WillisBack/dataset-financial-user-claim huggingface dataset:
In the years XXXX there were four cases in which I attempted to file for bankruptcy. The cases were all dismissed. I was having trouble with my husband and property we had together in which it financially draining to me. During that time we attempted to file, but never had the proper paperwork to get it started. It never went to court, a case was never filed. Nothing. Since XXXX I have attempted to write XXXX and have them investigate and have this deleted off my records. After reading the FCRA I found that they were in violation, because they were reporting something inaccurately. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they had no right to maintain information which the government has deemed nonexistent.
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they were obligated to delete this information from my credit report and send me an updated copy when this action is completed. 

I wrote them and made them aware of this information and they blatantly ignored my request. I even provided them documentation that the bankruptcies were dismissed. Again, nothing. They were kind enough to send me a new copy of my report that stated that they would be keeping the bankruptcies on my report. 

I am filing a complaint because they are going against my rights as a consumer.
I was unable to make a few payments on- time to capital one due to being unemployed and having a financial hardship at the time. I contacted Capital One with a Goodwill letter to remove the late payments and they were not willing to change the status. I have been a loyal customer to Capital One since 2015.
They call me twice a day everyday of the week. I have told them do not call me and send letters to me in postal mail. They have demanded me to give them a debit card info. And or credit card over phone to pay a payment. I told them no I will not give any info. Over phone. They refuse to send me anything in mail. They are harassing me everyday.
After making arrangements with Midland Funding LLC to pay a monthly payment of {$65.00} in 2013 three years later the company went im my bank account and withdrew three payments of {$75.00}, {$120.00} & {$2000.00} without my consent, there was no notification from anyone one concerning this matter.There was no contact from them as it regards to cautioning, additional arrangements or any other resolution.
I have an interest only home loan that was to convert to principle and interest. I called in the past and was told the conversion date would be for the XXXX 2016 payment. I paid the normal payment amount in XX/XX/XXXX and apparently the information I had been given in the past was incorrect and my payment increased from approx {$2800.00} to {$3700.00}, a $ XXXX increase. I was not called and told that the normal payment was insufficient. I had no prior notice of the cost increase. Now, I am trying to pay the XX/XX/XXXX deficiency and the XX/XX/XXXX payment and I am unable to make a payment online or by telephone. I am going to be reported as delinquent and I do not think I should be since I was given incorrect information and no effort was made to reach me before the implementation of a late charge for the XXXX 2016 payment, let alone before the payment because delinquent due to the shortage amount. Clearly, there was a miscommuniciation on the amount due since I paid the normal monthly payment timely. I ask that they not report me as delinquent for XX/XX/XXXX as a result. I also ask that they not bar people who are delinquent from paying online or by phone. You say I 'm late, but wo n't let me pay? That is crazy. I also think it is terribly unfair given that I 'm supposedly 40 days delinquent and have n't received a single collection call to tell me so? This is especially hard to accept when I clearly paid the amount I normally pay - obviously this was a mistake. The risk of payment shock alone should have put XXXX on notice that extra attention should be paid to loans like this in its portfolio. It is terribly unfair and their prior discussions were very deceptive as to the payment date change. The key result desired, however, is for them to take the payment due and NOT report my account as delinquent. I am selling the home ( b4 XX/XX/XXXX for the sole purpose of avoiding the higher payments ) and buying a new loan and this will cause me great financial hardship in that I may not get my loan or it will be on much less favorable terms than have currently been made available.
I opened an account with XXXX dollars with first national bank of pennsylvania. After 1 day my online access was cut off due to me living outside of their traditional service territory. I called their customer service 3 times and the first 2 times i was told an online rep would call and reach out to me which never happened either time. Afterward, i tried to close the account out and they told me I have to do it in person. I live XXXX miles away and can not go into a branch and they wont do anything for me.
TransUnion has had my account frozen and ... '' In Dispute " ..for over 4 months. I can not even get a response. I am on hold till they obey the law.
We have been paying into our escrow per our payment plan. We received a letter in the mail today from the Fiscal Officer County Of XXXX XX/XX/2018 that our taxes have not been paid and that our house is subject to foreclosure on XXXX.There is plenty of money in our escrow account. Wells Fargo failed to pay our taxes from escrow for the first half of 2018. 

I have contact the company today XX/XX/2018. They stated there is nothing they can do until Monday XX/XX/2018 when a case can be open. I spoke to XXXX XXXX at the Executive Office.I also spoke with XXXX and XXXX during this call. We will be faxing this information in tomorrow morning for written confirmation.
Your response to XXXX indicates that the {$2000.00} was for XXXX and XX/XX/2018 were delinquent! Claiming you did not receive my mortgage for those months. I mailed and faxed to your office in Oregon after receiving the threatening letter to pay {$2000.00} or my loan would accelerate? Of course, no one EVER received any faxes or mail forcing me to pay the {$2000.00}. I have attached my BANK proving AGAIN that XXXX and XX/XX/2018 mortgage were paid ACH! 

I want my {$2000.00} back! NOW this clearly indicates that the mortgage was paid in full {$1100.00} for XXXX and XXXX leaving my account OVER paid with money I borrowed and I want it ALL returned as it is not yours! 

This is not how professionals handle money! I have sent this also to Washington showing them that this account is paid and was paid in FULL when you threatened to accelerate my loan! An Audit on this account would show overpaid! The money you demanded ( that was not owed ) was paid by a cashiers check and I have proof it was cashed! 
IF I do not receive in full I will take this further since nothing is happening this route. 

XXXX XXXX # XXXX
There has been an ongoing issue with misinformation, lying, lack of details, delays of when things would be done, delay tactics of changing relationship managers, personnel not returning phone calls, etc. with my modification on home mortgage with US Bank. Absolute horrendous experience from the start. Was told by US Bank that process to final modification would be 30-45 days. That was XX/XX/XXXX, it is now XX/XX/XXXX and I am still not at the final process. This time they are blaming it on waiting for HUD for a variance.
I received an original medical bill of {$570.00} from XXXX XXXX ER. AMCOL collections then acquired that debt, but issued a collection to me for {$570.00}. I had already paid the {$570.00}. I have documentation to prove this. I spoke with them on the phone about this and they confirmed that I did pay and that I am right. AMCOL is still reporting this debt on my credit reports, even though it is paid off.
-I had a 36 month auto lease from XXXX XXXX XXXX that ended on XX/XX/XXXX. -The last payment was made on XX/XX/XXXX. 
-The vehicle was returned and was showed as paid off in full as of XX/XX/XXXX. 
-Then I receive a notice on XX/XX/XXXX saying that my credit score dropped 97 point due to a 30 day late notice from XXXX XXXX XXXX. 
-I then contacted XXXX XXXX XXXX on that same day and spoke to a XXXX XXXX . XXXX said it was a mistake and that they would send a letter to all 3 credit bureau 's stating that I was in good standing as he also sent me the letter that was sent to all 3 bureau 's. He stated that it could take up to 45 days for the credit bureau 's to respond and fix the mistake on my credit file. 
-XXXX and XXXX fixed the mistake on my file within the 45 days but Experian did not. 
-I then called Experian on XX/XX/XXXX and they told me that they did not have any documentation on file from XXXX XXXX XXXX and that I would need to file a dispute with them and that it would take 30 days for them to remove the late notice on my report if XXXX XXXX did not respond to Experian 's inquiry relating to the 30 day late notice. 
- I then called XXXX XXXX, at XXXX XXXX on XX/XX/XXXX and told him that Experian did not recieve the letter from them and that they are going to put it through there system and that it would come off if XXXX XXXX would respond to the dispute. They then looked into it for me and then responded back later that day and said that experian never posted anything on regarding my situation. 
- I then called Experian back several times and they just keep telling me that there isn't anything that they can do and I just need to wait until the 30 days are up which I was going to do until I found out that the 30 days didn't start until XX/XX/XXXX and not XX/XX/XXXX. 
-This entire situation has been a financial hardship and nothing but stress since I am going for a mortgage and will either get rejected for this loan or will have to pay for a much higher interest rate then I should get from them if my credit score was correct.
I applied for a {$500.00} loan on XX/XX/XXXX. My payments started on XX/XX/XXXX, I paid {$130.00}, XX/XX/XXXX, {$130.00}, XX/XX/XXXX {$130.00}, XX/XX/XXXX, {$130.00}, XX/XX/XXXX, {$130.00}. I skipped the next payment. I paid another payment on XX/XX/XXXX, and my last payment was on XX/XX/XXXX. I paid a total of {$910.00}. Every now and then I would call and check my balance which seem not to be decreasing at all.. Loan at last has been reaching out and I told them I was not going to pay anymore money. They offered me a settlement for {$470.00} and I could pay {$150.00} in installments and the account would be closed. I fell as though they have gotten their {$500.00} back already. 

This has put me behind on my bills and now I am trying to play catch up.
In 2006, Loan with XXXX was paid to school and refunded due to dropping classes. Then XXXX XXXX paid loan to school again even though I dropped the classes in accordance to school policy and should have been refunded 100 % for semester. Both refund and re-payments to school occured on same date ( XX/XX/2006 and XX/XX/2006 ) Total of {$3200.00}
I applied for a bank account with XXXX  on XXXX XXXX and was declined stating there were discrepancies on my XXXX   report. I knew that had to be an error because i filed for bankruptcy and every creditor was ordered by the judge to CEASE AND DESIST. I filed chapter XXXX bankruptcy with case XXXX  FL on XX/XX/17 and the case was discharged in XX/XX/2017. However, XXXX XXXX  is STILL REPORTING EVEN AFTER MY BANKRUPTCY. Each creditor is subject to up to {$1000.00} fine for violation of fair credit reporting act. Chapter XXXX   bankruptcy discharges all debt!
Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by SYNCB/CARE CREDIT XXXX XXXX XXXX XXXX, XXXX FL XXXX, on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.
I received multiple overdraft and return fees when the bank accepted automated transactions that I clearly did not have the funds for, instead of stopping them from going through. Now I'm penalized because Bank of America doesn't know how to say " no ''. 

XX/XX/XXXX- original balance {$1100.00} rent transactions {$920.00}, {$450.00}, {$1.00} = - {$260.00} overdraft fees {$35.00}, {$35.00} = - {$330.00} XX/XX/XXXX XXXX transaction {$11.00} = - {$340.00} overdraft fee {$35.00} = - {$380.00} maintenance fee {$12.00} = - {$390.00} XX/XX/XXXX- XXXX deposit {$46.00} = - {$340.00} XX/XX/XXXX XXXX  transaction {$130.00} = - {$480.00} XXXX transaction {$9.00} = - {$490.00} return fees {$35.00}, {$35.00} = - {$560.00} XX/XX/XXXX- XXXX return {$130.00} = - {$420.00} XXXX return {$9.00} = - {$410.00} XX/XX/XXXX XXXX transaction {$130.00} = - {$550.00} return fee {$35.00} = - {$580.00} XX/XX/XXXX XXXX return {$130.00} = - {$450.00} XXXX  transaction {$9.00} = - {$460.00} return fee {$35.00} = - {$490.00} XX/XX/XXXX- XXXX return {$9.00} = - {$480.00} XX/XX/XXXX- fee refund = - {$410.00}
I bought a car from XXXX and their financial lender CNAC in XXXX MO my cosigner has near perfect credit score and my interest is 28 % I have asked to be refinanced but my loan company does n't do that. I 'm gon na pay over XXXX for my car that is only worth XXXX I went to a bank to try and get refinanced and she told me to complain to you guys so they can be investigated because they way CNAC did me was way wrong!
account was initiating an automatic payment and they did not process the payment on time then i pay over the phone to put the account on time.
My credit card account ( account ) had a statement balance amount of {$440.00} dated XXXX XXXX, 2016 due on XXXX XXXX, 2016. 

Prior to XXXX XXXX, 2016, the payment due date, my account was posted with XXXX credits for returns which totaled {$480.00} With the total credits from returns of {$480.00} exceeding the statement balance amount due of {$440.00} by {$38.00}, it appears to me that I did not have to make a payment and I did not. 

Unfortunately, my account was assessed with a late payment fee of {$25.00} for not making a minimum payment. The explanation I got on the phone from the credit cad provider was " credits do not count as payments ''.
A debtor called me from Dynamic Recovery Solutions by the name of XXXX XXXX, and threatened me about a debt from XX/XX/XXXX. He stated my last payment was XX/XX/XXXX, and when I stated that I became unemployed shortly after that, and currently pay too much in student loans to handle any additional payments, he began revealing personal information. He literally threatened my credit and adding it to my credit history as he said " I see you have good credit right now, you have a couple of student loans, and it seems like you would n't want this held against you, but I can see you just do n't want to settle your debt. You are still being held responsible for this debt. '' I explained that I know my rights and it has been over seven years and he can not sue me or threaten my credit as it is past the statute of limitations, at which point he backtracked and continued to make back handed comments and insinuate that they would damage my current credit.
On XXXX XXXX, 2015 I XXXX XXXX XXXX XXXX, XXXX XXXX Veteran filed an Mortgage Application with the Navy Federal Credit Union, to-date I 've not received a call or letter as to the status of my VA Mortgage loan application. My mortgage loan representative 's name is XXXX XXXX, my loan application number is XXXX. I 've called and called and left message for XXXX XXXX at XXXX ext. XXXX to no avail. I 'm a XXXX veteran and an American with XXXX, I 'm filing complaint with HUD at XXXX ext. XXXX and XXXX ext. XXXX for discriminatory Practices and I 'm asking that they investigate this matter. Also I 've contacted the Feds Adult Protective services at XXXX. Lastly I 've demanded that the Navy Federal Credit Union complete an supplement and or re-scoring of my credit score do to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX at XXXX compromising, changing and falsifying credit scores with XXXX, XXXX and XXXX. I 've spoken with XXXX XXXX with Navy Federal Credit Union my loan officer, and I 've spoken with their Reporting Agency, XXXX, an XXXX XXXX regarding the Fraudulent false reporting imposed by XXXX, XXXX and XXXX attempts implemented by these REPORTING AGENCIES by sabotaging my credit rating by refusing to make the necessary correction to my credit report after submitting evidence to their reporting agency, XXXX. I 'm taking this fight public due to my XXXX and race with gainful efforts of exposing Discriminatory Practices by Navy Federal CREDIT UNION, and I want give up, thanks! CFPB I look forward to working with your Federal Agency.
XXXX sent me a notice months ago that they are going to discontinue my XXXX XXXX credit card that I have through XXXX. The notice said that I would be getting a Citi Visa credit card as a replacement for the XXXX XXXX card. I then contacted XXXX and told XXXX that I did n't want there Citi Visa card. They told me to contact Citi when the Citi Visa card was delivered to me. I was told by XXXX that I could n't decline the Citi Visa card that I did n't want in the first place. The card recently came in the mail. I called XXXX, Citi Visa, and XXXX XXXX. I was told by XXXX that I could contact XXXX XXXX, cancel my XXXX XXXX XXXX card now ( before XXXX/XXXX/2016 ) and that the Citi Visa card would never be activated, and that I would not lose and accumulated XXXX XXXX rewards. When I called XXXX XXXX they said that I would in fact lose all accumulated reward points unless I waited until XXXX/XXXX/2016 and allowed the Citi Visa card to be activated. I do not believe that I should be forced to open a Citi Visa account that I never asked for, that I have tried every way possible to decline, and be subject to forfeiting accumulated XXXX XXXX rewards.
In XXXX, 2015 XXXX. After the XXXX, I was XXXX not quite myself. Somehow I overlooked a payment for my XXXX mortgage and paid it one day after the thirty day deadline. I am working very hard to maintain good credit so that I can refinance my home. However, PNC Bank, my XXXX mortgage, would not remove the delinquency from my credit report, even though this was a circumstance I could not help. I tried calling them twice and writing them twice as well, but they would not listen to my appeal. Please advise me of my options.
My mortgage servicing company escrowed too much money from my mortgage payment to cover home taxes owed to the city. Escrowed {$5500.00}, acording to box 11 of the XXXX from my mortgage company, when only required $ XXXXI 'm faxing to Mortgage servicing company statement from city tax collector indicating this fact and I'm requesting a refund of difference of over payment. I would like a review of past statements to see if previous years had discrepancies also.I 'm in the process as I write this complaint of faxing info as I've had disputes in the past with refunds with one dispute where I've had to seek the help of an attorney to resolve for which I wasn't totally satisfied after.This mortgage company has, with me, a history of confiscating money from me and leaving me bewildered as to what happened and why ... I'll attach statements..I do not trust this mortgage company to be fair.
Experian refuses to remove 90 day fraud alert placed on my report on XXXX WITHOUT my authorization. As of today XXXX, past the 90 day period, company STILL refuses to remove expired alert. This qualifies as defamation
Pennymac wrongfully denies my loan modification based on my race and decides to use the typical standard statement they tell others stating claim my debt to income ratio was high. Well thats totally un-true and Ive provided plenty of evidence showing the expenses related to the house which will show my expenses pretty much totals or exceeds my income. My mortgage shouldnt have been more than {$1500.00} but of course, I got ripped off by XXXX XXXX XXXX and now Pennymac. I put 20 % down and still Im paying Mortgage protection insurance which doesnt benefit me at all. I demand a modification or Ill never stop complaining and making accusations..
XXXX we tricked in refinancing our mortgage muly mother and father are foreign so they barely understood the terms that the wachovia rep was telling them.they said if we had refinanced with wachovia which is now well fargo we would get {$27000.00} check.so my father decided to refinanced with wachovia because we needed money at that time to do some renovations through the house. One month later when i called XXXX XXXX XXXX or who over got my father to sign those papers said that we would get NOTHING IN RETURN.WE ALL SAT THERE SO SHOCKED AND DISBELIEF THAT WE WERE TRICK IN SIGNING OVER TO WACHOVIA TO GET XXXX FOR NOTHING WE WAS PROMISED THAT WE WOULD. Ok now we sign in not knowing it was an adjustable rate mortgage now ANOTHER PROBLEM. Now we heading to foreclosure around XXXX and i just started college and i had to look for an foreclosure agency to help us ..oooo the XXXX had just begin from always missing document and they never recieved thos and that.so now after a year we got a modification but now switch to well fargo so we thought this would be goood EXCEPT ITS AS IF WE JUST PURCHASE THE HOUSE BRAND NEW WE HAVE BEEN LIVING IN THAT HOUSE 16 YEARS AT THAT TIME BASICALLY WE GOT RIPPED OFF.NOW NOT ONLY WE PAYING AS IF WE BOUGHT THE HOUSE OUR MORTGAGE PAY OFF IS XXXX WHICH DOES NOT MAKE SENSE IF WE REFINANCE A 30 YEAR MORTGAGE IT SHOULD BE XXXX IF ITS STARTING IN XXXX BUT THEY PUT XXXX XXXX FAIRLY CONFUSED WHY IS IT XXXX IF ITS 30 YEARS PLEASE HELPPPPPPPPP BECAUSE WE ARE DEFINITELY GETTING RIPPPED OFF BY WELL FARGO BIG TIME
The purpose of this letter is to file a complaint against Wells Fargo Bank for an unfair, abusive and deceptive act and practice associated with the up charging of rate lock loan discount fees from the time it was disclosed on the initial loan estimate to the time I received my closing disclosure. There was no additional credit risk taken by the lender at closing and certainly no reason to charge me a higher discount fee. 

My understanding of an interest rate lock is that the interest rate and loan fees or discount fees are locked for a period of time ( 60 days in this case ) based on the loan amount and type of transaction requested. 

I will attached a more detailed letter of explanation when prompted.
Macys American express credit card through Citi Bank has personally disclosed my information to un authorized callers. This company has mistreated me & my information in several ways. Citi bank has participated in Illegal business practices towards me personally.