WillisBack/dataset-financial-user-claim huggingface dataset:
I have been disputing unauthorize inquiries and credit errors on my credit report for over three years and Experian, XXXX and XXXX has n't deleted negatives from my credit file. Credit reporting agencies have not supply evidence of my handwritten signatures with me applying for credit with lenders or credit companies. Some creditors companies will sign consumers name just to protect themselves from any Federal lawsuits. This is the list of unauthorize hard inquiries on my credit report that is damaging my credit scores with XXXX, XXXX and Experian. According to XXXX XXXX monitoring credit and scores my XXXX credit scores is at XXXX, XXXX XXXX, and in my free membership with Experian monitoring credit score is at a very damaging score at XXXX. Credit reporting agencies are very aware that I am a US Military Veteran and I am XXXX XXXX XXXX XXXX. Under my XXXX XXXX XXXX under the Department of Justice and Federal and State Consumers Laws I am been Discriminated and Retaliated because my National Origin as a XXXX XXXX and Military Veteran status. Here is the twenty five or more Unauthorize inquiries list on my credit reports that 's damaging my credit and scores .A Bankrutcy Chapter XXXX was filed on XX/XX/XXXX and XXXX , Texas Federal Judge Discharged on XX/XX/XXXX and as I view my credit report Experian, XXXX and XXXX was not deleting collections and negatives wording statements on my credit files. Unauthorize Hard Inquiries list of twenty five or more are as follow that is displaying on my credit reports.. 1XXXX XXXX .Inquiry date XX/XX/XXXX Misc.Reporting Agencies 2.XXXX.XX/XX/XXXX.Misc.Reporting Agencies 3.XXXX XXXX XXXX XXXX .XX/XX/XXXX 4.XXXX XXXX XXXX.XX/XX/XXXX 5.XXXX XXXX .XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XXXX.XX/XX/XXXX 8.XXXX XXXX XXXX .XX/XX/XXXX 9.XXXX XXXX XXXX XXXX .XX/XX/XXXX 10.XXXX .XX/XX/XXXX 11.XXXX  XXXX XXXX.XX/XX/XXXX 12.XXXX XXXX XXXX.XX/XX/XXXX 13.XXXX  XXXX.Personal loan.XX/XX/XXXX 14.XXXX. XX/XX/XXXX 15.XXXX XXXX.XX/XX/XXXX 16.XXXX .XX/XX/XXXX 17.XXXX XXXX XXXX.XX/XX/XXXX18.XXXX  XXXX.XX/XX/XXXX 19.XXXX.XX/XX/XXXX20.XXXX XXXX.XX/XX/XXXX 21.XXXX  XXXX XXXX.XX/XX/XXXX 22.XXXX XXXX XXXX.XX/XX/XXXX 23.XXXX XXXX.XX/XX/XXXX 24.XXXX XXXX.XX/XX/XXXX 25.XXXX XXXX.Utilities & Fuel.XX/XX/XXXX This list of creditors should supply Federal Government on my file complaints with my hand written signatures
I terminated my XXXX XXXX service XX/XX/2016 due to poor service when the service technician failed to show up during the scheduled time window. The technician rescheduled for the next day, but failed to show up again in the time window and actually tried to access my property, after dark, through a private, gated entrance! I immediately cancelled my service and paid the amount due up to that point according to the customer service representative. This person also confirmed the {$49.00} service fee would not be charged. Since then, I've spoken with XXXX XXXX twice and they confirmed there was a " note '' to remove the service charge, but it never was. The account went to collections with a balance of {$27.00}. I've been contacted by mail and email several times by the collection agency. I've reached out to XXXX XXXX through social media to resolve and they were supposed to zero out the account and remove it from collections. I checked my account online ( still active ) and it still shows a balance of {$27.00}. I downloaded the last statement which shows the balance AND {$49.00} service fee that was never removed. XXXX XXXX actually OWES me {$21.00}!
Poser Investments filed Notice of Default WITHOUT notifying us & forcing to Foreclose on our only & primary home. Poser violates our homeowner rights by harassing us with mails from vendors of Foreclosure Threats. Poser is scheduled to Foreclose on our home on XXXX XXXX, XXXX. Our family is a one paycheck household and XXXX family members are XXXX. We have XXXX school age children and our family is suffering from severe financial hardship. Our home loan was modified in XXXX and we have no knowledge of this outstanding loan from Poser
XXXX XXXX is telling me something is not right because the company didn't do a right to cure I telephone the police and asked them they said it was not a cure on that vehicle.
The subject of this complaint is XXXX.

Three weeks ago I transfered {$300.00} or so from one of my XXXX  accounts that was created separately within " XXXX XXXX '' to my XXXX   account within " XXXX XXXX '' and received an email about four days later saying that the money had been received in my XXXX account and would show up within three business days.

To date, I have contacted XXXX  via online chat, called four times, and XXXX said it has contacted XXXX directly. I still see no funds in my XXXX account. It's been three weeks now.

From XXXX, my money was withdrawn, and from XXXX  I got a notice saying the money has been received, but It just has never hit my XXXX account. XXXX says it's XXXX  's fault. XXXX  said it was XXXX XXXX XXXX.

I am contacting you so that XXXX can ensure the amount is sent to XXXX  and that XXXX reflects this {$300.00} transaction in my account.

Right now it is essentially stolen out of my accounts on account of the failure of these two banks and the intermediary XXXX.
On XXXX XXXX I made an online payment with Homebridge Loan Servicing Inc. and received immediate confirmation of such. 
This payment was not debited from my account and they subsequently transferred my loan to another servicing company. 
I have written and called on numerous occasions and no one has even investigated the matter, much less resolved it. This company is poorly run and has had numerous problems in the past with its web-site and with debiting mortgage payments appropriately, even to the point recently where they improperly debited numerous accounts and had to provide refunds. 

XXXX XXXX XXXXXXXXXXXX
XXXX has been non-compliant with removing the unverified account BANK OF AMERICA which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that BANK OF AMERICA was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
I have an address showing on XXXX XXXX XXXX XXXX XXXX that is not Mine.
I called this company previously about getting verification of the debt since I had no knowledge of it but was talked to horribly/threatened & without resolve but was told in a letter it was being investigated but to date never received any verification or follow up to my verification request. I only received notices stating the amount of the debt and that the company wo n't be able to sue due to the age of the debt & actions that will occur if left unpaid.
A bill for {$93.00} that I do not owe. Looks like a scam letter.
Dear CFPB, I have asked Nationstar Mortgage, now Mr.Cooper, to send me XXXX XXXX payment history from XX/XX/XXXX-XX/XX/XXXX but they had not yet done so. They have only supplied that info for time after which they took over XXXX XXXX in XX/XX/XXXX so I am still contesting the additional # XXXX they tacked on to our loan for, they say, non-payments from XX/XX/XXXX-XX/XX/XXXX. My faxed documents show that the mortgage was paid during that time. I have also written the IRS for those documents since, to date, I have not received them from Nationstar ( Mr. Cooper ).
On XX/XX/XXXX I paid off my loan with XXXX. In turn my Gap Insurance was cancelled on the same day. The company policy for XXXX XXXX XXXX is 10 business days for refund of Gap Insurance payments. I initially contacted them on XX/XX/XXXX to make them aware of the cancellation and expectations of the refund of {$800.00}. I was told the check would be mailed on XX/XX/XXXX. 10 business days from the date of cancellation. I called again on XX/XX/XXXX and was told they had n't mailed the check they would mail it out on XX/XX/XXXX. On XX/XX/XXXX I called again and was told their was no payment due to me? After a few minutes of back and forth I was told the check would be mailed that day. I called again on XX/XX/XXXX and was told the check had n't been mailed yet and they would send an email to payment processing to check on the hold up. A few hour later I receive a call from XXXX in the rebatables department. Reassuring me a check would be mailed out that day. XX/XX/XXXX I call again and I am told there is a not that a payment should be sent out but no payment has been sent out as of yet. My issue is I missed a very important trip to me. XX/XX/XXXX XXXX vs. XXXX in XXXX my son plays for the XXXX and these funds were to be used to Fund this trip. The refusal by this company to refund my monies is shameful. Please look into their practices. Thanks
On XXXX XXXX, 2015 I received my monthly credit card statement for my Visa card issued from Capital One and found XXXX transactions that occurred in XXXX different states from XXXX XXXX, 2015 to XXXX XXXX, 2015 when I had charged my credit card within XXXX County, VA ( XXXX, VA ; XXXX, VA ; XXXX, VA ) where I live and was in school these dates. 

I reported the following charges as fraudulent to Capital One under my Visa card ending in XXXX today to start an investigation in the following transactions:XX/XX/XXXX XXXX XXXX # XXXX = {$180.00} XX/XX/XXXX XXXX = {$160.00}! XXXX XXXX XXXX # XXXX XXXX = $ XXXX have never been to any of these areas and have no idea where they are. I have contacted the Capital One Fraud and Legal departments to start the investigation of these XXXX transactions as of XXXX XXXX XXXX XXXX XXXX, 2015. I stated to Capital One that I want to press criminal charges against anyone involved in charging these fraudulent transactions. 

I have not paid the total charge of {$540.00} as of today on these fraudulent transactions and have been informed by Capital One that these transactions mentioned above will be refunded on my credit card statement.
I applied for American Express Platinum card in XX/XX/XXXX and finished the minimum spending requirement of {$3000.00} in XX/XX/XXXX. The welcome bonus XXXX membership rewards were deposited into my account in XX/XX/XXXX. However, when I tried to transfer membership rewards to my Delta Skymiles account on XXXX XXXX. I was unable to do it. So the following day I called American Express and was told that {$200.00} spending was not counted towards the minimum spend because it was reimbursed as airline credit. The {$200.00} airline credit is part of benefits of the American Express credit card, and I can enjoy it because I have paid annual fee {$450.00}. I also checked terms and conditions of the card, and it says the following. 
Qualifying purchases can be made by the Basic Card Member and any Additional Card Members on a single Card account. The following charges do NOT count towards the Threshold Amount : fees or interest charges ; balance transfers ; cash advances ; purchases of travelers checks ; purchases or reloading of prepaid cards ; or purchases of other cash equivalents. 
From the statements above, it does n't exclude airline credit reimbursement so I do believe that American Express can not use {$200.00} airline credit reimbursement not counting towards minimum spend as a reason for reviewing my account and result in such inconveniences and hassles to me. I am writing to get all my membership rewards points UNFROZEN. 
I view each point of membership rewards around XXXX cents, so a freeze of XXXX membership rewards points is around {$2000.00}. In other words, my loss is around {$2000.00}.
Customer service would not help take care of these inquiries reporting to my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I used PayPal to invoice a client. The client was expecting to see my business name on the charge statement, and only saw PayPals. The client requested a charge back due to confusion about the charge, then reversed the charge back. PayPal staff today admitted that the charge back had been reversed and that they have had the funds since XXXX XXXX, 2016, however they failed to disclosed or report this to me for over a month per their user agreement. Instead, multiple parties and actions from PayPal have led me to believe they had no information about the funds. ( If there is a hold or a reserve, they are still supposed to disclose that they have the funds ). PayPal has urged me to invoice the client twice, urged me to pay my clients bill, shuttered my account, failed to review the exhibits I submitted in a timely manner, and are having their collection department call me about funds they already know that they have, and are withholding from my account. They have taken up many hours of my time and required me to offer concessions to the other party involved in the transaction. My impression is that PayPals internal process and the information they provide to consumers is intentionally limited and confusing, and has been designed this way to generate duplicate payments and fees for PayPal.
I was XXXX from XX/XX/XXXX thru XX/XX/2018. While XXXX am individual accessed my banking information and atm card with the pin number. He began using my account a if it were his own by claiming MY UNEMPLOYMENT benefits and using my account for the direct deposit. He overdraw my account and spent {$2000.00}. I have gotten nothing back. The banking institution refuses to reimnurseme even though i provided proof of everything they asked for.
XXXX XXXX XXXX has inaccurate information reporting to the credit bureau 's regarding a medical bill that is not mine. I have disputed these accounts twice and they are not giving me the info I have requested.I was in an accident and this was paid for by my attorney, throught the other party 's insurance company. The letter below is what I have sent them and the 3rd party company has not responded to my requests. The account number for this 3rd party creditor is XXXX amount {$2100.00} The letter below is what was sent to them regarding this account XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit from XXXX XXXX  in the amount of {$2100.00} Account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Sincerely, XXXX XXXX
XXXX complaints against MB Financial Bank : 1. Despite the correct trial debit and credit transactions designed to establish ownership and permission which have been processed at MBFB from both XXXX XXXX Bank and the University XXXX XXXX, XXXX has failed to process the subsequent transfer requests made by me from those XXXX banks for funds residing in my account at MBFB. This has caused bills to be missed. They have failed to provide the contracted services and caused me financial harm wrt late fees and penalties which resulted from their failure to transfer the requested funds. 

2. Despite assurances on at least three occasions that my new MBFB ATM card would function exactly as did my XXXX XXXX XXXX ATM did prior to the bank being acquired by MBFB, it does not. MBFB fraudulently claims that there is no service fee to use their new ATM card at overseas locations. This is a lie. They do not indicate any fee, but they do not provide the current bank exchange rate when withdrawing money in local currency from overseas ATM 's. The acquired bank ATM card provided the actual current bank rate of exchange for all ATM transactions overseas for over 20 years. MBFB practices amount to a fee for such transactions. For the XXXX transactions I have made in XXXX, XXXX XXXX, and XXXX, this has amounted to a transaction fee of between XXXX and XXXX %. They are lying about this fee, stating that they do not charge one. It is fraudulent because they hide the fee in the exchange rate used for the transaction. 

These practices remind one of the type of moral XXXX prevalent at XXXX XXXX. Please take action to correct this criminal activity.
Hi, In the last 2 months, I have been looking to get a mortgage form the XXXX banks where I have an account : XXXX and First Republic Bank. After giving them all my datas and explanations ( down payment of $ XXXX- {$100000.00}, I have no debt, no school loan or such, good credit score, have been working with the same employer for the last 12 years, work contract signed for next year, letter from my Human Ressources ), etc ..., they still told me that I could n't qualify for a mortgage ( i 'm looking at a {$300000.00} loan ), because I 'm currently on a XXXX and therefore not receiving any paycheck. I told them that I felt discriminate and it 's the case. 
After some research online, I found a recent article concerning that discrimination : XXXX Again, I believe that none of the reasons they gave me make sense. Right now my rent is more expensive than if I had a mortgage to pay. Why would they let one of their client to pay a rent more expensive than a mortgage. Not very customer oriented for a bank. 

Please let me know if you have any questions.
On XXXX XXXX, 2015 I sent a certified letter to Enhanced Recovery Company to verify a negative tradline entered on my credut profile by this company. The certified receipt was signed on XXXX XXXX, 2015. Today is XXXX XXXX, 2015 and I have yet to receive any information to verify that this erroneous account being reported in a negative way to the credit bureaus under my credit profile. I was under the impression that a company is given 30 days to verify this information or it should be removed from my credit profile.
My Heloc was transferred from XXXX to Bayview Loan Servicing. I made additional principle payments of {$2900.00} to Bayview but they did not apply any of it to the balance even though it is reflected in the year to date portion of XX/XX/XXXX statement. The additional principle was made during XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Bayview then flipped the Heloc to a company called XXXX XXXX who immediately transferred it to XXXX XXXX Bank. XXXX bank refused to look into my complaint stating that it was not their job to do Bayviews accounting. XXXX will not even respond.
Looking to refinance investment property with Green Tree Lending Service and submitted personal information almost a month ago. The company took all loan information from my partner and myself and has not responded back to any of our call concerning the process. We are told that if another loan agent take over he/she would have to conduct another credit check and basically start the process all over which would not be good for our credit scores. We both have good credit and have been owning the property for a number of years. XXXX XXXX agent : XXXX XXXX, phone XXXX Ex XXXX
Hello, I 'm a customer of Bank of America and I have a complaint in with them already. I received a from XXXX XXXX. Her number is : XXXX XXXX. She instructed me that the inquired was pulled on XXXX XXXX, 2016 was legit and they would not be able to remove it. However, the inquire listed on the letter attached to this e-mail is not in question in question ... It seems that did not read or ignored the screen shot of the inquire in question as it attached the first complaint ; in addition, to this XXXX. 

They are avoiding that fact. It 's clear that FIA/CS pulled my credit report on XXXX/XXXX/2016. I have supplied that screenshots of the inquire pulled from XXXX on XXXX/XXXX/2016. I was instructed that they use XXXX to pull my credit as I knew they were some issues on XXXX getting corrected. 

Now, let me make this clear. I was using my " person credit profile '' for " Business Credit '' ; therefore, BOA pull my personal credit report to get credit for business name and they pulled it from XXXX I was mislead as ask a number of time this would be pulled from XXXX. 

I have attached the letter from Bank of America dated XXXX XXXX, 2016 in response to this dispute and they have responded with a TOTALLY DIFFERENT DATE OF THE INQUIRE IN QUESTION ... Please see attachments for all details. 
Here is the CFPB # XXXX is the first complaint.
I have a XXXX lien showing up on the Title to my home that I need subordinated in order to qualify for a rate & term refinance. I am trying to pay off my 2nd mortgage which was taken out when I purchased the property, and fix my adjustable rate on my primary mortgage. Both of my current mortgages were taken out at the time of purchase, in XXXX of 2005. This XXXX lien from Sovereign bank needs to be subordinated, and it benefits them to subordinate it. I have made all payments on it in a timely manner, and by subordinating the lien Sovereign moves into a 2nd lien position, & the transaction will provide me with less monthly overhead, freeing up money to ensure that I continue making the payments for the Sovereign lien ... Sovereign refuses to subordinate this 3rd lien and will not provide an explanation as to why ... It is advantageous for them to do so, and makes sense for all parties. I need to do this refi, and in order to make it happen I need them to agree to subordinate ...
I have n't heard ANYTHING from this clinic nor phone calls or notice letter regards to this amount. I just received email from XXXX that I have XXXX collection. Then I was surprised.