WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX 2015 I changed insurance co. I sent the refund I received from the old insurance co. to seterus. It should have been applied to my escrow, but was applied to the principle instead. I made my XXXX payment and for some reason that payment was put in suspense. My payments each month have all been jacked up ever since. I have called seterus I do n't know how many times trying to get this straightened out. I was told by more than one representative that they could see some crazy things going on and that I needed to send a letter to their correspondence department. On XX/XX/XXXX,2015, I sent a letter along with all statements that they have been sending me, a copy of my bank account showing where the payments were taken out of my bank and a copy of the newest ammitorization sheet ( which shows I might add that I have a surplus in my escrow account and am owed a refund of approximately {$1700.00}. ) All I have heard back from them was that they received my packet and were going to examine it. I am also set up for auto-pay in their system and since they have an issue with some of my payments being placed in suspense, the auto-pay is not taking my payments out. I was told by several different representatives that they would waive any late charges and the charges for paying by phone, since it was not my fault that auto-pay was not working. I have made each months payments and am not behind or late on any payments, plus they owe me a refund. Meanwhile I 've been receiving phone calls from them wanting payments that I have already made. I have documentation to prove all this, but it is in paper form and I would have to copy it and send it to you by mail.
I 've been trying to submit complaints to the credit bureaus about some inaccuracies that i 've seen on my credit report. This has been going on for about 6 months to no avail. The credit bureaus have been failing to investigate my disputes. Claiming they ca n't locate my credit file. I 've sent it proof of my idenity ( i.d . and social ) Also proof of my residence. I still have n't heard anything back from the credit bureaus. I 'm not sure what 's going on but i think it 's pretty unfair.

Credit Bureau Services # XXXX For one this company is not licensed to operate a collection agency in the state of Louisiana. Second, i am NOT sure how this company has access to my medical information. Under the Hippa law my personal information should not be shared. I Know i did n't give this company access to my medical information. THIS IS ILLEGAL!!!!

-XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Under the Hippa law my personal information should not be shared. I Know i did n't give this company access to my medical information. THIS IS ILLEGAL!!!!

-XXXX Credit Card Clearly this company has made a mistake. I have never asked for permission to be an authorized user on this card.

-XXXX XXXX # XXXX I have never done business with this company. Clearly they have made a mistake.

XXXX XXXX # XXXX I have never been contacted by this company nor have i done business with them. Clearly this company has made a mistake. Please remove.

-XXXX  # XXXX I have no idea what this debt is. Please verify this account or remove.

I know that mistakes happen but it should not happen at my credit 's expense
XXXX $ has been taken by PNC bank from me on XXXX XX/XX/2018. They also know that I have been a victim of fraud but they aren't helping in any possible way. I am an international student on loan and I have lost everything because of PNC.
After receiving a flood insurance payout from FEMA, Chase Mortgage seized our payment and required us to sign up through Insurance Claim Check to receive payouts. After months of being re-victimized by excessive regulations and paperwork, as well as a barely-functional website we 're encouraged to use, the work is done and we have moved back in, only because we were able to borrow money to pay our contractor while we waited for Chase/Insurance Claim Check. Our final payment requires a " 90 % inspection. '' I have been trying to schedule the inspection for a month. The maximum wait is supposed to be six business days.
Inspection scheduled online : XXXX/XXXX/XXXX Calls to customer service : XXXX/XXXX/XXXX ( inspection rescheduled ), XXXX/XXXX/XXXX ( told to wait one more business day ),  XXXX/XXXX/XXXX ( told an email would be sent to inspector ), XXXX/XXXX/XXXX ( told a personal email would be sent to inspector ), XXXX/XXXX/XXXX ( spoke with supervisor " XXXX '' and told that she would change vendors and call me personally on XXXX to make sure we had been contacted. I was never contacted by the inspector or XXXX XXXX, XXXX/XXXX/XXXX XXXX told everything would be done to make sure I was contacted in five business days.
Using Key Bank 's online portal, I performed a transfer of funds on XXXX XXXX, originating an ACH debit to XXXX of my checking accounts at another bank. Key ( Originating bank ) received funds on XXXX XXXX ( effective date ), which is the same date Receiving bank removed funds from my other account, but Key Bank still has n't made the funds available to me in the target checking ( as of XXXX XXXX XXXX. This is contrary to their disclosed funds availability disclosure and is an excessive delay for an electronic transaction. The bank has had my funds for over five days and has not made them available to me ( should have been on the effective date ). The branch tried to explain this had something to do with the bank holiday on XXXX XXXX, but that does n't explain why the credit half of this transactions originated on the XXXX does n't post for a full week. Key is always quick to post the debit half when it is the other way around.
I have contacted the bureaus and the company has as well. The company, XXXX has stated that per our agreement that the account were paid and have agreed to deleted those accounts from credit report
I have a collection account listed on my credit report by a debt collection agency RickArt Collections Systems collecting on behalf of XXXX XXXX. RickArt is not licensed to collect in the state of Florida and therefore I am disputing this collection account.
Dear CFPB I am trying to obtain a final modification but several banks have failed to file satisfaction of mortgages and it is having a negative impact on my ability to do so. 

XXXX XXXX XXXX XXXX a company acquired by XXXX in XXXX. I need a satisfaction of mortgage.
To put this in a nutshell on XX/XX/2018 I was charged two insufficient funds of {$34.00} each by Chase bank! I have three accounts that are co existent together ... .I had over {$29000.00} in one account and over {$2000.00} in another account! Why is Chase Bank so Greedy for money when in fact they are already making money and Good Money on a daily basis with the money that is sitting there in the other account ... .I made a mistake of not transferring some money over and they refuse to give me my credit for the NSF ! I feel like I have been violated and abused by this mammoth of a company that has no practical sense or do they care about there loyal customers!
Closed American Express account a few months ago. Have several return/credited items that posted after the account was closed and paid in full, for a total credit of {$260.00}. Have tried to get American Express to cut a check for the credit, but they have not cut the check.
I was 13 days late on a car payment, the company reprocessed my vehicle without any notification.
My husband had recently bought a XXXX XXXX XXXX for me to use XXXX XXXX took him for the loan. We gave a XXXX XXXX XXXX trade in and XXXX $ cash we paid 16 payments not one was late. He recently became a legal resident and we where told by our lawyer to report all the changes to social security, any financial places we owe money to to be transferred to his new social security and irs. So we did we contacting XXXX XXXX they changed all the information. We contacted safe one they werent able to since the XXXX XXXX was bought through them. There is XXXX XXXX I think he bought his truck here also and they couldnt change it eather. On XXXX XXXX XXXX XXXX repossessed the XXXX XXXX while I was at work. We thought someone stole it I called the police they told me no the financing company repossessed it. So we had to wait till Monday come Monday we contacted TD so they could tell us that my husband had gave information that didnt pertain to him. His elegal social security that irs gave us an itin number to use for it. So we where left without a car and he asked what is going to happen with everything we gave in for the car and the car payments they said you loose it. I know so many people this has happened to them and everything has been changed for them because we are trying to fix our wrong but i know that this happens to a lot of people too its not right. We are fixing our lifes and so big corporations can just keep our money??? I dont know what else to say I think this should not be happening to no one there should be some kind of protection for customers who want to buy things like this and then they just get taken for XXXX $ dollars later.
I opened an account with XXXX a few years ago. I then closed my account within the 14 day grace period and was informed I would not be charged. Many months later I decided to start working on my credit and noticed that I had debt in collections from XXXX collection agencies for XXXX. After finding it impossible to remove it through calling customer service on every end and no one seaming to have an answer, I just paid the debt and moved on. Now over a year later, I am once again being charged for the same " debt ''. As I have already paid over {$500.00} for a debt that was incorrectly charged to me, I decided to once again fight the charges. I have now been sent in phone call circles by all parties involved and am continuously hung up on, told they do not have records showing said information, and am told to call this company or go into the store or call the agency where I am then sent right back to the person who told me otherwise. Debt collectors involved are XXXX ( new debt account ) and Enhanced Resource Centers ( which is identified under abbreviation ENHANCEDRE and ENHANCRCVRCO ).
I have the following inquiries on my Equifax credit report that should be removed. I did not apply for credit with the following companies and some that are on my report are over 2 years old need to be removed : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX XXXX XXXX 13. XXXX XXXX XXXX XXXX 14. XXXX XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX 17. XXXX XXXX 18. XXXX XXXX XXXX 19. XXXX XXXX XXXX XXXX 20. XXXX XXXX XXXX XXXX 21. XXXX XXXX XXXX XXXX
I sent a dispute disputing this account and this company failed to respond within the 30-45 days time frame. I requested for proof of documents because this account was to be paid off in full and is still incorrectly reporting and hindering the growth of my credit score.. XXXX has not responded or provided any type of documentation supporting this account.

Also this account is reporting every month negatively on my report dropping my score.
After a dispute, XXXX XXXX XXXX verified incorrect information on my XXXX   Credit Report. In XX/XX/XXXX I first became delinquent on my XXXX XXXX Credit Card. The account was charged off in XX/XX/XXXX. Up until XX/XX/XXXX the account had the correct payment history and charge off date of XX/XX/XXXX reported on XXXX. 

I paid the account in full ( {$140.00} ) on XX/XX/XXXX. The next month, XX/XX/XXXX, my XXXX  showed that my XXXX XXXX Credit Card was charged off on XX/XX/XXXX. They reported the charge off again on XX/XX/XXXX. This information was false so I disputed it on both my XXXX report. The company then verified the false information and the dispute was closed. 

I wrote and called XXXX XXXX to try to get this false information corrected. I have received no response. I spoke with the credit reporting agencies and they said there was nothing I could do other than file a complaint.
Transunion had a nationwide system glitch during which all my credit inquiries were removed. Transunion failed to provide me a written notification of the glitch. Few days later all inquiries including some that I did not recognize were reinserted to my credit file without written notification. 
The law requires Transunion to provide a written notification anytime it encounters a system glitch. Transunion failed to do so. 
When contacted, transunion fails to own the responsibility and the representative is of no help. 
I would like transunion to remove all my hard credit inquiries as it has failed to notify me of the system glitch and reinserted additional inquiries that I do not recognize.
I SENT PAPERWORK TO CITIZENS. DUE TO IDENITIY WAS STOLEN AND THEY STILL CLOSED MY BUSINESS ACCOUNT.
Requested validation of 2 debts listed on credit report by XXXX XXXX. Also requested proof of legal permission to collect this debt from me. XX/XX/XXXX via eFax. 

According to the State of Tennessee, XXXX XXXX XXXX is not licensed to collect. 

License Details License Status Vol Surrender License # XXXX License ID XXXX Expiration Date XX/XX/XXXX Original Date XX/XX/XXXX Profession Code XXXX Profession Name Agency First Name  Middle Name  Last Name XXXX XXXX XXXX City XXXX XXXX State CA Zip Code XXXX XXXX XXXX XXXX XXXX License Activity Description Vol Surrender
Your office advised on  XXXX / XXXX /   17  that a missing items letter was sent on  XXXX / XXXX / 17 , which that letter has still yet to be received - we were told we had until  XXXX / XXXX /   17  to provide the missing items which were 30 days of consecutive paystubs - we were told today  XXXX / XXXX /   17  that the file is complete and those docs needed were in fact received on  XXXX / XXXX /   17  as stated in the missing items letter - today  XXXX / XXXX / 17  we were advised that the file is complete but the review would not be completed and the sale would not be postponed for the review because it was to close to the sale date of  XXXX / XXXX / 17  - this file is being deemed complete in accordance with your missing items letter, therefore the file 's review should be completed in accordance with RESPA and you r OWN  missing items letter.   Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the required notice of additional required documents w ithin five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). Please suspend foreclosure during this appeal in accordance with Regulation X, 12 C.F.R. 1024.41 (  g ).
XXXX XXXX XXXX reported that on XX/XX/XXXX I owe XXXX ; however, when I called them they said it was n't my social security number, nor my address. But they sent me a credit fraud report instead of just removing the item. It was n't credit fraud, it was an error on their part, or XXXX part. I could n't fill out the form they sent since I do n't know who is responsible, or if it was fraud at all beyond their own clerical error. I tried to call XXXX, but they were no help at all, and they said they could n't remove the information.
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
CCS companies called for XXXX XXXX regarding my estranged daughters bill. Lady was very rude & at first would not tell me who the bill was for.rude lady kept telling me that I would pay the bill & I had no choice at the beginning she would n't tell me who the bill was for or what the service was for. I told her she could send me a bill so I could see what service I had & she said it was to late for that & then my husband took the phone.XXXX told me that I am not responsible for her bills even on my insurance. I keep her on it just as a responsible patent thing to do. She has n't had contact with us in almost 2 years.
I have been trying to fix this problem since XXXX, but the credit bureaus just go by the word of the Creditor. I reported to the bureaus that that account is not mine because it could n't be my signature because I was fresh out of the hospital from my XXXX and unable to sit up let alone write. I want to see that paperwork with my so called signature to prove that it 's not me. I have the right under the Fair Credit Reporting act to ask and get a copy of The contract with my signature.
On XX/XX/XXXX I was told that I was approved for {$8900.00} on Amex Everyday Credit Card and that no reallocation of limit would be processed unless I initiated the process once I received the card. I was also told that I could process a balance transfer of up to {$5000.00} so I did and I transfered {$2500.00} from my XXXX  XXXX XXXX and {$2500.00} from my XXXX XXXX XXXX. I was instructed that the transfers would take 10 days. 

On XX/XX/XXXX I noticed my credit limit on my Amex Blue Cash Everyday card which I've owned since XX/XX/XXXX had been reduced by {$6900.00} and had now a limit of {$8100.00}. I called in to inquire as to why this had happened representatives told me that the limit was relocated to my new card in order to match my initial approved amount of {$8900.00} on the new Amex Everyday Card. The information that was given to me at the application was misleading and deceptive since I was told no reallocation would be processed unless I initiated the process once I received the card and I was offered to transfer of up to {$5000.00} in balance transfers on a card that supposedly was only approved for {$2000.00} this to me is a bait and switch technique. I was then connected to a Credit Reallocation specialist which offered multiple times to reverse the reallocation to which I declined multiple times stating how important those balance transfers were to me and the importance of having enough credit limit to cover them. The desired resolution that I offered was to have a specialist call me back to honor the initial approved amount of {$8900.00} on the Amex Everyday card without the use of relocating or having to do credit limit increase since the mistake was not mine. A callback was scheduled but I never received a call.

On XX/XX/XXXX I received an email stating the my balance transfers were declined to which I called and was told that there wasn't enough credit limit on the card to process the balance transfers and to call back on monday since there was no specialist that could help me at that time.

On XX/XX/XXXX I called and no specialist would assist me stating that they could only process a reallocation of limit or a credit limit increase to which is not a reasonable resolution from a consumer standpoint when facing a clear violation of the UDAAP. The representative offered a call back from his supervisor next day to provide a resolution but no call was made. 

On XX/XX/XXXX I called back to initiate an investigation on the violation of the UDAAP since at this point im receiving substantial injury do to the fact that i'm stuck paying unnecessary interest on the other cards since the balance transfers where supposed to process on XX/XX/XXXX. Relocating and reducing the limit on the card did not outweigh the benefits. This was also not reasonably avoidable to me since I reasonably relied on the initial approved amount of {$8900.00} to process these balance transfers. A call back from a supervisor was scheduled but was never received.
I have been in a constant struggle with Navient in reference to my astronomical student loan debt. I have been paying since XX/XX/2011 and have had problems at every juncture with this company. I can not begin to explain the stress, aggravation, and complication my mother and I have experienced with dealing with Navient. There has been instances when customer service representatives provide the wrong information, place is on long holds then disconnect the call only to repeat the call process sometimes three or four times in order to speak with a customer service representative. Furthermore, the money allocated has never been allocated properly. I have also not been able to pay XXXX a month and have taken forebearances. That only makes matters worse and increases your payment after three months. All in all I have been screwed by Navient from the start and someone needs to hold them accountable for there terrible customer service, there unforgiving mistakes that have caused me and my family stress.
To Whom It Concerns, On XX/XX/2018, Experian completed an investigation that I initiated in reference to inaccurate accounts on my credit report ; please reference Experian report # XXXX. After reviewing the results of this dispute, I saw that they failed to complete a full and complete investigation as instructed by law. Had they done this investigation and not used their " E-Oscar '' automatic system, they would have easily discovered that my dispute was valid ; as a result, I now demand that they provide me with ALL information, documentation, and contact numbers, etc. that were used to conduct their investigation. As per law ( Fair Credit Reporting Act ), I have a right to demand this information and I expect their full compliance with my request.
I have a loan with FRD MOTOR CR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and FRD MOTOR CR  with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX XXXX / XXXX and XX/XX/XXXX.
I signed the lease   XXXX   XXXX   XXXX   I looked at the apartment it was not ready to move in, I was assured that all the issues would be taking care of ASAP. She call me   XXXX   XXXX   XXXX   said that they would be painting the apartment and taking care of the filter and the door. I just back every day and every day they assure me it will be taken care of the next day. On   XXXX   XXXX   XXXX  , I send a notice to vacate because the  apt was  not ready for me to move in. I returned all keys and parking passes. I never received a copy of the lease and every time  XXXX   XXXX   XXXX  went to sign the lease the property manager was not there.   On   XXXX   XXXX   XXXX  , I get a called from the property  manager  stated that I was being evicted for non-payment of rent. I explain to her that I did not live there and sent her all the documents and email her and ask to take care of this.   Then on   XXXX   XXXX   a collection show up on my credit reports from FAIR COLLECTIONS AND OUT  XXXX   XXXX   XXXX   XXXX   XXXX , MD  XXXX  (  XXXX  )  XXXX  {$4900.00} I contact the company sent all my information. Then they just sent me an email stating that the property manager stated that I did not notify them until   XXXX   XXXX   XXXX  , which you can see was not true.