WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX, I applied to Bank of America ( " BOA '' ), the servicer for XXXX XXXX ( " XXXX '' ), the lender, for a HAMP Tier 2 loan modification of my mortgage loan no. XXXX, secured by my rental property located at XXXX XXXX XXXX, XXXX, MD XXXX ( the " Property ' ). I transmitted my loan modification application on the BOA required Request For Mortgage Assistance form ( " RMA '' ), dated XXXX XXXX, XXXX, copy attached. BOA then mailed to me a XXXX XXXX, XXXX, letter, copy attached, which letter denied my RMA application for a HAMP 2 modification. The XXXX reasons stated by BOA are stated on the bottom of pg. XXXX and the top of pg. XXXX of the XXXX/XXXX/XXXX BOA letter. The first reason, at the bottom of pg. XXXX, states that the lender DB has not given BOA the authority to modify my loan under the HAMP. The second reason, at the top of pg. XXXX, states alleged reasons which are vague at best. For example, the " proposed modified monthly payment '' is not disclosed. Secondly, the manner in which the " proposed modified monthly payment '' was determined is not disclosed. Third, the document which sets " the required range of XXXX % to XXXX % '' is not disclosed. Fourth, where I fit into the range is not disclosed. Fifth, the calculation formula for the " verified income '' is not disclosed. I took the opportunity, given on pg. XXXX of the XXXX/XXXX/XXXX letter, to ask for a reevaluation. I faxed XXXX fax transmission sheets, a copy of each sheet attached, with my reevaluation request in the form of a new RMA, dated XXXX/XXXX/XXXX, copy attached, and with an updated Hardship Affidavit, dated XXXX/XXXX/XXXX, copy attached. On XXXX XXXX, XXXX, I faxed to BOA a fax transmission sheet and a revised pg. XXXX, copy attached, of the new RMA, dated XXXX/XXXX/XXXX. Again, BOA denied my application for a loan modification. BOA 's denial letter, dated, XXXX/XXXX/XXXX, copy attached, gave as the denial reason that my application did not satisfy an alleged NPV Formula to which BOA allegedly had applied XXXX separate factors without stating the manner in which the XXXX factors have been applied to the XXXX Formula. I then sent BOA a letter dated XXXX/XXXX/XXXX, copy attached, which listed XXXX reasonable requests on pages XXXX and XXXX of my letter. BOA has ignored my reasonable requests. BOA 's denial of my loan modification application and BOA 's failure to respond to my XXXX/XXXX/XXXX letter under all the facts and circumstances manifest BOA 's bad faith in the processing of my loan modification application.
Bank of America can instantly email you, to tell you when you 've made a deposit or withdrawal. But if you sign up for email notifications for a low balance, or insufficient funds/overdraft notices, the emails take up to a day to be sent out. 
By the time I receive the notification, it 's too late to do anything, and I just have to deal with multiple overdraft fees.
My name is XXXX XXXX. I am XXXX years old. I have had a difficult life but I keep trying and pressing forward. I am writing to you about a descriptency with XXXX college XXXX. I had a past due balance that i am paying them monthly on. But they sold this to another creditor when I was unemployed over 3 years ago. Life is rough and I am unemployed again and still paying back XXXX college. I am now studying to take the XXXX exam and trying to obtain employment again. I have XXXX charges for XXXX college on my credit report. this is affecting my credit worthiness as i was trying to get a loan for some health reason. I am attaching my credit and showing you my worthiness is in tact. I was turned down by XXXX. I still have XXXX charges from XXXX college and the other creditor has n't removed same. Yet I am paying XXXX college in good faith. i do not want this to effect me going to the navy as they have to run background check or lawfirms i am seeking employment with. Please advise me on same. Laws are here to help people and same by the Federal Trade Commission that it is illegal to multiple post dings for the same thing on your credit report. The FTC is the controling agency for the Fair Credit Reporting Act..
I am filing this complaint because my requests have been ignored by TransUnion. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy ''. I have requested an investigation and re-investigation on XXXX XXXX, 2016, XXXX XXXX, 2016 and again on XXXX XXXX, 2016.
: Back on XX/XX/XXXX I received a letter in the mail, looking like it was from the Department of Education Federal Loans Department. It stated they had a new program to help consolidate my student loans with an easy and faster payment plan. I called and was told they would consolidate my loans and have them payed off by XX/XX/XXXX. I would have to make payment of 2 @ {$74.00}, 10 @ {$170.00} and the rest @ XXXX per month with XX/XX/XXXX being my last payment. I filled out the forms and sent everything in and my representative said they would get back to me. The next day I had an approval and they began to take payments direct from my checking account. To this day I have paid {$2200.00}. I have found out the NONE of it has gone towards my loans, they only kept them at a {$0.00} balance due, but interest was still adding up. I WAS SCAMMED! I called both former loan companies and they said that no payment was EVER made by this company. I have been trying to call them, but only get a message saying they will return my call. I have emailed them multiple times with no response. They use XXXX ( XXXX XXXX   XXXX ) for collecting money. They as well will not answer the phone or emails! Now I finally see all the complaints online about this company, but nothing has been done to stop them. I want and deserve a refund!
I just wanted to put in a complaint about the hard Inquiries that are affecting my credit score I have not given authorization to half of these lenders. Please have them remove From my credit report.
I added an authorized user during 2017 XXXX by promotional offer for XXXX XXXX points Then I finish spending requirement but american express closed my account and did not give me XXXX points.
I have been battling with portfolio recovery and Foster, Garbus & Garbus for over a year regarding a debt that is not mine. I continue receiving letters from Foster, Garbus XXXX Garbus regarding same debt although I 've submitted documents to Foster, Garbus & Garbus proving that I DO NOT OWE said debt. These guys went as far as having my XXXX XXXX account frozen last year and I thought the issue was resolved once I submitted my documents.
XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX I have multiple inquiries from this company showing up on my credit report from the days listed below. I did not authorize these inquiries. XXXX has sent out letters on my behalf to request removal on two occasions. I am a victim of identity theft and I need these inquiries removed as it is messing up my credit worthiness.
XXXX  is refusing to prove in writing, their validation and verification process on closed accounts that they are reported as " failure to pay ". 
Accounts are closed and not from the original creditors. 
Amounts are incorrect and not the original amount owed. 
Accounts are showing inaccurate non-payments. 
All addresses except : XXXX XXXX XXXX XXXX, CA. XXXX are to be removed All Hard Inquiries except XXXX XXXX were NOT approved by me.
I received my credit report and Discover Financial Services account number XXXX is on my credit report. I did not open this account this is a fraud account. I have a fraud alert on my credit report I have talk with Discover and ask them to validate this account and to provide me with proof that this is my account. they will not provide me with any proof that I open this account this account will not verify the account please help ...
I opened a checking account with Chase bank. I funded the account and set up online banking. I attempted to login to my online banking and received an error message saying I had been locked out. I called Chase and was told that the bank had decided to close my account and that they were not obligated to tell me why. Since Chase is a creditor that uses credit reporting agencies - some specific to banking such as XXXX XXXX I feel like my rights under the Fair Credit Reporting Act have been violated. Given that JPMorgan Chase is a repeat offender of blatant FCRA violations I felt making this report should be necessary.
Within the last two years I have used Western Union to wired thousands to my sons living out of state and instantly paid the corresponding fees. On XXXX XXXX, 2016 I wired money plus processing fees through the WU online system. This money was not need by the receiver so I requested a refund on XXXX XXXX but each day WU 's customer service representatives and supervisors refuse to provide that refund. They 've even gone as claiming that XXXX Bank refused to process their refund. This statement is absolutely dishonest as verified by my bank, which confirmed no attempt to refund this money was ever made. Later, I was told a new MTCN number would be provided to me and I can pick-up the refund at a WU location. Each day I am told a new MTCN tracking number would be given and each day I receive the same talking-points stating the tracking number will be available tomorrow. 

Due to change in my financial status, I am now on XXXX and withholding these funds has added to existing financial hardship for me. The public trust Western Union and it 's a sad commentary to know a global organization has such little regard for its customers and business ethics.
Dear CFPB officer, I found out on XXXX/XXXX/2016 that my Citibnk account was closed before receiving any notification. I called Citibank customer service and they can not give any specific reason of closure of the account except for stating my account is not in compliance with their policies. 

I have all my daily online banking and payment activities set up through this account and it is really a big shock to me that Citibank can stop their service like that. I was informed that my account was closed on XXXX/XXXX/2016 and the remaining balance of XXXX+ dollars will be mail to me as check format in 4-7 business days, which I would think is illegal possession of my fund. More ironically, I was charged a XXXX service fee and my account balance as of XXXX/XXXX/2016 is -XXXX and I need to go to the local brunches to make the payment. 

Even though, as per Citibank 's customer service, they have the right of terminating their services based on their policy, I would not believe they can just pull the plug like that. It feels like pushed out of a restaurant whille eating and pushed out of a hospital while treating. 

At least, I would want to know the specific reason of Citibank closing my account. I need them to waive the XXXX dollar servicing fee as of XX/XX/XXXX and pay me additional interest for possessing my fund from the time my account was closed to the time I receive the refund check. 

Thank you very much and your help is highly appreciated. 

XXXX XXXX XXXX
I have reached out to all 3 credit bureaus as well as Toyota Financial to have my credit report updated with no resolution. I purchased my car ( XX/XX/XXXX Toyota Corolla ) brand new onXX/XX/XXXX. My vehicle was repossessed and redeemed in XX/XX/XXXX. My contract was satisfied XX/XX/XXXX however this item still shows negatively as a redeemed repossession. I was told ( by the credit bureaus ) that items stay on my report for 7yrs from first reported delinquency but this repossession is 10yrs old. I confirmed this with Toyota who says they haven no control over how long the info is on my report but they have total control. Why are they reporting my loan only for the last 6months of the lease which makes it look like it's 6yrs old as opposed to the 10yrs since it was actually first reported delinquent and repossessed. They keep updating reports on my report but that info is incorrect. This loan goes back to XX/XX/XXXX. I am trying to resolve this without dealing with either parties mentioned again directly and I am currently waiting for my account history in the mail ... if needed.
XXXX is reporting an account on my credit report when I have never had any kind of contract or agreements with them for them to be reporting on my report. I have contacted them and they stated they can not discuss the account with me.
I disputed this account and asked for it to be verified and validated. I never received any proof of anything from credit bureau nor finance company.
I feel that I have been denied a loan modification because my husband, that has passed got behind. but for more than a year I have kept the mortgage up. They keep selling our loan. With this always a higher interest. I pay 8 to 10 thousand a year on interest alone. with only XXXX coming off each year. this will never get payed off. This is so unfair. I have tried to refi. but I have a chapter XXXX to pay up my bills from my husband. I just want a better rate to pay it up faster. the mortgage company says the don ' t do any in NY. but take my money. Help please.
I signed up for a secured loan to help build my credit but they are not reporting my payment. They are taking my money but not showing I 've made my payments.  XXXX  and  XXXX  is still not posted.  XXXX  payment just posted a few weeks ago.
no phone number to call company and ask how is checking my credit Loring, See if you 've made progress toward building a credit score. 
You last checked in on XXXX/XXXX/16. 
Credit Karma , Inc., XXXX. XXXX XXXX, XXXX XXXX, CA XXXX
I was an student in XXXX in XXXX Texas school close because fraud and they charging me the loan I was there around 9 months, I contact customer service and they say it will take them up to 18 month for an answer to move that of m credit report because in collection at this moment
I've never went to the doctor in the state of Texas. I've never received a bill or communication to dispute anything. I checked my credit report and this 3rd party company Commonwealth financial has put a negative mark on my account for a medical bill I don't owe. I contacted the collection company and I get a full voicemail of a woman 's phone not even a company. they cant tell me who the original creditor was or anything else with the account. I really need this collection off my report. I don't know what to do.
In XXXX, I was contacted by Bronstein and Weiss Arbitration about a payday loan I owed of about XXXX dollars. I was willing to pay, as I am not arguing the loan. After making an initial payment, and XXXX other, I was unable to make the folowing ones because of income. The deb collector contacted me, threatening to " Contact the DA and to have legal and criminal action taken against me ''. I paid another amount and got a receipt, which has my name spelled wrong ( it 's attached ). When I confronted them and asked them for an email or letter regarding the debt and how much I owed, they said they could n't do anything besides the initial deal made between the XXXX of us. They would n't even send me a letter confirming the debt, or anything about it. XXXX weeks ago they contacted me for the last XXXX dollars, threatening again, legal and criminal action. XXXX XXXX XXXX said that his " lead attorney '' was willing to go to court and have criminal action charged. When I asked to speak to the lead attorney, he dodged around and even asked " Ca n't your parents just pay for you? ". He said if I do not pay by XXXX that they would have to press criminal charges.
This complaint is written in reference to a Midwest recovery system LLC acct # XXXX listed on my XXXX major credit reports illegally, in regards to a collecting a debt I do not owe. I have sent request for validation via USPS certified mail/ return receipt requested at the beginning of XXXX XXXX. I have not receive any response! According to the Fair Debt Collection Practices Act, a debt must be 100 % true and accurate. This company has place their name Midwest Recovery Systems acct # XXXX on my XXXX, XXXX, and XXXX reports without validation. The original creditor XXXX whom this company is attempting to collect false funds, have misapplied any payments I may owe. To my understanding I had a checking account with XXXX back in XXXX and I close the account in XXXX, due to limited supply of branches. I wanted to join a bank that was bigger, However, I did not leave the company XXXX with any outstanding balance. Neither was I ever inform of having a balance with them. It has been 6 years since I banked with XXXX whom this company Midwest Recovery System LLC is attempting to collect funds. I have been trying to resolve this matter amicably with this company. Failure to comply to FTC regulations regarding debt collecting and credit reporting will result in a small claims legal action against this company Midwest Recovery Systems at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation, Negligent Enablement of Identity Fraud, and Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). This company will be required to appear in a court venue local to me, in order to formally defend themselves. This notice is an attempt to correct this company records, any information received from this company will be collected as evidence should any further action be necessary. This is a request that this company Midwest Recovery System cease there illegal collection attempt and request removal of there company name from my XXXX, XXXX, and XXXX credit reports immediately. I had a similar case against a collection agency and XXXX whom the collection agency was trying to collect illegal funds. I took them to small claims court and was awarded {$5000.00} from each company. This matter is urgent and should require your immediate attention. I am now prepared to file a small claims judgement against your company. I have been maintaining a careful record of my communication with you for legal purposes only. Dependent upon this company response, I may be detailing any potential issues with this company via an online public press release, including documentation of any potential small claims action. Further more, if this debt was valid, the statue of limitation ( SOL ) expires 6 years in my state. Which is another violation I can file charges against this company Midwest Recovery System. I close this account in XXXX!
AFNI is a third party debt collector that is reporting account information incorrectly to the credit bureaus and thus negatively affecting my credit score. I sent dispute letter to AFNI asking for validation. Their attempt at validation was a printout of account history, which I do not believe sufficient to validate the debt. And even if it is sufficient to validate the debt the account shows last payment date to be XX/XX/XXXX - well beyond the 4 year statute of limitations and nearly too old to even show up on a credit report. However when the report the account to the credit bureaus they are using XX/XX/XXXX and XX/XX/2016 dates making it look like this is a recent collection account and heavily impacting my credit score.
Hi, First off just wanted to thank you for reading this and I hope you can help me.
The problem is n't exactly as stated. I have a title problem, but the problem is about transferring jurisdiction not about receiving the title at the end of the payoff period. I still have 6 or 7 months on the loan. In XX/XX/XXXX I  moved to XXXX from XXXX. The XXXX DMV requires that they reissue the title for the car prior to registering.
I called TD Auto Finance, my lender regarding how I should do it. They recommended that I send in the form requesting the title be send to the XXXX DMV, but wanted me to switch my insurance to my new address first. I did that. On XX/XX/XXXX I talked with them on the phone after moving my insurance. They looked at this link ( below ) and reviewed the form and agreed to help. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The title was not sent. They called me back a week later asking for the form. I mailed it in. They called me back after about another week accusing me of stealing my own car. They realized their mistake and said they would help me register my car. At the beginning of XX/XX/XXXX the XXXX in XXXX cancelled my registration as they had been notified by my insurance and lien holder i had moved.
After sending in the form by mail another time, trying to fax it to them 2 more times, writing 4 emails of progressive frustration, and 2 more calls ; I am now paying for a car for the last 2 months that I can not drive as its not registered in any state.
TD has sent me the wrong tracking number at least once and there is no line of sight to resolving this issue.
Please help. All they needed to was send the title. Instead, now I both need that to be done as well as get some relief for not being able to drive the car I pay for 2 months.
thanks, XXXX
Citi Bank/Citi Cards website has not been working properly for two months. I am getting billed for what is probably the right amount, but when I go on line to print a copy of my statements for my two credit cards, they are not available.
I opened a Walmart credit card account with GE Capital Retail bank ( now Synchrony Bank ) in XXXX, of XXXX. I lost my job in XXXX and fell behind and was unable to make payments. I worked it out with Synchrony by going on a payment plan to get the account paid and closed. The representative said that as soon as the payment plan was completed that the account would report as " paid in full '' and they would remove the late payments from my credit report. 

XXXX shows " pays as agreed ''. XXXX shows both " Payment after charge off/collection '', and " Settled-less than full balance '', and XXXX shows " Account Paid In Full For Less Than The Full Balance '', and they are also still reporting all of my late payments after the representative specifically said that they would remove. I do n't understand how they removed them from XXXX and XXXX but not from XXXX. 

I have attached a copy of XXXX XXXX credit report pulled on XXXX/XXXX/XXXX for your records, so you can see the erroneous and inaccurate reporting. 

Due to the erroneous and inconsistent reporting across the XXXX credit bureaus, I am requesting that this trade line is removed from my credit reports, or is updated to " paid in full '' and all late charges are removed.
I just started a new job. There was a memo sent out company wide about the company going from a bi-weekly to a semi-monthly payroll schedule. This company wide memo was issued prior to my start date. Friday XXXX XXXX was the beginning of the semi-monthly pay schedule. I scheduled all my bills to be paid on XXXX XXXX when I realized my direct deposit did not hit my account I immediately contacted my employer then contacted Bank of America to inform them of what happened. The representative I spoke to assured me not to worry that she was going to notate my account so that these transactions are paid since since my direct was set to hit my account overnight. The direct deposit it my and bank of america returned all of the items and charged me XXXX overdraft fees with money to cover those items in my account.
The associates at the new servicer Utah Higher Education XXXX refused to allow me to put my loan into forbearance and further, have blocked from using their website. I never had any problems and have never been late on any payment with the prior servicer XXXX. The representative XXXX ID # XXXX refused to let me speak with a supervisor or manager and disconnected me. 
As I am not working, I just wanted to put my loan into forbearance as I have that right but this new servicer comply.