WillisBack/dataset-financial-user-claim huggingface dataset:
I 've submitted more than a few request for deletions by phone and by mail for all three of the credit bureau, XXXX, Equifax & XXXX. Effective XX/XX/XXXX law went into effect regarding the removal of public records and tax liens from credit reports, that if an item is on your credit report if must reflect Name, Address, Social Security Number/and /or birthdate this was issued from XXXX XXXX XXXX XXXX XXXX XXXX which became law. None of these  credit bureau have that information which has been made law and the records should be deleted from my credit file. 
In the same request I 've asked the three above listed credit bureau to provide me with a copy of the application or any verification that has listed negative information on my credit reports, specifically inquires made on ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ' & XX/XX/XXXX. ( Equifax ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX.
To date I have not received this information and again they are  stating they will not provide any verifications. There is also negative information reporting from a XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX account ending in XXXX, I have ask for verification paperwork to be sent to me and requested that it be deleted, the credit bureaus have refused and is not in compliance with the RECORD KEEPING REQUIRMENTS, Section 609. The 15 U.S. COde 1681g-Disclosure to consumers requires CRA 's to disclose the sources of  information regarding the negative events that are being reported by your agency upon request by the consumer. The credit bureau are regulated by the government due to the nature of their business. 
I am asking that all the above injurious items be deleted from my credit report from all three of the credit bureaus XXXX, XXXX & Equifax. 

" Great minds discuss ideas ; Average minds discuss events ; Small minds discuss people '' ~selah~
About the last 18 months or so I've noticed a bankruptcy on my credit report in a state Ive not lived. Also there were 3 accounts opened in a credit union that I don't remember ever opening. I've tried to deal with this company for months without a resolution. I even sent an affidavit to the NJ courts and asked them if they released any information about me to the credit bureaus after I asked them to launch an investigation. The bureaus said they verified the information to be accurate, how could they do an investigation and state it was mine and the source said they didn't send any information about my name to anyone. The bureaus or any other 3rd parties. I wasn't sure if this was identity theft but I filed a police report because my wallet was stolen a few years back and I had social security card, birth certificate, and driver 's license in side of it.
I filed a dispute on XXXX XXXX, 2015. I requested validation after not receiving a dunning notice, bill, etc from the collection agency. The name on this account is not my last name. I have never had an account with XXXX. This account was previously being reported by a different collection agency and was deleted because they could not validate the debt. How is this company able to validate? The validation I received is just a print out from the debt buyer. I called XXXX and they have no accounts with my name. This is obviously a mix up and it is destroying my credit rating.
I have an existing home loan with CitiMortgage. I have automatic payments made from my credit union on the XXXX day of every month via a bill-paying service. 
I was charged a late fee of {$48.00} in XX/XX/XXXX because my payment was received on XXXX XXXX ( it is due by the XXXX ) My credit union statement shows that the payment was deducted from my account on XXXX XXXX. 
I checked with the bill-paying service, and they sent me a " proof of payment '' document showing that the payment was RECEIVED by CitiMortgage on XXXX XXXX at XXXX XXXX. 
CitiMortgage appears to be charging a late fee on a payment that was NOT late!
In 2014 I was advised to consolidate my loans, including my parent plus loan. Because of the negligent advice I am now unable to qualify for a lower payment with the income based payment plans.

Each time I call XXXX XXXX I am told something different by different agents. It is very frustrating and I finally had to pay a nonprofit debt service to help me and give me sound advice about my student loans.

I feel that the agents at XXXX XXXX  need proper training.

The error of consolidating all my loans is a difference of about a {$400.00} to {$700.00} dollar a month more in payments. I just want to get my payments down to an affordable amount.

I recently was told to re-consolidate my parent plus loan and now my new payments went from over {$1000.00} to {$1300.00}. How is this helping me lower my payments if it has now gone up by {$300.00}.

Please contact me about this issue because I have more horror stories about the untrained agents as well as recordings of them giving me inaccurate information.
I have a credit card with Bank of America that used to carry balance. I paid off balance in full in XXXX, but in XXXX I was charged {$1.00} minimum interest fee. I called the bank and their representative was trying to convince me that it's an interest on purchases. However, in my statement it's clearly stated that no balance was subject to interest rate. After I pushed for connecting me with a supervisor, the representative talked to someone and gave me unclear explanation of the situation. He claimed that the change appeared because I had balance in the previous cycle and was subject to interest rate charge, which doesn't make sense since I paid the balance off. This month I made sure to pay off my balance and took sreenshots of my account to have a proof, yet I was charged another {$1.00}. It's not that much cheaper money, but it's very unfair that Bank of America keeps charging me and their customer support can't even provide explanation of the charge.
My credit card company failed to notify me that a payment is due for this past month, with the the payment due on XX/XX/2017. The company typically sends an email message to me, rather than mailing a statement, to inform me that a statement is available to view. To clarify whether I have attempted to resolve this issue with the company, I have had this issue with this company in the past, several years ago, and informed it at that time on more than one occasion that it did not send a statement to me. However, I did not inform the company this time because clearly any problems I have had in the past did not get resolved and the company is failing to ensure that this does not occur again.
I voluntarily gave the XXXX XXXX XXXX ( SNACC ) back their car, which is considered a voluntary repossession. This occurred early XX/XX/2016. SNACC was supposed to " auction '' the car off, but i was never notified of the sale. But They report a closed $ XXXX Balance on my credit report.
There is a discrepancy with the fees that are charged for mobile check deposits by Regions Bank. On XX/XX/XXXX I deposited a check for {$400.00} ( requested immediate availability ) and was charged {$5.00}. On XX/XX/XXXX I deposited a check for {$400.00} ( requested immediate availability ) and was charged {$16.00}. On XX/XX/XXXX I deposited a check for {$400.00} ( requested immediate availability ) and was charged {$5.00}. On XX/XX/XXXX I deposited a check for {$550.00} ( requested immediate availability ) and was charged {$5.00}. 

Regions Mobile App reads " Available immediately - 1-4 % of the amount of each check, depending on check type and amount ( {$5.00} minimum fee applies ). 

The check type **PAYROLL qualifies for the 1 % Fee or {$5.00} ( whichever is greater ). For the past 32 months ( approximately ) I have deposited the same payroll check into my bank account weekly and have been assessed charges from {$12.00} - {$18.00}.
i made a purchase from XXXX on XX/XX/2018. the book i ordered from had a three or four month deferred payment. XXXX coustomer service person dropped the ball on entering the correct info, a couple of weeks later i had to give them the catalog number because the first representative did not do it correct.a payment should be for XX/XX/XXXX but they say i was 42 days pass due and another rep. said i was 12 days pass due but they reported me having a 30 day late on my credit report. that is incorrect and i am asking for that to remove from my credit report and to remove the late fee.
I had made a previous complaint, #  XXXX  regardi ng SPS, Inc. not sup plying a mortgage note in a timely manner. I have a letter fro m SPS da ted  XXXX   XXXX ,   XXXX   saying the matter would be resolved  XXXX   XXXX   XXXX , by sending a copy of my mortgage note. I called today,  XXXX   XXXX , to ask the status of the mortgage note being sent. I was told a letter would be sent tha t SPS w as still researching, and that SPS should have an answer to me within 30 days. This is not in compliance with wh at SPS o mbudsman said earlier. This delay is causing me a hardship in refinancing my curren t loan. SPS ha s stalled, made excuses and untrue statements to me since I began requesting a copy of my note since late  XXXX  or early  XXXX .
To Whom It May Concern, I have a collection account on my  XXXX ,   XXXX   and  XXXX  credit bureau files from the company, Credit Protection, account number listed as  XXXX . Please be advised that I am disputing this information due to the fact that Credit Protection does not have a valid license/is not bonded in the state of Texas to collect debts. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. The attached copy states that a license/bond for Credit Protection DOES NOT EXIST according to the Texas Secretary of State database of license/bonded debt collectors. I am requesting that you investigate this matter and delete from my credit file immediately. Your immediate response will be greatly appreciated.
In late XXXX of XXXX, my wife and I decided to purchase our first home together. After careful consideration, we decided to build our dream home and use my VA loan for the first time ( 11 year and XXXX XXXX veteran ). We decided to use AmeriPro as our mortgage lender after being referred from a friend and seeing a positive record of being Veteran friendly. In XXXX XXXX, AmeriPro gave us a conditional approval and the builder decided to build our dream home. During the next few months, I personally worked hard to make sure we hit every single condition. Over those months, we were occasionally assured by AmeriPro that everything was on track to close on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, AmeriPro contacted us and stated my wife had to be on the job for six months before we could close ... Although this was very frustrating in the last minute notification, we understood the oversight and decided to wait out the remaining month until she hit her six month mark at her current employer ( XXXX XXXX, XXXX was the six month mark ). We contacted our rental agency and placed our 30 day notice, being assured there was no reason why we should n't be able to close in XXXX. We were told now that XXXX XXXX would be our closing and nothing should prevent us from closing on that date. Ten days before closing ( XXXX XXXX ) we were confirmed to still close on XXXX XXXX, XXXX. A week before closing, the bottom fell out from underneath us, AmeriPro called and said there was no way to close on the XXXX of XXXX, XXXX because the VA required my wife to be on the job for a year. We pleaded that this was NEVER part of the conditions list and that we were now at risk of losing everything ... our {$10000.00} deposit, our current home ( rental ), the rental deposit, additional moving expenses and .... our dream home. AmeriPro apologized, but said there was nothing they could do and it was an oversight on their part. The piece that made this so frustrating is AmeriPro did n't care that a US Veteran was going to be homeless with his family and took ZERO accountability for their mistake or lack of professionalism and communication. On XXXX XXXX, my family and I were forced to move in with relatives, rush to get our furniture placed into storage and take on additional expenses. The lack of accountability and communication from AmeriPro is totally unacceptable. At a minimum, AmeriPro should have offered to come up with another solution, pay for the additional moving expenses and temporary housing ( at least 2-3 months ). I would hate to see anyone go through something like this as I 'm sure the mortgage industry is not set up to see people frustrated and homeless.
This relates to CFPB claim XXXX against Peoples United Bank XXXX XXXX XXXX. CFPB closed claim XXXX prematurely while a response from XXXX was still pending and the matter not resolved. I received a request from XXXX on XXXX/XXXX/XXXX for more information. I have faxed XXXX the additional information which is attached to this CFPB.
I am disputing a XXXX day charge that was on my credit report from Chase. I received a courtesy call from Chase 's customer support team on XX/XX/XXXX at which time I made an over the phone payment of {$270.00}. The customer support individual than proceeded to tell me that I would not receive a late notice on my credit report. In addition, the lady discussed an option of setting up auto pay through her, which I agreed to as it would avoid this from happening in the future. However, to much to my aggravation a late notice was placed on my credit report and the auto pay program was never setup for my credit card account. 

On XXXX different occasions I called Chase customer service to see if we could resolve this late payment notice problem and I requested the support individual to pull up the call from XXXX XXXX to prove that this conversation had indeed occurred. I was then informed that they were unable to find that specific call which then I was transferred to another department and they proceeded to tell me the same thing and transfer me again to another department. Each department that I spoke with were unable to resolve removing the late payment notice on my report or find the original call from XX/XX/XXXX and each representative told me a manager would call me back about this issue but I never received a call from anyone. 

I send a letter to Chase 's Executive Office on XX/XX/XXXX and received a letter back dated XX/XX/XXXX which did not address any of my concerns. I call XXXX XXXX, the Executive Office rep, and never got a call back. I called again and finally reached XXXX XXXX and she looked into everything and was unable to find the call from XX/XX/XXXX and said that Chase does not feel that this is a bank error.
HSBC Mastercard On XX/XX/2018, I made an electronic payment {$1800.00} to HSBC and On XX/XX/2018, the payment cleared my bank. This brought my balance to XXXX. 

On XX/XX/2018, I tried using my credit card and a charge of {$87.00} ( XXXX XXXX ) was denied. 

When I contacted them, they explained that the payment I made was being held for 2 weeks. 

This was very poor customer service, appears to be unfair and a illegal business practice. 

XXXX XXXX XXXX XXXX XXXX
TransUnion has not increased my credit score where it is suppose to be after all debt was closed in good standing and/or removed. Also it reports i have XXXX collections and have only XXXX open accounts in good standing but the information for XXXX is incorrect which I have been disputing it with transunion XXXX with no response from Transunion. My credit report states It is basing inform " 3 years from today 's date. In which it states contradictions that effects my sore. I have XXXX late payment ( not true ) XXXX on time payments, XXXX " current '' on time payments, totalling payments to be XXXX. But the grid they display is showing no late payments and all payments on time. Also it shows the grid shows XXXX, XXXX payments being code for " unknown ''. and counting it as XXXX missed Delinquents payments and XXXX missed payments ... And refuse to demand XXXX to explain and/or fix. I explained that During those years I was under XXXX XXXX mortgage modification program in which it clearly states and the bank stresses that any late payments during this process ( XXXX, and XXXX ) mortgage will be denied modification. I completed the program successfully with no late payments on my mortgage being modified. Trans Union, XXXX, XXXX marked those years unknown, delinquent, and missed payments all at the same time which is NOT TRUE. Which " XXXX '' ( nothing ) in collections XXXX accounts open in good my score should be more than XXXX. I need all credit bureaus, and XXXX investigate and my credit and report corrected.
I keep receiving calls from Transworld Systems , Inc. claiming that they are attempting to collect a debt. When I called back, they asked for my late husband, and will not tell me to whom the alleged debt is owed. There is no debt owed by my late husband, but even after I said I would file a complaint with the Consumer Financial Protection Bureau, they continue to make daily calls. This must stop.
WELLS FARGO HAS NOT ANSWERED MY QUESTIONS AS TO WHO WAS WHAT IN THE INVOLVEMENT OF MY MORTGAGE AND FORECLOSURE. I AM SENDING MY REQUEST FOR THOSE ANSWERS.
XX/XX/XXXX I hired XXXX online company to help with marketing of my consulting business. This company`s CEO promised that they will create webinar to generate customers and they will also create affiliate system that I can find partners for marketing. This company created webinar but not for one month as I expected. It took 5 months to do that and only under the pressure from me to finish the job. They charged me every month for {$750.00} and in total I paid {$3700.00} but they did not delivered Affiliate marketing system. 
I contacted Citi Card Company and opened dispute with this provider. The card responded with conditional credit and started long investigation. I sent packages with proof of my claim 3 times and I called to company at least 10 times! Every time when I called I talked to a new person who would tell me totally wrong things. One of them said that my dispute was resolved to my benefits and others did not know anything why it was resolved to provider benefits. 
They finally decided the dispute to provider`s benefit and reversed my conditional credits. They reversed all of them but they did not t even inform me about the outcome of this case. I spent 1 year trying to get money back as it is damaged my small business. I think that Citi card should work faster and better to protect our money from fraudulent providers. 
I found out that on XX/XX/XXXX I was charged by XXXX for {$750.00} dollars again. When I called to Citi card they told me that it is them returned their money for conditional credit. As far as I know all conditional credits were reversed before that. And XX/XX/XXXX Citi charged me again for {$750.00}. It is almost 1,5 years after the beginning of dispute and 1 year after the end of it! 
Please, help me to protect my account from continued charges from Citi card. And teach them how to do dispute job as this process is exhausting and frustrating. I told about that many times but no results.
Lexis Nexis has reported some derogatory added information on XXXX XXXX that has prevented me from opening checking account.
I have requested several times for Equifax to investigate things appearing on my credit and have yet to receive any response in writing from them. A request for information was mailed to them the following days : XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, last one mailed XXXX/XXXX/2015. Then contact was attempted via phone only to be told to forward the same documentation that was supplied in each mailed correspondence. I was informed that information would not be released until the documents were forwarded for which I did on XXXX/XXXX/2015. I also called again today and spoke to XXXX.He checked his records and said that everything was okay and that the address was not updated until 5 days ago XXXX/XXXX/2015 and unknown as to why it took so long only to be told it was systems error. I have not had any problems receiving information from XXXX nor XXXX and that includes scores.
Re : XXXXXXXX XXXX XXXX ; {$120.00} Balance This account in collections with XXXX XXXX XXXX is a medical bill that was already paid by my SECONDARY health insurance and violates the 180 day reporting of medical bills on credit files. The original debt collector and XXXX XXXX XXXX have not made effort to contact me about this debt. I ask that this account be removed from my credit file immediately for violating the 180 days agreed upon by three credit reporting agencies and the New York attorney general in XX/XX/2015. I dispute that this medical bill was paid by my secondary health insurance and there was no attempt by XXXX XXXX XXXX.
I paid my Bank Of America Mortgage XXXX XXXX, they received the payment in XXXX. 
I used Certified mail and KNEW when received the payment. The check cleared mybank on XXXX XXXX, 2015. I received My Mortgage Statement for XXXX, saying my XXXX payment was not received. Although the check had cleared XXXX XXXX andI was late and had a {$35.00} late fee due. I just received a letter telling me my mortgage was TWO MONTHS late and I may be facing forclosure. My payment was received XXXX XXXX by Certified mail. 
I want a full investigation done and a Equity Analysis ... .all late fees dropped and if anything is negative on my CREDIT report I want it cleared ASAP..I also want to know WHO HOLDS THE NOTE to my Mortgage ... I want to know who OWNS this loan.
I had two tax liens that were satisfied and released on my credit report with Equifax. I faxed them the release from the IRS on both liens. The lien and the release has different numbers. Instead of updating the report and removing, they took the release document as a third lien and put it on my credit file as a 3rd lien. They made a mistake, I called 5 times today to fix it, was hung up on all 5 times. They refused to remove their mistake even though they admitted no one reported a third lien. Its their mistake, its a fraudulent lien they created and put on my file and refuse to remove. They all need to be removed.
The way this bank clears transactions is extremely shady. Although all my transactions are posted on my ledger, the account balance is not accurate. On Monday XX/XX/2017, my account balance kept jumping from {$98.00} to {$140.00} and back down to {$98.00}. I 've mentioned to them in the past that their banking practices are dishonest and sometimes lead to me over drafting but they told me they can not control this, which is odd to me. On the day in question, they are having technical issues with their phones so I can not call. I reached out on XXXX and they did not address my issue with my account balance.
I sent several letters starting  XXXX   XXXX ,  2017  asking company to please verify that this account belongs to me. I asked them to send me verification in the form of my signature on any forms that I was told that made this account mine.     I received a letter back were company called my request frivolous and refused to cooperate.