WillisBack/dataset-financial-user-claim huggingface dataset:
Rubin & Rothman LLC ( R & R ) received default judgments on the basis of false and/or legally inadequate affidavits even though plaintiff and defendant agree to " reset payment date '' and not request default due to R & R online payment processing issues. The negative statement on my Credit report and misrepresentation by R & R attorney.
I disputed the inaccurate reporting from Carrington MS reguarding a 90 day late in XXXX 2015. Carrington investigated the issue and said that the information was indeed incorrect and that they would update the information, and it would reflect on the next reporting in XXXX 2015. There has been no update done to the XXXX credit bureaus. We are trying to close on a house and XXXX companies will not proceed until it is corrected. I have waited long enough and jumped through so many hoops to get this resolved. It has hurt our credit score and caused us to pay higher interest rates on purchases we have made. I have talked to Carrington MS and they explained that they did there part, and I was more then welcome to contact the research department by mail, which would take longer. I want the information updated and reported immediately, therefore we are able to close on our home and never deal with Carrington MS again.
A company called Clarity Services is randomly making inquiries on my XXXX Credit report. I show roughly XXXX inquiries over 1 year. This in excessive and impactful. I have never applied for services or loans on behalf of any of their clients this is gross misuse of my consumer report.
I received a notification on   XXXX   XXXX   XXXX     of a new inquiry from   XXXX   XXXX   at  XXXX   XXXX   XXXX   XXXX   XXXX  Utah  XXXX . I called their customer service line at  XXXX  and after being placed on hold by the automated system and again by the first customer service agent,  XXXX , a supervisor that refused to give me her last name, told me that an inquiry was generated for a loan but the application was denied. She refused to tell me who/where the inquiry came from stating that she did not have access to that information. She said that she will initiate a removal of the inquiry but did not give any other information such as how long it would take or what courses of action I had.
I used Equifax credit monitoring and I requested a full refund of the fees. My information was not stored securely and I have had personal information stolen in their security breach.
I have been disputing information in my credit file with Experian and they fail to update and remove old information in my file. FACTA and FCRA state that negative information may only be listed for a period of 7 years. All information that is negative is to be removed or deleted after that time. There are items in my file that are older than 7 years. According to FACTA and FCRA 7 years is from the first reported delinquency date. There are items from 2009 still being reported on my file. I am given the run around with Experian. I dispute via snail mail and am sent letters stating that my inquiry is suspicious and I have to dispute online, I dispute on line and never receive anything via email or snail mail, when I log back on line its simply updated investigation closed. Pretty much Experian is not doing anything other than giving me the run around. I have informed Experian that I have contacted my states Office of Attorney General and they statute of limitation has expired, also the legal reporting period to be in my file has also expired and the information must be removed. Experian is in violation of FCRA
I recently pulled my credit report and discovered that a collection agency ( XXXX XXXX XXXX ) was reporting against my report and indicating that I had a debt which in fact is not my debt. I contacted  ARs and they informed me that they are were not reporting information on me to XXXX. They claimed that XXXX is wrongly matching their record to me. So i contacted XXXX and they opened a disputed case for me with ARS. XXXX claimed that they only report what ARS submits to them. ARS says that this type of matching mistake by the reporting bureaus is common. The disputed item was removed but now it has reappeared on my report. I find XXXX unwilling to even discuss the possibility that they are matching to me by mistake. they also are not very cooperative when i have called them by phone.
This is in response to complaint XXXX recently submitted. It is our understanding that Bank of America wants another 60 days to review and answer the complaint. We are just going around in circles without BOA answering and doing something about the original complaint XXXX. Nothing will change. They have done this in the past of wasting time with no results. We ( my wife and I ) do not want to work with BOA and instead are asking The Bureau of Consumer Financial Protection agency to step in and research this case. Like I stated before in the previous complaint, we are going to seek legal advise and another direction away from BOA. We do not want to do business with them again. How can I make it any clearer than that. BOA does not work with it 's clients in these particular cases. Consumer Financial Protection has all our documents and we hope to call them quickly to see where we can go from here. The CFP should be doing an investigation rather than giving more time to BOA because this will continue to happen. So far I 'm disappointed with the help of our government.
My Bank of America UTMA account for my son was opened years ago. BOA insisted on a joint checking and savings account, though I needed only a savings account. The last two months, without warning, BOA has been charging me a $ XXXX monthly maintenance fee for the checking account, which has no deposits, and claims that I owe them {$32.00}. I am trying to close the account. BOA refuses to accept consumer emails unless it is a request for a copy of a check or statement ; refuses to provide a mailing address for consumer complaints ; and insists on limiting consumers to only phone call contact ( resulting in no documented record of what happened ) or instant messaging, but the BOA live chat system is perpetually busy. I am now on perpetual hold to BOA. This is unacceptable and deceptive. It would not be surprising if BOA is trying to gouge many others with this practice of assessing unannounced fees on checking accounts on unsuspecting consumers, and then refusing or obstructing the ability of consumers to request that the account be closed.
I applied for a refinancing mortgage XX/XX/2016 from XXXX 's Banks under the advice of a sales rep who I had worked with before from another institution. I provided all documents same or next day. The lender kept responding with higher rates and rising closing costs. In other words, it was a complete bait and switch operation. I spent over {$1000.00} in application fees and appraisals. They keep promising a resolution, but 4 months later, no refinancing. I have missed all the favorable rates and if I start over with another lender, my application will be tainted with numerous inquiries to credit authorities. 

I am requesting that they close the loan on the terms that were initially offered.
Chase has once again reordered my deposits, debits and credits in order to issue me a XXXX overdraft fee for being XXXX overdrawn in my account when a XXXX automatic subscription debit went through. I have previously complained about this and was given refunds for some of those fees. I have since had the issue repeated twice with Chase and I have called and had it removed in the past. After my previous complaint, Chase revamped their app to prevent people being able to screenshot their bank accounts from their phone but I am still able to do this on my computer. Every Friday morning I take a screen shot after my check has been direct deposited and then again later that day to compare how they order my account in order to make money off of me. This time I feel I need to AGAIN file a complaint with the CFPB because Chase does not seem to understand that what they do is wrong and I keep a very watchful eye on them after the hundreds they have cost me in the same situations. Attached you will find screen shots with the date and time in the lower right hand corner to show when they were captured and show a reordering of debits and credits. Chase does n't not generally issue overdraft fees on balances of XXXX or less, I feel this really walks the line to issue me a XXXX overdraft fee on a XXXX charge that left me only XXXX in the red on payday. I want it refunded and my solution in the future is to obviously close my account with Chase and move to a different bank as my best interests as a customer are not in Chase 's interest at all.
I sent a letter to Amsher asking that they remove their unauthorized collection from my account. I received a letter back saying that they would delete this on all XXXX bureaus. The first letter I sent was on XXXX/XXXX/16 and it is not XX/XX/XXXX16.They have yet to remove anything from the bureaus. They are still reporting on my credit and therefore damaging it and my financial life.
In XXXX 2016 I cancelled my Hazard Insurance with XXXX XXXX and placed it with XXXX XXXX. I received a refund check from XXXX of {$1300.00}, I wrote a check to Ditech on XXXX16 and it cleared my bank. On XXXX16 I received an Escrow Statement stating that my amount was going to inc- rease from {$190.00} to {$380.00} ( wow! ) I called XXXX on XXXX and again on XXXX and again on XXXX/XXXX/16 to tell them that I has canceled the old insurance and ( which they paid ) and had replaced it with new insurance ( Which they paid as well ) and that I had sent them a refund check which was not reflected on my Escrow Statement to this date the {$1300.00} is not reflected on my Escrow Statement. Ia have talked with the Insurance Dept, an the Escrow Department and ca n't seem to get this cleared up. In the mean time my payment has gone from {$440.00} a month to {$630.00} a month. I have a XXXX mortg. 
I live on Social Security and this seem a little much.
I want to report to the CFPB, and warn other potential customers, about the worst possible experience with " XXXX. '' Based on my experience, I believe this company is a scam. I have secured at least a dozen mortgages/refinances in my lifetime, and this was the worst experience ever. Do not use this company under any circumstances. I applied for what should have been an easy refinance in XXXX 2016. As of the end of XXXX, XXXX Mortgages had still not gone to closing on the loan. This was a loan to value ratio of only 45 % as the property appraised for more than twice the amount I was borrowing. I was exceptionally well qualified. I provided over XXXX pages of documents, and replied to every request for information within a matter of a few hours. There was absolutely NO delay on my part. After collecting my {$500.00} deposit, XXXX would disappear for days or weeks at a time, or would keep digging deeper into the documents to ask yet another question. There was no end to the delays. The loan supervisor admitted that this should be an easy loan, that I was exceptionally well qualified. I reached a point where I was calling everyday. This became my second job! After three months, and no closing in sight, I told XXXX that I just wanted my {$500.00} deposit back and that I would get a mortgage elsewhere ( which I easily have done at a local bank ). XXXX approved the {$500.00} refund and even sent me a " receipt '' for the {$500.00} credit to my credit card. Guess what? I still have n't received the credit! Another fraud. This company should be shut down.
This issue relates to the unacceptable fraud prevention Chase has in place regarding their co-branded XXXX credit card. I have never applied for the XXXX branded credit card, have informed Chase of as much ( via their customer service line, XXXX ) on numerous occasions, and have even changed my XXXX password. Nevertheless, there have been countless credit applications in my name ( reference numbers XXXX, XXXX, XXXX, XXXX, and XXXX ). Fortunately, in each event, the fraudsters guess of income to obligations has proven wrong and gotten the application denied. I reached out to Chase in XX/XX/XXXX to have them clear their credit inquiries from the credit agencies, which they did, and have repeatedly asked Chase to block any further XXXX credit card applications to no avail. As a result, I have had to place a credit freeze on my name. The fraudsters continue to seek approval from Chase with at least four applications within the last three months ( XXXX, XXXX, XXXX, and XXXX ).
I have contacted the company many times in regards to this. I do not owe this and have never had an account or contract with this company. I have contacted the Better Business Bureau as well as all of the Credit Bureaus in regards to this. I have not received validation of this debt and want it removed from my Credit Bureau accounts immediately ( XXXX, XXXX as well as XXXX ) and I want all contacts with this company to stop. They have contact family members in regards to this as well as given out information that should not have been given in regards to this to individuals that are not myself. They are also not licensed to collect in this state. They was supposed to remove this information from my credit bureaus already and they did then put it back on there. And never notified me. Thank you very much.
On my credit statements show that I have not paid Medical Business Bureau {$160.00}, this was reported again today, XXXX XXXX, XXXX after I got off of the phone with them to let them know it was paid at the end of XXXX, XXXX - They see that the account has a {$0.00} but are still reporting to collections I have a balance and have refused now, 5 times to provide me with a paid receipt as they say that is " against policy '' - I have never heard of such a thing - I ca n't have proof of payment? I need this closed and taken off of my credit bureaus. 

Thank you!
PNC BANK CARD SERVICES XXXX XXXX XXXX, PA XXXX 2012 XXXX Statutes of limitations of Pennsylvania have been expired.
I have a debt on my credit report who I do not recognize. I received some phone calls for a collection agency treated me of jail and legal action against me and my family. I want this company to stop harassing me and stop calling me I am on the do not call list they even call my cellphone number.
The Inquiries listed below, are what needs to be removed : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) I 've taken my time to reach out to these companies regarding they remove my inquiry because I was never told that they would pull my credit from the XXXX Credit Bureau, and I need it to be removed as soon as possible, so that I can be able to get approved for a loan I need. Also for Capital One, I 've explained to them also that the inquiries are holding me back, and customer service kept giving me the run around, and never wanted to help. All they did was send me to one person, then another person, then another person, while realizing they did n't want to help me get that inquiry off, and seeking the right help to get this resolved, and taken off my XXXX  report.
Hello, my name is XXXX XXXX I live in XXXX and today I find the courage to contact you to help me with a financial problem I encounter with Coinbase ( www.coinbase.com ). For months I 've been using my credit card and using some of the services the company offers without the slightest problem. On XXXX I sent a bank wire transfer to certify my bank account as it was. The problem I faced for the first time is when I asked the company to send me a wire transfer from my Coinbase account to my bank account at XXXX. The amount was XXXX on XXXX XXXX, XXXX. As isknown, XXXX bank transfers do not take more than three days to complete unfortunate but in my case still the amount I asked not only did not pass into my my bank account but obviously they have not even tried to send that money! I have tried to make a phone call with them but unfortunately I could not wait as I was waiting for more than three hours, I also sent email but still did not answer me until today when I sent this request. That 's why I asked for your help! I have attached my ID, my bank account information as well as pictures from the Coinbase system where they show the process I have executed with the exact amount of my details and the bank account! If you need more information please contact with me, me email is XXXXXXXXXXXX and my phone number is XXXX or XXXX Best regards XXXX XXXX
What I was told over the phone by mangers and representatives changed several times and none of them matched what the manager, XXXX wrote in the letter XX/XX/XXXX.  Citi Bank did tell me that only two late fees were added to my account one of {$27.00}, one of  {$37.00}. However my regular monthly payment is {$68.00}. For the month of XX/XX/XXXX XX/XX/XXXX I was charged {$150.00}, and {$190.00} which is more than one late  fee each time. I did make payments during both those months and called the bank. When I did call the reps I talked to did not give me the accurate information regarding the late fee. XXXX claims she finds no records that is not my fault the reps did not note the record of the call. 
According to what XXXX wrote is not what I was told about the first late fee and when I spoke to the manager that time. My payment was not applied to the next month that was why she would not waive the late fee for XX/XX/XXXX. According to XXXX the fees were for XX/XX/XXXX XX/XX/XXXX. 
Both times I had called the bank when I made the payments. The first time I called I was locked out of my account online and was trying to get the system to fix it you have to wait 24 hours once locked. Yes I did not call right away, I was very busy in school and am a student. That is when XXXX XXXX says I got the first late fee. I did tell the rep that I was locked out of my account she said she would put the request. After both times I spoke to reps they said it would process in a couple of days. 
I know the second time I made an inquire in possibly XX/XX/XXXX I was lower on money. I made a second payment one month for {$20.00}. I had a direct conversation with the representative asking her what was the remaining amount I needed to pay to pay my balance as I was under the impression the late fee was being waived she told me {$20.00}. I did pay the amount needed to make the payment for XX/XX/XXXX in time according to the representative but the rep gave me the wrong amount otherwise {$5.00} is not that much more and would have paid that. 
The late fee with the min payment for the month should have been {$88.00} but I was charged way more than that since I paid over {$300.00} for two months of payments. I have made all regular payments and did make payments during those months.

Again if there is no record of the fee discussion or reversal it is not my issue that the rep did not record it as I discussed it with two different people and when I called. I had to pay the account to avoid getting more late fees.

Citibank says I was charged only two late fees, however the min payments for those two months were {$68.00}, x2, + the two fees would equal {$200.00} not over $ 300.Not only is there clearly a communication issue and the reps did not note the account however i also got billed a bit more and I feel that is unreasonable. Just because the reps did not note it does not mean that I did not discuss it. Maybe you need to ask the rep that I spoke to why they didn't? While you claim it is just two late fees that would be a full total in fees of {$64.00}.
I refer to the attached XXXX  Credit report file number XXXX  dated XX/XX/XXXX specifically page 41, CHAPTER XXXX BANKRUPTCY DISMISSED as clouded. See Attachment 01.

As mandated by Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, Subchapter III, Section 1681c, Paragraph a.1 Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

The Law is clear Dismissed Case is not included within the parameters of the above mandated reporting guideline, furthermore ; the referenced Chapter XXXX  Bankruptcy did not have Entry of the Order for Relief nor ever been Adjudicated. In fact, it was Dismissed Prior to Adjudication. See attached Court Report Case XXXX dated XX/XX/XXXX. See Attachment 02.

Under Federal and State Law, FCRA Title 15 U.S. Code 1681i, Paragraph 5.A, immediately upon receipt of this notification you are obligated and directed to remove the referenced Chapter XXXX  Bankruptcy on my credit report. It is not in your jurisdiction, responsibility, right or business to report this crucial and extremely damaging personal information. Also per the Law you are obligated to furnish me updated copy of my corrected credit report per Title 15 U.S. Code 1681i, Paragraph 5.A.ii of FCRA. All required information and supporting documents are included on this letter package, therefore ; an investigation is deemed absolutely unnecessary.

Your response within 14 calendar days upon receipt of this letter is greatly appreciated.
JC Penney closed my credit card account on XX/XX/XXXX without contacting me in any way. This has caused my credit score to drop more than XXXX points. Id had this credit card account since XX/XX/XXXX. I contacted JC Penney and was told there was nothing they could do about the closed account and that they could not reopen it. I was told Id have to open another credit card account.
I have several hard inquires, in which I have never applied for these auto loans. I was not aware that someone used my social until I checked my credit score and seen XXXX inquires that I have n't applied for. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
the Sallie Mae web site is difficult to make online payments. The loan account numbers do not all show up in loan summary. I have to click on other loans to have them appear. Then the previous loans disappear. This site is difficult for me, and I have had too may years of experience with student loans. My last month payment was reversed, I did n't reverse it, the bank did n't and Sallie Mae did n't either. But, I paid a late fee because of it!! HELP!!! I fear that when my son graduates in XXXX, the site will be difficult for him and could result in loan default. PLEASE help fix this mess. I dislike having to work with these private loan companies. Then, trying to get an answer from customer service is exhausting. I asked to speak to a supervisor and was put on hold for 30 minutes. I HUNG UP! I have better things to do with my time.
I XXXX XXXX co-sign load for my son XXXX XXXX. Set up paper work. 
Loan wat to start after he got his first job. Paper work took very long time. This is with XXXX XXXX XXXX. We XXXX sign the loan. 
They said due to it took so long. We would have to sign load 2nd time. So we did. They What the did not say is the loan was changed the load so payments would sartin 30 days. Did not know this and had to pay penalty. 
Then I find out Suntrust went into my account and set up autopay. 
I am the cosigner. They did not ask to do this. I let it go. But next payment did not come out. Now they want me to pay for late chargeagain.
I previously held an American Express Blue card ( " Blue Card '' ). I cancelled the Blue Card on or around XXXX XXXX. I also hold an American Express Corporate Card ( " Corporate Card '' ) through my employer. On two separate occasions, in XXXX XXXX and now XXXX XXXX, I have been charged the Corporate Card American Express Membership Rewards Renewal Fee on my closed Blue Card. When I have called American Express to resolve, it is explained to me that there is a " link '' between the Corporate Card and the Blue Card that is causing this to happen. This is not acceptable. The Card was closed by me and should not be accessible for any reason. Additionally, this charge shows up under the closed Blue Card account on my respective credit reports, which can negatively impact my credit. I respectively demand that AMEX dentify how my Corporate Card is still linked to the Card and remedy the situation.