WillisBack/dataset-financial-user-claim huggingface dataset:
I, XXXX XXXX hereby files a complaint to clear my name with two creditors that need to take an identity theft matter seriously. I have attached to this complaint copies of my original complaints on both creditors. The responsible party for this identity theft was my own father. I should not be penalized for his actions, and for that matter I did request copies of all original creditor contracts that were fraudulently signed with my name. I never received any credit cards from either creditor, and I never knew the accounts existed until I was notified that these credit cards were in default after they were maxed out on credit limits. It does not matter to me if this identity theft is turned over to the proper legal authorities, as what is important is that the truth must be exposed. 
Accordingly, all fraudulent accounts must be deleted from my credit reports permanently. I did receive notice on one of the deletion pages from XXXX whereas State Farm stated that they reviewed the creditor documents, and that there was sufficient evidence showing that I was the signing party, and the person responsible for payment. This is a complete fabrication. Therefore, I have no choice but to file a complaint with XXXX as well as every credit reporting bureau that the investigation process mandated by the subscriber agreements signed by creditors is being ignored. Each creditor must comply under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act under the subscriber agreement upon. Therefore, I file this complaint with the Consumer Financial Protection Bureau to fulfill the agreements between creditors and credit bureaus. 
All the complaints must be taken seriously, and my rights must be protected. All accounts must be deleted permanently from my credit bureaus, and I must be given notice that my name and social security number have been purged to avoid future collection activities, either by the creditors directly or any associated collection agencies. 
I will obtain legal counsel if necessary as these violations on my rights have caused me great financial harm as well as mental and physical problems. These accounts must be deleted permanently, and my name and social security number must be purged immediately.
I have had numerous issues with XXXX XXXX, the first issue has almost been resolved however I am still after 3 months outstanding a payment of {$230.00} which apparently comes from FHA direct! The other issue which is ongoing and I have numerous emails and phones calls logged with them, is that I have had my FHA mortgage since XX/XX/2012 and as soon as the 5 years were up and we met all the criteria to have the MPI removed, I emailed/called/wrote to them, never had a response albeit generic emails to say put it in writing to us why you want it removed and if you meet the criteria we will contact you! This was an ongoing issue, one one phone call the agent told me I would not be able to have the MPI removed as the Loan to Value was not enough and it was not a current valuation but original valuation, I explained I wanted to make a payment to bring the LTV down to the correct amount which would save me {$240.00} a month, yet again she said she would get the dept to contact me! they never did, they have documentation of all my email requests, XXXX XXXX at XXXX has confirmed this and I have been in touch with him since XXXX, so I have basically overpaid {$240.00} per month and I want a refund of this asap, they have told me I am correct and this should have been actioned and it is with the Manager, well it has been with the Manager for months! I want a resolution as this has so far cost me time effort stress and more importantly my hard earned dollars. Please can you help me reach a conclusion. XXXX
I have had various checking accounts and a Mortgage through Chase Bank. Going back many years but also just in the last few days I have been a victim of them generating as many Insufficient Funds fees as possible by processing checks and other transactions not in the order they present to the bank but always, always starting with the largest XXXX first and then in order of descending amounts to charge the greatest number of {$34.00} fees. I have also had both a check and a direct deposit occur on the same night several times including once within the past 30 days and on these occasions they list the check as presenting before midnight and the deposit afterwards and again hit me with a {$34.00} fee. I am a XXXX and live off an income of only {$730.00} per month plus some food stamps. In the past 31 days they have taken {$130.00} from me using this method of maximizing fines. On a good month, I can barely survive if, and only if, there are n't any extra or unexpected bills. My XXXX XXXX XXXX car needs many repairs. And chase Bank is robbing me XXXX!!! I do n't know what to do. Their practice targets the poor most of all and if not illegal is definitely unethical. I will be closing that account as soon as possible and shopping for a new bank. But I do n't have enough money to survive the month having lost {$130.00} to them in 31 days and starting this month with negative - {$98.00} in the bank. Is it legal for them to process both a deposit and a check in the same night but to do the check first and charge {$34.00} when the money was there to cover it? Is it legal for them to gouge poor customers by always processing checks in descending order to maximize fines? Is there anything you can do to help me get some of it back? 

Just FYI, we also used to have a mortgage through them but when we got behind and tried to catch up they did everything possible to foreclose and evict us. The legal fees we incurred ( while I was still married ) was enough to enough to buy a car. Chase is a truly malevolent and greedy institution.
This company has called me multiple times. Today, specifically, they asked to speak to XXXX XXXX. I asked who was speaking. The lady on the line said XXXX. I said, " Ok XXXX, where are you calling from? '' She says, " BRG ''. I said, " What is BRG? '' She said, " Is this XXXX XXXX? '' I said, " What is BRG ''? She then says, " Is this how this conversation is going to go? '' I said, " What is BRG? '' She then says, " I am not allowed to disclose personal information '' To that, I reply, " Telling me what BRG is, is not giving out personal information ''. She then says, " I 'll call back later ''. This is not the first time they have refused to tell me what BRG is. Their called ID is very sketchy and says " Unbound '' followed by 5 or 6 numbers. I have never heard of BRG and have no idea why they are calling but I do n't want to even attempt to find out why they are calling if they are n't even willing to identify the company and what it is.
Submitted a payment onXX/XX/XXXX. Payment posted to my bank account XX/XX/XXXX. Discover did not credit my account for the payment. I brought this to their attention and they had me submit a copy of my bank statement and was told they would correct the error. As of XX/XX/XXXX my account was not credited.
Mortgage servicing complaint against Roundpoint Mortgage Servicing Corporation. XXXX personal complaint with CFPB about Roundpoint in two years. In each incident Roundpoint has failed to cashed mailed payments on timely basis. I strongly suggest the regulating agency that is responsible for conducting audits pay a visit to Roundpoint. Roundpoint failed to return phone call " immediately '' as their voice response system stated. 5 days latter I phoned Roundpoint and waited 1/2 hr. on hold to speak with customer service rep in XXXX TX. Rep. informed me Roundpoint had not received payment and late charge was automatically charged. Rep. offered to take a courtesy ACH payment over the phone, I agreed. I shared past experience with XXXX the personal check that was not received was then cashed on the same day as the day the courtesy ACH payment was made. Rep. did look at my payment history and decided to waive late fee. Seriously this does n't pass the smell test, something potentially bigger then lack of execution between the lockbox services they have outsourced with XXXX and Roundpoints internal IT is happening. The leadership is either aware of the problem or they need to be made aware of the problem or they do n't care, could be the culture of the organization. XXXX XXXX had a saying, its ok to make a mistake because we can all learn from our mistakes but if you commit the same mistake twice your doomed to fail.
i have disputed this with the credit bureaus 3 times i have contacted the bank ( XXXX XXXX XXXX XXXX ) over 20 times over a 3 month period starting inXX/XX/2017 when i had the loan originated with fm home loans who you bought it from there was supposed to be 4 months of reserves. 3 days before closing the terms were changed by the underwriter and i was not informed.

after XXXX XXXX XXXX XXXX bought the loan i had assumed this went through. i did not receive in XX/XX/XXXX, XX/XX/XXXX orXX/XX/XXXX stating that my payment was due. in XX/XX/XXXX i received a tax bill from my town and a mortgage bill. i call XX/XX/XXXX and asked why i received the bills and if there was money in escrow to pay it, I WAS TOLD YES THERE WAS. inXX/XX/XXXX i received the 30-day late notice from my credit report and immediately call XX/XX/XXXX to find out what happened. they explained that there was no money in escrow for mortgage and that when i was told there WAS they were only referring to the tax bill. I IMMEDIATELY PAID ALL 3 MONTH OF BACK MORTGAGE TO CLEAR UP THE MISUNDERSTANDING.

The 30 days late was not my fault, it was not XX/XX/XXXXfault but a tragic misunderstanding by both parties and i should not be penalized for this. I have provided documentation from both the originating bank ( fm home loans ) and emails stating this.

the only response i get fromXX/XX/XXXX is " we looked into the matter and believe the reporting is correct ''
Received letter from Wells Fargo thanking me for opening a credit card account with them. The letter also included a copy of my XXXX credit score. 

However-at no such time in the past nor present have I ever requested and/or applied for a Wells Fargo credit card.
Recently I have had several thousands dollars wired from outside acct into my Citi Bank checking acct. What shocked me is Citi charged me {$15.00} for service fee. It is such a ridiculous policy to punish its own customer to put $ $ to his Citi account. That explains again why Citi performance XXXX.
I had tried to resolve issue with original creditor at first. Simply asking for verification of this debt. I never received a response. When I found out that they sold the debt to this new company I asked this third party to validate this debt. In return they only sent me a letter saying there is a debt for {$110.00} that is owed. I called and explained that this was not validating. I resubmitted for debt validation ; never received a response.
The debt through XXXX is paid and has never been sold.The payments were not going to that company. The XXXX payment went to Rosen Management and the second payment went XXXX XXXX which cell phone accessories. They continue to call and harass me for more money. I have disputes in about the XXXX payments with XXXX.
After having to leave the state of Colorado due to medical issues, my FMLA has denied and I found myself struggling to cover expenses. I called the car company and asked them to please come and pick up the car due to the financial issues. The representative whom had been very pleasant any other time that I had dealt with her, starting getting very loud and attempting to explain to me that they are not in the business of just picking up vehicles and I that I just need to find someone to borrow the money from. She continued to berate me to the point that I just had to hang up. After a month of multiple daily phone calls and continued threatening messages they finally scheduled a pick up of the vehicle. It has been a month and a half since they picked up the car and they are still calling multiple times each day, including Saturdays. I asked them to please stop harassing me that it wasn't helping the situation to be told that they would just continue to call until I gave them their money. 
I get calls all day long from several different individuals. I haven't had the vehicle in almost two months and they will not sell the vehicle so I can settle the account.
I have submitted a dispute to Experian for multiple inaccuracies found on my credit report. Mainly a report of Bankruptcy on my report and the status of multiple accounts showing as " account included in bankruptcy. '' I never filed for bankruptcy and there should be no reference mentioned on my credit file. 


The investigation from Experian came back as verified for accounts such as : XXXX XXXX, XXXX and XXXX. All of these accounts also show paid/never late.
On XXXX/XXXX/2016 I made a payment to my Navy Federal Checking Line of Credit, which NFCU claimed on XXXX was returned unpaid. On XXXX/XXXX/2016 my account access for all of my Navy Federal accounts was frozen. I called NFCU to inquire as to why I could not log in to my accounts. At that time the agent attempted to walk me through a password reset of my account. I was still unable to log in. At that time I was advised that my accounts were fine, but that the loans department had placed a freeze on my accounts. That team was unavailable, so I had to call back. 
I called NFCU again on XXXX, and was advised that because my Checking Line of Credit was delinquent, my electronic services had been revoked. I had no access to any of my accounts. I was assured that until I paid what I owed Navy Federal, I could still transfer money between my accounts over the phone to pay things like my car payment and credit card, as well as use my NFCU credit card as long as I continued to remain in good standing on those accounts. 
On XXXX I started receiving notification from places I was making payments to that my payments were bouncing from both my credit card and checking. I called again and asked about what was going on, and was advised that my account was overdrawn. NFCU had removed all money from my accounts to go towards the XXXX balance. An item attempted to clear my account, but was returned. The vendor, XXXX, had another attempt scheduled for that evening, so I asked the agent to have money transferred from my credit card to checking to cover the balance until we figure out what is going on. I was advised at that time that ALL access to anything, including transfers, my credit card, etc. had been taken, and I could not access my accounts until NFCU was paid for the XXXX that was past due. I can not even use the phone to handle my account. 
At this time, I have no access to any of my accounts, and NFCU has caused my checking account to become delinquent as well. I have all of my liquid financial assets with NFCU, and this is causing severe hardship for myself and my family. I received no notice that my accounts would be frozen, especially when I am not delinquent in all that is frozen. I understand that this practice is in direct violation of the CFPB ruling file XXXX/XXXX/2016 labeled " XXXX ''. 
I would like my access restored, and any harm done to my accounts to be reversed, immediately.
My mortgage LTV is currently 77 % and the mortgage service company will not remove my PMI. They have sent a new letter stating I must have a 75 % LTV. 
Last year, when the LTV was at 79.6 %, I sent a written request to remove PMI and they denied my request but did not explain what specifically disqualified my request. This was a refi but I 'm not seeing anything in the rules making it different from an original purchase. 
If the law says PMI must be removed when I reach 78 % LTV, why can the mortgage service company keep charging me this fee?
I am the personal representative of my father 's estate and have power of attorney for my XXXX mother. My father passed away in XXXX, XXXX. He had a Capital One credit card account with a zero balance at the time he passed away. Apparently my mother was also listed as a card user. Several months ago I received a statement charging an annual fee for the card. I called the company and explained that my father had passed away and the account should be closed. I provided them with a Death Certificate for my father and Power of Attorney for my mother. They then sent me a letter that indicated I needed to provide them with additional information that I believe is an unfair practice. Their letter of XXXX XXXX, XXXX requested that in addition to the Power of Attorney that I provide them with my address ( which they have ), that I provided them with my Social Security number, that I provide them with a copy of a valid government issued photo ID, that I provide them my citizenship, that I indicate if I am a resident or non-resident alien, provide them with my employment status, that I provide them with the name of my employer, that I provide them with my occupation and that I disclose my annual income. None of this additional information has been required to open estate accounts or to close other accounts my father had. In the last statement they provided they had added late fees and interest charges to the annual membership fee. The apparently have taken my father 's name off of the account as the latest statement was addressed to my mother at my address.
This company by the name of Honor Finance has been continuously reporting inaccurate information to all three major Credit Bureau. I have filed several disputes asking all CB to delete this inaccurate information based on the grounds that this company has not provided myself or the CB with sufficient information as requested. It has been 7 months now, extremely past the allowable time in which the creditor has to respond to my request of information and validation of debt, in accordance with FDCPA. At this time this company is in violation under FDCPA section 809 ( B ). The derogatory information thats being reported is stopping me from advancement in my career.
I have had the same issue for over 8 months. 
When you pay online it never shows as a pending payment. In XXXX I first told the office of the president and they had to credit me back for a XXXX payment. I have been dealing with XXXX XXXX and XXXX XXXX. 

Until the payment posts you receive emails indicating that the payment is due and you continue to get reminders. When you go online you can not confirm the pending payment. Customer service can not see it. You have to call the complaint department for them to see it. They tell you the same thing we will IT know. 

When you make a dispute, they call you back in a few days and then note it has been resolved even when you have not spoken to someone since the initial complaint.
I never got a bill from credit collection services. I have no idea who they are and I never had any dealings with who they represent.
I had XXXX credit cards with Chase. 
They were both a a couple months past-due. 
I paid the cards off completely and, in doing so, brought them current. 
So Chase automatically closed the account. 
I had no notice the account had been closed. 
I did not find out the accounts had been closed until a message appeared online after I had paid off the accounts. 
If I had known the accounts were closed, I probably would have negotiated to settle the debt for less than the total, that included many, many fees. 
So Chase got their fees and then closed my account.
We opened this account in XXXX and paid on time each month until XXXX XXXX when we filed for bankruptcy ( Chapter XXXX ) when we stopped making payments per our attorney. The trustee made payments to XXXX until we dismissed the bankruptcy in XXXX or XXXX XXXX. XXXX is incorrectly reporting the account as late every month during this period, instead of stating that it was included in the bankruptcy and omitting the fact they were receiving payments from the trustee.
I have sent 5 certified letters to Experian, which were accepted by them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX and XX/XX/XXXX requesting all the information in my credit file and anything in my file that was incomplete or unverified either needed to be completed, corrected or deleted. they have done none of the things as required by law under the free credit reporting act. there is an account that they are reporting as open that has been closed for over 2 years. there are multiple accounts on my report that are missing payments. I asked that these payments be verified and added or delete the file, this has also not happened through repeated inquiries.
I first contacted Equifax XX/XX/2016 disputing inquires that I did not authorize. As of this date I have yet to have Equifax honor my request. I advised Equifax to please provide me a copy of the documents that were used during there investigation process so that I can verify its validity. Equuifax is knowingly and willingly using delay tactics to assiste me regarding this matter, Furthermore, Equifax if in violation of the FCRA. Equifax actions have negatively impacted my credit worthiness and credit score causing me great distress.
I would like the remarks that are showing on   XXXX   XXXX   and   XXXX   to be removed. Bothe accounts have remarks that read : " Account information is disputed by consumer ''. I am NOT disputing these items and since I have not received any FCRA verified information as they state I want the remarks cleared please. I do not want remarks showing this because no proper investigation was done and  XXXX   XXXX  and   XXXX   XXXX   have assured me that they would send Equifax and   XXXX   alerts to remove the remarks because no investigation was done by the companies in a timely matter.
Freedom Mortgage increased my payment by {$500.00} a month. I received a late notice in XXXX. To cover for this difference, I sent {$1000.00} to cover for both XXXX and XXXX. My mortgage payment is on auto-pay and so the XXXX payment would be short as well. 
Freedom Mortgage received the XXXX payment and as-lied a portion to the XXXX deficit, then applied the balance to principal. They did not apply the {$1000.00} payment but held the funds for 18 days. They then assessed a late charge to my account for XXXX. Freedom Mortgage has receipt of the full payment, yet did not apply it to my account, further they charged a late fee.
I have a habbit of setting up online payments to pay off the balance on my Bank of America credit card every month. In XXXX of 2015, I noticed that Bank of America had gone in and modified my authorized payment - without any notice to me - to reflect an amount lower than what I had set up. If I had not caught it timely, this practice would have exposed me to interest and fees, despite having received a " confirmation '' for the payment that I had previously authorized. Bank of America representatives initially denied that anyone on their end could change payments scheduled by a customer. After elevating the issue, I was finally told that the modification had been a " computation error '' made by a " new system '' and that it would not happen again. The issue has now repeated itself and Bank of America representatives are now repeating the same lines they used last time, stating that no one on their end can change scheduled payments - despite already admitting after their previous investigation that their " automatic '' system does in fact take actions to modify customer payments and expose customers to interest and fees without notice.
I filed for bankruptcy from  XXXX  to  XXXX . The credit card   XXXX    through   XXXX   XXXX   was placed in the chapter   XXXX   bankruptcy. I sent full payment of   XXXX   to the bank and a check was returned to me stating due the account is in bankruptcy, they could not accept any payments. The bankruptcy was dismiss  XX/XX/XXXX  and they continue to report that my account was late during the time it was in bankruptcy. The account should have reflected never late because it was in bankruptcy.
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I contacted   XXXX   XXXX   several times to resolve the issue but I keep getting bounce to the bankruptcy department and back to customer service.