WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for assistance in saving my home with my servicer Fay Servicing. I hired an attorney to help me submit all of my paperwork. My attorney submitted a complete financial application on XXXX XXXX, 2015. My attorney also called and confirmed my application was received on XXXX XXXX, 2015 and that it was complete. On XXXX XXXX, 2015 Fay Servicing filed a Notice of Sale against my home. Today they verbally state I was denied and that they are still going to foreclose on my home on XXXX XXXX, 2015. They not only " dual tracked '' my foreclosure process after I was already under review for loan modification 41 days before my sale date, but they also have not issued me any reason ( letter ) for the denial or given me any time to appeal the denial. I believe they never reviewed me and only are interested in foreclosing my house. I am told by my attorney this is illegal per RESPA Regulation X ( XXXX ). They were not supposed to issue me a Notice of Sale while I was under review for assistance as long as my full application was received more than 37 days prior to a sale date. My full/complete application was actually confirmed received 41 days prior to a sale date. I am told I was supposed to be issued a formal letter of denial stating the reason I was denied. I am also told I was supposed to be able to appeal this denial. I believe Fay Servicing never reviewed me after my XXXX/XXXX/2015 submission. They simply evaded review and set a sale date. I also want to state they did deny me in the past, however they incorrectly calculated my income and debts. They are playing games and have never had the intention to actually review me for assistance. They simply push for foreclosure.
My complaint is not about paying my mortgage. I am trying to refinance my mortgage. I had a loan modification. I need a copy of this modification to begin refinancing my mortgage with another bank. Select Portfolio Servicing is my mortgage carrier now. I have tried since  XX/XX/XXXX  to get a copy of my modification agreement. Every time I call I am told a different date when they will fax it to me. First it was 3 days, when I did not receive it I was told I would have it  XX/XX/XXXX . When I did not receive it then I was told they had 5 days until they had to send it. 5 days passed and again I did not receive it. I called back and said that I was contacting your company in 2 days if I did not receive the paperwork. They said do what you have to do. I gave them a week and I still do not have my paperwork. So now I would like to file a complaint against Select Portfolio Servicing.
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX - LATE PAYMENT WITH DIFFERENT BUREAUS - HOW IS THAT POSSIBLE? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I have an issue with there overdraft policy. I signed up to have to have overdraft protection. I had about XXXX dollars in my account when i overdrafted it with a XXXX dollar purchase. I had some pending charges which has been already taken out of my back account available balance. My account was positive when i over drafted it. Once i over drafted it i got hit with XXXX {$37.00} dollar fees. And when i look at the pending purchases that got hit with an overdraft fee it was {$2.00} {$5.00} {$4.00} {$0.00} {$0.00} This is not fair that i am charged so many overdraft fees for such small purchases that was not even in my available balance so im looking at my account positive. The bank has misleading information. Its not fair i have to pay XXXX dollars on such small purchases. The XXXX dollar purchase understandable because that is what overdrawn my account. Because i over drew amy account by XXXX dollars i should have owed the XXXX plus the XXXX thats XXXX dollars. My account it overdrawn by XXXX dollars this is crazy And i have a XXXX so its not right they they are trying to confused me even after i told the bank teller in person ....
My loan was sold to Ditech on XXXX XXXX. I immediately started making my payments through my bank bill pay. I make the full monthly payment on or before the XXXX of each month. I also make a mid-month additional " principle only '' payment. Ditech is holding this mid-month payment until the first of the next month. I have called them and I have emailed a detailed request for them to apply my additional principle immediately upon receipt. They wrote me on XXXX XXXX saying that they needed 30 days to investigate and resolve the issue. I just received another letter from them saying they need additional time to review my request.
On XX/XX/XXXX I XXXX XXXX XXXX XX/XX/XXXX made an appointment at my home address with 5 Star Sales Representative XXXX XXXX  XXXX. On this day he prepared a written estimate for a new roof on my home at the same address. This written estimate was for a complete job valued at approximately {$7700.00}. At the same time XXXX XXXX put me in contact via phone with XXXX XXXX Sales Manager XXXX. XXXX XXXX  informed me that I was qualified for a loan. She stated that she would send me an email with financial paperwork, which she did. This paperwork was to be sent back to her via fax. She stated to me on the phone and in the email, that she would follow up with me the next day. This would be a phone call to discuss which loans I qualified for and repayment interest. At no time did XXXX XXXX mention a credit card. She Never called back to discuss any financial matters Nor did I ever return any financial paperwork to her office.
I looked at my credit report on XX/XX/XXXX and was shocked to see a credit card in my name from Synchrony Financial. I, XXXX XXXX XXXX, never applied for this credit card. I have never received a booklet from Synchrony Financial bank regarding interest or repayment information. I never received a credit card agreement from XXXX XXXX or Synchrony Financial.
I did not her from XXXX again until XX/XX/XXXX asking me if I was ready to schedule a time for the roof to be installed. At this time I informed XXXX XXXX that she applied for a credit card in my name without my knowledge when I was inquiring about a loan. I never retuned any paperwork to her office, nor did I ask for a credit card. XXXX XXXX never followed up with me regarding a signature page to open any line of credit ; loan or otherwise. I never received an interest quote.
5 Star and XXXX XXXX opened this credit card account in my name without my knowledge, which is fraud at the very least 5 Star misrepresented financial services.
I closed this account on XX/XX/XXXX.
I started a fraud investigation on XX/XX/XXXX.
I am requesting this account be removed from ALL of my credit reports because I had no knowledge of it prior to its opening, nor did I personally agree or apply for this card.
I, XXXX XXXX XXXX, did not open an account with Synchrony Financial.
I, XXXX XXXX XXXX, had no knowledge of this account prior to me receiving the credit card in the mail.
I have asked for validation of this debts multiple times. They keep saying it vaildated without sending my documentation I am requested. By law they are suppose to have my contract on file. They are breaking the federal law by not proving this debt is mine and keep reporting it to my credit.
This company has sent me a dunning letter suggesting I send them a written letter or the alleged debt would be assumed valid. I believe this is an attempt for XXXX XXXX XXXX to abuse the system and suggest I have not already exercised my right for validation. The information they have provided in a previous complaint through one of multiple collection agencies they report to have put on retainer for collection services has been proven invalid and I have documented this Consumer Financial Protection complaint XXXX. This complaint verifies I have already disputed this debt and asked for validation along with requiring further communications to be by written letter only. This company, Central Credit Services LLC has called me repeatedly even though I have written to multiple collections agencies who have each notified XXXX XXXX XXXX of my dispute and my requirement to cease phone calls to any number that may reach me. This CFPS complaint should serve as an additional written communication to again demand this debt is in dispute and I do not want any phone calls as any phone call is an inconvenience to me.
Hi i have over  36 cf pb case claims against wachovia /wells fargo bank mortgages, iam awaiting repsponce from the cfpb and wells fargo bank mortgages who stole my home with perjury and fraud commited no missed paymant acounts mortgage and escrow in credit lost over {$270000.00} in hard earned cash and my penshion fund iam  XXXX   years old how do you exspect me to keep track on this corrupt bank w hen the cfpb system is a joke you deliberatly changed and blocked my password you send a email reset password and your link does not open so no i can not log in to my acount? Dont you think you have protected this corupt bank for long enough  36 cfp b casses and what have you done? you are fineing the small banks as a smoke screen but you need to shut this bank down fraud and perjury committed in courts all over  america  and you are protecting them you are a accessory to organised crime  mr  obama did nothing i will send my compliant to presidant donald  trump  and see what he thinks about this crooked bank wells fargo bank mortgages and crook    XXXX   XXXX     ceo
I submitted a FTC Fraud Affidavit to Transunion on XXXX XXXX, 2016. I received a letter from Transunion, dated XXXX XXXX, 2016, stating that the document does not appear to be an official, valid law enforcement report that they can accept. I submitted the documents through the FTC.gov website. So they have a copy as well as Transunion. I need your assistance in getting this matter resolved.
On XX/XX/2018, I submitted to CFPB my complaint against Citibank about a Visa credit card charge dispute resolution. Citibank responded by letter of XX/XX/2018, denying my request. XXXX XXXX of the " Executive Response Unit '' gave the same reasons as in the previous denial, which reveals that he failed to independently review the factual documents I submitted and simply adopted the previous flawed decision which falsely stated that I failed to timely submit factual information and relied solely on the information submitted by the merchant. On XX/XX/2018, I sent a Certified Mail letter to Mr. XXXX containing my demand for certain information/documents in order to consider proceeding with a claim against Citibank for breach of the credit card contract. Therein, I requested a copy of the XXXX Citibank Consumer Agreement pertaining to dispute resolution of contested charges and Citibank 's policy on handling these disputes. Mr. XXXX and Citibank have ignored this request for documents and information. I, therefore, request the assistance of CFPB in submitting my current complaint to Citibank seeking this information.
I have repeatedly contacted this company in an attempt to get this debt verified as it does not belong to me. Perfection Collection is not the original debt holder and refuses to give me any information about who they purchased the debt from. They simply make snarky, rude comments and then hang up the phone. On my credit report it says this debt originates from a XXXX XXXX Credit Card. I have never owned a XXXX XXXX Credit Card and no one at XXXX XXXX can find any information about any account ever being opened in my name. In addition to refusing to give me any information about the origin of the debt, Perfection Collection refuses to investigate its validity as required by law.
Equifax did not have adequate data security to protect my personal information, as well as the personal information of 143 million other Americans. They further jeopardized our financial security by failing to inform us of the recent data breach, which occurred between XX/XX/XXXX and XX/XX/XXXX, until XX/XX/XXXX. Equifax enjoys an effective monopoly on credit reporting along with XXXX and XXXX but that should not be allowed to continue if they can not ensure the security of the sensitive data on the consumers they report on.
I am putting a second complaint on Citibank because they sent a response in the last complaint stating they updated the social on my account and re reported the account with my new social to wait 30-45 days for the credit bureau to update the information and I have waited close to 60 days and nothing has been updated this is a perfect example of what I have been going through with them for the last 5 months. I need this account to be re reported with the accurate social I spoke to the credit bureaus and they told me there has not been a reporting from them since 2010
( XXXX ) XXXX called and left a voicemail stating that his name is XXXX XXXX from XXXX XXXX. He requested that I call back XXXX XXXX XXXX XXXX about verification of address and liquidated assets. XXXX XXXX then contacted my employer and claimed that I had a criminal complaint against me and that I had committed fraud. He also stated that XXXX XXXX had a judgment against me. I called and attempted to get information from XXXX XXXX and he would only ask me to verify my SS # and that I owed a debt. He would not tell me who the debt was with. I asked him to not call my place of employment and he refused saying he would continue unless I paid the debt. I requested to receive information regarding the debt by mail and he refused. I informed him that I would file a complaint.
Ability Recovery Services are reporting on my XXXX  account. I have yet to see any validation about this debt. Nothing was mailed to me about this collection. Its only on my XXXX  account. No matter how many times I contact and dispute they still didnt prove that this debt belongs to me.
I have been banking with Wells Fargo for over 10 years. I signed up for the XXXX XXXX card in XXXX 2017 with a signup bonus of {$200.00} back after $ XXXX spend in 3 months by clicking on an ad, and got confirmation from their credit card department via phone call that I am eligible for this bonus. I met the limit and months have passed without this bonus being posted. I called again and sent a message and they are now saying they do n't see that I am qualified and are not making an effort to help fix this. 

This offer has been around for a long time and is still being advertised online. I have never had issues with my bank balance nor do I have any credit issues. I have absolutely no idea why they would renege on the offer for just me, a loyal customer for over a decade.
This is a follow up to Case number : XXXX. The company, American Credit Acceptance continues to call me with dead air voicemails. One voicemail appears that the person calling is talking to someone else, while another appears that they are eating. Multiple times over the past two months, I have requested for a due date change. This is due to my pay cycle changing. It was explained that my due date can change upon bringing account current. In attempts to resolve the situations, I attempted to reach out to " XXXX XXXX '' at " XXXXXXXXXXXX '' on multiple occasions with no reply being received. This attempt to reach out to the " Customer Relations Manager '' is not proving to be providing good customer relations. ACA 's website offers an option to send an e-mail, from their secured website. I have attempted to send multiple e-mails, received no replies. Their website includes a fax number, so I thought I would fax a written request to change the due date. The fax failed on three different attempts with a message of " No Answer ''. ACA is the worst company with the worst customer service. As I have been unable to have anyone respond to my inquiries, I am again past due, and per their supposed policy, a due date change is not available until the account is current. This company is only available during times that I am not. I am not able to answer the phone at a drop of a hat. During my last attempt to resolve, I had spent 45 minutes of my day ( which I later had a discussion with my manager about me not being available ) playing phone tag. During my last attempt to resolve, I had to explain to multiple people the arrangement ... ..was told to make one payment, call back at the end of the month with the next payment, but when I called back, there was no record of such arrangement and had to explain for a total of four times the arrangement. 

This company is extremely unprofessional and does not care about their customers. I am attempting to get ahead, but this company makes it difficult to work with.
Navient has my loans in a rate reduction program with an automatic payment every month on a due date I chose per their prompting, XX/XX/XXXX. I noticed that the " Due Date '' in Navient 's system is different than the Due Date set up for the program, they have XXXX listed, so I called and the person I spoke with told me it was an error in their system so she allegedly reset the Due Date to the correct date and refunded the late fees accrued by this situation. 
The next month I noticed the payment had not come out of my account around XX/XX/XXXX so I called Navient to inquire why and they explained someone had erroneously set the due date to XX/XX/XXXX so the person I spoke to made the payment immediately and assured me they fixed all future Due Dates to XX/XX/XXXX. They also assured me there are no late fees currently on my account. 
To date the Due Date has not been fixed and still shows XX/XX/XXXX with the message showing " You could be charged a late fee. '' as well as the fact that there are still many, many late fees still assessed on my account despite the fact that I have paid every month on XX/XX/XXXX which is the Due Date for my payments. 
I have made every attempt and have stayed dilligent monitoring this to ensure the issues are fixed and they have not been fixed despite the fact that every month when I call I am consistently told the Due Date and Late Fee issues are fixed. 
This is affecting my credit and has become extremely frustrating at this point - I need these issues to be resolved ASAP.
False reporting of invalid/fraudulent debts to credit reporting agency XXXX XXXX XXXX is suddenly appearing on my credit report multiple times with invalid debts. The only XXXX account that I ever had was paid in full and the equipment returned. There was no further correspondence received from the original company. I have not had nor do I currently have a XXXX account. I have also never received a letter or phone call from XXXX XXXX. Whenever I attempt to call XXXX XXXX XXXX I have troubles. They have an XXXX number that never gets me anyone as well as the contact numbers that have been left on my credit report are not in service and have not been updated, which is already evident of bad business practices. In looking up this company they have a bad rating and according to many have a shady history of doing business. These are not valid debts and are leading me to believe that XXXX XXXX XXXX is in fact fraudulent. These negative reports are inaccurate and I have yet to receive any information showing otherwise. These items should be removed from all credit agencies as they are invalid, disputed and causing negative marks on my credit report and credit score.
I am an XXXX. XXXX are eligible for loan forgiveness. I was never given the option and I always had to ask about that option just to be denied. I have had a hardship request denied, also. I always forced into forebearance or consolidation which led to more debt. I ca n't buy a house because of this. My student loans have made my credit score so low.
I have had an auto title loan with Maximum Title Loans for several years. 
Interest payment was due on XX/XX/XXXX. On XX/XX/XXXX, I called MTL and told them I planned to sell the car, then pay off the loan and interest. Rep agreed to my proposal. 
My car was repossessed on Saturday, XX/XX/XXXX, when interest was 14 days past due. I received no notification that our agreement would not be kept. 
On Monday, XX/XX/XXXX, I spoke to an MTL rep, asked that MTL hold to our agreement of XX/XX/XXXX, that repo fee be reversed and car returned to me. They refused. 
I tried over a period of three weeks to obtain the name and email of the owner of MTL. The reps I spoke with refused to allow me to contact him. Finally, on XX/XX/XXXX, I was given the information. 
On XX/XX/XXXX I asked the owner by email to return the car ; he waited until two weeks later to respond to me. He said my car had been sold at auction on XX/XX/XXXX. 
I 've received no written notice of the sale of the vehicle nor any written accounting of balance due. 
They have repeatedly harassed, threatened and bullied me and my contacts. They continue to call up to 9 times a day, plus emails and voice messages. 
I have twice sent emails requesting that they stop phoning me and my contacts and have told them over the phone to stop calling me. All requests have been ignored. 
The car was worth much more in a private sale than at auction. Had MTL held to our agreement of XX/XX/XXXX, I would have sold the car and paid off the loan long ago and be now free of the debt.
I received a letter from this company demanding that pay them and to my knowledge I have never done business with this company or entered into any agreement to pay them for services or goods rendered
I have submitted a credit dispute with Experian a number of times about my address and addresses that are not mine also deleted information on my credit report and they refused to delete it even though it has been deleted off of my XXXX and XXXX credit Report. They also associate me with an address because I have utilities in my name at that address but as I explained to them it is not or nor has it ever been my known physical address so it should not be reported on my credit report. I have a utility bill in one of my relatives name because he and his wife was going through hard times and for some unknown reason Experian is reporting that as my address.
XXXX XXXX closed my XXXX XXXX credit card without notice and without cause. I have been making my payments on time for the last 6 months and currently have a balance. There should be no reason why my card was closed.
On XX/XX/XXXX I received a text message that my checking account with Chase bank was overdrawn, I went to Chase on line to see why my account was overdrawn, I was shocked to see that there were numerous of charges debited on my account to XXXX XXXX in different amounts. I called the bank and spoke with XXXX in dispute & resolution on XX/XX/XXXX. XXXX told me that the charges went further back that 60 days and that I would only be credited for the charges form the last 60 days, I was disappointed with that information, but decided that it was better than no credit at all. On XX/XX/XXXX I received a text say that my account was overdrawn again. So I went on line and saw that the credit had been reversed. I spoke with agent XXXX and she told me that since I had not reported the charged in XX/XX/XXXX the bank was denying all the charges. I explained to her what I was told by XXXX previously. She said that it did n't matter. I requested to speak with a supervisor, her name was XXXX, she said that federal regulation bars Chase Bank from crediting me any of my money that someone took from my account. I have read CFPB and that is not what it says. I was told by a bank employee that I would be credited the last days. I never received an notice of the decision to take the funds out of my account, which is required by law.
We received a tax lien against our credit, we paid the principle which lowered the total amount well below the lien minimum and the lien is still on our Experian account.