WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I recently disputed a lien on my credit file through the Direct Dispute portal via XXXX XXXX. 
Dispute was filed on XXXX XXXX 2016 and returned on XXXX XXXX 2016. With no investigation completed. This lien has been satisfied XXXX and has been removed from XXXX & XXXX I want this removed from my Transunion credit file asap. 

Thank you, XXXX XXXX
I purchased a XXXX debit card -the following day XXXX was stolen from the card -my understanding is, If the vendor refuses to give the money back -I am not protected. visa, XXXX, and XXXX XXXX is giving me a runaround about refund of my money
I made several complaints about negative items reporting on my credit that are fraudulent and should be removed permanently from my file yet I haven't heard anything in response to my demands in months. This is outrageous and I demand this be rectified immediately as it is damaging my ability to obtain new credit. I had a change in address and provided the supporting documents.
Debt was paid in full with original debtor. After it was understood by all parties that the debt was clear I continued to receive letters to collect the debt.
Equifax has the following information on my credit report and it is not correct : Shows a collection accounts from : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX. This does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX This account was never late. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX This account was never late Shows an inquiry from : XXXXXXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXXXXXX XXXX. I did not authorize this.
Our complaint is against Nation Star mortgage/DBA Mr. Cooper. 
I paid off my mortgage XX/XX/XXXX and they were to reimburse me {$1100.00}. 
They sent a check for {$150.00} XX/XX/XXXX which I rejected and sent it back to them with the reason that it was not the amount I was due. They sent a letter from the research department dated XX/XX/XXXX and said they were looking into this matter and I still have not heard back from them. 
The XXXX XXXX XXXX XXXX of Michigan bought my property be cause they are widening the road where my house was located. they wired money to them XX/XX/XXXX and XX/XX/XXXX and rejected both wire transfers finally XXXX XXXX XXXX XXXX sent them a cashiers check XX/XX/XXXX and it was accepted then, but we have n't been able to resolve the matter of the {$1100.00} that Mr. Cooper still owes me.
This company continues to call my place of employment. They have been asked to stop numerous times. I work in a XXXX.
I have a credit card with Bank of America and due to charges I thought were fraudulent requested they change my credit card number which they did. At a point after that, I had called the company onstar and requested they cancel my account which they did not do and charged my account several more times. I found it odd that they were able too get those charges through since the card number they had was the old XXXX and called Bank of America and asked them to cancel my credit card which they said they did. I have had several more charges go through from other companies even after cancelling my card because Bank of America says they saw them as revolving charges and they always let them go through and that I have to contact all the companies and cancel those myself. I told them that I always refuse revolving accounts and no company has my approval and that I want no more charges from any company to go through and they said they can not do that. They told me if any charges from any company I have done business with in the past comes in they will pay it and I will have to contact all the companies to cancel. I told them I do not know what companies to contact because I have not given anyone permission to do a revolving account and want the bank to stop paying them but they have refused to completely close my account and stop letting such charges come through. Bank of America says I will just have to keep getting and checking statements and deal with each company as they come through because they do not stop taking those type charges until a certain period of time of inactivity has occurred. When I asked what is the length of time, they said it is not a specific amount of time. I closed the account 8 months ago and they still let XXXX recent charges go through 8 months later. I want the account closed completely with any and all charges blocked. It should not be legal that I can not completely cancel a credit card, and that I have to worry about still checking statements for some unspecified period of time before the bank finally stops letting charges go through on a closed account. Consumers can not know what companies will be charging the account in order to call them prior to them charging the account if the companies are doing so without approval, so canceling the card should stop that, but not with Bank of America. Also, it should not be legal that charges can go through when a company submits a charge on an old card number and they do not have the new card number, but not at Bank of America.
Upon checking my report on XX/XX/2018. many of the accounts are now showing a different status. Once again showing the miss reporting of the credit reporting agency.FCRA LAWS and mandated METRO 2 format COMPLIANCE regulation requires ANY and ALL data reported be CERTIFIED as CORRECT COMPLETE and exacting in TESTIMONIAL TRUTH affirming the FACTS of every aspect of lawful standing and reporting I DO NOT AUTHORIZE you to RETAIN or report other.How can the credit reporting agencys continue to hold me at fault when it is finally clear that they are miss reporting everything on the account. someone needed to be held accountable and this removed. this was not my doing but i have been victimize.
XXXX is reporting a mortgage that does not belong to me or my husband the account number that shows is XXXX the account shows foreclosure started, I need this remove from our credit. 

XXXX XXXX XXXX XXXX is reporting that they were included in my Chapter XXXX Bankruptcy account number XXXX, XXXX was not included in my mortgage and I need it removed from my credit this wrong reporting cost me my loan.
ON XX/XX/2018 RECEIVED AN ALERT THAT A CHANGE TO MY CREDIT REPORT HAD TAKEN PLACE! ... .INVALID INQUIRY ( LISTED ON CREDIT REPORT ) FROM APPARENT UNKNOWN RESOURCE!! I HAVE NO DEALINGS WITH COMPANY IN QUESTION. NO APPLICATION FOR EMPLOYMENT, CREDIT, ETC. EXIST!! 
INQUIRY LISTED AS : XXXX XXXX UTILITIES AND FUEL XXXX XXXX XXXX  XXXX XXXX, TX XXXX ACCORDING TO XXXX XXXX, NO RECORD OF SUCH ENTITY!
I purchased an RV through US Bank. The payments of {$340.00} initiated on XX/XX/XXXX. Approximately XXXX weeks prior to the due date XXXX of each month I would go into the main US Bank XXXX XXXX XXXX XXXX XXXX WA and submit my check that also included an additional principle payment- from XXXX XXXX XXXX. On my check I would note that this payment was for Principle only. The last several months I started to receive my statements that would say I had a past due amount ( for {$200.00} ) ; thus adding it to my normal payment. I went in and they said they would fix it - but the following month there again was another past due amount of XXXX. I actually got a call last Friday the XXXX from a bank collector looking to have me submit the past due payment. 
Any borderline teller should be able to bring up my account and see that all along I 've been making my regular payment plus added principle. When I had this XXXX min conversation I was transferred to another employee ; who in speaking with them ask about a couple of statements that I received ( XX/XX/XXXX and XX/XX/XXXX ) that I had a XXXX amount due so I wrote {$400.00}. towards principle only and was told that those payments really did n't all go towards the principle that some went to future payments -paying interest. When I ask for a print out of all payments I made she told me I would be charged a fee for this. Really! I was told the situation was change and the past due was taken care of-when I went to the bank today it still had a past due of XXXX on my account. 
My main concern is if this is happening to me ( a senior citizen ) how many unsuspecting people world wide that do n't check their monthly statements are they doing this to. 
I had similar issues with my mortgage for several months. They were not applying my full principle payment to my principle but taking out and applying to my interest-as if I would give them free money. So over all, this has gone on for many months-despite my telling them that I will seek out further investigation. I got insulted when the folks that called me said it was the front line teller that was causing the problems. I know they go into their computer templates and place the payments in the appropriate boxs. I have most of my statements and my check register noting days of payments with check numbers and how much additional principle made. I 'm really tired of hearing I 'm sorry -I think/believe there should be an outside audit run on their procedures and if found at fault-upper management lose their jobs. This is very stressful for me- I work in a VERY High stress work field ( XXXX ) I really do n't need to constantly monitor and call attention to inappropriate bookkeeping from professionals. I believe XXXX financial got nipped for doing something like this. 
Thank you.
I was on military XXXX, copies can be provided, and cancelled my XXXX account but they continued to charge me and refused to acknowledge the SCRA. I disputed this charge with XXXX credit report agencies, but they refused to acknowledge SCRA. I disputed this with the phone company and with the credit bureaus, and have gotten no help, so I talked to my units legal counsel and financial counsel ( XXXX XXXX, XXXX, XXXX, you have my permission to ask them any follow up questions ) and they suggested I report this to CFPB before pursuing further legal action.
Has listed used name as : XXXX XXXX XXXX. 
I have never used this name
I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
After receiving a copy of my consumer report I noticed inaccurate information being reported by Santander Consumer, USA. I then sent a 1692g request in which was received by Santander on XX/XX/2018, at approximately XXXX. Santander failed to respond to the requst and continues to report inaccurate information on my consumer report.
BB & T decided to close a bank account for which I was using their paperless program. Because I was given no warning of the account closure, I do not have copies of my records. I need the information from my account in order to do my taxes. They 're now trying to force me to go to my local branch and print physical copies, for which I would be charged {$5.00} per page and {$5.00} per check. As I had several checks daily, this is an overwhelming amount of money for my small businesses. Also, I do not see the point of printing these records, digital is preferred. The following account is affected. 
Name : XXXX XXXX XXXX Account : XXXX
I am receiving calls regarding a debt that I supposedly owe from a property management called XXXX XXXX but no verification of debt has been provided. My lease ended XXXX XXXX, 2015. I moved out XXXX XXXX, 2015. I paid my rent on time. I ended my lease in good terms. I never received an outstanding invoice amount from XXXX XXXX. The call from Rent Recovery Solutions, LLC concerns me, as I am not sure they are legally authorized to collect such claim.
I requested my annual credit report and i was sent a letter stating i had to provide proof of identity such as a utility bill. I sent a copy of a current electric/utility bill from XXXX and then i got a letter stating again stating that i needed to provide proof of identity with the same forms of identification listed on the form such as an eletric bill. I also have a security freeze since my identity has been stolen in the past and when i go to transunions website, it allows me to sign in but starts flashing and flicker. i know its not the computer or the internet because i was able to temp life the freeze from other credit reporting agencies. transunion has blocked me from my own info and even when i provide verification of who i am and my current address, they still will not provide me my credit report. their online credit report request asks me questions to try and verify me that has nothing to do with me and does not pertain to me so it denies me the ability to get into my credit report online because the questions that they are asking do not pertain to me. Im not sure why they changed my information but i would like them to stop blocking me and correct the wrong information they set up to keep me out of my own credit file. I can get to my credit report from XXXX but not from XXXX or transunion and transunion will not let me temp remove the freeze even though i have my password and pin number to do so.
The company continues to call and this was paid in full - The doctor 's office neglected to file the claim appropriately as they filed it under the wrong patient name thus my insurance declined the claim. I have talked with the insurance company and they paid the claim and the doctor 's office cashed their check in XX/XX/2018. The collection agency will not remove off my report. This should never had made it on my report.
I asked wellsfargo to cancel a credit card and pay it in full, they did not process a transaction for paying in full, they only withdrew the minimum. I also asked that they send me paper statements because I have had so much difficulty with the website. They assured me all of my accounts had been transferred to paper. I did not receive any statements in the mail and they continued to charge me interest and fees on an account that should have been closed.
I have 5 duplicated accounts from the same company due to a transfer in which the original account is supposed to be removed or so i thought. XX/XX/XXXX & XXXX are the close dates.
I have a business credit card from my employer. We were migrated over from XXXX XXXX to Barclay by XXXX. On XXXX XXXX, 2016 I called to activate my card. My boss ( doctor ) the Primary Account Holder had a difficult time activating his because they have my social security number and date of birth listed as the primary account holder. I have been told that both cards are in my name and I am listed as the primary account holder and am financial responsible. I called immediately to correct this error. I faxed over requested information immediately. I did not receive a response. At first I attempted to resolve this by calling Barclay and speaking with a supervisor, after numerous calls and not being able to speak to anyone that could help me and begging the supervisors to escalate my call and put me in touch with " someone higher up '' I resorted to social media. After posting on Barclay 's XXXX page XXXX from the Social Medial Team reached out to help. I informed her I would need to speak to someone higher up. I finally contacted XXXX to complain and was contacted by someone from the Executive Office of Barclay Card ( name available if needed ). It has been 4 weeks since this nightmare started. I have spent at least 6 hours on the phone trying to correct their issue. As of today I was told that they finally have the doctor listed as the primary account holder but unfortunately they still have my social security number and date of birth under under his card. If I credit report was pulled for me today, what would it show!! This is identity theft at a whole new level. I have documentation ( date, time and name - It is too lengthy to list her. I want this nightmare to be over!
I have 4 XXXX student loans that are still being reported " past due '' after 2 months of being paid. XXXX and Experian refuse to update these accounts and show paid as agreed or atleast current. Please help me this is killing my credit
I reported fraudulent charges to Citi that I saw on my billing statement. 

On XX/XX/XXXX I was charged {$1600.00}, XXXX MXN, by XXXX XXXX XXXX XXXX XXXX for commercial equipment. 

During this time I was on vacation in XXXX and the card was in my possession. 

Not once did I make any single charge of XXXX MXN to the best of my knowledge. 

The details for this transaction are as follows : XXXX XXXX XXXX Transaction XXXX : Purchases Posted Date : XX/XX/XXXX  Category : Merchandise - XXXX XXXX XXXX XXXX XXXX Reference Number : XXXX Card Member : XXXX XXXX XXXX Merchant Country : XXXX Foreign Currency : XXXX XXXXXXXX XXXX I was also charged {$750.00}, XXXX MXN, on XX/XX/XXXX.This was by a XXXX  XXXX which I also state as fraud as I was told by the merchant that the credit card machine wasn't working and I paid in cash instead. 

The details for this transaction are as follows : XXXX XXXX XXXX XXXX XXXX XXXX  Collapse Details Additional Details Transaction Type : Purchases Posted Date : XX/XX/XXXX Category : Restaurants - EATING PLACE, RESTAURANT Reference Number : XXXX Card Member : XXXX XXXX XXXX Merchant Country : XXXX Foreign Currency : XXXX XXXX I didn't notice these until after I got back from XXXX. I wasn't traveling for business, just for vacation. 

Citi refuses to accept my claims as fraudulent because I was honest and told them all other transactions besides these I recognize as valid.
Dear CFPB Representative ; Is there anything we can do about bad service from a mortgage company? 
I am writing to complain of XXXX errors that have occurred in the servicing of our loan. 

The XXXX XXXX errors have been with the application of XXXX of my payments. Every payment that I mail includes a payment voucher clearly stating the normal mortgage payment plus any additional payment details. On XXXX different occasions over the last year, my payments were erroneously applied totally to principal rather than to principal and interest as required. Each time, I had to call customer service and point out the error and how the payment should be corrected. I was told by customer service, that if I wanted to avoid future errors, I should go online to input my payment amounts to their system. I think going on-line should not be necessary when I complete the company provided payment voucher and send with my check. In fact it feels I am doing a Roundpoint employee 's job. 

The last error was a Roundpoint over-payment from my escrow account for the dwelling insurance. The Insurance Company sent a bill to Roundpoint for {$730.00}. Roundpoint issued a check to XXXX XXXX for {$1700.00}. This error actually paid out more money than the escrow account contained! The estimated insurance amount was only {$930.00} dollars, but almost XXXX that amount was paid out with no alarms. I spoke with XXXX ( processor code XXXX ) in customer service and XXXX ( insurance department ) regarding this error. They were not able explain how this error could happen nor if there were any procedures in place to avoid these errors in the future. 

After depositing the refund check from the insurance company, I have mailed a check for {$1000.00} to fund the escrow account. The current Roundpoint statement ( copy attached ) still shows an escrow shortage as they had not received the {$1000.00} check at the time the statement was printed. I have no confidence that this error will be properly corrected by Roundpoint, nor do I have any confidence in any of their balance calculations. 

In addition, I am angry that Roundpoint customer service has been outsourced to the XXXX! It is always difficult to resolve an error but then to try to explain issues to someone who can hardly be understood because of such a strong accent is frustrating. I am horrified that my confidential information is in a location where the security is questionable and accessed by people who are not subject to the judicial system of the United States. 

I have been a homeowner since 1986 and never experienced such errors from a mortgage company. Is there anything I can do to insure that this does not continue?
I paid the XXXX the amount of {$270.00} on XXXX/XXXX/2016 and I have the online receipt. FIRST FEDERAL CREDIT CONTROL reported an open collection on XXXX/XXXX/2016 for the amount of {$230.00} for XXXX. They called me several times and I told them that I have paid. I do have the receipt number and a PDF copy. The payment also appears in my bank statements.
Mortgage with GMAC XX/XX/XXXX maturity date XX/XX/XXXXXXXXXXXX @ month, never refinanced or modified. Sold to ocwen XX/XX/XXXX and ocwen nchanged the maturity date to XXXX, also was showing XXXX different bals on the statements, pretaning to principal and interest, requested the original note three times and received other material.breaking the law? I have all documents.they said it was a mistake, but never corrected it. Had to withdraw savings, and pay it off.never received the original
I have virtual currency on the exchange that Coinbase uses ( XXXX ) and have been locked out of my account for over a month. I have sent all the required identification to the company and they have informed me that this issue would be resolved within 5 business days ( this was three weeks ago ). Since then the company has not been responding to my complaints in a satisfactory manner. At this point I am not getting a response at all.