WillisBack/dataset-financial-user-claim huggingface dataset:
Please refer to CFPB complaint number XXXX & XXXX The issue has been corrected to some extent. Now the issue is that both Escrow History and Payment history are missing the payment activity date of XX/XX/2018 only. 

In the " year to date selection '' for both payments and escrow history the date of XX/XX/2018 is completely missing. 

In the " last 6 months '' & " date range '' options the date of XX/XX/2018 is not missing. 

Please see attachment for more details. Thank you Note : I have been in contact with a CitiMortgage rep by the name of XXXX XXXX @ phone number XXXX
XXXX XXXX has reported to credit rating agencies that I had late payments for a credit card account that I did not know existed. 

In XX/XX/XXXX, I bought 2 pairs of pants for {$74.00} at XXXX XXXX. At the checkout counter, the cashier asked me if I wanted to get an XXXX XXXX card which I thought was a Rewards Card ( not a credit card ). I said OK and then was asked to provide my XXXX XXXX card and I assumed that the purchase was going on my XXXX XXXX card. 

I never received an XXXX XXXX credit card and I never received any bills from XXXX XXXX 

In XX/XX/XXXX, XXXX XXXX  sold the account to another lender. 

In XX/XX/XXXX ( over 9 months later ), I first became aware of the XXXX XXXX credit card account when a copy of the XX/XX/XXXX bill was provided to me by the lender that purchased the account. I immediately settled the account in full with the new lender. I also observed that the copy of the XXXX XXXX bill had an incomplete address which is the likely reason that I never received any bills from XXXX XXXX. 

On XX/XX/XXXX, I began the application process for a mortgage on a condominium purchase and was shocked to learn that my credit report contained a number of negative items such as late payments and charge off status. These items were all from the XXXX XXXX   credit card account that I never knew existed. I have always prided myself in paying all my debts in full before their due dates and was expecting to see this reflected in a strong credit score. Instead, the XXXX XXXX credit information has negatively impacted my score in a significant way.
When 1st contact by them on XXXX called back and ask them not to call my cell phone number and used a XXXX number to call me and call again today XX/XX/2017 on my cell phone again.
THE DEBT THAT IS OWED IS NOT MINE. AT THE TIME OF SERVICES THEY ARE STATING I NOT ONLY HAD INSURANCE ( MEDICAID ) BUT I WAS NOT THERE I HAVE CONTACTED THE COMPANY AND THE HOSPITAL AND THEY SAID THEY WOULD LOOK INTO IT AND I ASKED FOR PROOF THAT THE SERVICES WAS MINE BY ANY PROOF A SIGNATURE OR A PHOTO ID AND THEY HAVE YET TO GIVE ME ANY PROOF
I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. A letter was mailed to Experian on or around XXXX/XXXX/15. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On XXXX/XXXX/15 I received a notice from Experian stating the following : '' We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX ( XXXX ) XXXX to speak directly to an Experian consumer assistance representative. " However, an Experian confirmation number was not even provided on this notice. I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns!
Dear Lender, After doing research regarding Internet payday loan laws in the State of Washington, I have found that your Internet payday loans are actually illegal. I have been in contact with Washington State Department of Financial Institutions and they have verified that your company is not licensed in Washington, therefore the loan contract I have with you is not valid. Although I am not legally required to do so, I am not willing to repay the principal balance of this loan, I received a deposit of {$750.00} on XX/XX/2018. The amount on the loan agreement is incorrect. It has the amount of the loan as $ XXXX.Which is not what was deposited into my XXXX XXXX XXXX XXXX account . falsifying a document is a crime punishable as a felony.
I 'm writing because I have paid this debt, and it is still showing on my credit report. They wrote the letter that said payment was received and it was paid in full. Payment was received on XXXX /XXXX /2016. Why is it still showing on my credit report please remove it thank you.
I purchased a rifle from XXXX, an online store based in XXXX Virginia and owned by XXXX. I paid {$1600.00} via Wells Fargo XXXX, a wire service, to XXXX on XX/XX/XXXX. XXXX is registered to XXXX XXXX XXXX VA XXXX XXXX. I called or emailed every few weeks since I ordered it and was told it was on back order and would ship when it came in stock. To date, I have not received my order. When I checked on my order on XX/XX/XXXX, I found out the website is down and the phone number is out of service. I paid using Wells Fargo XXXX which is a wire transfer service. I have no way of requesting a refund and think this was a scam to fleece people across state lines. When I look up the google reviews now there are XXXX posting of other people that he stole money from as well. I am sure there are others. XXXX is also listed online as XXXX XXXX was also the creator of LendingShares which became XXXX shares. This company was a crowdfunding platform that existed without XXXX oversight and existed for 3 years before becoming defunct. I believe that XXXX is a serial scam XXXX who creates companies and bilks consumers and investors out of money, then closes the company and eliminates all means of contact. 

The website was : XXXX The Secretary of State Filing can be found here : https : XXXX The Test Store Website is still up with last contact information and a photo of XXXX can be found here XXXX XXXX/ XXXX Facebook page can be found here : XXXX : //www.facebook.com/profile.php? XXXX The owner of the business address is XXXX his phone number is : XXXX. They said he has vacated the premises, but still stops in weekly to pick up mail. XXXX most recent phone number they have on file is XXXX. 

Whitepages lists the home address for XXXX as : XXXX XXXX 
XXXX VA, XXXX The owner of the home address is XXXX XXXX XXXX FL XXXX Police Report Filed XX/XX/XXXX XXXX XXXX Police Department XXXX # XXXX XXXX Police Report Filed XX/XX/XXXX XXXX Police Department XXXX
A copy of the email I sent to Money Source and as of this writing, I have not received a response. 
Is it legal to add more $ $ $ to the property tax for escrow when the property tax did not go up and the amount was correct on the final docs? When prior to refinance all the amounts were correct but after refinance the amount is not correct. My property taxes are {$4500.00} for the year. 

Spoke to a representative on the XXXX XXXX, 2016 who said the amount will be adjusted to reflect the correct amount of property taxes being for escrow. When called today the representative stated someone overrode it. 
I refinance in XXXX 2016 with the same company, TheMoneySource. 
Below reflects prior to XXXX 2016 and now : 3.875 %. 3.25 % Principal {$580.00}. {$570.00} Interest. {$1100.00} {$950.00} Escrow. {$660.00}. {$890.00} Total. {$2300.00}. {$2400.00} Final docs : See attached few pictures There are XXXX pages with different figures for the estimate which I asked the notary and since the correct amounts were on other forms of the documents she figure it was a mistake Ridiculous. Instead of more money going to principal someone added it towards my escrow ( taxes and insurance ) and my taxes did not go up. I 'm paying more
I am getting calls from this company, I am not the party they are trying to reach. They keep calling even though I have asked to be removed from their call list.
This company ( Capio Partners LLC ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$150.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Section 7-4-2, subsection B ( 2 ) of the Georgia Code states : Where the principal amount involved is {$3000.00} or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money A loan provided to me by XXXX XXXX XXXX, funded XXXX2018 in the amount of {$600.00} was made at a significantly higher interest rate. I have also discovered that Spotloan is not licensed to make loans in the state of Georgia.
I have not owned an XXXX XXXX XXXX phone for more than 20 years. This collections shows an age of less than 4 years. It was paid more than XXXX decades ago - the collection keeps getting sold to another collection agency, who changes the open date & it starts all over again.
I attempted to send monies to my nephew for XXXX on XX/XX/XXXX for {$500.00}. the monies never reached the account I sent it to and I never got the monies back into my account. I have attempted on numerous occasions to contact their wire transfer department and got no resolution for my complaint. Wells Fargo never informed me that there was an issue and that monies was never received. I have gone into the bank now since XX/XX/XXXX and have not gotten an answer as to where the funds are and why they have not been replaced back into my account. I have met with a bank manager who is not getting the correct answers to my questions nor has he been able to find out how I can get the funds returned to me. It is now XX/XX/XXXX, I returned to the bank today and have not recieved the funds into my account nor have I gotten any action as to Wells Fargo 's attempt to return the funds. Every time I go in and speak with someone in the bank they make a phone care to XXXX and nothing gets done. Funds are still missing from my account
RushCard ( UniRush, LLC, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX ) was going through a tech update. During this process, the entirety of cardholders ' accounts were unavailable for a few hours, which is understandable. However, now, 2 weeks later, a lot of cardholders ' accounts are still unavailable and people are unable to access their account ( some reporting that RushCard is unable to even locate their account ), others reporting that they had funds in their account and now the funds are missing or gone and RushCard has no idea where they went to. I personally was not affected for any type of direct deposit or card-to-card transfer or anything of the sort, but I DID have funds and felt unsafe at loading my card for fear of not being able to acccess the funds. I am reporting the aforementioned entities as fraudulent ( not a scam ; I 've been a loyal customer since 2009 and nothing like this has ever happened ) in the way they handle business. Some cardholders are even reporting that customer service representatives are even taunting them, claiming they got their funds on their cards from RushCard, yet people who are working and things have n't. It 's quite disheartening. Some are reporting that RushCard ca n't even locate their accounts, as if they were never a customer to begin with. Some say they call and are on the line for quite an extended period of time, while others are simply hung up on and have to call back, making them feel hopeless. Some have to go to other banks to take out loans, others going to payday loan places so they can pay bills and provide food for themselves and/or their loved ones, gas for getting to and from work, etc. XXXX cardholder claimed she received a phone call from RushCard stating they are " investigating accounts XXXX by XXXX '' and she will have to wait to get any of her stolen money back. She asked the RushCard customer support representative " how do I eat in the mean time '' and the rep said suggested her " local church or soup kitchen. " I have no idea what the majority of these cardholders are facing and it sickens and disgusts me that RushCard would do this and say things of this nature to cardholders, working-class people and people who receive a monthly check, some still waiting for it to deposit. 

How are people supposed to live and survive like that with a company who does these types of things? How are we supposed to entrust our funds and account information to a company, while having a nice record previously, now has XXXX that is quite less than stellar, and expect to be ok with this? I 'm only speaking on my behalf with examples in the text here. I do hope something comes of this because I, for XXXX, was completely thrown by this. I 'd always trusted RushCard, but not now. I am also hearing reports of RushCard funding people {$25.00} or {$75.00} or such for " system outage '' fees. I suppose this is hush money or to keep them from filing? No idea. 

Whatever the case is, cardholders are fed up and we need and demand action against RushCard and its subsidiaries. 

Thank you for reading.
On XXXX XXXX, XXXX I used my rights to ask experian to verify some accounts on my report, with Proof, because I had issues with verification of the accounts when I checked. I also asked on that date to remove any non- account holding inquiries over 30 days. I heard nothing from them about the matter so I sent a second letter requesting the same information, on XXXX XXXX, XXXX. I got the same results with a system generated letter about the process of inquiries being on my report and no proof of them verifying the information. XXXX XXXX I sent a final warning and they still did not comply. So this will be my last complaint to communicate with out seeking legal advise to collect damages due to them not providing me with the required documents showing they verified the accounts. At this point they should have already done so and they have n't so I will settle for deletion of all the unverified accounts that are listed in the letters
My credit report show I have a credit card I have no knowledge of. I disputed the card with XXXX and the dispute was resolved but the card remains. How is that? In the credit report there is a street address for the bank. There is no phone number of web contact. I have been removing these unannounced credit cards from my report. As I said, I have no knowledge of this card. I get no correspondence from them. I have not activated the card. I want the card gone. Can you help me. The bank is CITICARDS CBNA, XXXX XXXX, XXXX XXXX, SD XXXX. 

I do n't understand what the advantage of these credit cards are. The are not used. They are not known about unless you track your credit report.
We were switched over to Shellpoint in XX/XX/2018. I had currently filled out a packet because we flooded here in XXXX, LA and got behind on the mortgage. They told me I was approved and if I made 3 payments of XXXX dollars, then they would add what I was behind on, to the end of my mortgage. I paid all 3 of them and now I get a certified letter saying Notice of Default and Intent to Accelerate. I googled this company and they have really bad reviews. They have been turned in to the XXXX multiple times. The amount owed is {$7800.00}. They did not keep their word! I cant talk to anyone when I call. No one answers half the time. I get no answers. I can't lose my house! I did exactly what they told me, and I'm still going to get my house taken away. Please help!
I received a message indicating that a complaint had been filed against me. The caller did not state the company name and only gave her name as XXXX XXXX. When I called, it took XXXX attempts to get her to identify the company and give me the mailing address. XXXX XXXX said that it was a complaint from XXXX Bank, a bank have not done business with in over 15 years. I explained that I settled my accounts at XXXX over 15 years ago and have no debts with them. XXXX XXXX said that if my social security is XXXX XXXX XXXX then the complaint is against me and they will take action. I would not verify my social security number, and I asked for their Maryland XXXX number. When she asked for clarification, I explained that I am a resident of Maryland that Maryland licenses collectors, and I needed ARA 's license number to confirm that they can legally do business in Maryland. She asked me to hold, and left me on hold until the call disconnected.
XX/XX/2018- I sent {$500.00} through XXXX XXXX to a seller as a required deposit to reserve our puppy. I received receipt from XXXX XXXX as well as a receipt from seller via email. 
after numerous excuses from seller as to why I could not come for puppy, I felt uneasy and felt as though I was getting scammed. 
XX/XX/2018- I called my bank to inform them I believed I was getting scammed and to please cancel the transaction, although the bank said it was too late and that I needed to contact XXXX XXXX because there was nothing my bank could do for me. I then proceeded to contact XXXX, with no turn of luck. They too could not do anything for me. 
Finally after confronting seller that I felt uneasy about her, she offered to return my deposit back to me on XX/XX/2018. That day went by and still no money was returned. When I asked about it, she told me that it would be sent around XXXX that evening. When XXXX came and went, I then asked her again which she then decided to tell me that the money was in another bank account and that the funds would not be available until XXXX on XX/XX/2018. 
XXXX on XX/XX/2018 came and went as well and when asked about it again she the had yet another excuse as to why she has not sent my money back. 
It is now XXXX on XX/XX/2018 and I have still yet to receive any money and still getting excuses as to why. 
I have contacted local law enforcement to report this and still no luck. I am at a loss on what to do to get my money back!
A company called Diversified Consultants keeps calling me. Not leaving a message. They are a collection agency of some sort. My phone # is XXXX. I already have a complaint filed case # XXXX
b of a botched my refi. they dragged it on for months, claiming issue was name change. when we went to closing, name not changed, bad number given for contact, rates had gotten lower. they variously spammed me with email I did not want, refusing to stop, yet refused to provide contact email for the responsible parties/ refused to respond to email. their customer service is terrible. I have asked them to fix the rate and/ or refund fees, which they did not earn based on the terrible experience with refi. they refuse to be held accountable. innumerable phone calls, emails, faxes, letter, withholding payment have not led to resolution. they unilaterally instated escrow against my express wishes to the contrary. they refuse to be held accountable
I have disputed the late payments on this XXXX XXXX account for months. XXXX  and XXXX have reversed them but Equifax 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.
Servicer Heartland ECSI is charging a {$1.00} Service Fee for a Direct Payment ( payment made directly from my bank account ) for my monthly student loan payment. They recently switched to a new on-line portal system - within the last year - and I had called numerous times to complain that making a direct payment still costs an additional {$1.00} per month, even when I was told that there should not be a fee associated with making a direct payment. Now, their old payment portal has been shut down, thus, forcing me to pay the fee if I am paying online. How many other people is this happening to? This is not a fair practice and I seriously doubt this is an oversight on their part.
Several times a month I receive emails from Experian stating : " Your Experian FICO Score has changed. 
You have new credit information. Were alerting you right away so you can sign in to make sure everything looks okay. '' Every other email is " Here 's what 's changed : Credit Score Decrease '' or " Here 's what 's changed : Credit Score Increase '' I believe these emails are a lure to subscribe to credit monitoring services. 

I am uncertain about whether or not my Experian credit score is actually increasing and decreasing this frequently. I feel as if these email are intended to cause either excitement or concern that is n't actually necessary and trigger recipients of these emails to subscribe to their credit monitoring service.
I paid off {$10000.00} toward my student loan 7 years ago and initial company, XXXX did not apply the funds to my loan. When the initial loan company, XXXX sold the loan to Navient, they had an incorrect loan amount. I have been in negotiations for over a year in between Navient and the previous company to get payment history to provide the {$10000.00} payment but since i closed my bank account more than 7 years ago, my bank does not have any documents left to provide me. While in negotiations, Navient advised me not to make any payments till we find out exactly what has taken place. Now, after a year later, they are telling me the initial company who they purchased the debt from is not providing paperwork. When I contacted XXXX, they do not want to release any of my information to me and i was told it was an internal mistake and that they will not provide any documents. XXXX said they can only provide the documents to Navient. Navient is telling me they do not have any direct way to get the documents to help us. While Navient is telling me not to make payments while in negotiations, they are reporting numerous late payments against my credit and completely ruining my ability to get any type of financing.