WillisBack/dataset-financial-user-claim huggingface dataset:
The lender has been provided sufficient documents for a decision to be made on the loss mitigation review - the docs provided give the lender more than enough information for them to complete the review, but they refuse to do so. the client has stated several times that due to the transfer of servicer 's that she can not obtain a mortgage statement on the property she lives in due to the new lender having to update there system- A new statement will be mailed to her on XXXX/XXXX/17, but the lender has been provided the statement the new lender has sent which shows the mortgage payment amount. - the lender also has a problem with the HOA statement provided because it is not from XXXX 2017, the statement is in fact from XXXX this. These are unreasonable request by the lender and they are not willing to complete the review.
All my American express account is settled, we had a dispute about some charges and it is finally settled, American express reported my account as charge off when it should state settle, please fix the reporting and send me a copy of the credit report.
I am showing this account several times on different reports but I am noticing once the account appears to be sold, the open date is constantly changing. This account originally appeared over 5 years ago so it is impossible for this account to just be opened XX/XX/2018. I do not feel it is right to keep reselling a debt and then changing the open date on it. This is a violation of the FDCPA and this is inaccurate reporting.
Student loan repayment initiated approximately 20 years ago, went into default, payments began XXXX 2010 with beginning balance of {$11000.00}. Since then $ {$4400.00} has gone toward interest, {$2600.00} towards principal with an outstanding balance of {$9400.00} on an 8.25 % fixed loan with monthly payments in the amount of {$120.00}. Loan is through ACS Borrower. We have reached out to ACS with no success in understanding their calculations. School was XXXX XXXX XXXX, XXXX XXXX TX
Repeatedly calling same friends and relatives regarding my debt. Leaving messages on their phones that I am facing legal action. I called and spoke to a supervisor to request they stop calling friends and relatives but they do not stop. They have called multiple people more than 3 times. The supervisor told me that they do background checks online and they can call anyone who is listed in my background check report. I thought companies could only call third parties once and they couldnt leave messages stating I am facing legal action? The third parties did not ask them to call back, and actually asked them to never call again. But the calls keep happening. When I answer their calls their reps always threaten legal action and use intimidation tactics telling me that I have until XXXX to respond or legal action will commence immediately. This has been going on for many months. I am being harassed by a new agent every three days, as per their internal policy.
My debit card was lost and then about 10 minutes after I realize that I lost a debit card I got a notification on my phone stating that my card was used at a local retail store and was charged {$150.00} I contacted the store they did nothing about it I contacted my bank they told me that we're going to do an investigation we can't give you provisional credit so you're just out of luck for a whole nother month and basically I'm out of {$150.00} I did a police report when I contacted the police they told me oh okay we could go and see and look at the surveillance but we can't show it to you because I need help
I borrowed {$500.00} on XX/XX/2016 from Rosebud Lending XXXX DBA XXXX XXXX SD XXXX ( XXXX ) with an option to pay installments in the amount {$110.00} on the initial installment due XX/XX/2016 and {$140.00} due on XX/XX/2016. I called on XX/XX/2016 to make a payment for the loan agreement amt @ {$110.00} and was charged {$130.00}. On.Thursday XX/XX/2016, I called to make a second installment payment as per the agreement @ {$140.00} and the rep kept trying to take {$230.00}. I told her that my contract states a payment in the amount of {$140.00} was and she took that payment for the amount of {$140.00} On XX/XX/2016 this company drafted an additional unauthorized amount of {$230.00} from my account. I do n't know what that amount is and there is nothing stated on my contract for that amount.
Hi. My name is XXXX XXXX and I have tried to several occasions to correct the fraudulent and incorrect accounts that Experian is reporting in my credit report. They refuse to report correctly, even when presented with proof. 

I have disputed these same items with the other major credit bureaus and they have deleted these accounts, but Experian just allows the creditors to say " verified '' without any documentation or proof. 

1. XXXX Account # XXXX Balance {$20000.00} Opened XX/XX/2017. There is a 7 year fraud alert on my credit report and this account is not mine and should be deleted. 

2. XXXX XXXX XXXX XXXX Account # XXXX is reporting 2 late payments on XX/XX/17 and XX/XX/17 and this is just incorrect. This account has never been paid late and is paid in full. 

XXXX XXXX XXXX  , XXXX Account XXXX XXXX is reporting 2 late payments on XX/XX/17 and XX/XX/17 and this is incorrect. I have never paid this account late. 

4. XXXX XXXX XXXX Account # XXXX The creditor agreed to remove this account and all late payments as it was sold to XXXX XXXX. However, Experian refuses to do that and just keeps saying " verified ''. 

5. XXXX XXXX  XXXX Account # XXXX is reporting a late payment on XX/XX/17 and this is incorrect. this account has not been late. 

I need these items corrected and updated immediately as it is preventing me from obtaining credit.
XXXX XXXX client XXXX XXXX is a victim of identity theft ; his information was used without his consent to apply for several credit lines. While these application failed the process resulted in fraudulent inquiries into his credit reports. While reviewing an XXXX credit report an inquiry was found with Nordstrom/TD Bank XX/XX/2018 that was an unauthorized transaction. An official dispute of this activity was mailed to Nordstrom/TD Bank to have this information removed. While a clearance letter dated XX/XX/2018was received and confirmed the inquiry was going to be removed at a future date, a review of a credit report ordered XX/XX/2018 still lists the Nordstrom/TD Bank information be XXXX. This is a violation of the FCRA.
Discover Bank has been carefully stealing funds from my XXXX XXXX XXXX accounts, calling most recent employer ( XXXX  ) for wage Garnishments and taking money from XXXX Health Savings Accounts. I'm unemployed, no family medical, heath or XXXX   insurance and my wife and I have Medical and XXXX  Bills that way past due needs to be settled otherwise we will not get future appointments. Discover Card removed every single penny in my HSA Account ( Statements Attached here ). In XX/XX/2016 XXXX XXXX closed my HSA Account. 

Discover Bank based in the State of XXXX is closely following " Make America Great Again Program '' by targeting Minority American Families. They are now secretly trying to foreclose on my only home by using the same collection Attorneys. This is a federal violation in its highest form. Discover Card denies it. XXXX XXXX XXXX have been facilitating it all, but conveniently stays out of it! 

I ask Discover Bank to Return my HSA funds and terminate XXXX XXXX XXXX immediately before they take any further action to Foreclose my home!!!!!!!! 
XXXX is currently taking place in XXXX, but they continue to deny any wrongdoing and absolutely do nothing about it, even after many complaints. 

I propose a {$100.00} XXXX federal fine be place immediately on Discover Bank for the atrocities and federal illegal practices of their representative Law Firm ( XXXX XXXX XXXX ) in XXXX. A copy of Foreclose Notice by the same collection attorneys ' is attached with this complaint for CFPB Review. Discover Card continue with their aggressive practices ignoring all of my requests to date.
XXXX XXXX XXXX Fraudulently placed a collection on my credit reports from XXXX for {$98.00} that does not belong to me and XXXX Fraudulently billed for Medical service never Authorized ref file number XXXX XXXX XXXX
Even though I 've asked them to take me off their no call list they still continue to call my place of employment.
In or around XX/XX/2018 XXXX XXXX was in review for loan modification. On XX/XX/2018, without properly denying the application, Ocwen proceeded with a foreclosure in violation of Regulation X, 12 C.F.R. 1024.41 ( g ).
I did apply for credit card at Wal-Mart XXXX weeks ago, the card was approved and never received it in my mailbox as promised by store representative. I lost the receipt to show that the credit card has been approved from Wal-Mart. Any help for me to get the credit card would be appreciated. Thanks
I attended XXXX XXXX, XXXX ( formerly owned by XXXX ) from XX/XX/XXXX-until they shut down unexpectedly in XX/XX/XXXX. I was not allowed to finish my program but WAS left with all my student loans and huge debt for NOTHING in return. Referring to an article posted on Consumer Finance 's website on XX/XX/XXXX I was " harmed by XXXX predatory lending scheme '' and lured into taking out private loans with very high interest rates. They advertised bogus job prospects and career services on television, online, and brochures. Students were forced to buy expensive overpriced books that were either never used in class or opened XXXX times all quarter. My credit history has been badly hurt because of the loans taken out for me to attend XXXX XXXX. According to the bulletin XXXX ( owner of some of XXXX schools ) agreed to remove negative information from student borrowers ' credit reports ; however, I am to this day still seeing negative credit report history and my credit has dropped by almost XXXX points. These " XXXX '' were owned/ran by the school and when it had to close were then consequently sold to University XXXX XXXX ( XXXX ). I receive countless letters in the mail ( almost one a day ) and more then XXXX phone call from XXXX regarding my loans a day, every single day. Many promises were made by the school, its ' employees, and its ' ownership and not XXXX was met. The financial opportunity to make money from students in need of a better life was seen by XXXX and they lied and failed to do what they should have done. If I take out a loan and I leave, I still have to pay that loan back. But if I take out a loan and the SCHOOL leaves, I should NOT have to pay anything to an institution that cost the jobs of many people, hurt people financially, lied, cheated and wasted the time of the students in the schools that were owned by XXXX. And for what? Greed?
I mailed a dispute request to Equifax on XXXX/XXXX/15, requesting some items to be investigated. I listed specific reasons as why they needed to be investigated. After not receiving the results back due to me moving, I contacted Equifax today and spoke with a young lady who advised me of the results. When it came to XXXX accounts she stated they came back as verified based on the name, date of birth, social and address. I asked her if they came back verified based on those factors, I never disputed the ownership of the accounts. Long story short, they did n't investigate the accounts per the reason I advised, for example, date opened is not correct, or balance is not correct, they simply had the company to confirm ownership of the account. I asked the person I was speaking with the reason they did n't correctly dispute the information according to what was sent on my initial correspondence, and her response was that it was handled by the mailing/disputes department and they just put in the wrong information. This was not done only on XXXX account but XXXX accounts. I asked to speak with a supervisor as her only remedy to this was to place it under dispute again, I advised her that was n't satisfactory as they failed to perform a proper investigation to begin with and demanded deletion. I also asked to speak with a supervisor. I was transferred to XXXX, who was in the disputes department, ( not a supervisor as I asked for ) who advised she was also not sure why it was not handled properly. The only resolution to the problem was to re-dispute the account. I requested to speak with a supervisor 2 more times before I was transferred to XXXX who stated she was the Floor Supervisor in the Disputes Department. She looked at the letter I sent and confirmed there was an error but could n't do anything except place the accounts under dispute again. Advised that was n't satisfactory.
XXXX XXXX XXXX transferred my loan to Shellpoint Mortgage Servicing on XX/XX/XXXX. Shellpoint added a fee {$1100.00}. They will not discuss my loan with me as I was in bankruptcy. They are refusing to send me any document or monthly mortgage statements for the time they serviced my loan. I sent them a certified letter on XX/XX/XXXX. No response. Shellpoint needs to remove the fees. On XX/XX/XXXX Shellpoint transferred my loan back to XXXX XXXX XXXX with these fees which I did not know exist because Shellpoint refused to send me any documents. XXXX  XXXX XXXX said the loan came in with fees and that I needed to speak to Shellpoint. Also, I did not get " Pay for Performance '' from Shellpoint per my loan modification on XX/XX/XXXX documents.
I have disputed this account time and time again submitting undisputable proof and only receiving the same results. This account is in violation of being deleted then place back on my report by changing the dates on the file. They are also only verifying the name and address with the grantor they are not taking into consideration the proof I have attached which shows that they made errors. The proof also show that the foreclosure was stopped by the courts and reconciled. Every account on my credit file is paid as agreed this account has hurt me tremendously.
I have filed numerous complaints in an attempt to stop Nationstar Mortgage from attempting to steal my home. I have not been able to reach a representative since I submitted my modification documents. Their phone number does not work and you can never reach a representative during the hours they claim to be available to check on the status of my modification. This is an attempt by this company to steal my home as I sink further past due with no relief available because they are not returning calls. I have filed complaints with the CFPB, XXXX, Justice Department and any other entity I feel can help me stop this crooked company from stealing my home. Please help! I just received a call from someone who claims to work in their customer relation department but he did n't want to discuss my modification. He claim to have called to let me know it has been assigned to someone. I told him I know a XXXX XXXX is supposed to be handling it but I have been trying for almost a month to reach her and not once has she ever contacted me. This gentleman called from XXXX. He would n't talk to me but was only willing to transfer me to XXXX. I explained I just called her this morning and she has not returned my phone call. He said when I call XXXX or XXXX I can hit XXXX and get any rep and transferred me while I was talking. I got XXXX voice mail again and hit XXXX only to hear the automated voice tell me no one was available. How can this be legal? How can this company do this? I have NEVER in my life deal with a company with this type of business practices. I am doing anything and everything I can to get some help and they are going to steal my home from under me by ignoring each attempt I make to reach them for assistance. I do n't know what else I can do. Please investigate this company and their unscrupulous morals and business practices. Do not let them steal my home!
I continue to receive calls from a company identifying themselves as XXXX. They have advised me it is for a debit for credit card to Best Buy. This was dismissed in a bankruptcy in 2011 and I have informed them of this but they continue calling me.
I sent certified mail to Equifax regarding my issue with XXXX and XXXX debt which was erroneous. I asked to see the original contract with my signature in compliance with the 609 Fair Credit Reporting Act. Which states that the debt must be verified and validated or be removed from my credit report. In the case of XXXX the court ruled that you can not take information off a computer source as verifying the debts.
Bluebird by American Express denied a fraud claim for items totaling XXXX including charges from XXXX XXXX  on XX/XX/XXXX, amounts of XXXX and XXXX. As I stated to both XXXX reps and Bluebird fraud dept, I did not receive anything from this merchant and do not know the person using XXXX account, XXXX. XXXX has not provided any proof of receipt such as a tracking number and or description of item ( s ) supposedly sent. Two other charges from XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX are also fraud, the merchant refunded a total of XXXX on XX/XX/XXXX, amounts of XXXX and XXXX. I do not know the reason for refund, the merchant refers me back to American Express to dispute the items. It appears the merchant chose to refund part of the transaction in the amount of XXXX on XXXX, did not state reason ( s ) why and refused to refund difference. Bluebird has not provided reasons for decline of claim or shown any proof the charges are authorized by myself, refuse to investigate further despite the information I've shown.
Wels Fargo ripped me off for {$7.00} to cash a {$200.00} check.
loan keep being extended. i tried ask why keep getting run around.i feel i paid extra 12 months when my loan contract said i would be done XX/XX/2016 i keep being charged
On XXXX, XXXX, and finally on XXXX I attempted to transfer {$21000.00} from our account at Wells Fargo to our account at XXXX. On the XXXX I contacted XXXX from the Wells branch on XXXX XXXX XXXX and he provided specific instructions to make this transfer through XXXX, XXXX 's fed wire agent ( routing number, account number, account name, etc. ) while on a conference with Wells ' desk officer. The instructions were prepared by the desk officer and the funds were wired. Next day the funds were returned as owners of the XXXX account had not been included. This was corrected on the XXXX but again the funds were returned due to a typo. On the XXXX the exact title of the account was recorded and the funds were again wired ; however the account title was too big for the computer field and the last XXXX letters of the last name were truncated. Unfortunately this wire was accepted and the funds were applied not to XXXX 's account, but to the account of a XXXX retail customer. When XXXX finally determined what had happened, on XXXX or XXXX, they messaged Wells to explain and further said the funds would be refurned within XXXX days. On the fourth day XXXX informed Wells that they had gone to the incorrectly funded account to retrieve the money but the funds were n't there and therefore XXXX would not be returning the funds and that furthermore XXXX was closing its case on this transfer. Iwas informed of XXXX 's decisions on XXXX and further told that as XXXX had closed its case there was nothing further that Wells could do and that Wells, too, had closed its case. The matter was eventually referred to an " executive resolution team " and on XXXX I was informed by a team member that there was nothing that the bank could do : " We have our rules. If you are unsatisfied by our decision you should get a lawyer ... ''. I responded that only Wells Fargo had the standing with XXXX to argue for the return of the money and I believed that Wells was obligated, at least by good business practice to pursue my claim ; but was told again to get a lawyer - " ... ..we 're sorry, but we have our rules and there is nothing that I can do. " I am told by attornies that litigation will likely cost more than {$20000.00} and that Wells ill likely respond by giving the matter to XXXX of its retained law firms with the instruction to make this problem go away. As courts are reluctant to award damages to cover the cost of litigation it seems that I am frozen out. Frankly, I suspect that this arithmatic is central to the bank 's " rules '' which seems predatory. I am pursuing counsel and every other venue which I can think of.
I have a private loan now through navient that was previously with XXXX XXXX. My monthly payment to them alone is over {$700.00}. I 've called many times in the past for assistance especially to have my now deceased grandfather that was my co-signer removed from the loan. They wo n't remove him without an original copy of a death certificate which I 'm no longer able to obtain without significant cost to me. I 'm now 2 months behind on my payment and receive daily harassing phone calls from various states and numbers to disquise the calls. I called today for assistance as I 'm eligible for federal help and wanted to try to work with them to reduce my payments. We went through a financial profile that I had guesstimated amounts because it varies from month to month to which they told me I should have {$1000.00} a month left to pay them. So if something were to come up emergently that would leave me with less than {$300.00} to my name for a month. They would not work with me except to put me in forbearance which would cost me {$150.00} which is half of what I currently have to my name until I get paid in a week which would give me time to account for where that {$1000.00} is going. I am a single income household trying to live on my own in need of a new car sooner rather than later and all I received was a condescending tone from both the employee and her supervisor.
Reviewing my credit report, I found that I have an account for collection from some agency. The original debt was from XXXX XXXX XXXX for {$87.00} and was posted for collection on my credit report on XXXX XXXX, 2015. I 've never done any business with XXXX XXXX and called them to inquire about this, they helped me out looking for any account opened in my name for the past year and they did n't find anything. I do n't know what else to do because I want to clean that bad report from my credit.
To CFPB This complaint involves Equifax who, after my many attempts to resolve an issue with inaccurate inquiries ( XXXX XXXX ), Equifax seems to think that they can continue to bull doze their will on me by allowing this nonsensical, erroneous reporting hurting my credit report. I did not give any one at XXXX XXXX permission to look into my credit report for any reason. Yet, Equifax seems to think that they can continue their non compliance of the FCRA and other laws that govern reporting. 
I am here by filing this complaint against Equifax and request that CFPB fine them accordingly if they do not comply with the law. 
I repeat, I did not request or give permission to any one at XXXX XXXX to look into my report therefore, please enforce the law on Equifax.
I did not know that these people were not licensed to perform usury banking operations in California and the USA. .they charged me {$800.00} for a {$600.00} account.