WillisBack/dataset-financial-user-claim huggingface dataset:
This is the second time I have filed this same dispute with Equifax. The first time I sent the documentation that the recorded State Lein was Released along with the notation from the State stating THERE WERE NO FEES AND THE LIEN WAS FILED IN ERROR. I then filed again ( with the same documentation ), and noted that it clearly stated the LIEN WAS FILED IN ERROR, yet they still refuse to removed it off my credit. I was on the phone with them for 42 minutes today, and they refuse to remove it. They just say the document says the Lien was released. Then I say well of course they had to release it, it was invalid. Then I ask them " do you see that it clearly states in BOLD the lien was filed in error? '' They say " yes, but it was released and that is all we will change ''. I even pointed out to them their own Policy clearly states if it was filed in error it will be removed. They just refuse to remove this off my credit.
I recently paid off a settlement amount for a past due collection for {$360.00} on XX/XX/2018 to XXXX XXXX XXXX who is collecting on behalf of XXXX XXXX who was the original creditor. Credit Reporting Agencies need to delete this account now that it is paid and XXXX XXXX XXXX can confirm this to be true and they mentioned if they can they would delete my account off reports but that needs to be done by the Credit Reporting Agencies Immediately. 

THIS ACCOUNT IS NOW PAID AND NEEDS TO BE DELETED IMMEDIATELY off of ALL Credit Reports : Experian, XXXX and XXXX
I had loan pre-approval XX/XX/XXXX, I provided updated financial docs XX/XX/XXXX prior to making my offer on a condo and now 2 months later I feel I am no longer to actually closing on my loan and have had inconsistent communication from my loan XXXX regarding my loan in process. I dont understand how someone with an XXXX credit score who has their financials in order and has provided every doc requested within 24 hours to purchase a reasonably low priced home within their means can not even have a close date after 60 days in progress. Though I understand an exception approval from XXXX was needed for the condo complex and it caused delays, I dont see why the documents were not able to be prepared, waiting for the approval to move forward. I verbally reviewed updated figures 3 weeks ago with my loan officer and I still have not seen any updated documents. If there are delays outside of anyone 's control, I can understand that but I dont feel that I am being very well communicated to in order to understand. I email and leave messages for my loan officer and I dont get responses for days, and I 'm made to feel like I 'm harassing her just to get information on my home. I have expressed that I have no lease in my current home and cant even work with my landlord for an arrangement because no one can give me an estimated closing date and I could be kicked out of my current home at any moment and I dont have a new home to move in to! Prior to my investor exception approval, I looked into my options at another lender and found that the closing fees and costs with XXXX are higher than they could be but after I received approval, I decided to finish with XXXX as I assumed I would have closed much faster than starting new with a new lender but I am regretting this decision as I feel no closer to closing then I did 2 weeks ago when the approval was made. The homebuying process is an enormous decision and should be fun and exciting and my experience with XXXX has caused the process to bring me nothing but angst. There have already been XXXX extensions with the seller and I am going to lose the property if this can not get closed and completed as soon as possible.
My complaint is related to NSF fees on checking accounts. My account is at Wells Fargo, but I know there are other banks that have adopted this same practice. Several years ago, they changed the way items post to accounts for no other reason other than to maximize the fees. They purposely post the largest item first, so that the more items will be NSF. For instance - a customer has {$100.00} in their account. XXXX items are presented for payment. XXXX items for {$90.00}, XXXX items for {$15.00} and XXXX item for {$20.00}. By posting the {$90.00} item XXXX, they are able to collect XXXX NSF fees at {$35.00} totaling {$100.00}. If the posted the itmes from smallest to largest, the only NSF fee would be for the {$90.00} item ( {$35.00} ) so they XXXX the fees. My college student daughter had XXXX NSF fees ( {$100.00} ) for items on her debit card which totalled less than {$20.00} because of this practice. While I recognize that it is the account holders responsibility to keep track of their balances, this seems to me like legal predatory lending. They continue to take advantage of the people who can least afford it. They are now " fee driven '' rather than making money on " spread '' and they have ablsolutely no scruples about how they do it.
Entered into a settlement agreement. Paid the agreed amount for a promise to remove. Paid amount full. Received letter stating paid in full. FCO continues to report an outstanding balance that I do not owe.
Bank of America and their cohorts, specifically XXXX XXXX XXXX XXXX ( XXXX ), have failed to comply with applicable laws as stated within the XXXX XXXX, XXXX Trustee 's Deed referencing the subject property allowing for the lawful sale or transfer through Trustee 's Sale at public auction to the highest bidder on XXXX XXXX, XXXX. Any such public representations to full compliance with applicable laws are not negligent, but fraudulent as the Trustee, servicer, and bank have indicated full knowledge of relevant laws and are required to be knowledgeable of all proceedures and rules related to the loss mitigation and workout processes including, but not limited to, the modification and foreclosure processes. 

Due to the fact the Substitution of Trustee was recorded on XXXX XXXX, XXXX, the same date the Notice of Default ( NOD ) was also recorded, there is no possibility whatsoever the required pre NOD outreach could have been completed allowing for the NOD to be recorded signaling the public start of the foreclosure and property separation process. 

Due to the fact there were multiple pending escalated cases opened prior to the sale date that were unresolved on the date of sale and no suspension of sale had been caused by the bank, the servicer, or the trustee thereby allowing for the sale to be postponed and not completed under a cloud of lack of authority and legality. It should be noted a party may suspend the sale without agreement, consent, or prior approval of the other interested parties if they so choose. If should be noted if no improper sale occurs, no injury or harm may be had or caused to me or any bidders on the subject property. 

All previously mentioned resolutions are desired and mandatory and must include Rescissions recorded for all documents recorded on XXXX XXXX, XXXX and thereafter related to the subject property.
Incorrect addresses on 3 credit bureaus Please remove all addresses from Alabama off my credit file i have livex in XXXX XXXX XXXX 10 years. The only address i am associated with in XXXX   is XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX any and everything else is fraud please remove. Havent lived in XXXX since XX/XX/2008.
On XXXX XXXXthe 2017.my credit was inquired by XXXX XXXX without my authorization.
Ocwen does not report my mortgage payments to the credit bureau each month. I have called 4 times over the past 1 year and a half. Each time, Ocwen CORRECTS their system and my credit get reported for about one to two months and then stops again. I then call again and ask them to report it, which they do for about 1-2 months and then I call again. repeat this same process with ocwen each time. Please make them report my payments each month WITHOUT me having to call them and ask them to do what they are legally required to do!!!!!!!
XXXX trucks repossessed after working with them on setlling on date agreed. I agreed to pay amount Paid {$2500.00} and they said it 's not current. Asked to pay additional {$370.00} with no details on fees tagged on. 
Actions taken. Called to request detail additional charges and advised I would pay to bring current to get trucks back. Plus I had received numerous personal harrasing text from the Company
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX GOLD KEY CREDIT, INC. {$1300.00} GOLD KEY CREDIT, INC. {$250.00} GOLD KEY CREDIT, INC. {$66.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious GOLD KEY CREDIT, INC. {$1300.00} GOLD KEY CREDIT, INC. {$250.00} GOLD KEY CREDIT, INC. {$66.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the XXXX District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I purchased a used vehicle from XXXX XXXX, XXXX, FL, not only did they add some XXXX XXXX 's to my car loan without my knowledge and consent, they actually added more misery by putting on tires that were not even safe even though they sold me a {$400.00} tire policy, then the {$1500.00} car maintenance plan added to my PNC Bank loan they are failing to repair the recall on my airbags on my XXXX XXXX XXXX VIN # XXXX. Now a law has been passed in the State of Florida making sure dealers have money to repair used vehicles regarding this safety recall XXXX XXXX Occupant Restraint Controller. I have had no luck with XXXX Dealerships also, stating the part is not available. So then I called my PNC Bank to see if they can freeze my loan ( I pay XXXX per month car payment ) so they can impound the vehicle, have it in their possession until a repair can be made. Recently I was rear-ended and the first thing the collision body shop asked me is " did the air bag light go on ''. I have found a piece of bent metal before this accident and had no idea where it came from, it may have XXXX XXXX XXXX XXXX XXXX, but really threw it out not really knowing what it was. I do not feel safe driving in this vehicle or having my XXXX in this car. I live in the high humity area that they say is crucial to first be fixed. <P/>PNC Bank recommended I trade the vehicle in, and I know I will never get a decent value due to this recall, but I am worried I wo n't even be able to get rid of this car or have it fixed and want some help with this issue.
They XXXX XXXX is reporting inaccurate information to 3 credit bureaus which negatively impacts mycredit score for a 1 missed payment XX/XX/2014 for {$57.00} in which they never sent a bill or sent it to an incorrect address a mistake on their part-/ this happened their error 4 yrs ago and their mistake should have no bearing on my credit score! I want them to correct their error with all credit bureaus onvolved also when I paid off my balance in 2014 I told them to close my account which they also have not done!! Their services are very poor to say the least!
I submitted a payment to Lowes/XXXX XXXX, for the payment of {$800.00} dollars, which posted XX/XX/2018. I didn't get notification the check didn't clear the bank as insufficient funds from my credit card company, XXXX XXXX. I was lead to believe the check was cleared for {$800.00} dollars. I spoke to the agent over the phone several time to confirm that everything was fine. The agent submitted the {$800.00} dollar payment to credit bureaus as an OFF CYCLE credit reporting to the credit reporting agencies for payment. This was done three weeks ago. Today isXX/XX/XXXXXX/XX/18, and I've received a 30 day late from Lowes/XXXX XXXX for non payment because Lowes/ XXXX XXXX didn't informed me the payment had been returned. I got a credit alert XX/XX/18 stating that I just received a 30 day late payment from XXXX XXXX. I called them and was told my payment was returned XX/XX/18, which was three weeks from the date I submitted payment. I then spoke to my bank, and was told the check was returned XX/XX/18 for insufficient funds. They took three weeks away from the time I had to to repay that check, and then called it 30 day late and reported it to the credit agencies. They didn't allow me a chance for repayment. I've had this account over two years and have never once been late. Not even one time!!!
I refinanced a car via XXXX XXXX. The financing went through a company called XXXX XXXX XXXX XXXX. The car was reprocessed several years later under the agreement late payments could be made and accepted. They reprocessed it and would not return it even with back due payment offered. They sold it without notification. And now the collection agency they have hired to harrass Hiday and Ricke are claiming they are filing a case against me. The group is called Hiday & Ricke PA attorneys at law XXXX XXXX XXXX, XXXX, FL XXXX. They have bombarded me with phone calls and paperwork for over a year now. The repossession was done almost 2 years ago. They send people from a place called XXXX XXXX to beat on our doors late at night and scare us I have a XXXX son they have scared to death on numerous occasions.
XXXX XXXX XXXX has an account opened on my credit report in the Amount of {$840.00}. I dont know this company and dont know why they have my information or what this is. The account was opened on XX/XX/2016.
I have a mortgage with Wells Fargo. I have never missed a payment nor been late. I have requested over the years to have PMI removed from my account. Wells Fargo said that I would have to pay {$500.00} for an appraisal. 

I refinanced my home about 4 years ago and the market was awful. They gave my townhouse a low valuation.

The market has drastically rebounded in California. I have paid close to {$10000.00} in PMI over the life of my loans.

I have spoken to Wells Fargo on multiple occasions.

They will remove the PMI in a couple of months with a LTV ratio of 80 %.

My townhouse was valued at approx $ 200K during the refi and the unit in the back sold for $ XXXX last year. 

I explained to Wells Fargo that my property tax and escrow continued to increase due to the property value. They would not make any concessions to assist me.
I am owner of an XXXX and XXXX XXXX - XXXX XXXX of XXXX in XXXX, FL. XXXX.Phone number XXXX XXXX XXXX. 

On XX/XX/XXXX we were duped by an erroneous person pretending to be the real estate agent by email for funding of the sale of a property at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. The money was wired to a Bank of America Accoun at XXXX XXXX XXXX, XXXX, TX with the name of XXXX XXXX XXXX XXXX XXXX. The checking Account number was XXXX XXXX XXXX and the routing number was XXXX. 

The wire was initiated at XXXX XXXX. At XXXX XXXX we called our bank XXXX XXXX to report the incident and to stop the wire. Right after that the wire department at XXXX XXXX was calling Bank of America and trying to stop the transfer. 

At the same time a complaint was also initiated by us to the FBI. Which will be included if we can upload a copy of the complaint. 

Until now Bank of America will not confirm to our bank as to where the funds are and any details of what has transpired. They just keep telling us that it will take 60-90 days to complete the investigation. 

It is now the XX/XX/XXXX and over 30 days from the incident. In the mean time the seller has initiated a lawsuit to recover the funds from us. Please advise us as to why Bank of America will not contact us and give us information on our funds.
The COAF loan went into a charge-off situation. They mailed me a settlement offer on XXXX. I did not have the funds available to take advantage of it. On XXXX I sent a letter and check for {$1100.00} with a settlement letter. They cashed the check, yet left the {$8900.00} balance on our credit reports. We have gone back and forth for months until COAF, XXXX XXXX send us a letter saying they would accept the payment to settle this on XXXX. Except COAF is still posting the {$8900.00} balance? Will this nightmare ever end?
I was hospitalized in XX/XX/XXXX 2016 and had XXXX XXXX was an out of network provider at the in-network hospital where I was taken. This was not disclosed, and several months after I was discharged, I began to receive bills for over $ 8K for few days of consults. In XX/XX/XXXX, XXXX XXXX XXXX sent me an appeal form and actually instructed me on how to file and appeal with my insurance company. I was still injured, and required assistance, but I managed to submit an appeal to my insurance and sent a copy to the office to notify them that the appeal was filed ( I was given a form and a return envelop from XXXX XXXX XXXX ). My insurance approved the payment and sent XXXX XXXX XXXX XXXX a check in XX/XX/XXXX ( Check # XXXX ).  In XX/XX/XXXX, I began to receive notices from the Collection Bureau of the Hudson Valley Inc. stating the bill had not been paid. I confirmed that the bill was paid by insurance. The check was actually cashed by the time I received the first notice. Unfortunately, I am still being chased by XXXX XXXX XXXX. Today, I received a call while at work. She informed me that I was in collections, that my credit report was being affected and threatened legal action. When I stated that the bill had been paid, insurance had confirmed, that I would have my lawyer contact her, she stated " that wo n't be good for you ''. I again reiterated that the bill was paid, that XXXX XXXX s office was fully aware that I had appealed and should not have sent this to collections. I asked if my credit was being affected and she confirmed they have reported me and my credit is suffering. I told her I would have a lawyer follow up since there was no reason to continue to pursue a debt that had already been paid more than 3 months ago. I was again threatened and told I was making things worse for myself if I involved a lawyer. I asked if she had asked XXXX XXXX 's office if they had been paid and her response was " we do n't contact the creditor unless YOU pay use or give us proof the debt is paid. '' XXXX  XXXX XXXX, XXXX was aware I was appealing to insurance for payment yet submitted my account to collections affecting my credit ( possibly as they were receiving a check! ). They cashed the check and did not put a stop on the collection agency. The collection agency ( Collection Bureau of the Hudson Valley, Inc. ) is chasing a debt that has been paid and refuses to check with the creditor to confirm if the debt has indeed been paid. In the meantime my credit is being affected/further threatened, I am being threatened with legal action ( thanks to XXXX XXXX ), and am cautioned against having a lawyer because " that will make things worse for you ''. I must ask for assistance from the CFPB in the meantime to address the attempts for a double payday and attacks on my credit. Please hold these 2 companies accountable!
Portfolio Recovery calls me constantly even after leaving voicemails to my work number and cell phone number. I have not spoken to them because they always call me during my working hours. I have also never received any documentation from them in regards to the validation of the debt. 

They have called me from the following phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Capital one is reporting an incorrect account status remarks from Capital one. Capital one should be reporting the following account status remarks " Disputed '' Capital one is currently reporting account status remarks Charged off account Account closed by credit grantor. Please see copy attachment from my latest XXXX  credit report to see the correct reporting status from Capital one.
This company is reporting erroneous information on my credit report without validating or verifying information. This account does not belong to me and it is hurting my credit. I want them to remove the information from my report or I will sue and take them directly to court which I am entitled up to XXXX USD for this inaccurate reporting and misleading information and all the harm it is causing me. Account Number XXXX XXXX XXXX ( Debt Collector Name ) XXXX XXXX XXXX XXXX Amount {$980.00} Date Reported XX/XX/2018 Account does not belong to me this is a mixup. So they need to remove it from my credit report or I will promise to sue the company.
This debt was discharged in bankruptcy in 2015. This company Rent Recovery refuses to remove from my credit report and refuses to stop reporting. When I spoke to a rep on the phone the man said that it would not be removed until it was paid in full even though it was a discharged debt.
The servicer of our loan is Provident Funding Associates and our loan with them opened in XX/XX/XXXX. We have had experiences with this company as what we perceive to be unlawful and damaging. Our first negative experience with them was many years ago ( XX/XX/XXXX-XX/XX/XXXX ) before your agency existed and we would like to bring awareness of that situation should it still be relevant. In recent months, due to circumstances beyond our control our household income has decreased significantly and are having great difficulty making the payments. We submitted all of our information to them in XX/XX/XXXX and again in XX/XX/XXXX seeking relief.Based on what we have experienced, we are certain they have had no interest whatsoever with trying to help us and have looked for every way possible to not help us. We felt compelled to bring awareness of our experiences to your agency, all of the facts associated with the process ' and look forward to the opportunity to speaking with someone at the CFPB about this.