WillisBack/dataset-financial-user-claim huggingface dataset:
***Note**** This is my second complaint in this manner and this is completely unacceptable. It too XXXX all of 56 days to determine they can not proceed with this complaint due to a 3rd party unauthorized. I called CFPB first to figure out who is the 3rd party unauthorized and was advised to notify XXXX. 

It turns out that file a CFPB complaint is not accepted in XXXX, as CFPB is an unauthorized complaint. Which I knew was wrong as CFPB regulates XXXX. Then it get better, I'm not allow to submit a dispute over to XXXX  only the creditor can remove the information from the credit file. The letter that I have been forwarding over for over a year is invalid and needs to be sent directly from Chase. According to the FCRA, I can dispute any inaccurate information on my credit file and the credit reporting agency will need 30 days to investigate the dispute. What is happening, the credit reporting agency is not disputing any information. What they are doing is waiting until the last minute either to send a letter stating more information like a drivers license and 2 copies of your billing address or wait until the last day to say the dispute has been verfied. When you put things together to verfiy with the creditor, it turns out the credit reporting agency is not even submitted or investigating the inaccurate information on the credit file. 


I have a credit reporting monitoring service that alerted me that someone attempted to obtain credit in my name. Upon contacting Chase to cancel the card and any charges, they immediately conducting an investigation. On XX/XX/XXXX I received a letter stating that they have sent a letter to XXXX and XXXX to remove the inquiry dated XX/XX/XXXX. As of XX/XX/XXXX the inquiry has still remained on the credit file after sending numerous disputes to XXXX and XXXX with them stating the inquiry will remain on the credit file. It just goes to show they are not reviewing the disputes that you submit, because it is clear as day with a letter from Chase to remove the inquiry from the credit file. I know the same stroy line, you didn't receive the letter or documents, but your quick to mark items as frivoulous to avoid reviewing the dispute accurately. According to the FTC, you have to review all disputes within 30 days upon receipt, your gimmick that is widely used is to submit an updated bill or drivers license in order to review the dispute. It gets old, all 3 companies need a traning in Ethics 101.
I am filing a complaint against US DEPARTMENT OF EDUCATION with the CFPB, I am compelled to demand that you provide communication exclusively through a printed letter on the status of ownership and how was the account assigned to your office. I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Please deleted all this debt off my credit report.
I signed up for a Citigold bank account with the promotion code XXXX. The signup bonus ( XXXX ThankYou points ) was to be provided within 3 months of meeting bonus terms and conditions. After the XXXX month period, and after completing the bonus terms, Citi rescinded the offer. I am now stuck with {$90.00} in monthly fees. Citi needs to follow through on the agreement we initially agreed to.
I contacted Transunion to remove an item from my credit report it was stated it was removed and then added on withut a 5 day notice which is not legal. It was also in my report as date opened on XX/XX/XXXX but the close date of the account was XX/XX/XXXX.
XXXX and XXXX issued me a credit card from Synchrony Bank I have never once used this credit card however they are reporting a balance of {$820.00}. 

Incorrect information and I want it removed from my credit account they are reporting bad things on my credit report
I sent a reinvestigation/dispute letter dated  XX/XX/2017    by certified mail to Equifax. The letter shows delivered on  XX/XX/2017    per the certified mail tracking number on the USPS website.      ( Tracking #   XXXX   XXXX   XXXX   XXXX   XXXX   ) As  of today 's date,  XX/XX/2017    I have not received any type of notice, or updated credit report in the mail. I have also sent a copy of the letter along with the evidenceof tracking to them again. Furthermore, the accounts that I am disputing on this letter were unverifiable and removed from my  XXXX  and  XXXX  report so I am not understanding how Equifax can say that they are verified with them but did not verify the other CRA 's.
Received an alert from XXXX, stating, I applied for credit from American Honda Financial on XX/XX/XXXX. Contacted American Honda Financial on XX/XX/XXXX, spoke with several individuals over 45 minutes. Honda stated they couldnt do anything or provide any information and file a dispute with Equifax. I filed a fraud dispute with XXXX  on XX/XX/XXXX. 

On XX/XX/XXXX received an alert ( Conf No. XXXX ), stating my dispute was complete. XXXX   stated ( XX/XX/XXXX telephone call ), they can not remove the hard credit inquiry from American Honda Financial and I need to contact Honda. I contacted Honda on XX/XX/XXXX, they said I need to contact XXXX  to have it removed. Called XXXX again, informed them what Honda said and I requested a supervisor. Informed the female supervisor of the situation, she said again, contact Honda, they have to request the removal of the hard inquiry. I informed both companies, this was a fraud credit request. Both parties are saying contact the other party. I have spent over 2 hours on the telephone with XXXX and American Honda Financial requesting the hard inquiry be removed from my credit.
In a recent pull of my credit reports from the credit bureaus my Mortgage with XXXX does not show up at all. Since I was in good standing with my mortgage this should show up with no late payments. When I made the complaint here about XXXX not reporting the correct information within months all information disappeared of the credit bureaus.
Failed to list itemized debts in writing. on XX/XX/2018, called the company and didn't get an answer. I would like this removed from my credit report. The company is getting paid as agreed
M & T bank keeps manipulating the order of my daily transactions and keeps delaying transactions posting in order to maximize the chances to get hit by overdraft fee. 
I would like to know why M & T bank does not post DEBIT Card / Checking account transactions in the order they occurred. Why like XXXX XXXX XXXX or any other banks, M & T does not post automatically and chronologically and on a daily basis Debit Card transactions made on a business day? Why some charges have to be pending for XXXX 3 days before they get posted so the available balance is up to date and the customer will not be misleaded to think that they have money in their account when in reality they do n't? 
I gathered evidence and vendor receipts showing the date when transactions were made with my M & T debit card and the day M & T bank post my transactions in an order different than the order of my purchases triggering an overdraft fee. In addition, how come I receive Instant Alert XXXX day after my account is negative or Checking below {$2.00} so M & T can charge overdraft fees while Alerts are received instantly when Cash is deposited in my account? 
On XXXX/XXXX/16 : I made an online payment of {$100.00} to my XXXX XXXX credit line. This transaction is posted on XXXX/XXXX/2016. 
On XXXX/XXXX/2016 : - XXXX transaction XXXX : {$50.00} sent for deposit in XXXX. 
- XXXX transaction XXXX : I made a debit payment of {$120.00} at XXXX store. 
On XXXX/XXXX/2016 : at XXXX, I received a text Alert Stating : " M & T Alert : XXXX is below {$2.00}. Available balance is - {$0.00} as of XXXX on XXXX/XXXX/16. May not reflect all transactions. '' As of XXXX/XXXX/2016 in the late night, XXXX XXXX transaction and XXXX transaction are first posted in the night batch but my {$50.00} deposit ( which should be posted too on the same date ) is still shown as pending leading the overdraft XXXX/XXXX/2016. I took a screenshot of my account on XXXX/XXXX/2016 at XXXX XXXX, the {$50.00} is still shown as pending but my available balance is {$49.00} however my total balance is - {$0.00}. Why the {$50.00} deposit is was not cleared at the same time as the XXXX transaction on XXXX/XXXX/2016 which came second? 
I went to the ATM to make a {$10.00} Cash deposit ; it says that my total available balances after that deposit that {$10.00} deposit is {$59.00} which meant that the {$50.00} deposit was immediately available but they chose to clear it after hitting me with overdraft fees ( please refer to ATM receipt at XXXX on XXXX/XXXX/2016 ). 
I have receipts and XXXX screenshot that shows time and date when XXXX XXXX/XXXX/2016 transaction were made. 
On XXXX/XXXX/2016, I got hit by {$38.00} fee that is automatically posted in the night batch. 
Desired Settlement M & T posts transaction that for sure will lead to overdraft my account then post afterward deposit transaction that would offset any overdraft risk by not clearing deposits that show available but still pending. This is not my first written complain. 
I demand {$2000.00} to settle this case for the impact it caused when I want to apply for a small consumption loan, the inconveniency and for punitive because I am sure I am not the only victim.
I have contacted both XXXX XXXX and Bayview Loan Servicing several times over the last months asking for the date of first delinquency to be fixed on my reports. The most recent contacts to both companies were by phone on XX/XX/XXXX, by phone on XX/XX/XXXX, by email/fax on XX/XX/XXXX and through disputes with XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have not updated the date as of yet. 

The date of first delinquency that is showing on all 3 credit bureaus : XXXX, XXXX and XXXX. The delinquency shown is XX/XX/XXXX but the date of first delinquency was XX/XX/XXXX. The mortgage loan was originally owned and serviced by XXXX  XXXX XXXX. It was then transferred to XXXX XXXX and finally to Bayview Loan Servicing. Per FCRA 605 & 623, when a debt is sold and was delinquent, the date of first delinquency is to be reported as the original creditors date of first delinquency. In the case of this account, the account went delinquent with XXXX   XXXX XXXX in XX/XX/XXXX. As it was never brought current, the date of first delinquency is XX/XX/XXXX. 

You will see in the XXXX XXXX Report the XXXX XXXX XXXX Information ( bottom of page 4, top of page 5 ) the account history for XXXX XXXX XXXX and the information that is was transferred. Bottom of page 5 to top of page 6 shows the incomplete XXXX history. XXXX received the loan in XXXX XXXX but did not report until XX/XX/XXXX until XXXX XXXX. Bayview received the loan in XX/XX/XXXX-XX/XX/XXXX. 
The 2 were the follow-up letters that I submitted after the XXXX disputes were not updated properly. 

The XXXX XX/XX/XXXX Document shows that the XXXX  XXXX XXXX account has been removed due to the 7 year rule but both XXXX and Bayview are still on the report ( pg 11 & pg 16 )
My former apartment complex is claiming I owe two months of rent. I abide to my lease and move out on my move out date. I do now owe them I have paid the amount I do owe. Collections can not find proof that I owe two months rent.
I called walmart service number on the back of the card on or around XX/XX/XXXX and explained that I had been through a hardship and wanted to get my walmart card back on track I told him that I couldn't make a payment until XX/XX/XXXX and will pay the rest of the balance XXXX by the next due date. Thinking everything was fine until I got an alert from the credit bureau that my walmart card was closed on XX/XX/XXXX wow I thought they were working with me I guess not. I called the number on the back of the card on XX/XX/XXXX to find out what happened to the agreement. The lady on the stated the call would be recorded that's fine so I told her that I would be recording the call as well and she said that it wasn't ok so we ended the call. I just wanted to record it because of the call on or around XX/XX/XXXX when i made the arrangement to make a payment by XX/XX/XXXX. They obviously lied about helping me get back on track. I spoke with an attorney prior to trying to work out things with my credit cards he told me to just file bankruptcy because they are not going to work with me. He was half way right all of my credit card companies and mortgage is working with me except XXXX XXXX cards. After the phone call I get some email from a collection agency. XXXX XXXX is not interested in helping customers when they have fallen on hard times.
I worked with XXXX XXXX of New American Funding in XXXX, WA last month. The experience was rough every step of the way. We took our application on XX/XX/16. She was tough to get in contact with, I didn't have an underwritten loan decision for nearly a month, I was sent loan disclosures with inaccurate information multiple times, and when I wanted to see rates she didn't call me back. After she told us it wouldn't work, we ended up going to another lender and closing in 3 weeks. We had to pay an extra {$24000.00} to the seller because we didn't close on time because of XXXX. Despite, being bad at her job, what bothers me is that she has no regard for compliance. She ultimately told us that our loan wouldn't work. It is my understanding that I should have received a formal denial letter within 30 days of XX/XX/XXXX ( the day she denied us ). I felt like I was not important and she just wanted us gone to make her life easier.
On XX/XX/2018 I sent my mortgage holder, Caliber Home Loans Inc. XXXX. XXXX XXXX XXXX, TX XXXX a check for {$4000.00} to cover my normal monthly payment and extra on principle. On XX/XX/2018 the check cleared my bank but was never credited to my account. According to the back of the cleared check it appears that it was Cashed by XXXX XXXX XXXX. The back of the check said " CR PAYEE ACCT LACK END XXXX XXXX  XXXX XXXX ''. I understand that it means it was credited to Caliber Home Loans account with lack of endorsement, guaranteed. Caliber claims they have no record of it. Around XX/XX/XXXX I was finally able to talk to someone from the home loan department at XXXX  XXXX XXXX who directed me to send my information to XXXX  XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. Which I did and after 3 months have heard nothing. 
In XX/XX/2018 Caliber Home Loans started charging extra to make payments on line. I made the XXXX payment by check, they received it but did not apply it as I requested. The XXXX payment was made by phone, which they miss applied. It appears they are trying to force payments to be made on line.
I notified homedepot credit card department, run by citi cards, of fraudulent charges made in XXXX XXXX. I received an e-mail confirmation from homedepot for an online purchase that I did not make and called the company immediately. Several additional charges were made before the account was closed. The account was eventually closed and the balance was transferred to a new account. I confirmed my portion due and paid in full. I was under the impression the issue was taken care of by the end of XXXX. XXXX XXXX I ran a credit report and found late charges associated with the account with fraud. I was never notified of a remaining balance. Since XXXX XXXX, XXXX I have called 10 times to resolve the issue. I have requested to speak with a supervisor, I was told none were available but my request would be passed on and I would receive a call back. I never have been contacted. I am filing a complaint now for two issues : 1. Every time I call for an update on the issue I am provided different information. I am never allowed to speak with a supervisor or the investigator on my account and I never receive a call back. 
2. My credit report is reflecting a failure to pay, which is incorrect, thus affecting my ability to be approved for current credit requests. I am trying to move and the negative credit score is impacting application approvals. 


initial fraud charges : {XXXX XXXX/XXXX/XXXX {XXXX} XXXX/XXXX/XXXX {XXXX} on XXXX/XXXX/XXXX Since the credit report ran on XXXX XXXX XXXX, when I realized there was an issue, I have spoke with Homedepot on the following dates : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX
I paid my   XXXX   2017   payme nt on  X/XX/17 .  I paid my   XXXX  2017    payment with  XXXX  on     X/XX/17  and   XXXX  on  X/XX/17   . Ocwen put both payments in a suspense account and did not apply them as a payment. I sent  XXXX  on  XX/XX/XXXX  and  XXXX  on   XX/XX/XXXX  a nd Ocwen returned both of them stating that I was 3 months behind on my mortgage and had to pay the entire balance at  one  time. They still show I have  XXXX  in a suspense account but give me no credit towards the balance needed to be paid. They have assessed fees over  1000 because  I am  three  months behind.
On  XXXX / XXXX / XXXX  my husband applied for and got a payday loan through Loanme.com. When my husband applied he specified that payments would be made available to the company on the   XXXX   of every month in the amount of  XXXX . On  XXXX   XXXX   XXXX  a withdrawal was made from our account in the amount of  XXXX . My husband and I do not receive our social security checks until the  XXXX  of every month so therefore there was no money in the bank and it left our checking account  w  a negative balance of over  three hundred d ollars. I contacted the company about their mistake. They claimed that they were entitled to the amount on the  XXXX  of every month, not the   XXXX  . I asked loanme to return the money to our checking account plus reimbursement for the overdraft fee. They refused. Can you please help us?
I contacted XXXX XXXX listed on my XXXX  credit report disputing the debt that they have reported on my credit file and requesting validation of such account as belonging to me made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. 
XXXX XXXX has failed to respond to this validation request within 30 days from the date of my receipt, and I want this account to be deleted from my credit file.
I charged {$180.00} worth of merchandise at Bloomingdales ', and returned that same merchandise for credit -- before the closing date for the billing period. Now, Bloomingdales ' continues to call ( seven times now -- early morning and at night ), saying my account is " past due ; '' I feel that they are harassing me. They are quite aggressive, and have billed me a {$27.00} late fee.. My account balance is XXXX, yet when I ask for an explanation, they say I should have made a payment no matter whether I returned the merchandise or not, that the " credit '' for the returned products will be deducted in the next billing cycle ( BUT the return shows up on the current bill ). This makes absolutely no sense.
Previous CFPB XXXX. Company fail to dispute fraud charges : Account ending with XXXX. This company still haven't help me This is fraud charges : XX/XX/XXXX {$34.00}XX/XX/XXXX {$4.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$7.00}XX/XX/XXXX {$2.00} XX/XX/XXXX {$100.00} Please correct bill.
Between the months of XXXX, XXXX, and XXXX of 2017 an unverified account with XXXX XXXX for {$2600.00} was investigated and deleted from credit reports. The account has been reinserted on my credit report under XXXX XXXX XXXX for {$2600.00}. Once XXXX XXXX ( whom I have never had contact with or have a contract with ) received notice of my disputing this account with them, they sent me a letter concerning this previously deleted unverified account. Furthermore, I was not given the opportunity to contest this information before it being re-reported because I did not receive my five business day notice that this information was being re-reported on my credit report.
For the past two years since XXXX 2015 I have been written to the three credit  union 's XXXX, Transunion and XXXX, in regards to XXXX XXXX XXXX, XXXX and XXXX having an account in my report. These are not my account, the debt collector 's has not been able to validate the account 's neither has the credit union. these account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I sign any legal document with my signature binding me to a contract with XXXX or XXXX XXXX XXXX. 

The credit union have been informing me I have to speak to the debt collector 's the debt collector 's tells me I have to request the deletion of my account from the credit union.
People 's bank KEEPS defrauding me. They are accepting transactions against my account that exceed my balance just so they can charge me a {$37.00} over draft fee. I have told them twice before on the phone that this is not something I want or ever authorized yet they still continue to do it. In the few days they have charged me {$150.00} in overdraft fees for my account being - {$1.00}. This is theft. I called the bank again this morning on  XXXX / XXXX /  XXXX   @  XXXX  and told them to STOP stealing my money and that I do not want this overdraft service. I asked them to refund all the money they have stolen from my account and they refuse to do this saying I agreed to this which I NEVER did. The dates they have stolen from my account calling their theft " Overdraft protection ''  Two ti mes on  XXXX / XXXX /  XXXX   for {$74.00}, once on  XXXX / XXXX /  XXXX   for {$37.00} and again on  XXXX / XXXX /  XXXX   for another {$37.00}! That 's {$140.00} in  ONE  WEEK!
On XX/XX/XXXX, I 've Disputed 5 transactions not authorized or completed by me which details are XX/XX/XXXX XXXX {$49.00}, XX/XX/XXXX XXXX  $ XXXX,XX/XX/XXXX XXXX $ XXXX,XX/XX/XXXX XXXX XXXX XXXX $ XXXX,XX/XX/XXXX XXXX XXXX XXXX {$39.00} on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I currently still have in my possession and I requested a new card since my account number XXXX was used without my knowledge.Customer Service Rep issued me a new card and was sent via next day service.Received new card with new number. But Customer Service Failed to closed that account ending in XXXX and card was continued being charged from previous reported disputed transactions and additionally from new online merchant XXXX and XXXX XXXX without my consent or authorization. I 've tried my best trying to communicate this information to customer service and Level 2 on XX/XX/XXXX after explaining such error they have created and from its mistakes on not closing my account when reported and confirmed by rep transactions were still being completed Several reps just disconnect me from the line or continue transferring me to the same department over and over again until calls disconnects.
I was seeking a modification on my mortgage about four ( 4 ) years ago with this mortgage service company. However they set me up on a payment plan that I am not able to maintain. They said that they would do a modification about 2 years ago, but have been stringing me along ever since. I am eighty ( XXXX ) years of age with my only income from S/S of $ XXXX monthly. My house note is {$1100.00}. I had been maintaining the payments with the help of my daughter until she recently became unable to assist me. I want to keep my home.
I receive daily multiple calls from this company and I have tried to tell them I am on the DO NOT CALL list. I keep asking they put me on their do not call list. Yet I still keep getting calls claiming I have something outstanding with them and they can help repair my credit. I want them to remove my number from their call list FOREVER and never to call me again. First they state they are with Helping hands and then they state they are with XXXX XXXX XXXX.