WillisBack/dataset-financial-user-claim huggingface dataset:
Earlier complaint Ref # XXXX ) : Please help me with my complained. They responded with information that I was never told either in written or verbal conversation. 

I applied for refinance with my existing lender Chase Mortgage. I have been with them for last 8 years. 

After my initial complain ( ref # XXXX ) to CFPB, they responded ( attached ) that the disclosure I signed mentioned " out-of-pocket " fee which will be deducted from my deposit. However, they never defined or told me " out of pocket '' fee anywhere on disclosure letter I signed. There is no line item on disclosure statement that states it is " out-of-pocket '' fee. Its not mentioned anywhere in the disclosure statement that I signed. They tricked me into paying {$500.00} deposit that they said will adjust at closing or will refund if denied the application request. 

Now they are saying they will not refund deposit nor approve the loan. I provided them all the papers in-time. Since they had all my data as my current lender and knew that my rate will adjust to a much higher rate, they waited after 1 & 1/2 month kept asking me this and that papers and denied my loan day before my rate will adjust. 

I feel they cheated me to get XXXX dollars with intention to raise my interest rate at the last moment. 

1 ) They never disclosed that clearly why my loan was rejected. Every time they provide different reason. For example they provided a different reasons on my loan rejection letter sent to me than one sent to the CFPB response. 

2 ) I tried calling them but they provided phone number in CFPB response letter that doesn't work. XXXX, and select option 0 twice. It just doesn't work. There is no way I can contact them. 



Regards,
A representative called me on XX/XX/2015 regarding a debt a relative has, I explained I have nothing to do with the debt and requested no contact, they assured me they would take me off as contact. On XX/XX/<YYYY> I received an automated call regarding the same debt owed by a relative. I called again to ask that they remove me as a contact, " XXXX '' stated that the relative would need to have them remove me. I asked why she could not remove me as an non-involved part that did not want to be contacted, she again stated that the relative needed to have me removed from their contact list. I asked if they followed FTC regulations, she stated they follow their own regulations then put me on hold and did not return to the call.
I called Bank of America onXX/XX/XXXXaround XXXX est to get information about one of their mortgage products. I spoke to XXXX XXXX, and he said he would call me the following day. The following morning, I received alerts from all 3 major credit bureaus that a hard inquiry was now on my credit report from Bank of America. I never authorized Bank of America to pull my credit report, nor did they ask. When I called yesterday around XXXX to have them send me a deletion letter, so I can get the inquiry removed from my credit report, no one would help me.
I received notification that my loan was being transferred via a letter dated XXXX. The transfer is effective XXXX/XXXX/2015. Also, the loan company continuously pointed the blame to XXXX XXXX. How is this legal?
In reviewing my credit report, I noticed four ( 4 ) credit inquiries on XX/XX/2017 from XXXX.
Money was sent VIA Western Union to the XXXX. My recepient of the funds was denied payment of the funds upon presenting the correct tracking number.
I opened a joint savings account with Capital One 360. They made me confirm both account holders to fund the account. I requested to open the account with {$300.00}. They made me confirm test deposits of XXXX and XXXX cents for both account holders in order to fund the account. After confirming the second account holder they withdrew an additional {$300.00} from my account and put it on hold. I have a 10 day hold for {$600.00} with them when I only wanted to deposit {$300.00}. 

After calling customer service twice they refused to release one of the deposits back to my bank. I advised them that I confirmed the same XXXX and XXXX deposits to fund the account for both users. Their software is flawed and has double dipped my account and XXXX my budget for the month. They asked if it had overdrawn my account, as if they might be able to help more. I advised no, then they said there was nothing they could do. This is the resolution after speaking with XXXX customer service reps and a XXXX.
Transunion is in violation of FCRA 15 U.S.C. 1681, 611 ( a ) ( 6 ) and ( 7 ). They continue not to investigate the inaccurate information that they are reporting on my credit file. They have not provided me with Physical evidence as to who, what, where they are getting this inaccurate information. They merely are speculating and putting " updated, '' and " remains. '' None of which show me how exactly they verified any of the inaccurate accounts on my file. This is my final attempt before I am forced to pursue litigation in my local circuit court. I have provided a description of each inaccurate account and case law surrounding what FCRA laws there are to abide by, which they have not been doing. Attached is a letter to once again dispute these inaccurate unverified accounts.
My mortgage was bought by Selene Finance LP last month. My old loan company, XXXX XXXX, was authorized to debit my bank account for the monthly payment. I have received zero correspondence from XXXX, even after XXXX phone calls to the company concerning the transition. I was told that a welcome package would be mailed to my home with the new account number, and I would have to make my first payment via phone, and there after would fill out and submit a form from the welcome packet to authorize Selene to debit my bank account. As to date, XX/XX/2018, I have not received the welcome packet. 
On XX/XX/2018, I was notified by my bank that Selene tried to debt my account for a payment, and that a NSF charge of {$35.00} would be charged to my account, and that Selene was not authorized to debit my account in the first place. 

I am asking Selene be held accountable for an unauthorized charge to my account, and that they refund me the NSF fee that caused by doing so.
As I already reported via telephone, I am a Victim of identity theft. I have recently learned that my personal information was used to open an account at XXXX XXXX XXXX. I did not open this account, and I am requesting that the account be closed and that it be absolved of all charges on the account. This account was bought by this Transworld a third party, which acquired a debt that was not authorized and is not lawful to pursue action on something that has not been validated.
After being unemployed for the past 2 years, I need to get my credit to good standing. I called Santander to remove their credit entry from my credit report. The rep told me that they ca n't. The balance on the account is {$0.00} and there is nothing I can do to bring the account current. There is no reason for this entry to be on my report. I feel that this is harrassment and an abuse of company power. Since there is nothing more I can do with this account, it should be deleted from my report. 
What would you like the business to do to settle your complaint? 
Delete the negative entry from my credit report.
I  was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 90 days past due as of   XXXX   XXXX   60 days past due as of   XXXX   XXXX   30 days past due as of   XXXX   XXXX   I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Wells Fargo Branch at XXXX XXXX XXXX XXXX XXXX, CA XXXX made a huge error that they refuse to rectify. I opened a checking and savings account ( with a large amount of money ) and a credit card. After the accounts were opened and the credit card had been applied for I got a call from someone from Wells Fargo Credit services, asking me if I had applied for a credit card. They called me XXXX XXXX. My name is not XXXX XXXX. It is XXXX XXXX XXXX. I got so nervous that someone would have access to my accounts. I called someone from the Wells Fargo Executive team and they said they would call me back in 24 hours with a resolution. Nobody from Wells Fargo called me back. So I went into the branch to try and fix this situation and the Branch Manager there XXXX XXXX was very rude, disrespectful, and not helpful. I wanted to close my accounts because I am nervous with the way they got my name wrong on the credit application. My credit is very important to me. With the current reputation that Wells Fargo has I would think they would want to help fix their error. I was able to close my checking account today 2 business days later. But Wells Fargo is still holding {$20000.00} in my Savings account that I was trying to close. The funds have cleared my XXXX XXXX & our now at Wells Fargo. The Branch Manager XXXX XXXX was so rude, and unprofessional. I was offended that the Branch manager was talking down to be and not willing to fix their error. He also indicated that he can not confirm if the check cleared or not and/or can not confirm i.e. " I would not know how to confirm that. '' This is absurd to me that a branch manager as he was represented to me did not know how to confirm and/or can confirm such a basic info. Wells Fargo still holds my funds that was cleared from my own personal account at XXXX.
I monitor my credit report using XXXX XXXX. While checking the collections section of my report on XXXX XXXX, I discovered a collection agency was incorrectly reporting on my credit file. I filed a dispute to have the collection removed with Equifax in XXXX 2015. The investigation was completed in XXXX 2015. The company was removed but I never received any documentation from Equifax confirming the date of removal. I only realized that it was no longer reporting on my XXXX XXXX account. 

In the same month the company re-appeared on my report in XXXX XXXX as an unpaid collection to Equifax only. I thought maybe it was an error and would be corrected on it 's own. The account was still showing on my report in XXXX 2015 so contacted the collection agency. They told me to dispute the collection again with Equifax because they did n't have any record of my file in their system to remove. I contacted Equifax to dispute the file and the customer service representative never submitted my dispute request. 

In XXXX I realized the company was still falsely reporting on my credit so I decided to contact a lawyer to pursue legal action. Once my lawyer spoke with the collector, they removed themselves from my credit report & backdated the date of removal. My lawyer informed them that we were requesting monetary compensation for the damage done to my credit and the denials I received for XXXX credit applications I submitted. Their legal department requested that I provide a copy of my credit report as proof that they were reporting incorrectly after XXXX 2015. 

I contacted Equifax & requested a copy of the dispute report I filed in XXXX. They said they had no record of my dispute request ( although you can see that an inquiry was pulled by Equifax on their website for the day that I called to submit the dispute ). I asked if a manager would be willing to pull the call so they could hear that I requested a dispute be submitted, but Equifax refused & said all they can do is send me the original dispute results from XXXX 2015. The original dispute report says nothing about me submitted a dispute against the company nor does it show the date when the collection had been removed. 

The Equifax representative stated that Equifax does n't have a way to see when a collector contacts them to have their account removed from any credit file. I know this is false because I have received previous showing confirmation that a collection was removed my from report. I believe that Equifax is removing collectors from credit reports & backdating the report date to help the collector avoid lawsuits. This hypothesis is based on the other thousands of complaints submitted by others with similar experiences with Equifax. I 'd like to find out who I can report my complaint to regarding my concerns with Equifax & if they are able to help me obtain the documentation needed to continue my legal pursuit with this collector.
I have requested a security freeze on my account with the letter and necessary documentation on  XXXX / XXXX /  XXXX  . However I received notification stating that they were not able to read the document. I have once again sent a more clear picture of m y 2 f orms of ID on  XXXX / XXXX /  XXXX   however they once again denied my request stating that they could n't read my fax. I have attached copy of the fax that i have sent over as well as the confirmation page for the fax stating that I have sent the information and they have received them.     After this 2nd rejection to freeze my report I have called them multiple times to talk to someone at their office  0n   XXXX / XXXX /  XXXX   throughout their opening hours  XXXX  PDT ( 8 times to be exact ) and all phone calls went straight through their voicemail. On my   8th try, I left a voicemail and they have responded to my voicemail to discuss status. They informed me that information I have provided can not be read and that they will not be able to freeze my report unless I send in more information. As you can see on the attachment, you can clearly see the letter as well as the 2 forms of IDs that they have requested.
I still can not understand what is causing this hold-up of freezing my report as I have provided the requested information multiple times. I would like to ensure that this report is frozen as per my request effective   immediately.
XX/XX/XXXX SPS - Home Retention started prior to having home on market from XX/XX/XXXX unable to sell ( 96 days ) as of XX/XX/XXXX Present XX/XX/XXXX have been given the RUN AROUND NOW DUAL TRACKING AS TODAY XX/XX/XXXX WAS TOLD OUR HOME IS GIONG TO FORCLOSE XX/XX/XXXX BUT HAVE LOAN MODIFICATION/HOME RETENTION APPLICATION SINCE XX/XX/XXXX PLEASE ADVISE MY HUSBAND AND I HAVE FAXED OVER 20 TIMES ANY AND ALL DOCUMENTS THEY KEEP SAYING 30 DAYS TO REVIEW SINCE XX/XX/XXXX WE WANT TO KEEP OUR HOME OF 20 YEARS
In accordance to FCRA Section 609, these accounts was further disputed in XX/XX/2017. XXXX did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these XXXX accounts to XXXX credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XX/XX/2017 and past 60 days when these accounts were initially disputed. XXXX XXXX has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, XXXX XXXX, Equifax, XXXX and XXXX received certified letters requesting validation on this inaccurate report. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XX/XX/2017. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. I have also provided proof that they received the letters which was sent certified mail over 3 times to the credit reporting agencies and XXXX XXXX. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. If they were sure they belonged to me, why is it so difficult for them to provide proof that this account is mine, I would like documentation with my signature, and receipts. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from XXXX XXXX with filing legal suit against them.
I have been in a 30 year fixed loan for 18 months. Within the 18 month period my payment has changed twice. Once it was lowered by {$300.00} and this month it was raised by {$1000.00}. The mortgage servicer says the escrow account was in deficit and to restore the deficit they increased the mortgage payment. The mortgage servicer explained that this was due to a change in taxes and the deficit in the escrow account ; however, I feel like an 80 % increase in mortgage payment is unreasonable and that there could have been better and earlier communication to hedge against such a large impact. Upon closing on the mortgage the escrow account was in order and my mortgage includes fees for taxes and insurance. I want to verify that the mortgage servicer is treating me fairly ( i.e., did they make a mistake that I am paying for now ) and that they acted in good faith to service my loan. I would also like to better understand my options in this situation.
I disputed information on the following accounts to Trans-Union Account Resolution- XXXX XXXX XXXX XXXX XXXX XXXX stated that they verified the information as verified and on the company response received by Consumer Financial Protection Bureau that they did not have any validation on the following accounts.
Equifiax will not up date my account XXXX XXXX account to paid and XXXX balance. I paid This account off.
Dear : CFPB I need your help to solve this problem with Bank of America ( BoA ) I strongly believe that my right as a consumer had been violated and denied for too long with the negative and false report in my credit file from Bo A. In XXXX XXXX BoA send me letter for collection and credit refund this process is conflicting with XXXX and the other. 

On XXXX/XXXX/XXXX I spoke to Bank of America ( BoA ) over the phone ( XXXX ) XXXX, XXXX, XXXX and transfer to XXXX in the billing department about the credit report of late payment and delinquency in my credit file, after I explained to him the error happened since XXXX XXXX told me that the report on all of my accounts will be correct and remove, and the credit bureau said it take about 30 days to get it correct. 

Today I went online to order my annual credit report and find that the late payment and the delinquency report was back in my files. I call XXXX and spoke to XXXX he said BoA had made a final decision that the delinquency report stayed as is in my file. I requests to speak to XXXX in the billing department but was denied, how could I have a delinquency when BoA refund a credit of {$61.00} to me plus all the late fees and interests was refund and correct since XXXX XXXX statements? 

I pay my bill in timely manner and paid as agreed, I did not paid minimum balance instead I paid full balance each billing cycle on all credit cards that I have with XXXX, XXXX XXXX, and Bank of America for the pass several years, please verify this with other cards provider. 

Please I need your help and I requests for an investigation into this matter to correct and remove this false report that had destroyed my good credit for over a year. Thank you for all your help and understanding I am looking forward to hear from you. 

Respectfully, XXXX XXXX Ps : This matter concern the account # XXXX, XXXX ( last XXXX ) Attached documents already send through regular mail XXXX/XXXX/XXXX
I have XXXX issues with Wells Fargo which have caused a domino effect. First, I cancelled my online bill pay services but XXXX payments were still made despite such. When I spoke with Wells Fargo representatives I received conflicting information. One told me it only cancels one month at a time, and another told me scheduled payments would still pay out. Neither make sense to me. Secondly, I cancelled my overdraft protection ; specifically, I declined to have my checking account linked to my savings account, debit card, and credit card should I have insufficient funds to cover a transaction. Despite cancelling overdraft protection, when Wells Fargo processed those two bill payments I mentioned above it caused my account to be overdrawn and Wells Fargo charged me XXXX {$35.00} overdraft fees. When I asked a Wells Fargo representative why did those XXXX bill payments still get paid despite me cancelling my overdraft protection ( because I did not have sufficient funds to cover them ), she stated the bank can use its " discretion '' is assessing whether it will cover or reject any transactions, even if I have cancelled overdraft protection. As a result of these unfair banking practices, my account was overdrawn for an amount in excess of {$200.00}.
Credit Collection Services has charged me for an amount that I do not owe. They are collecting on behalf of XXXX for an amount that I absolutely do not owe ( {$1000.00} ). This incorrect amount is listed on my credit reports : XXXX, XXXX and XXXX and it has and continues to compromise my credit worthiness. I reached out to CCS and tried to file a dispute but was unsuccessful. CCS asked that I provide verification that I had coverage after my Auto Insurance Policy with XXXX canceled in order for them to consider adjusting my account. I did submit proof yet nothing has been done to correct the error.
On XX/XX/XXXX A letter was sent to me in an attempt to collect money to a closed account. 
The account was closed by PayPal on XX/XX/XXXX. 
I do not know of this account PayPal Credit is referring to XXXX. 
The money that PayPal credit is trying to collect is a third party collection. 
Synchrony Bank is the creditor PayPal Credit is the collector PayPal is some how included Since My PayPal Account is closed I have no way of disputing these false charges. 
These Companies also are not licensed in the state of Connecticut as banks or as collection agencies.
I have disputed the late payment XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.