WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased  XXXX   Western Union m oney orders at  XXXX  in  XXXX  o f 2011. I d id not use them for the original purpose and they were set aside uncashed. I found them recently and decided to cash them to regain the face value of the orders, a total of {$38.00}. I was not aware that over time they are subject to a " service charge '' that ultimately consumed the entire face value of the orders, rendering them worthless. This is disclosed in fine print on the rear of the paper order, with no reference or asterisk on the front of the order to indicate such a disclosure exists. Upon cashing them in my regular checking account I received a letter that they 'd been returned, earning a return check fee from my bank as a result. That fee has been waived by my bank given the situation, however I 'm still less the {$38.00} in value. {$38.00} is not a significant amount of money to me and this complaint is being made to draw attention to what I believe is a deceptive and unfair practice. For individuals who have no alternative to using money orders this " service charge '' could be a significant drain on their finances and should at minimum be clearly disclosed or preferably not charged to begin with.
I sold a house and closed on it XXXX XXXX. At the time of closing, all taxes with XXXX County Tax were paid in full. When I went to the Tax office when I saw it on my credit report, they agreed and just gave me a paper that showed it paid. Again, All taxes were paid in full when I closed on the house in XXXX and this lien was filed in XXXX. I did not own the home at that late date as it was transferred to the new owner XXXX XXXX, XXXX. Please have Transunion remove the lien from my credit report.
XXXX XXXX- is VERY AGRESSIVELY, and TOO AGRESSIVELY attempting to collect on the debt that is not mine in first place. I contacted XXXX in XXXX as soon as I saw this collection on my credit report. XXXX could NOT find any negative accounts in my name.. I still have my phone active and in current status with them ... In XXXX I disputed this collection with convergent, the dispute was within 30 days of them notifying me and posting this collection on my credit report. Per Fair collections practices act I disputed this account within statutes of limitations and they should have removed it form my credit report immediately, but they ignored all of my letters and keep aggressively calling me on my cell, house, work and now at my parents house ... this is outrageous and should not be allowed. please help me stop these XXXX!!! I am also filing an official complaint with FTC I spoke with a representative who took all the information and I have sent all supporting documentation and recorded phone calls with threats and harrasments and their agents acting as law inforcement!!!
I recently opened personal checking and also preferred business checking accounts with Citibank. Yesterday, I linked my account ( same owner ) in another bank to Citibank for " External Transfer. '' However, Citibank puts a daily limit of {$2000.00} for online transfer to account in another bank even though they allow another bank ( via same transfer method ) to transfer In ( to Citi ) up to {$100000.00} max per day. When I called Citi support, they asked me either use Bill Pay or do wire transfer to my own account in another bank and pay wire fees every time. Bill Pay does not meet requirement of account to account direct transfer from XXXX bank to another. The only viable options are online account to account transfer ( XXXX3 bus days ) or wire transfer ( same day ). So I think it is totally unfair that Citibank insists its clients to use wire method to transfer funds to another bank for funds above {$2000.00} but allows free transfer of funds into Citi up to {$100000.00}. I was also told by Citi person that Federal regulation prevents Citi from increasing this limit above {$2.00} per day, which I am not sure is true (? ). If this was true, then why my other bank ( Tech CU ) lets me transfer out up to {$100000.00} per day. 

My multiple calls to Citibank have resulted into no clear answer or willingness to even address this problem. I would highly appreciate if someone from CFPB can investigate this and ask Citi to either increase their daily limit for online transfer of funds to external accounts or waive wire fees in such cases. Pls note online transfer takes XXXX3 business days. 
Thanks, XXXX
XXXX XXXX XXXX XXXX is reporting a debt that they charged off and can not legally verify belongs to me. I have no recollection of the said debt yet all 3 credit reporting agencies refuse to remove the debt after several rounds of dispute. None of the 3 credit reporting bureaus have provided any documentation with my signature nor anything that validates the accounts. They simply refuse to follow the FCRA section 609 guidelines. Equifax, XXXX, and XXXX XXXX continue to willfully report this inaccurate information and severely affect my potential to receive credit. I have asked for copies of verification of the original contracts or bills singed by me, which by law, is my right. I have yet to this day to recieve such verifications on any dispute i have ever filed.
American Equity Mortgage has accessed my credit report with out authorization. 
Re : XXXX Would like this inquiry removed from my credit report.
I was contacted by a third party trying to obtain a payment for late student loan payments, they offered me a deal if i made XXXX payments of {$400.00} totaling XXXX My balance would go down to {$0.00}. I was under the impression that i owed nothing and that i paid everything off I even receive mail monthly stating i do n't have a balance, but when i go online to look at my credit report i see XXXX loans with a balance of zero that were closed on XXXX/XXXX/XXXX then XXXX loans of the same amount were reopened on XXXX/XXXX/XXXX i 'm confused as to what i actually paid for, i dont have money to just be paying please help.
I was called once by the company. Told them I have no knowledge of this account and have never had service from the company. That same day the filed a collection account to XXXX credit bureau. I disputed it and it was removed the same day. He has called over 4 times that day when I answer they never talk and then hang up ...? Then the next day my XXXX credit report says I have two collection accounts from the same company.this is being disputed now along with the XXXX. Now they are still calling 5 plus times a day but when I answer they just hang up. Also in Florida if I am disputing they are not aloud to call.
I 'm seeing a hard inquiry by Cbna on my credit report, never saw it before but it appears now on my report from XXXX saying its from XXXX 2016 I never requested anything from this company I 'm almost sure it 's a ID theft issue please provide me some help as I ca n't go thru XXXX, I 've tried but for some reason it does n't let me go thru. Thanks
XX/XX/XXXX, I fell upon hardship, went through a difficult divorce and then had a significant loss of income. My home was mortgaged with Washington Mutual. Right during this time of troubles, the title of my mortgage was transferred from Washington Mutual to Chase Bank. After attempts to rent out and refinance my home, it as foreclosed upon in XXXX XXXX. 

Upon research I have found the following with regards to others in my same situation : " The vital allegation in this case is the assignment of the loan into the WAMU Trust was not completed by XXXX XXXX, XXXX as required by the Trust Agreement. This allegation gives rise to a plausible inference that the subsequent assignment, substitution, and notice of default and election to sell may also be improper. Defendants wholly fail to address that issue. This reason alone is sufficient to deny Defendants ' motion with respect to this issue. '' Through fabricated assignments, endorsements and affidavits that purport to transfer Deeds of Trust, notes and the rights to money due under thousands of non-negotiable promissory notes, Chase is playing " hide-and-seek '' with debtors and judges. 

The XXXX-paragraph complaint seeks an order vacating all Bankruptcy orders, claims and awards granted based on Chase 's misrepresentations and deceptive business practices.They don NOT have the original title deed. If they cant produce it they have NO legal authority to collect or foreclose. All mortgages bundled and sold on the stock market were separated from their original tile deeds.
I wrote Midland Funding a debt validation letter on XXXX XXXX, 2015 via USPS Certified Mail with Return Receipt ( See Midland Return Receipt Attachment ). I asked Midland Funding to provide written documentation proving that the alleged debt belonged to me. ( Please see XXXX Validation Letter Attachment ). 

I asked Midland Funding to provide the following : -What the money you say I owe is for-Explain and show me how you calculated what you say I owe ; -Provide me with copies of any papers that show I agreed to pay what you say I owe-Provide a verification or copy of any judgment if applicable ; - Identify the original creditor ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and-Provide me with your license numbers and Registered AgentI received a letter from Midland Funding on XXXX XXXX , 2015 ( the letter is dated XXXX XXXX, 2015 but it was not received until XXXX/XXXX/15 via USPS ) that simply stated that their records showed no inaccuracies ( See Midland Funding Response Attachment ). They did not provide adequate information to prove that the alleged debt belongs to me.
I XXXX XXXX have a mortgage along with my mother with Wells Fargo Home Mortgage. My mother is completely out of the equation right now as she is nearly XXXX years old and living in a XXXX XXXX. When I was out of work from a serious medical condition, I had nobody to help me with my obligations. However, my house went into foreclosure and I was told that my only remedy was to file a Chapter XXXX bankruptcy petition. I realize that the filing might have been a short tern solution, but I believe that as a member of the XXXX community who has lived within the law all of her life, that I was abusively mistreated by Wells Fargo Home Mortgage. Once I was back to work my mortgage could have easily been restructured. However, I was treated badly by representatives of Wells Fargo even though I should have been granted a modification with a forbearance included. I hereby submit my protest through the CFPB, so that I can have it posted on public record that as a member of the XXXX community I was bullied into a bankruptcy that was totally unnecessary. I desire to dismiss my Chapter XXXX and open a line of communications to restructure a true modification under my protective rights with the Fair Debt Collection Practices Act. I am requesting a full QWR on my property indebtedness to find out the true ownership of its note, and I intend to file a formal complaint with the FDIC within the next week. I demand a full review of my file and an assignment of a qualified loan officer to help me restructure my mortgage serviced by Wells Fargo Home Mortgage.
I paid off in full an account, XXXX XXXX, that was past due. I have received a letter from XXXX that it is paid in full yet they wont submit to credit agencies. And when I disputed it twice now, they claim its still unpaid even though I have a letter that says otherwise.
I have sent numerous letters to update and correct my personal information on file with their company. request asking this credit bureau to update my credit file by removing all inaccurate personal information. I have asked for my address, name, social security number, date of birth, and employer to be updated. Additionally, I have asked that they remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and  they are not reportable as per the FCRA, since they are inaccurate. I enclosed a copy of my drivers license, passport, SSN card, and proof of residence on numerous occasions. As of today, old information still exists on my credit report.
This company has an account listed on my credit report, not once but TWICE for the same amount. I've had an account in good standing with XXXX for YEARS. I just recently closed my XXXX account and went to a prepaid service, in XX/XX/XXXX. Meanwhile, this fraudulent company has a XXXX account listed for {$1100.00} twice on my credit report. I've already sent in a letter and proof that this is not my account. I have not heard back and this is hindering my credit report. 

One account was last reported on last reported XX/XX/XXXX and the other on XX/XX/XXXX.
Credit Collection Services of XXXX, MA XXXX XXXX XXXX XXXX. Called on XXXX/XXXX/2016 to settle an account. Amount owed was {$74.00}. Offered to settle for 50 % of the balance. They agreed. The electronic check they took over the phone cleared the bank on XXXX/XXXX/2016 was for the full amount instead of {$37.00}. Called on XXXX and they offered to send me a check for the difference. This is an outrageous practice of charging the full amount after having to agreed to a lesser amount and then I have to XXXX them to recover the difference. I 'm guessing this is against the law.
Hello, I had a past credit card with XXXX XXXX that was opened on XX/XX/XXXX. The account was settled for {$270.00} and closed on XX/XX/XXXX. 

Since then XXXX XXXX still has the account on my Credit Report with Negative marks each month for non-payment and showing a balance of {$370.00}. This has had a negative impact on my credit score for years. 

It has made my rates on car purchases, and even my mortgage be higher than it should be. 

I have disputed this account with the different credit report companies such as Transunion ( still open dispute since XX/XX/XXXX ), and with XXXX. They have been unable, or unwilling to remove this false information. It looks like MANY unpaid payments, late payments, high balance, etc when in fact the account was settled to {$0.00}. 

I also have contacted XXXX XXXX multiple times. They show I made the settlement payment on XX/XX/XXXX and they still have not fixed this issue on my credit report. 

At this point who knows the damage this long standing error is causing. I have contacted XXXX XXXX again today and was told the same information. They refused to send me a copy of the payment receipt and said they could not until after they do another dispute review, I will contact my bank to get a copy.
TransUnion has refused to update my personal information correctly several times. I have sent numerous letters asking them to correct my information. They just keep saying verified. Verified with who??? Here is my Identification with my proper address. I told them I never lived at the address they are reporting. They said the creditors are reporting this. The creditors " reporting '' this address is the account opened by the identity thief. Attached is my proper Identification and address. I would like my correct address displayed properly on this credit report and not this fraudulent address. XXXX XXXX XXXX XXXX XXXX DE XXXX
Thursday, XXXX XXXX 2017, XXXX XXXX PST, and other times Robocaller identified self as " Trans World Systems, INC > '' Recipient informed that call is to collect debt ( unknown type. ) Instruction given to call " XXXX XXXX XXXX '' at " XXXX '' An I.D . code = XXXX was given.

Robocall came from " XXXX XXXX '' " XXXX ''
Victim of identity theft, XXXX : XX/XX/XXXX XXXX {$620.00}, reported to credit bureau. XXXX XX/XX/XXXX an inquiry that was not consented. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX address reported that was never lived in by defendant. {$2300.00}. I have contacted companies to dispute but was told that I have a common name and it was attached to my credit report.
Chase Bank while I was traveling on the road in XXXX without notice shut down my debit card and account last week without explanation. I had no means of using another debt card while traveling alone on the road. I also have no access to banking information. 
I was inquiring about a claim that week because the bank has taken too much time to resolve XXXX outstanding claims exceeding {$600.00}. I met with a banker, upon my return to XXXX, and the Branch Manager clearly stated that he did not know why my account was shut down ; and did not notice any unusual activity. In fact, the bank did not even give the banker a reason. I could not use my Debit Card at all and had a recent balance of {$940.00}. I had to withdrawal funds from my checking account this week of {$230.00} and have funds missing without even a withdrawal from my previous balance. I recently contacted the claims department and claims clearly, stated, " that the investigation of my claims will take 45 days '' when this time frame has already lapsed. 
I find this type of conduct from a bank unlawful, and I had no means to travel with a card to use for a car rental, which cost me {$250.00} of added travel expenses in order to obtain another card for a car rental, because I had to extend my stay.
In XXXX I took out a 30 year mortgage with HSBC at 5.875 %. Subsequently the market crashed and the condo price has decreased and thus I am upside down even at today 's ( XXXX ) market value. I had contacted HSBC in XXXX and did so now and the answer remains that same that since the loan is not backed by XXXX/FHA hence there is no recourse for me to use XXXX HAMP. While almost every of my neighbours have used XXXX to their advantage I am still stuck at the higher rate and PMI. Luckily I do not have problem in making the making the loan payment but I would like to take advantage of a lower rate as available for ordinary consumers.
XXXX stated I opened an account with XXXX/XXXX XXXX XXXX on XX/XX/2015. i never opened an account with XXXX XXXX XXXX  or XXXX on XX/XX/2015. I have asked this company to provide signed application, copy of drivers license and they have refused to do so. This is identity thief and I want this fraudulent account remove from my credit file. I have also asked Equifax to remove this account and investigate this account and they refused to do so. I'm not sure why Equifax is allowing a fraudulent company report fraudulent account to consumer credit file. The account number is XXXX per XXXX  please send me copies of where I signed credit card receipts since XXXX and XXXX XXXX is saying I owe {$610.00}. The Fair Credit Reporting Act, 15 U.S.C. 1681 is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Equifax is not following The Fair Credit Reporting Act and I want something done about it.
In XXXX, 2016, I submitted complaints to both Bank of America and XXXX about the fact that Bank of America was not reporting the balance on my XXXX XXXX card correctly. 

Rather than fixing the real problem, all that Bank of America has done to date is not report the card/account to XXXX. It has always been a credit account in good standing. At this point, this is causing me financial damage in that it is preventing me from obtaining better credit terms.
on X/XX/17, I received a {$400.00} deposit into my savings account from Riverbendcash.com. I never authorized this loan nor did I ever have any contact with them prior to the monies being deposited into my account. I called their customer service line and asked them to please reverse the deposit and take their money from my account and to block my account from any future deposits/drafts from their system. In addition, I requested how did they receive my information. The rep provided me with a phone number I use to have 10+ years ago and an email I had 15+ years ago. Under no circumstances did I ever request, authorize or consent for this loan.
I've been in contact with Nelnet since XX/XX/2018 due to the incorrect reporting of my loan structure and misinformation during the time of my loan setup. 
The first issue is my loan is being reported on my credit as three separate loans based on disbursement when the online Nelnet website two balances. Group A and Group B ( Which you would think means 2 loans ) However, after missing 6 months of payments which I thought would only be 6 missed payments- I've now received 18 missed payments for those 6 months and I was never told that I had three loans. Online it actually only shows that I have two groups ; meaning two loans. I was never told that my one payment was being dispersed to three different loans and If I missed one payment I would miss a total of three because I thought that If I was paying off three accounts I would have three payments coming from my card and not one.
Did not disclose communication was an attempt to collect a debt Not enough information to verify debt i.e. amount of debt & name of creditor Did not receive notice of right to dispute assignment fraud was to the servicer assignment fraud was challenge in 2012 upon discovery they dismiss the case of fraud assignment was prepared by co-conspirator XXXX XXXX, PC, and debt collector XXXX XXXX, Na ( XXXX ) XXXX, XXXX XXXX ) without document of true fact of who the owner note, or mortgages are .lack of transparency and fraud activities
I applied for a refinance through a real estate agent, sent in all the required paperwork, esigned all the required paperwork, and paid for an appraisal. Once my file was in underwriting, the underwriter told the realtor my 2015 tax return was incomplete because XXXX was not filled out, and the return needed to be amended. I did not fill out this part of XXXX since I filed form XXXX. I was told once the underwriter received the amended return the loan would be approved. I told the realtor I did not agree with this ruling because I felt my return was filled out correctly and no amendment was needed. I said this for the reason that when you file form XXXX, you do not fill out XXXX ; you do not do both, it is one or the other. The realtor told me it would be great if I could get that in writing where she could submit the letter to the underwriter. So, I contacted XXXX attorneys ( XXXX being a tax attorney, XXXX being a real estate attorney ) who confirmed that when you file form XXXX, XXXX should not be filled out. The underwriter was wrong, and the attorney did write a letter to this effect that I submitted to the realtor, who submitted it to the underwriter, and some more people involved she told me. In the meanwhile, the realtor informed me that when a decision is not made in 30 days, what she could do is withdraw the loan until I either amend the return or produce the letter. The loan was neither approved or denied at this point. To my surprise, I received papers in the mail indicating I had withdrawn the loan, and in terminology as if the loan had been denied. To date I have not heard one way or the other what the outcome was after reading the letter from the attorney. I am most upset over paying for an appraisal.
I am a XXXX year ( XXXX ) mother of XXXX and my husband has XXXX and XXXX ... I 'm the only person working in my household. These negative credit reporting practice system is affecting my ability to find affordable housing for my family and this may lead to us being homeless. Please, help me resolve this issue. I have disputed negative items on my credit report with XXXX, Transunion and XXXX at least 5 times in 2016. I believe the XXXX, Transunion and XXXX Credit Reporting agency is in violation of my civil rights and prejudice against minorities, because no matter how many times I provide evidence I paid my debts they are unwilling to remove the old data from my credit report. They continue to report athat least XXXX accounts as collection or late payments. I resolved and paid all these creditors. Also, I believe this credit bureau company is unfairly reporting old credit card data from creditors even after I settled and paid these debts. I just want the negative accounts removed from my report so my credit rating can improve. I want to move on with my life and find affordable housing for my family.