WillisBack/dataset-financial-user-claim huggingface dataset:
I want the reports updated and information with this house loan and other accounts on my reports XXXX XXXX XXXX / Trans Union they all have the same problem with my reports miss leading information and incorrect. And i have also asked for my for my updated credit score and my fico score. Since i have not applied for a credit score in last 3 years they also want to charge me with a fee to get a new one on line and by the mail. i have attached paper work to as whom i, am with the 3 credit companies. I have also complain to my state attorney general office and forward my complaint to president Trumps office with full details on the house problems and my credit reporting problems i had and all party in this matter
WAMU was my servicer WAMU completed a recession due error of foreclosure while modification pending Chase has confirmed WAMU did have a modification pending with a few title issues that must be clear before modification would complete ( Chase has provided title report ) Chase became servicer when WAMU was shut down Chase has no record of noticing bankruptcy attorney of record as new servicer during bankruptcy, or any other filed documents in bankruptcy court Chase bankruptcy file pictures etc. is not my home XXXX XXXX XXXX XXXX - has no record of ever contacting bankruptcy attorney After responses from both parties raised more questions and research The Notary XXXX XXXX has confirmed only the Recession document to be valid The Trustee Deed Upon Sale as not being valid Documents are being forwarded to bankruptcy fraud, and other authorities - we as home owners do not want to be taken advantage of by entities we sign power to transfer assignments and or foreclose with trustee and notaries whom are to protect us
This agency called my brother and sister multiple times instead of me in order to try and get in touch with me. They should have already had my contact information.
on XX/XX/2016 as we were closing on our house our credit was pulled one last time and we found out a account was opened at XXXX XXXX by someone who stole our info while applying for our home loan someone associated with our lender took our info and applied for a XXXX XXXX card. We called XXXX XXXX they researched it the people bought thousands of dollars worth of merchandise they maxed out the account they opened and XXXX XXXX acknowledged it was fraud and not us who opened the acct. We asked the account be closed and not be reported on our credit. We found out the name and social didn't even match to us yet this showed up on our credit report and we have been trying to get it off since XX/XX/2016 with no luck. XXXX XXXX tells us to contact the credit bureau which we have disputed this on our report a few times. The credit bureau says to contact XXXX XXXX to have it removed we have and still it remains on our report.
Dear Sir or Madam, I 'd like to file a complaint against Citi Cards. 

History : On XXXX XXXX, XXXX, my bank mistakenly sent a credit card payment to Citi Cards as part of their on-line bill pay service. ( I may have wrongly checked the Citi Card box instead of the XXXX box as the recipient of the payment. That part would then be my fault. ) The amount of the payment was {$5000.00} On or about XXXX XXXX, Citi 's Payment Investigations XXXX. contacted me to find out what the payment was for. ( I have not been a Citi card holder since XXXX XXXX. ) By going over my bill pay schedule with the Citi representative, we were able to determine that it was a mistake and should have been sent to XXXX cards ( United Mileage Plus Visa ). The woman I was speaking with ( XXXX? ) assured me that it was a common error. 

When I asked if they could just return the money to my bank ( XXXX ), she said that they would have to send me a check instead, but assured me it would come in three or four days, but definitely not more than ten days. That was XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX, one full month that they have held a substantial sum of our money. 

I have called Citi three times in the intervening three weeks and no one was able ( or willing? ) to help. There is apparently no way to connect me by phone with their Payment Investigations Dept.. Indeed, even they can not seem to contact the Dept. by phone. All they can say is : " well, it might take as much as a month for that money to get back to you. '' This seems excessive and unacceptable. They will have held on to {$5000.00} of our money for 30 days??! 

I also asked XXXX XXXX to intervene on our behalf since they assured me that Citi had indeed 'cashed ' the electronic funds transfer. But all they did was contact someone at Citi and got the same message as above. 

Any help you can be would be most appreciated. 


Sincerely, XXXX XXXX XXXX
I have been making payments on my mortgage loan but I was told that those payments were not going towards the balance. I have attempted to get answers but to no avail and now they are trying to foreclose on my home.
I received a call today, XX/XX/XXXX, stating that I owed {$1200.00} to XXXX XXXX XXXX from XX/XX/XXXX. My wife and I were both on the call. The lady on the phone, XXXX XXXX, claimed that we were on a recorded line and went on to state that I had two allegations against me and a complaint has been filed. She mentioned she worked for XXXX XXXX XXXX XXXX and that she was a mediator for XXXX XXXX, the attorney for XXXX XXXX XXXX. XXXX XXXX threatened that I would be served at my home or work. She had information like the last four digits of my social, my mothers name, the current company I work for and an old street name I used to live on. None of the dates coincide with what she was saying. She also mentioned someone by the name of XXXX XXXX, but when asked for clarification on who that was, she denied stating that name. When I asked for a recording of the call, she started getting upset and stated that the recording would be used against us in a court of law during the discovery period. She also mentioned that they had tried several attempts to get a hold of me and the company decided not to put this on my credit report, rather try and collect it from me through mediation and court. 

While doing some research on XXXX XXXX, I came across this website also describing the exact call I received. XXXX XXXX XXXX While doing some research on XXXX XXXX , I came across this website also describing the exact call I received : XXXX XXXX XXXX The number they used to call from was a landline in XXXX, Texas. XXXX-XXXX-XXXX.
I am again filing a complaint because m issue was not resolved with my first compliant. 

I am asking that Synchrony Financial please request the deletion of XXXX/XXXX XXXX account XXXX from the three major CRA 's. 

I have not been sent a copy of any documents that I signed agreeing to 1 open this account, 2, use this account or 3 pay any debt that resulted in the use of this account. 

I am aware that an " electronic credit application '' was sent to me along with balances and billing statements. However none of this proves that I am the one that opened this account. 

If there was something with my signature on it, proving that I did indeed apply and open and use this account then obviously I would be responsible for this account, but since you do not have one ( which was stated in your response ) I asking that in the spirit of goodwill and great customer service, Synchrony Financial inform the CRA 's to delete and block this credit line from reporting.
I saw one hard inquiry rencently from Cap One from XX/XX/2018. I didn't apply any capital one credit card at all.
Bank of America has fraudulently capitalized on their error of misapplied funds, unaccounted funds, funds received but not applied, including inordinate delay of funds to fraudulently and deceptively  : ( 1 )   misapplied funds and took an inordinate time to restore ( 1 month 8 day  ) ( 2 ) l ost payments, payments not reflected on ledger  ( 3 ) m anipulated account ending in  XXXX   ( 4 )  cancelled a repayment agreement (  5 ) c reate and conduct a fraudulent escrow a udit ( 6 ) in tervened and paid the  XXXX  property taxes without prior notific ation ( 7 )  has fraudulently cited a  XXXX  Bank of America document as notification to pay property taxes  ( 8 ) ignored my concerns and violated my rights as a consumer ( 9 ) transferred my loan to another servicing prov ider without addressing my concerns
I get calls every day from Monday to Saturday at work and at home. I get emails at work. Today, I got an intimidating call from someone asking me for my social security number in the middle of a workday. Who does this? I asked them who were they. The guy says, " we verified your place of employment '' As if he was coming to my job. This is so rude. 
I have attached a copy of emails and phone calls.
I have sent XXXX debt validation letters to Portfolio Recovery Associates LLC. XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX in an effort to get verification of this debt. The company has ignored by requests and has failed to prove I am the owner of this debt.
XX/XX/2017 XXXX  bank {$150.00} delinquency
So, this time I applied online for a loan with  XXXX . I was denied based on MOSTLY THE SAME  XXXX  THAT STILL NEEDS TO BE REMOVED, PER MY PREVIOUS COMPLAINTS, however this time SURPRISE - Now I apparently have a Bankruptcy on my Credit Report.     REALLY!?     I have never filed nor have I had any bankruptcy on my reports, filed, dismissed or otherwise. EVER!     Now, suddenly I have  one? Yet I go to Experians w ebsite, where I have any account, and guess what? There is nothing showing there!!      XXXX ?     I DEMAND THAT ALL MY INFORMATION BE RE-VERIFIED AND MY SCORES BE RESET TO WHERE THEY SHOULD BE!!     HEY CFPB, DO YOU ACTUALLY WANT TO DO YOUR JOBS AND MAKE SURE THAT THIS  XXXX  IS FINALLY TAKEN CARE OF????
On XXXX/XXXX/XXXX, a phone call was received by the company for debt collection. Since I 've not received notification from any party that a personal balance was past-due, it was ignored. I checked my credit report and this company placed a soft inquiry on the same date and they were contacted by e-mail for assistance ( ID XXXX ). On XXXX, I called twice and someone hung up without saying anything. On XXXX, debt validation was requested ( ID XXXX ) and received by mail on XXXX. They are attempting to collect on a debt from XXXX which was settled after evidence was provided to XXXX and a collections agency at that time ( XXXX or something similar ) as an XXXX buyer committed fraud. According to the letter, the debt was placed with Convergent on XXXX. No written or electronic communication was received by XXXX or any collections agency for more than a decade and there 's nothing I can do about this debt.
Hi, I have both federal and private loans. During enrollment at XXXX University ( XXXX ) in XXXX XXXX which is now closed, I feel that I was cheated into paying for this degree with Federal and private loans. There were many times when the school was under investigation and in jeopardy to lose its accreditation. Now that the school is closed, the school feels like a fraud. Its been a while, but I remember while attending school, I was pulled into the financial office and told that I have exhausted/run out of funding to continue attending the school and that I should take out a private student loan and get my mom to co-sign. I told them I was nervous about not being able to get approved and then re-paying and the lady told me that she took out loans for her degree too and now she has a family and she only has to pay under {$100.00} and not to worry about it. She assured me that it was easy to take out a loan and that it would easily be approved. I really feel like I was a vulnerable victim and now i 'm stuck with an almost {$80000.00} in loan debt that I have been trying my best to pay for so many years to only find that the debt gets larger and larger. Even after telling XXXX/navient that I have been un-employed, they continue to offer me no help. At this point, my degree is worth nothing and I would like for them to refund me the money or at least the money I have paid and forgive me for the remaining debt.
This could easily become a class action suit. This company continues to pray on unsuspecting clients.. their name tells it all. Whether they gain your approval or not, once they gather your information, they may be capable of saying that a deposit has been deposited into your account ( open or closed ) as long as is a present or previous account with your idenfication associated with this account default proceedings may be filed. 10 times out of 10 times the defendant is NOT a resident of XXXX let alt Idaho. Once an individual has been served or not been served, they are issued a supena to appear in court 1000+/- miles away, having full be knowledge that the accused could not possibly appear end up gaining a default judgment. People requesting these type of loans are not only trusting someone to help them, but they would make every reasonable effort to make the loan right. Without conscience of consideration of others, they'd sue their own grandmother. Something needs to be done quickly and expeddiously! It's a very great amount of money that people are honestly needing and sincerely will make every effort to pay it back. In the meantime, some people are getting the money and some are not but everyone is being sued. Look into it. Red flags should be flying high,! XXXX County, Idaho, the city/county clerk, district attorney, mayor, city should be informed of the corruption and malfeasance that is taking place.
This complaint stems from simply switching one credit card for another at the PNC bank XXXX, MI branch. I requested my old account stay active to preserve my stellar payment history of over 30 years and to cancel auto-pay AFTER the last purchases were paid. PNC cancelled the auto -pay prematurely and as a result, I incurred the fees and interest reflecting non-payment. This was evident after returning from a extended vacation. After on going discussions about this matter with several different employees, it was XXXX XXXX of PNC who stipulated that the fees would stand and I was to blame for stopping auto-pay. Accordingly, I severed all ties with PNC after 30 years as a customer and withdrew my {$29000.00} savings and cancelled the new credit card and declared I will never, ever pay those fees and interest for as long as I live. I believe a third party agency like the CFPB and others should be made aware of this banks practices in that a simple mistake can be made and can not be corrected at the cost of a consumers credit rating and financial standing and reputation ( in my case an XXXX rating or more ). Most of this issue took place in XX/XX/2018 with me terminating my accounts on XX/XX/2018.
Pinnacle Credit services purchased an account from XXXX XXXX and has XXXX trying to collect on an account that is from XXXX that I paid to XXXX. Pinnacle Credit XXXX is reporting this account on my Credit reports with the XXXX Credit Reporting Agencies and told me to contact XXXX XXXX XXXX who told me that the account was sold to Pinnacle Credit Services on XXXX/XXXX/XXXX. Pinnacle is reporting that this account was opened on XXXX/XXXX/XXXX which is not true and a violation of the FCRA. I was never notified as required by the FCRA, FCDPA before this account was reported on my credit reports.
Equifax, through their own gross negligence, provided my confidential personal information to hackers/thieves ( identities currently unknown ). Being one of the 3 major credit reporting bureau 's in the USA they have a huge responsibility to safeguard our data and have been recklessly careless with this information. 

As additional examples of their careless behavior : 1 ) When you do a security freeze on an Equifax account they give you a 10 digit PIN you need to unfreeze the account. The first 6 digits are the date you enacted the freeze. This is TERRIBLY insecure, as everyone who freezes their credit as a result of this recent security breach will have extremely similar PINS. 
2 ) The website they created enabling citizens to check if they are a victim of this breach is a BRAND NEW DOMAIN, instead of using their own domain. This makes it significantly easier for identity thieves to direct people to fraudulent sites. This is either simply lazy, or demonstrates an ignorance of cybersecurity that 's criminal. 

I now have to set a fraud alert on my wife and my accounts, which is no guarantee that I wo n't become a victim of identity theft following this breach. Equifax has offered 1 year of credit monitoring to victims such as myself, however this breach will have far reaching effects for YEARS to come. 

In addition to credit card information, which is an inconvenience to change, criminals now have my name, birthdate, social security number and drivers license information which is INCREDIBLY difficult to change. They also know where we live and work, which is terrifying. It is impossible to overstate the economic and physical repercussions of this event.
I am working on a short sale for clients. Carrington Mortgage is the lender we are working with. We currently have an offer and for the last 3 months Carrington is requesting documents that have been sent on numerous occasions. CMS shut file down back on XXXX/XXXX/XXXX because they claimed they did not have complete package - all documents were submitted on XXXX/XXXX/XXXX and I verified receipt of docs on XXXX/XXXX/XXXX. Since I was advised on XXXX/XXXX/XXXX that the file was shut down I resubmitted the ENTIRE package again. On XXXX/XXXX/XXXX CMS still could not seem to get it together and I had to resubmit the entire package AGAIN. The current offer we have was received and sent over on XXXX/XXXX/XXXX - I verified receipt of everything, however CMS still claimed they did n't have XXXX, expense sheet and XXXX - they were resent AGAIN on XXXX/XXXX/XXXX - on XXXX/XXXX/XXXX I was told the file was in underwriting and to call back in a week for an update. On XXXX/XXXX/XXXX I called - still under review, I was told they should have update later that week or the following week. On XXXX/XXXX/XXXX I was asked for taxes, household expenses and the XXXX - I provided dates these documents were sent and sent them AGAIN, this time they also asked for lease agreements from the borrowers. On XXXX/XXXX/XXXX I received leases from both borrowers and emailed them over to CMS. On XXXX/XXXX/XXXX, when I returned to the office I called for an update - CMS is asking for taxes, leases and expense sheets - I advised they were sent numerous times to BOTH email addresses AND faxed, provided dates and resent to email and fax AGAIN. I called in again today, XXXX/XXXX/XXXX for an update and they 're still asking me for the same docs. I do n't know how many times I have to send them the same information before they finally accept the documents but I 'm tired of the games. We may possibly lose a buyer due to their negligence. This is unacceptable and something needs to be done.
I requested a credit limit increase on XXXX XXXX, 2017. I was denied an increase because " recent use of this accounts existing credit line has been too low '', per their denial letter dated XX/XX/17. After reviewing CapitalOne 's complete frequently asked questions concerning reasons for denial, not a single factor shows cause for denying me a credit limit increase. I have been a customer of CapitalOne for over 20 years. I believe there is not sufficient merit to base such a denial of credit limit. 

In fact, all my other trade lines did grant me a credit limit increase recently including XXXX XXXX, XXXX, XXXX, and XXXX XXXX. Both XXXX and XXXX almost doubled my credit limit from {$12000.00}. to {$23000.00}. due to my superior credit discipline and payment history. 

I review my trade lines annually and try to request a credit limit increase primarily to boost my credit scores and future purchasing power.
Dates :  XXXX  > present Amount : {$52000.00} We have been extremely disappointed in the lack of support we have received from  XXXX   XXXX  / Navient in regards to our efforts to obtain refinancing and repayment or forgiveness options related to an enormous student debt. This debt has been an indescribably heavy burden for my family for over  XXXX  years - it seems outrageous that any company would allow individuals to suffer under the weight of a debt related to obtaining an education. We certainly did n't buy a boat or take vacation with that money! At this point I 'm at my wits end as to how to satisfy a loan that is over  XXXX  decades old ...
WE HAVE BANK OF AMERICA AND THEY HAVE PUT A CFPB REQUIREMENT ON OUR BILL, WE ARE NOT BEHIND IN PAYMENTS, WE HAVE BEEN MAKEING OUR PAYMENTS FOR 14 YEARS. WE FILED A BANKRUBTCY 10 YEARS AGO BUT B of A WAS NOT PART OF THAT! NOW WE ALL OF A SUDEN HAVE A THREATENING STATEMENT ON OUR BILL THAT MAKES IT SOUND LIKE WE ARE BEING FORCLOSED ON, BUT I HAVE BEEN TOLD BY B of A WE ARE FINE IT WAS REQUIRED BY CFPB FOR THEM TO PUT THIS THREAT ON OUR BILL DUE TO AN OLD BANKRUPTCY! 
I AM STILL SUSPICIOUS ABOUT THIS AND IT ALMOST MADE ME HAVE ANOTHER XXXX SO I CALLED AND TALKED WITH B of A AND THEY SAID CFPD WONT LET THEM TAKE THIS OFF OUR MONTHLY STATEMENT, ARE THEY DOING THIS TO OTHERS OUT THERE OR ARE THEY JUST SELECTING PEOPLE THAT HAD TO TRY AND SAVE THEIR HOME BY FILING AGAINST CREDIT CARDS? I MY WIFE WILL HOLD B of A AND CFPD IF TTHIS SCTIONED OF STATEMENT IS NOT REMOVED AND I HAVE ANOTHER XXXX OR XXXX DUE TO THESE MALICIOUS THREATS! SOUNDS LIKE A CLASS ACTION IS IN ORDER, DO WE HAVE ANY LAWYERS OUT THERE?
I received a " packet '' delivered to my door by a gentleman. I asked him if I was being served and he said that the only information he had was that it was from Velocity Investments. The papers resembled a court summons complete with trial number and everything. I immediately went onto my metro court website and I could not find any complaints filed against me and when searching the case number I had no results. The debt they are collecting on is past the four year statute of limitations.
In  XXXX  of   XXXX  , I called and spoke with a citi rep about paying off a promotional balance on m y Home Depot char ge card. I paid what he told me I needed to and he assured me that my promotional balance was now paid in full.     When I called later on  XXXX / XXXX /  XXXX   to verify that the payment had been applied correctly to the promotional balance, I was informed that it had not been. The rep assured me that he would fix the problem ; not to worry.     When I received my statement on  XXXX / XXXX /  XXXX  , I found that citi had not fixed the original problem and charged me an additional {$440.00} in interest and purchases. However, I did not make any purchases.     I then called citi for the third time to try to resolve the issue. As of this writing the issue is still not resolved.     The most infuriating part of this is that there is an obvious pattern of deception and aggressive tactics to create mistakes and problems that lead to increased fraudulent gain for citi.     These have been gross, obvious mistakes ; call after call. It has actually gotten worse with each successive call.
My credit reports from ( XXXX, XXXX and XXXX ) are reporting incorrect information from Barclays. they have a hard inquiry listed on my credit report that was requested onXX/XX/XXXX. however, this was not authorize by me for them to run my credit. <P/>I contacted Barclays Bank onXX/XX/XXXX, I stated that I never applied to a credit card with them or do n't have a credit card with them. never had any contact with them. they told me that they never reported any information to the credit companies because they do n't have any information to report. <P/><P/>BARCLAYS BANK DELAWARE XX/XX/XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual