sure the amount is not XXXX cents or XXXX dollars. He confirmed that I would have no way to know this. He also advised that there is no one further up the chain at the bank that can further address my interest in this. I am not satisfied with this answer. I am also disturbed that it took me months to get this response from the Office of the Chairman and this response was not consistent with previous responses I had received.
Our mortgage holder, Ditech, conducted an incorrect escrow analysis on  XXXX   XXXX ,   XXXX   indicating a deficiency, so we contacted them by phone on  XXXX   XXXX ,   XXXX   to discus the matter. After speaking to several incompetent people, we were finally told to fax the   XXXX   Notice of  Appraised Value indicating our homestead and DV4 tax  exemptions. We were given the following fax number :  XXXX  and have a copy of the fax transmission report with the detail, however we were given no response that they received the document.     So two days later,  XXXX   XXXX ,   XXXX  , we sent a message through the  Ditech Message Center and wr ote the following : " I recently faxed in my   XXXX   Notice of Appraised Value with exemptions DV4 and HS notated. Just following up to make sure that you received this document, as I did not receive an email stating that your received it. How will these exemptions impact my monthly mortgage payment? Please send me a message detailing any changes. '' To no avail we still did not receive a response. Instead we received a notification that another escrow analysis would be performed. The new escrow analysis conducted on  XXXX   XXXX ,   XXXX   is identical to the analysis performed in  XXXX  and is incorrect as well. Their analysis indicates a deficiency of {$2700.00} with an  incorrect county tax  amount and an incorrect hazard insurance amount.     Although they have the corr  ect hazard insurance amount ( {$2300.00} ) listed on our escrow activity page, the wrong amount ( {$2300.00} ) is listed on the escrow analysis.
In regard to the county tax, t  hey have the wrong amount  XXXX  {$8700.00}  XXXX  listed on our escrow activity page as well as on the escrow analysis.     Our   XXXX   Notice  of Appraised Value clearly states that the county t ax for   XXXX   is {$6900.00}. Our current escrow balance for  XXXX   XXXX ,   XXXX   is {$4000.00}. Even if our escrow payments stayed the same, we would still have overage.
On XXXX XXXX, 2015 I attempted to purchase a 3 in 1 credit bureau report & FICO scores from XXXX for {$39.00}. I tried to authenticate but I got an error message saying I was not able to do so at this time. Error message said my order did not go through, my application for 3-in-1 credit report & FICO scores has not been accepted because there is a problem with the service, and my card has not been debited. Not understanding what the problem could be, I attempted the order process two more times to no availXXXX times receiving the same error message and reassurance that my card has not been debited. Low and behold, my card was debited for each of the three unsuccessful attempts, at {$39.00} a piece, yet I still have no 3-in-1 credit report nor FICO scores.
XX/XX/XXXX - XXXX overnight my vehicle was damaged in the hailstorm and I immediately contacted my insurance company and filed a claim the next morning XX/XX/XXXX. 
XX/XX/XXXX the insurance company representative came and inspected the vehicle and then, afterwards, on the same date made a settlement offer since the cost of repairs exceeded the value of the vehicle. 
XX/XX/XXXX I called XXXX and asked the XXXX employee for the payoff quote amount and the employee verbally said that the payoff quote amount is {$4300.00} and sent me the email with the same {$4300.00} payoff quote amount. The payoff quote period was from XX/XX/XXXX - XX/XX/XXXX. I forwarded the same email with the same payoff quote amount to the Insurance company and on XX/XX/XXXX the insurance company immediately sent the check # XXXX for the {$4300.00} payoff quote amount directly to XXXX to their XXXX AZ address. XXXX received the check and did not apply the check to my loan account in a timely manner. And they did not update the account with the payoff check and did not report the account as paid in full to the Credit Bureaus. 
I called XXXX and asked what happened to the check and why have they not applied the payoff check to my account ; I did not receive an explanation but they transferred me from one unhelpful employee to another unhelpful employee. And my issue was not resolved. 
XXXX did not report the account as paid in full to the Credit Bureaus and they reported my loan account as late payment and delinquent. XX/XX/XXXX I filed disputes with XXXX ; and filed disputes with XXXX and Experian and they did not conduct a proper investigation and they did not update my credit reports/files to remove the late payment, delinquency, any derogatory information from my report ; and, did not show the XXXX account as being PAID IN FULL/SATISFACTORY.
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX Removal of unauthorized inquiries XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX, XX/XX/XXXXFraud alert was placed XX/XX/XXXXon Transunion Credit Report XXXX Transunion refuses to remove inquiries. Please delete.
On XX/XX/XXXX I reported XXXX fraudulent charges on my Citibank card, and was told I would not be responsible for the fraudulent charges which would be reversed in 3-5 business days. XXXX were reversed in two days. The third is still on the account. I have spoken to XXXX representatives over two weeks, including representatives from the " Fraud Department '' and the " Billing Disputes '' department. I have been given three dates by which I was assured the charge would be reversed ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). I have been told I need to speak with the " XXXX Department '' but could not be connected to them because they were " very busy ''. I was given XXXX different phone numbers to call the Security Department directly, however all three are always busy at all times of the day. In five more business days, the fraudulent charge will start accruing finance charges, in which case I will have to fight to dispute those charges in addition to the original fraudulent charge.
Mortgage lender overcharging me in closing costs. They have financed my upfront MIP into my loan which I asked if they can remove several times. They are also charging me this same upfront MIP again at closing. I met with bank, several times in reference to this and now on the day of closing, nothing has changed. They have finance {$5500.00} in my mortgage which I may add made my down payment of 3.5 % higher and now they also have that amount calculated within my closing costs. 
My issue with the closing disclosure is that it is very misleading as it does n't say anywhere on it that they have added my upfront MIP on the balance of my loan. The MIP is listed as one of my closing costs which they state can not be removed. It should be removed because it was financed in the balance of my loan.
For no reason my coinbase account has been disable, ive been very patient waiting over 5 months and they still dont do anything to solve my problem. I tried many times calling the coinbase support and emailing them but nothing happened. I have my savings in this account and i do not want to loose it.
XX/XX/XXXX. XXXX and XXXX was a time of hardship as I was a student in the process of getting my XXXX XXXX XXXX license in the midst of starting my new career to be stable and so I couldnt do the payments on time as I was unpaid as a student in school then becoming employed. Ive had an account with XXXX since XX/XX/XXXX and have been on time since those two months and it is critical that I bring my account to great standings now that I can.
I did not get the bonus for opening checkings account with Bank of America. On the website XXXX I scheduled an appointment to my nearest branch as said on the website from the link on the website. I received email on XXXX XXXX, 2016, XXXX CT with confirmation number for appointment XXXX to open the account with above offer. I opened the checkings bank account next day with bank manager saying that bonus will be honored once direct deposits are made. I chatted with Bank of America representative same night to know when Bonus shall be received. She said that Bonus will be received after 90 days of meeting requirements. I did n't receive bonus till XXXX. I called Bank of America on XXXX XXXX on customer service. The representative said that after meeting requirements in 90 days, it usually takes around 1 month for processing the bonus. In XXXX I did n't receive any bonus. On XXXX XXXX, 2016 I again called the customer representative that I did n't receive bonus in spite of continuous direct deposits. She asked me to call XXXX number as the Promotion department was closed that time. I called the above number on XXXX XXXX, 2016, I called the above number and everything was answered in XXXX. So I again called the customer care on XXXX XXXX, 2016 to take up the case, continuing from yesterday. He calls the promotional branch and replies that I am not eligible for Bonus. He tells me that my name is not there in their list. I tell them its not mandatory to open the account online, its given on the website that the account can also be opened by going to the branch and my scheduling appointment through the website is the proof of it. They told me that you can talk back to the branch. I am tired of this Flip-flop from one person to other. 
My logic is simple. I opened the account through the promotional offer website by going to branch. The branch person who opened my account. I met all requirements with all direct deposits till today. Now its their turn to honor the bonus. My work hours as a XXXX do n't give me time to go to the bank branch on weekdays like they want and I do n't understand, why I should go to the branch. They should contact the branch manager by themselves and resolve the issue, but the customer service do n't want to open the case. I think Bank of america just does n't want to honor the bonus and make their customers beg for bonus. I am soon going to terminate my account if I do n't get my rightful bonus from them.
XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX, XXXX, TransUnion. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. The only address that is correct is XXXX XXXX XXXX XXXX  FL XXXX. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX XXXX, FL XXXX  at XXXX XXXX on XX/XX/XXXX.
XXXX XXXX ( Several accounts in my name that are negative ) I challenge the accuracy, compliance and reportability of this listing. no valid claims ... accounts were settled with my assistance provider and I was informed that no late fees would be reported because of their delays and system issues with processing my aid ... grave errorsfalse claims and reportingI want these accounts rectified immediately or litigation may follow. You can not report late payments that are incorrectthis is unlawful You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights.. I have previously disputed the above-mentioned student loan payment history. Be advised that there are no regulations promulgated by the DOE and the FCRA that restrict you from updating/correcting past payment history. By failing to update previously reported information, you are in violation of Section 623 ( a ) ( 2 ) of the FCRA. Be advised that the Holder Rule protects consumers claims & defenses against a creditor or assignee 16 C.F.R. 433. The advisory opinion goes on to state that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct even if the loan was correctly reported as delinquent, but has subsequently been paid.
I have been contacted at least three times by phone by the Law Offices XXXX. Each time I have told the caller that I do not owe this debt. I have never lived in XXXX, AZ and I have never owned a business. In XX/XX/2016, I sent the office a certified letter stating that I do not owe this debt ; requested that they mail me documents about this debt ; disputed the debt ; and to stop all communication with me. This harassment began in XX/XX/2016 and has continued to XX/XX/2016. The caller is XXXX XXXX and his tone is threatening and disrespectful.