WillisBack/dataset-financial-user-claim huggingface dataset:
I have a check that I wrote to a vendor on Friday afternoon after XXXX XXXX and the Monday before that I had deposited a check that was returned and I learned from that on Saturday Morning. I went to deposit cash for the negative balance and to cover the check. Monday the check is presented and they charged me an overdraft having cash in the bank? according to the bank the cash is not available right away? in another distance also this bank put a deposit on hold over 2 weeks. What would they take 2 weeks to have funds available. I think this bank is abusing the customer and taking advantage and needs to stop.
In XXXX XXXX, I reported to XXXX XXXX, and Transunion, that information on my credit report is incorrect. Date of first delinquency being reported by XXXX XXXX XXXX ( XXXX ) is incorrect. They were even falsely reporting payments that were never made. This was a loan obtained in XXXX which is now a XXXX year old account still being reflected on my credit report. It is being reported that last activity was XXXX when in fact no activity has been made 5 years beyond that.
In XX/XX/XXXX, my debit card was stolen and the person that stole my card used my account to deposit stolen checks ; leaving my account in overdraft. I spoke with my bank about the problem and they connected me with the fraudulent department. They closed my account and opened up a brand new one for me. About XX/XX/XXXX I had trouble getting access to my account. I spoke with the bank and they told me to speak with the fraudulent department again saying that my account is on no check status. Money was able go into my account, but I wasn't able to take any money out. The attorney on my case, XXXX XXXX, told me that until I pay back those overdraft fees of $ 950+, I will regain access to my account. I called my own personal attorney and filed a police report. They wrote a letter regarding my situation, to the bank, about fixing my account and nothing has been done since then. It is XX/XX/XXXX and I haven't been able to gain access to my account since XX/XX/XXXX. I have bills that are way over due now because I still don't have access to my account. My attorney gave me advice and told me to file a complaint with the Department of Banking so that they can help resolve the situation. The bank knew that there was fraud on my account but they're having me pay back those fraudulent fees, which I don't understand.
My property was sold. It was agreed with Bank of America that I would not have derogatory information reported to credit reporting agencies due to the XXXX balance of the transaction. 
That appears to be an inaccurate promise from Bank of America. XXXX and XXXX has derogatory information from XXXX and XXXX on my credit file.
all 3 CRA reporting account of public records outdated reporting SINCE 2011, not my account/ never file bankruptcy, incorrect " PACER '' data and violates FCRA provision 605,607,611 and 623a
My checking account was set up to decline any transactions to include checks, EFTs and debit card purchases when there where insufficient funds. When I went to check my account the other day I noticed that yet again, commerce had allowed these transactions to go thru again even though I had visited the branch the last time this occurred to ensure that this would not happen again. Now there is approximately {$150.00} of overdraft charges on my account the should not have occurred due to the fact that I was assured that it was set up properly to decline any transactions when funds where not available.
I look on XXXX XXXX daily. I saw a company called XXXX XXXX XXXX as a hard inquiry on my credit report on XX/XX/2018. I never authorized my credit to be ran by this company. I do not want a car. I have one. I contacted the fraud department. After researching they told me that The application was done online and they do not have a hard copy and my SS # is one number different than the applicant and the credit bureau accidentally merged our information. I called the credit bureau Equifax and they stated it is not possible to have that happen and to call XXXX and have them submit an electronic request to have the hard inquiry removed from my credit report. When I called XXXX back they said they could not help me and transferred me to their parent company XXXX XXXX. XXXX told me XXXX will just keep transferring me to them bu there is nothing they can do because they do not have an application from me to even discuss with the credit bureaus about. I am all out of options. Everyone keeps telling me they cant help me. I am being penalized for something i did not do and I need the help of the CFPB to get this fixed. I understand an inquiry does not have a large impact on my credit score but I have a good amount I did myself and I am getting ready to purchase a home in the future and I do not want to be penalized for something I never did. Please help me. 

XXXX XXXX
XX/XX/2014 I received a message through fax from XXXX XXXX the recovery specialist stating once I paid the full balance of XXXX Westlake financial service would release the title ( which they did ) and would update the info on my credit report as paid in full ( which they have not done ) it is listed as legally paid in full for less than the full balance. I paid the full amount and I have been disputing this for years through the XXXX  and Westlake financial services. I have provided all the documentation as proof of this to XXXX and Westlake financial services. This has and continues to impact my credit and interest rates. Westlake financial services refuses to correct the information that is being improperly reported to the credit bureau. Recently I spoke with XXXX XXXX on the phone he informed me that he had looked over the documents and that the information is being reported correctly.
I wrote to XXXX XXXX concerning two accounts which are showing chargeoffs and collection activity. I wrote to the company on XX/XX/XXXX and again on XX/XX/XXXX to request documentation to support the reported information or deletion of this inaccurate information. They never responded and have stonewalled me. They have a responsiblity to prove the reporting or repair or delete it.
Updated Combined Complaint XXXX Mortgage Fraud Serial Crimes Bullet Point Summary : -XXXX XXXX XXXX XXXX 's XX/XX/XXXX Corporate Collapse Breached to XXXX XXXX  Contract Acct # XXXX with XXXX XXXX XXXX on property XXXX XXXX XXXX Ct XXXX XXXX GA signed XX/XX/XXXX. ( XXXX ) - XX/XX/XXXX file for bankruptcy, XXXX gives permission to XXXX for emergency acct mgt auth to Carrington Mortgage Services. XXXX Collapses -Carrington Mortgage Servicers, ( CMS ) Collected Unconsummatable Breached Contract mortgage payments for 7 years, and concealed true status of Lenders Demise. -Carrington Mortgage Servicers and XXXX XXXX XXXX , Forged Assignment and Transfer to Trust Certificate Series XXXX and Filed Fraudulent Deed Recording Against Real Property. ( XXXX Breached Mortgage Contract ) -Carrington Mortgage Servicers and XXXX XXXX executed a wrongful foreclosure using a Forged and Filed Fraudulently Recorded Deed. -XXXX XXXX collaborates with XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) to execute an CMS insider receivership Bid-Rigged Auction for {$110000.00} on a {$190000.00} home - XXXX executed executes wrongful eviction proceedings in XXXX Magistrate Court case # XXXX for Judgment -I appealed Judgement to Superior Court of proper jurisdiction hearing on my Complaint for Bid-Rigged Real Property Sale , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, hearing date XXXX XX/XX/XXXX
Cashiers checks through Wells Fargo with fraudulent amounts getting cashiers checks from my bank they would have me to prove I had an account even though I had the cash for the cashiers checks they were subtracting it from my account balance sone cashiers checks at times the amount was more than even the amount of the cashiers checks I had contacted Wells Fargo had brought all the proof to them it was under investigation for fraud I had a credit card linked a pre paid card linked to my account which was not mine I have a letter from them agreeing they had the proof of a year and a half of the banks errors I was working with a branch manager I spoke to him on a Monday evening he tells me it 's being taken care of the account was in the negative but they agreed and I agreed I was no longer going to keep putting money into an account that money was being taken out without my permission I had withdrawal from my account with no branch location just random bank draft an amount and that 's it I spoke to the branch manager on a Monday evening and the next morning Tuesday XXXX my account was closed and erased from my online service I could still see my other 2 accounts but the one under investigation was gone I contacted the bank they said they apologize but ca n't reopen it I said what about the investigation they said that 's closed since the account is closed they than proceed to call me and make me an offer if XXXX the account that was in the negative due to there errors and not reporting it to the credit reporting agencies if I did not except there offer I would be asked to move my other accounts elsewhere I refused the offer as I told the district manager I gave proof of a year and a half of your employees I have a case number for online fraud credit card fraud and I was n't gong away yet I ca n't seem to get them to even look into it the account being closed they assume there 's nothing more I can do when I first contacted the bank the person I was speaking to sent me a year be anhakf of statements at no charge due to how obvious it was they wanted me to leave the proof with them I declined that and went in to the branch went over each month with the proof including the other half of my cashiers check proving that even the amount they deducted from my account was more than the cashiers check amount and than having the receipts showing how I paid for the cashiers check and it should n't have been subtracted from my account
Several letters have been sent to XXXX XXXX ( XXXX ) asking them to verify the inquiry that was placed on my credit back on XX/XX/16. I have provided them letters with my Name, Address, SS #, along with the date.. 
XXXX XXXX ( XXXX ) is using the stall tacit and sending letters back to me asking for my Name, Address, SS # along with the dates. I have asked several times for them to provide me documentation supporting this is to be reported under my credit file. XXXX XXXX response is they are not able to locate or find this information. 
They Continue to send me letters asking for all this Information but yet they 're continuing to ask me for it even though they have it on the letters that were sent to them.
Treated in 2014 and paid my deductible. Insurance paid remaining balance, in FULL. Found out that they charged my deductible by {$25.00} too much, which they agreed to refund. 
Never got refund. 
Now CMRE FINANCIAL, whom I have never talked to, has submitted to collections, for more money, AFTER bill was paid in Full, and in fact, which a REFUND was due!
I found a fraudulent charge on my Barclays Elite Black Card and I have been a loyal customer of theirs for many years. However, when I attempted to report the charge to them, I was told that I needed to file a police report. I faxed them this report many times and keep being told that it is not received, despite the confirmation I have for the faxes I have sent. Now it has been nearly three months since I initially reported the charge in XXXX of XXXX. On XXXX/XXXX/XXXX I attempted to speak with Barclays about resolving the matter, they finally confirmed receipt of the police report and then attempted to tell me the fraud dispute has been closed since XXXX of XXXX which is impossible since I did not notice and report the charge until XXXX of XXXX. Once I said this was incorrect the investigations representative became very rude and hung up on me when I asked to speak with a manager that could investigate the faulty information. When I called back, twice, I was hung up on again by the investigations representatives each time.
I have a Wells Fargo PMA account. The terms of the account provide a service charge waiver under certain conditions. One of the conditional service charge waivers includes maintaining liquid assets, which include Wells Fargo Brokerage accounts in the amount of {$50000.00} or more. I have been maintaining this level for well over a year. Each month I receive my statement and have see a service charge. Upon calling customer service or going into a branch they are able to refund the service charge and keep telling me that my Wells Fargo Brokerage account is de-linking and that 's why I am receiving the service charge. I called and made a specific complaint about this. The representative, rather than fixing the issue, told me I needed to call-in to customer service and tell them that the company ID indicated on my account was wrong and that 's why my brokerage account keeps delinking every month. This is causing me harm, frustration, and is an unfair and deceptive practice. Wells Fargo representatives, no matter what department they are in, should be able to fix the company code so that this delinking stops happening on my account. I have spent hours and hours trying to get this resolved. I would like CFPB 's examiner in charge to perform system assisted testing to see how many customers thjis is impacting because if it 's happening to me, it 's very likely happening to other customers as well. Wells Fargo should be ashamed that they are harming their customers in this man ner.
Having to deal with this company is by far XXXX of the worst experience I have gone through. I have been trying for over a year to get a modification from this company that keeps giving me the run around. They have lied to me, lost my documents and keep misleading me. I am about to loose my home because of this company. They are not following procedures and something need to be done about this!!. There are over XXXX complains about this company on line, what is it going to take. I am also consulting my lawyer as I will be suing this company. Even an employee voiced their distress and dismay about feeling helpless and unable to help consumer even though he/she is aware of the mishandling, lies, harrassment and fraud going on in this business. There will be a Class action law suit for the pain suffering and lies I have and is still enduring from this company!!
I have never solicites crdito with XXXX for a XXXX auto loan. If this was XXXX On My name it was n't me. Please erase this from My account or credit report.
LANIER COLLECTON SERVICES maintain files under my Social Security number. 

Upon reviewing a copy of my credit reports, I see entry listings of {$74.00}, {$150.00}, {$47.00}, XXXX, {$98.00}. This is ridiculous and inaccurate. My insurance carrier stated that they rectified these accounts, and said you can not collect debt twice. I received the bills they sent to me, but no contracts and no validation or signatures. 

They must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all  information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
I called XXXX XXXX Credit Bureau because I had problem with their dispute online site. They told me they had corrected the area several weeks ago. 
I tried again today and it was n't fixed. I could not use the online site. I called customer relations. They transferred me to specialied consumer service offline. They transferred me to online customer service. 
They gave me an error code # XXXX and transferred me back to the offline customer service to do identity verification and merge my accounts because O was told I had multiple accounts. 
I asked how could I have multiples they could not answer that. 
They suggest I dispute live on the telephone and I got disconnected or maybe the rep. hungup the telephone I do n't know. 
I have duplicate accounts reporting information that 's not correct. 
I have accounts 7 years old that they wo n't remove, saying they are n't negative. I said the law say have removed. 
The issues is with Equifax and XXXX Credit Bureaus. All three reporting account information of same account in multiples. They are reporting incorrect balances. Reporting over the time for reporting.
I checked my credit report on XXXX XXXX, 2017 and recognized the inquiry. I called XXXX XXXX, and the operator told me she never heard of an inquiry being removed Wether it was authorized or not.
I have disputed these late payments on 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 XXXXXXXX for months. XXXX and XXXX have reversed them but XXXX 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.
I received an email for a loan over the internet saying I was pre-approved. I filled out the information and was sent to a page that showed me a loan amount and the monthly payment the next page you click is to get the interest rate and other information before accepting the loan. When I clicked to go to this page the loan was confirmed and then i got to see the interest rate which was right at 60 %. I tried to call them and ask them why my rate was so high but could not get an answer. The information I reviewed said loan would be around 35 % which is very high but I really needed the money to keep a home for my children and me. I have since talked to them and they say I knew what I was getting I have been paying on loan for almost three years and the balance has went down only a few hundred dollars all of the first three years are almost all interest. I am a XXXX veteran and I take lots of XXXX for XXXX and I thought I was getting a loan that I could afford but the hidden rates and payment schedule really caught me off guard and now I have roughly two and half more years to pay these criminals that would take advantage of a XXXX XXXX person and charge 60 % interest to that I will end up paying over {$14000.00} for an {$5600.00} loan. I ca n't believe this is legal. I got a loan paper in the mail today from another company with rates as high as 175 %?? Please help at this point I have paid them back over {$8500.00} and I only borrowed {$5600.00} total. Please help I have tried to work out a deal with them and they said they would rather have nothing than help me out.
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. This is over the statute of limitation for this debt to be collected on.

Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
hi, my name is XXXX XXXX. i went to the XXXX XXXX XXXX in late 2015, i got treated and i gave them my heath insurance before i got discharged which is XXXX XXXX XXXX. that insurance covers 100 percent so i was n't suppose to get any bill. one year later i get surprise i have a collection, i called the collection agency to get to the bottom of it, and the explain it was a bill from XXXX  XXXX XXXX i explained to the i had heath insurance i was n't suppose to get any bill, they said they cant help i have to talk to the hospital and get paper to prove that. which i did i explained to situation to the hospital that there something wrong as the hospital bill was paid from my insurance the physician bill was suppose to be paid as well, and they need to fix it, and give me the paper to submit it to the collection agency. which they replied they cant even access my account to know why they did n't charge my insurance back then, they do n't even know if it was paid or not, because they cant access it anymore. i asked for a paper to give the collection that said that they said they cant give me that either. i disputed with XXXX and they already removed, but XXXX and XXXX did do anything about even with my many calls and dispute to get it removed. I 've been dealing with this for so many months thrown between the hospital, debt collectors, and credit bureaux and no one wan na fix this.
I have checked my credit report be I notice there is a collection that I have been disputing for a while now and I have not got validation or verify documents that I requested it seems try been ignoring my request under law they are required to vetoed if not deleted from my credit report under section XXXX they need to verified who and when they verified the document