WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX is continue to report false information on my credit report. Nelnet is not original creditor. I never sign contract with Nelnet. Nelnet can not prove that it my debt. Nelnet claim that I owe {$23000.00}. Where is the original promissory note that I sign for {$23000.00}. What the name and address of original creditor? Who the person who approve this promissory note? When was first payment made on this account? When was last payment for this account? It seem like Nelnet try to use false deceptive, or misleading representation in connection with the debt collection. I feel that it not right to try discriminate on me because I am XXXX male. I am requesting that Consumer Financial Protection Bureau does investigation on Nelnet trying take advantage of minority. I will like someone from Consumer Financial Protection Bureau to meeting next month XX/XX/2018 in XXXX with XXXX XXXX XXXX, myself and document expect to look at promise note.
I have written several RESPA letters to my loan servicing company : Fay Servicing. At first, they sent me a letter acknowledging the first letter is sent, few weeks after, I received a package letter from they lawyers, that was the incorrect response to my first RESPA letter. 
I sent 5 more RESPA letters since then, they again acknowledge one or I should say they they sent me one acknowledgment letter ... that is it.. up today ( XX/XX/XXXX ) did not get any responses. 
-First RESPA sent : XX/XX/XXXX. They got it XX/XX/XXXX - letter of acknowledgment : XX/XX/XXXX- incorrect responses : XX/XX/XXXX - second letter sent : XX/XX/XXXX-acknowledgment XX/XX/XXXX- respond date : none - letter # 3 & 4 : send XX/XX/XXXX : acknowledgment : none- responses : none - letter # 5 & 6 : sentXX/XX/XXXX. No acknowledgement- responses : none I have 3 more letter I wanted to send to them. Will send them the week of XX/XX/XXXX.

I need those responses in order to make the best decision to keep my apartment. I offer them to negotiate the rear of my mortgage, they dont want to negotiate.
Lending Club continues to send me " pre-approved '' loan offers after having twice to lend me funds. I have written to the company and they sent me a response that does n't really answer my complaint.
On XX/XX/XXXX, I sent investigation requests to Equifax and XXXX XXXX, asking them to investigate errors on my credit report. They are supposed to conduct investigations and respond back to me within 30 days. Today is XX/XX/XXXX, and neither have responded. Obviously, both agencies have taken too long.
There is an incorrect address on my report : I have not lived at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX
I am a customer with rush card / meta bank and I have not received my direct deposit that was processed by my employer and I have been unable to contact customer service to get any updates as to when I will receive my funds.
I recently met with an attorney regarding errors on my credit report and learned that XXXX XXXX XXXX is incorrectly reporting mortgage account information on my three credit bureau reports. My last payment on my XXXX XXXX XXXX Mortgage was dated XX/XX/XXXX ; therefore, the status date on the account was XX/XX/XXXX. No payments were made on this account after XX/XX/XXXX. This account should have been removed from my three credit reports XX/XX/XXXX.
I submitted a dispute on XX/XX/XXXX via online dispute process in order to dispute 8 hard inquiries that are being reported on my credit report. The request that I submitted included 8 Hard Inquiries that were not factual and I received the same response for ALL inquiries which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 2 days after the receipt of my dispute, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report could display a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. the following inquiries i need removed below i have included the dates according to XXXX XXXX confirmation number from original dispute XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
I opened up an account with simple bank on XXXX/XXXX/XXXX. I then need to update my address on XXXX/XXXX/XXXX. They asked for a selfie with my address behind me, which I gave them, then a photo with me holding my id and my address behind me, which I gave them, and this was exactly what there " options '' stated to give them to verify my residence. They then send me an email stating sorry bu we need more like a utility bill and a photo of my actual house. I told them I do not get bills in the mail everything is electronic and why would you need a photo of my house that is an invasion of privacy. They then stated that they could not confirm my new address even though my selfie with my address behind me matches my id photo I sent them, but that was n't good enough for them. So I then told them I want to close my account and they confirmed that on XXXX/XXXX/XXXX that my account would be closed. I then waited 3 weeks to find my account was still active and not closed at all. So once again I contacted customer service and they then returned to me that oh we ca n't close your account until we confirm your address. So for a week a went back and forth with them on how I followed all their regulations on how to confirm the address and even quoted there document on how to confirm an address where it stated on option 1, to take a selfie  with just your address behind you. The representative then replied saying oh I guess we need to update our regulations on our address confirmation and we still wo n't confirm your address. They literally decided to make up and change their own rules and regulations on me whenever they felt like it. So now I know they are pulling my string to take my identity because they have all my information and even selfie of me. It is wrong what they are doing and what bank needs a confirmation of a new address to close an account. They did n't even need to confirm my original address but they wanted to confirm my new address. My last conversation with them was on XXXX/XXXX/XXXX with them still refusing and I have kept all messages with customer service as proof even stating how they basically changed the regulations on me on their own accord. That is discrimination. I have reported them to the federal reserve and the federal reserve has stated they have now forward the report to the CFPB. Please help as I do not trust these liars as they are potentially taking many consumers identity.
I was in the process of buying a Home when I pull my credit report I found account that were not accurate. I have no account with XXXX XXXX XXXX there is some type of mix up or issue. The XXXX. XXXX XXXX XXXX ( XXXX ) is in good standing this account is listed wrong error please delete. XXXX XXXX ACCOUNT ( XXXX ) this account is duplicate error please delete account. These account have not been verified accurate please delete. These 3 accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for XXXX or agent of XXXX, XXXX XXXX, EQUIFAX a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. If you had investigated it completely, no XXXX system no thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this. XXXX vs.XXXX, XXXX vs. XXXX ( XXXX ), and XXXX vs. XXXX, Equifax, et al, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.
A check was mailed to pay off my Macy 's account in full on XXXX XXXX, 2015, and to this day Macy 's still has not applied my payment to my account. Macy 's cashed the check, but refuses to apply the funds to my account.
I have a mortgage with a servicer by the name of seterus, I just received a letter from an attorney claiming to be the attorney for fannie mae and seterus. I had requeste information regarding the hoa fees charged to my account. This attorney XXXX XXXX, has lied. He says they were not hoa fees, even though that is what is written on the statement. He says those are attorney fees for the attorney in some quiet title law suit. I have never received a letter from an attorney, and further that case didnt start until 5 months after these fees were charged. I want to know who the attorney on my loan truly is. I am being scammed out of my property and want answers.
I have never signed a contract or entered into a legal agreement with your company or firm. No information has been sent to me and nothing has been proven that neither the information you many have or the debt belongs to XXXX XXXX. Your company has engaged in collection activity prior to validating a debt and has not submitted any documentation to support your claim. This is to serve as your legal notice under federal law ( The Fair Debt Collection Practices Act ) to cease all communication with me in reference to the account above. I do not have an account with your company nor have I ever has an account with any company you claim to represent. Remove this account upon receipt or I will file suite against officers of your company and your company within 5 days.
Saw that there was an account I did n't recognize when I reviewed my credit report. XXXXt/XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to equifax, XXXX, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX/XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, eqifax, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.
In XXXX we fell behind in our mortgage payments which resulted in our house being foreclosed on. The foreclosure process began in XXXX of XXXX. We received a letter saying that we should be out of the house by XXXX XXXX, XXXX. We were out by that date. Sometime during the foreclosure process or after our mortgage was sold from XXXX to greentree mortgage. In XXXX of XXXX I had my credit pulled to see if I would qualify for a loan with another bank. They told me that they see the foreclosure of my house with XXXX, but they also saw another foreclosure from greentree that started in XXXX of XXXX. I have contacted greentree several times and I 'm always getting hung up on, or told to call XXXX to get information about what 's going on. Greentree claims that I owe them over {$19000.00} and that they have had the mortgage XXXX. On another call they say that they have had the mortgage since XXXX of XXXX. I can never get a straight answer from any of there employees or supervisors. They are rude and act like they have no clue about my account with them. I get switch back and forth from department to department with the same dead end results.
I have submitted XXXX disputes with TransUnion over the past several months. I have not received a single response from them via US Mail with the results of their investigations. I also have not seen any changes on my credit report based on the credit report that has been provided to me by my credit monitoring service.
I and my wife have a checking account and safe deposit boxes with Wells Fargo ( Crown Checking ) for the past several years. I and my wife have created a living trust for which we are both the trustees. We wanted to transfer our checking account and our safe deposit boxes to the name of the trust. The bank has refused to transfer either the checking account or the safe deposit boxes to the trust. They are asking us to open new accounts. With the new checking account, we do not get the same benefits that we are currently getting on our grandfathered checking account. Also, on the safe deposit boxes, we have been asked to forfeit the remaining terms of the boxes and open new ones. it appears that the bank is cheating us out of current benefits we get on our checking account since they are willing to open new accounts for the trust but unwilling to transfer the existing account to the trust name. All my other banks, mortgage companies, etc have been able to transfer account without any problems. 

I have also requested the bank to give me a written explanation for not being able to transfer the account to a trust account. However, i am being told that it will take them about 60 days to provide a response and the representative is not even sure what the response would be. This seems to be unfair.
I would like the following inquiries removed from my credit report. I do not have knowledge of allowing them to check my credit. XXXX Creditor Name/date of inquiry XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX Creditor Name/Inquiry Date XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian Creditor/date of inquiry XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
I purchased XXXX ethereum at the price of {$190.00} each, with a total of {$780.00} including {$11.00} fee. I made this purchase on XX/XX/XXXX at XXXX PDT and the confirmation E-mail i received stated I 'll receive the XXXX ethereum on " Your ethereum will arrive by the end of day on XX/XX/XXXX XXXX. '' It 's XX/XX/XXXX now and I still have n't receive them. I 've been E-mailing to Coinbase support for the past week and no reply at all. 
My E-mail to my coinbase account is XXXXXXXXXXXX
The US Bankruptcy court is reporting a Bankruptcy with my name. The US Bankruptcy Court told me that they do not verify or report this information to the Credit Bureaus. That information was pulled by a Third Party and they reported it to them. Equifax stated that they verified this information with The US Bankruptcy Court, which is a blatant lie, therfore this Bankruptcy on My Equifax Credit Report must be deleted permanently from my Equifax Credit Report.
Almost 5 months ago I applied for a mortgage refinance with Amerisave. Despite the fact that my wife and I have excellent credit and income well above average, and also despite the fact that our house is in a very desirable area of XXXX NJ, the loan still has not been closed. I have been told verbally over the phone that I have been approved and that the closing will be scheduled soon but I am repeatedly asked to supply " just one more thing before we can close ''. I have asked to speak to a manager several times and the people I am dealing with have refused to give me the contact information for a manager. What has been happening over the past few months is that I have had to send and resend documents. They asked for a bunch of documents ( which is expected ) but then would later request them again, saying they lost the fax or in one case " my signature was n't dark enough ''. The document with the supposed signature problem was to request my tax returns from the IRS and that happened months ago. There were also some repairs ( adding a missing handrail and such ) that I needed to address and have done so. Now that the repairs are complete I am being told they found something on my tax returns ( this is months later ) and they need me to fax my original tax returns or they ca n't close the loan. I did a little checking and what I realized is that the interest rates have gone up and what I believe is that they keep stalling hoping that my rate lock will expire or that I will get so frustrated that I just go somewhere else. A friend recommended the CFPB. All I am hoping for is that someone contact Amerisave and verify that I am not being scammed and maybe motivate them to close the loan and honor the rate I have locked. Please note that ( after the fact ) I read some reviews on websites and have found that I am not the only person to have this problem with Amerisave.
I was a victim of idenity theft and I sent in all the documents and they removed everything that was fraud except this one account.
During our country recession XX/XX/XXXX-XX/XX/XXXX I loss a substantial amount of income due to ex spouse losing employment with XXXX XXXX. I was struggling to pay mortgage to Wells Fargo. I never fill behind two full months. I was never more than 45 days behind in my mortgage payments. I would send my payments in the form of money order or cashier check so that it was like cash they would receive. Long story short Wells Fargo held my payments and pushed foreclosure proceedings fast ahead. Afraid of losing my home I filed bankruptcy. At this point Wells Fargo sent back all my payments that totaled around 1500-1800 dollars. In the meantime this caused me to lose XXXX in equity not to mention attorney fees when I never came close to missing three or more mortgage payments. I often think was this fair and lawful? I wonder how many thousands of other mortgages were falsely foreclosed on due to Wells Fargo using this unfair practice of holding up payments or not applying payments towards the mortgage. I also recall how slow Wells Fargo was in assisting me with Harp to the point where my payments appeared to fall further behind and they never did help. I contacted another organization locally by the name of XXXX XXXX XXXX XXXX by way of my attorney and thats who helped me.
This is a group in XXXX that calls several times a day about the amaozon card. they do this even before the payment is due. they want you to wire the money or postdate a check to them over the phone(NO WAY)  they say they represent Synchrony Bank. I called the bank and they stated they were having trouble with that group and guaranteed me that i would not recieve anymore calls from this group in XXXX well this was good for a bout two weeks and then this morning they called again
On XX/XX/XXXX, I emailed KeyBank and advised them that I have not received statement on my mobile/online banking for over 6 months. Instead, When I click to download my statement, a notice appears telling me that my account is undergoing technical difficulties. Again, I have been receiving this same notice for 6 months or more now. KeyBank responded XX/XX/XXXX, apologized and stated that the issue would be corrected in 4 to 5 business days. My confirmation # for this complaint is XXXX. On XX/XX/XXXX, I logged in to KeyBank again, to view my statement and make a payment. There was no statement and In its place, another notice that my account is undergoing technical difficulties. I Have paid my loan monthly and on time b/c I have received statements in the mail. I have not seen a statement for the month XXXX. I have not received it in the mail, and it is not posted online. I will gladly make payment but need to view my statement first. I do not wish to receive statements via mail, and would prefer statements be posted to mobile site for convenience. Either way, I at least need to see my statement. I e-mailed KeyBank again on XX/XX/XXXX regarding this issue and have had no response back. I Am disappointed with KeyBank service. I have had several issue in the recent past. This now my 3 CFPB complaint. It is the only way things seem to get resolved.
I began making payments on a debt for XXXX XXXX XXXX with a credit collector named XXXX. The file was pulled on XXXX/XXXX/14. I was then sent a bill from Penn Credit in XXXX of 2014. I called the company and asked them why my balance had not changed. They told me they had no record of payments. I told them I made five payments toward the bill and they told me to fax them proof. I spoke to XXXX and faxed the proof of payment on XXXX/XXXX/14. XXXX told me that the proof would be submitted and investigated and they would contact me with the results. Over one year later I received a new bill from Penn Credit and the balance was reduced by one payment. Instead of wasting more time I am sending the proof to you. I will not make payments until they reflect my true balance. I paid {$620.00} of the debt and should get full credit for it.
Back in the end of XXXX, beginning of XXXX I filed a complaint about this loan which they say is mine. When I try complaining, all the credit bureaus do is try to get me to admit it 's mine. At the time this loan supposedly took place, I was freshly out of the hospital from my second XXXX. I 'm still XXXX from my XXXX side, and the dmv had revoked my drivers license for medical reasons. I called XXXX XXXX XXXX  and explained to them, but they did n't want to hear it. I wanted them to show me the contract that I signed, that would have proved it was n't my being that I 'm right handed. After hearing that I had complained they closed the account, the original opening date was XXXX/XXXX/2013. The item still appears on all three credit bureaus, and I want it off.