WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted a complaint with the CFPB on XX/XX/18, the case number is XXXX. If you go back to that complaint and look at XXXX response youll see that XXXX responded that the XXXX loan accounts were consolidated, closed and paid in full on XX/XX/18. XXXX also said in that response that they would report the status of my loans to the credit bureaus on the last day of each month. XXXX said, Therefore, we will update the consumer reporting agencies on XX/XX/2018 that your loan account is now closed since your loans have been paid in full by consolidation. The above statement was a lie. XXXX never updated Experian that the XXXX XXXX loan accounts were closed and paid in full. Experian presently shows the accounts as being open so right here in black and white in my CFPB report you can see XXXX lied to the CFPB about updating the credit bureaus that the accounts were paid in full, consolidated and closed. XXXX is doing this out of Spite and from XXXX response they have no respect for customers or the CFPB. XXXX blatantly lied in the response. It is almost XXXX and XXXX has yet to update Experian that the XXXX XXXX accounts are closed. I submitted/uploaded evidence from the CFPB response that XXXX sent stating the accounts would be reported consolidated, paid in full and closed on XX/XX/18 but XXXX still hasnt updated Experian and I submit a complaint about it everyday and XXXX has yet to fix the problem and Experian refuses to allow me to dispute the item not to mention Experian treats me like a liar when I state nothing but truth and facts. Experian said they believe XXXX because XXXX pays them. Why are XXXX and Experian allowed to lie to federal agencies without any consequences?
My husband was reported to be in a guardianship to USAA Bank, but really was kidnapped. USAA bank held our direct deposit, and allowed 11 years of our money to be sent to the kidnappers. I provided an attorney name who tried to check out the so called " guardianship '' file from District Court a year later, and he said there was no file, and complete fraud. I asked the bank to contact this attorney, they refused. Magically a file appeared a few years later, so a person connected with the court was involved. A local State Senator told me we have a crime ring and it is headed by the Judge in the case. He was collecting names of others defrauded. Recently I contacted the XXXX who had received a diagnosis from this judge ( no medical license ) of me being permanently mentally ill. This was to prevent me from filing in the case, and to discourage an investigation by others. The XXXX asked me to have the successor judge null and void all actions and orders in the Case. The bank was sent the document filed, and is pretending they have no idea what the case is about. The order should be signed this week ( XXXX XXXX, 2015 ) with no opposition and no testimony. The case registry has no respondent and no defendant, in violation of the Right of Due Process for married persons..
loan was opened by my now XXXX wife on or about XX/XX/XXXX. At the time my wife and I were legally separated prior to this date XX/XX/XXXX. We did not live at the same address at the time the loan was fraudulently taken under my name. I did n't find out until XX/XX/XXXXthat there was a charge off on the account. I thought I was doing the right thing by paying off the loan. After many telephone conversations with the company 's manager she stated the loan would be removed from my credit report. it has taken this long to report to you because she told me it would be 45 days at least until it was removed. She closed the account but did not remove it as promised the late payments were not caused by me but my ex wife refused to pay. Made several attempts to correct the issue but to no avail.The company is XXXX XXXX located at XXXX XXXX XXXX in XXXX Georgia XXXX.
Collection agency is reporting an exaggerated amount owed as well as reporting a different amount to each credit bureau.
On XX/XX/2018 i submitted a dispute to XXXX  for First Hawaiian Bank in which i have no idea where this account originated from. I also mailed First hawaiian on XX/XX/2018 to validate this said account. I never received any response from either and followed up on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018, I have yet to received any correspondence in regards to this account.
I previously submitted this as complaint XXXX, but it was not tied to my CFPB account or log in. I also did not receive an email confirmation. 

One of my federal loan servicers is demanding I send them a paystub within 90 days. I already sent them verified IRS data about my income. This is for the Income Driven Repayment Plan. This is not allowed under 34 CFR 682.215. I tried to call them and they were not helpful and did not understand my complaint. They said it is simply their policy but was not able to identify where this policy comes from.
I like to inform you that I have a problem with my credit report in which the site didn't have anything to choose from that fits my problem. I have over 20 plus inquiries on my credit report. In which I didn't give anyone permission to pull my credit report. I need XXXX, Experian, and XXXX  to invesitgate with each company. To make sure they have a sign document, audio recording, and electronic signature stating I have given them permission to pull my credit report. I am attaching a copy of my credit report for review and investigation. This is my first steps to removing all the inquiries off my credit report that doesn't have legal proof that they belong on my credit report.
ThePENN CREDIT CORPORATION XXXX call my number at least XXXX or XXXX times everyday and as late as XXXX on Sunday 's I answer and tell them to stop calling but they continue. This has been going on fo at least 6 months. Many times it 's a recording.
Navient has been telephonically contacting and mailing letters especially a letter that indicates regarding negative information on my credit report which may make it difficult for me to obtain future credit including auto loans, additional education loans, home loans and even credit cards. Apparently, I tried to refinance my condo, but Navient affected and damaged my credit rating. I am XXXX, XXXX veteran, and on a fixed income. I am a cosigner for my daughter 's college loans and she has not graduated yet. Navient is very unfair and reported me to the credit bureau. I used to have good credit ratings, but Navient damaged it only to intentionally prevent me from obtaining other loans.
I been trying to get Equifax To delete hard inquiry from my report with them, the rep say the inquiry was verified and I told her that cant be true I never tried to attain credit with any on the companys, I was in Bankruptcy and my lawyer told me not to apply for anything while in the program I tried 3x to get the inquiry remove with Equiifax she say she had sign paperwork I ask her to send me copies where I authorized them she then say call each consumer yourself to get them deleted help accounts including XXXX for {$1000.00} I sent letter showing what the company stated that the account will be deleted and they still wont take it off it report XX/XX/XXXX wasnt my account all the inquiry was done is not mines but XXXX XXXX XXXX XX/XX/XXXX I ask them to delete the rest they wont do anything to clear this up I ask for all addresses to be remove but one nothing help me please
I have had a mortgage with HSBC since XX/XX/XXXX. Although I received a loan modification in XX/XX/XXXX ( approximately ), my ARM has remained current now for several years. I have also been repaying an advance on taxes. Although my statements showed my interest rate of 3.44 % until XXXX XXXX, they increased the rate to 8.44 % XX/XX/XXXX ; which doubled my payments. This increase was immediately followed by the transfer of my loan to a company by the name of XXXX XXXX XXXX. Is there a connection between the unreasonable interest rate jump and the transfer of my loan? 
Now I have to work with the new company, XXXX XXXX, to modify. From what I read online, they have a terrible reputation when it comes to modifications and that the process can take years. I am completely stuck with a doubled mortgage payment while my husband is XXXX XXXX. The timing could n't be worse. Feel very betrayed by HSBC for putting me in this position.
Last month around XXXX XXXX, 2015 I notice on XXXX that I had XXXX listings for my mortgage loan. XXXX listing was named Wells Fargo Home Mor mortgage for {$150000.00} the other was named WFHM mortgage for {$150000.00}. I called that day and talked to a representative and explained I only had XXXX loan for a mortgage with Wells Fargo under loan number XXXX. The representative said she will look into but that she could not see my credit and therefore the credit dispute department would have to do an inquiry. I received a letter from Wells Fargo explaining to be that the information on my credit was correct and that they had but some kind of code on my credit and reflecting that I may not agree with their findings and that they will only remove the code after I agree with their findings. I called the mortgage company again XXXX XXXX 15 for assistance in correcting this misinformation I spoke with a XXXX XXXX that said she will request some file because the lien may not have been released. She called me on XXXX XXXX asking for a copy of my credit report with the duplicate listing. I tried to ask for an email but was told I had to send it my fax. The Fax number I was given is XXXX and it would not allow me to send the proof of the duplicate listing. I would like my credit report to reflect that I only have XXXX mortgage. It has put my debt to credit ratio off and it affects my credit score and I feel that this mortgage company is not trying to assist at all. I am also concerned about other people that may not know to come here and make a compliant. Please assist. Thank you.
I complained on how the information has been re-reported. I have paid off or brought current all items on my credit report with the exception of XXXX ( in the amount of $ XXXX.my car payment is current, my student loans are current. I have tried repeatedly to have my information updated correctly. I understand that things can be reported up to 7years, my problem is, when I dispute an item the company will report the " account '' as paid, but the " lasted '' reporting is still reported as " collections and so is the " payment '' history. I would just like everything updated correctly to reflect these account were in fact paid. reguardless of previous reporting.
I have requested from Esperian,, XXXX times for my report. I get the runaround, it is in the mail, next week for sure. Sent me a letter to tell me it would be within the next week. What re-coursedo I have, if it is a legal claim, bring it on.
Originally, my secured and unsecured loans were with Sallie Mae, who I'm guessing sold to Navient. Navient wanted {$900.00} a month and I couldn't pay that amount monthly. They suggested I try the Income Driven repayment plan I have been on that plan for a few years. My monthly payments change every year but what's not happening is the balance isn't going down but up. I have called asking why I can't have a lower monthly payment that doesn't go up until I pay off my loans and never get a straight answer.
Applied for credit extension with XXXX XXXX XXXX XXXX, ad was informed that they were denying the request and that decision was based upon information obtained in a report from the consumer reporting agency XXXX XXXX XXXX XXXX. The report indicated that due to length of time accounts have been established ; Too many inquiries within the last 12 months ; too many accounts with balances and amount owed on revolving accounts is too high. This information is in error. Equifax has connect my individual credit profile with the Trust : XXXX XXXX, which I am the trustee. See attached documents. Without Prejudice
XXXX XXXX my mortgage was sold to Select Portfolio Servicing I continue to pay without any problem. Previous XXXX XXXX XXXX XXXX was my mortgage company. XXXX XXXX I giving XXXX permission to do a electronic draft from my bank account. XXXX they did and XXXX they did. I receive a letter stated they a sold it to Select Portfolio Servicing. On XXXX XXXX, XXXX XXXX went in my checking account and took out XXXX unauthorized. I did not give them permission I was not with this mortgage company no longer
have sent 4 dispute letters over the course of 5 months to Equifax disputing items on my credit report that are inaccurate. I asked them to verify the accounts with original documents that I SIGNED and to send me a copy of that ORIGINAL DOCUMENTS WITH MY SIGNATURE ON IT or the source used to verify that the account is accurate, but they have failed to do so. The unverified items listed below still remain on my credit report in violation of Federal Law. 
ACCOUNTS ( XXXX XXXX XXXX - XXXX ) ( XXXX XXXX XXXX XXXX XXXX ) [ XXXX XXXX - XXXX ] ( XXXX XXXX - XXXX ) ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
On XX/XX/2019, I deposited a Cashiers check in Capital one bank. The check was from a buyer ( name : XXXX XXXX XXXX, phone number is XXXX XXXX XXXX, and XXXX XXXX XXXX ) because I was selling a queen bed through XXXX. The buyer sent me a check for the bed and movers ( {$150.00} for the bed and {$900.00} for mover, total is {$1000.00} ). On XX/XX/XXXX, I saw the money {$1000.00} already in my account. Even though, I went to the bank to confirm if the check went through. The cashier checked for me and said yes. And capital one sent me an email that Youve successfully deposited your check ( s ) into your Checking account ending in XXXX, and the money should be available by the next business day.

Amount : {$1000.00} Since the cashier told me the check went through, I thought the check was good. Both cashier and the email didnt mention anything about the money need 4 to 5 days to transfer or verify. Otherwise I would not mail {$900.00} to the mover. On XX/XX/XXXX, I mailed {$600.00} to the mover, XXXX XXXX, address is XXXX, Rhode Island, zip code XXXX  through XXXX to XXXX  and mailed {$300.00} on XX/XX/XXXX.

Since no one come to pick the bed and I couldnt get back from the buyer, I checked my checking account on XX/XX/XXXX, I saw the check pending for chargeback. I called Capital one bank and I was told the check was not right. But I have mailed {$900.00} to someone.

I made several calls to Capital one to complain because I dont trust the buyer, but I trust the bank. If the money was not on my account and if the cashier or the Capital one bank email mentioned that the fund need several days to verify, I would wait. However, I was told there is nothing Capital one bank can do about.

When I deposit a regular check, it takes several days to go through. But the cashiers check can get next day. I thought cashier check takes shorter time to verify. Now I know it is not verified. But no one mentioned it to me. I dont think it is my fault. It should be banks problem.
I recently noticed on my credit that there is a listing of a company name XXXX XXXX which they claim " i owe {$860.00} '' this information is incorrect and its hurting me financially. 
I contacted the company by register mail two times back in XXXX and XXXX of 2018 asking the removal of this incorrect listing. I stated that this account was not mine. 
They reply by sending me photo copies of a bill from XXXX claiming that " I owe {$860.00}, the XXXX bill had an unknown address and it was not on my name. I called the company on XX/XX/18 and the agent told me that the only way they consider the removal of the listing is by filing a police report as an identity theft case, I don't believe my identity was stolen, I believe it was a clerical error by the original creditor or by the collection company is reporting it. I wont file an identity theft because the credit bureaus may flag my credit or put a temporary lock on my credit which I believe is not necessary. it will damage me more in case I need to applied for credit.
Hello I am making a complaint about NAVIENT AND DEPT OF EDU/ NAVIENT. 
I HAVE SENT OUT 4 LETTERS WITH NO RESPONSE ABOUT WHY AND HOW ON EARTH DO I OWE {$93000.00} IN DEBT AND THERES 14 ACCOUNTS ON EACH BUREA WITH THERE NAME REPORTING ON ALL MY 3 BUREAS, THEY ARE DAMAGING MY CREDIT AND CREDIT REPORT AND CANT EVEN RESPOND WHY SOMETHING ISNT RIGHT WITH THIS AGENCY PLEASE HELP AND ACCORDING TO FCRA IF THERE'S NO RESPONSE AND IT HAS BEEN ON 30 TO 45 DAYS ITS MUST BE DELETED UNDER THE STATUE OF LIMITATIONS THANK YOU SO MUCH CFPB FOR HELPING AND YOUR WORK YOU DO IT IS HIGHLY APPRECIATED.
i have items on my credit report that i would like to verify the information on. I would like to dispute the XXXX XXXX XXXX account opened XX/XX/XXXX for {$550.00} dollars, the XXXX account opened XX/XX/XXXX for {$840.00} dollars, XXXX XXXX account opened XX/XX/XXXX for {$850.00} dollars. I have disputed these accounts online with credit bureaus. I would like to verify the information on these accounts.
In XX/XX/XXXXi filed a dispute for a collection Wakefield Associates amount {$1100.00} medical bill original {$950.00} they continue adding intrest dont know if they can legally do that over 200 more how can that be In XX/XX/XXXX this account just showed up on my XXXX and XXXX  reports There investigation states Meets FCRA requirements right there is a violation under FCRA for not sending a collection letter of debt validation to consumer giving all info from original company and for consumer to respond within 30 days to validate debt before placing a collection to the bureaus I had been working with a credit repair company which didnt benefit me at all From XX/XX/XXXX to XX/XX/XXXX This company is showing placed for collection XX/XX/XXXX so why did they place a negative account 7 months later Nor did i receive any phone calls I sent a letter asking to validate debtXX/XX/XXXX no response within 30 days I no theres new reporting laws for medical bills with the credit bureaus This should be deleted as the company seem to fall under fcra violations for debt validation Reporting in accurate again it does not meet the requirements
XXXX has mishandled my payment instructions and has delayed for several weeks in fixing its error. Submitted payment of {$95000.00} on XX/XX/XXXX, which XXXX misapplied ( even though I uploaded payment instructions per their direction 10 business days before sending this payment ). Previous CFPB complaint " resolved '' by XXXX and marked closed by CFPB, wherein XXXX stated on XX/XX/XXXX : " [ b ] ecause you provided special instructions for how you want the payment applied, the payment will be reapplied according to your instructions. Although it may take a few business days to process the reapplication, once it has been reapplied the payment will still be effective the date it was received, XX/XX/2018. '' It is now XX/XX/XXXX and no change. I now need to complete my annual re-certification of IDR and my loan balance is not correct due to XXXX 's continuing error. XXXX must do better.
My mother passed away earlier this year and I tried to get Wells Fargo to put the loan in my name. My attorney sent them the death certificate again but a month later they had still not coded it properly. I am supposed to be working with the assumption/silmutaneous modification department but they will not give me an answer since they do not have it in their system that my mother passed away.
My lender automatically compounds the interest on my loan daily while only offering a facility to pay semi-monthly.
To who it may concern. Upon receiving my credit report I have received a XXXX rating on my Consumer Credit and Background Report. I believe this is due to the incorrect information of a criminal record appearing on my report. The criminal record has been cleared for three years to date by the XXXX Superior Court XXXX California location, and my credit score should accurately display information. According to the courthouse the license plate violation was erroneously added to my credit report, and after verifying with the court I have paid the fee and it is cleared from my record. In addition, the criminal report is alarming and sounds like I have been convicted of a crime, when in reality it was only a traffic infraction for not having a front license plate. I would like this minor offense removed from my report due to the fact that I no longer have it on my record and it should not have been there. On my report there is also a non-exact match of the XXXX XXXX XXXX XXXX XXXX XXXX that I would like to have removed because it does not match me so it should not be a flagged section. Furthermore, I was not convicted of any crime and the case was dismissed there is no reason why this should appear on my record. This is affecting my possibilities of obtaining housing and I am very dissatisfied with the credit report. I am requesting a free copy of the new report that reflects the corrections made, and I am hoping that this edited report not be counted as my free yearly report. In addition I would like the new credit report to be sent to anyone who has received my credit report in the last six months, due to the previous ones having incorrect information. Also I was hoping to get an explanation for the XXXX rating because although I have been a credit card holder for only a short period of time, I have never missed a payment nor maxed out my credit limit. I am a responsible borrower and I have a good credit score listed as XXXX on the report.
I FOUND PUBLIC RECORD ON MY CREDIT REPORT IS INCORRECTLY PLACED ALONG WITH 8 ACCOUNTS IS NOT EVEN BELONG TO ME : 1- XXXX XXXX XXXX ACCOUNT # XXXX 2-XXXX ACCOUNT # XXXX 3-XXXX ACCOUNT # XXXX 4-XXXX XXXX XXXX XXXX ACCOUNT # XXXX  5-XXXX ACCOUNT # XXXX 6- XXXX/XXXX ACCOUNT # XXXX 7- XXXX XXXX XXXX  ACCOUNT # XXXX 8-XXXX ACCOUNT # XXXX
They are calling me on my cell phone and I keep telling them at it's a cell phone they are calling me on. I want it to stop
This complaint refers to Account # XXXX opened XX/XX/2011 This account is now over 7 years old and should be removed from mt credit report in all 3 bureaus.
Auto loan was for XXXX I was in good standing with the loan company for 51 months making monthly payments. 

Account charged off for XXXX which is more than the balance that i owe. 

The company is reporting incorrect terms of 84 months on some credit reports and then 81 months on other credit reports. 

My contract is a 72 month term. The charge off amount should be the amount that i owe on the loan according to the date of the last payment. 

Each month the company is reporting a different past due balance. 

Starting XX/XX/XXXX past due balance reported was XXXX XX/XX/XXXX reported twice to credit agencies a past due balance of XXXX and XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX Company states the last payment was maybe in XX/XX/XXXX Date of 1st delinquency reported as XX/XX/XXXX Amount charged off is higher than the balance that i owe Amount charged off is higher than what the original loan was for I have disputed and asked for payment ledger without any response
I Called customer service last XX/XX/XXXX about the non availability of chase bank in Maryland. SInce I needed my money, I asked for an increased in withdrawal. I was approved to make a {$1000.00} instead of the usual {$500.00} dollars only. I was told to call back so they can reverse the fee. It was not reversed. 
ON that day also, I issued a check to my sister since depositing at her account would allow me to get my money from her. However, I was charged for a {$34.00} fee for insufficient funds after depositing {$1000.00}. I was told it was late already and the cut off was over. I would like to request that I be that fee be reversed. 
ON XX/XX/XXXX I was charged another {$34.00} for a {$9.00} charged. This is outrageous. IF they never charged me {$34.00} and {$2.00} ATM fees, these should have not happened in the first place. 
I want to file this complaint for outrageous fees that the bank continuously charged for hard working citizen who lives paycheck to paycheck where a dollar counts.