WillisBack/dataset-financial-user-claim huggingface dataset:
I had a HELOC loan with Wells Fargo and prior to the end of the draw period I contacted them to convert the load to a fixed rate Home Equity " Loan ''. This was completed in XXXX 2015. In reviewing my Credit reports on XXXX/XXXX/15 I noticed this account was still showing up as a " Line of Credit '' instead of a loan for a fixed amount and is adversely effecting by credit scores because of false " credit utilization '' information this incorrect information is causing. I contacted Wells Fargo on XXXX/XXXX/15 requesting they notify the XXXX credit bureaus of the corrected information and was told that technically this account was still a Line of Credit even though it is not. I explained that the incorrect information was having an adverse impact on my credit scores but was told there was nothing they could do. I advised them that when i converted the Line of Credit to a loan prior to the end of the draw period I was told Wells Fargo representative XXXX XXXX that this account would now show a loan on all my records even though the account number remained the same. This has now proved to be false information. I was told the opposite on XXXX/XXXX/15 by their representative who identified herself as " XXXX '' that made no difference and in fact Wells Fargo discontinued " Home Equity Loans '' in XXXX of 2015??
I submitted a complaint against Hunter Warfield, for not contacting me and providing the validation letter from the alleged creditor. It is 30 days later, and I still have not received the following notice : Proof that I agreed to the alleged debt that is described in the enclosed letter, your proof shall include a full record of principal, payments and fees. 

Proof of unbroken chain of title from ( XXXX XXXX ) to ( Hunter Warfield ) authorizing ( Hunter Warfield ) to collect alleged debt. 

Show me that you are licensed to collect in my state, and provide licensed number if you are.
This company continues to send me collection letters and keep trying to collect on a debt that is not mine. I was covered under my parents insurance so i have no idea where they keep coming up with information even after i 've tried to dispute directly with them.
My Federal Perkins Loan was transferred to Heartland ECSI a while ago. I managed to miss a payment at one point, and in addition to the late fee ( totaling a fourth of my monthly payment ) placed on my account, I was charged another {$2.00} for their automatic call system to tell me the payment was late. Nowhere on their website do they list late fees or call fees, and the only place I heard mention of phone call fees was information presented via a computer-generated voice while I was on hold with their customer service after I had already incurred the late, automated call fee. There is a serious lack of transparency from Heartland ECSI.
i have been working with US Bank my servicer on a loan modification sinceXX/XX/XXXXand they consistently request for pay stubs stating that they do not have 30 days worth of income. This statement is absolutely inaccurate due to i am paid bi-weekly and 2 pay stubs would cover that. When i submitted i submitted 3 pay stubs to be safe which were current and consecutive at that time. During the length time of them having to review the documents just to get it from stage to stage i consistently updated the pay stubs again to be safe. I got a pay increased in the month of XX/XX/XXXX, I went from {$17.00} to {$21.00} and the first pay stub to reflect that was dated XX/XX/XXXX. US Bank stated that I need to send 30 days worth of pay stubs to reflect increase so I sent the next one that I got dated XX/XX/XXXX, I called back and they do n't have 30 days but they have those 2 pay stubs ( how does that work ). I sent in another pay stub dated XX/XX/XXXXand again the have all 4 but they do n't have 30 days worth of income with the increase in rate. Again I faxed in another pay stub datedXX/XX/XXXX, called lender to confirm received which they did and what a surprise they need 30 days worth of pay stubs with increase. To me that would fall in line with dual tracking but I am not done with US Banks consistent badger for more documentation which is stalling the process and pushing more into delinquency. i just called again today XX/XX/XXXXto get an update on status hoping someone at US Bank knows how to do their job, I was told that I need to provide 30 days worth of pay stubs, I asked if they have my pay stubs from before and they said yes but since the underwriter is asking for it then we must get it for them. I asked can you count the pay stubs that you see in my file and they said I see it but because they want it then we have to get it, but you have months worth of pay stubs with the increase that does n't matter I was told because we have to get the new pay stubs for 30 days. I have faxed over the newest pay stub that i just received today dated XX/XX/XXXX.
Citibank does not properly disclosure how the state the account is created in impacts your future use of the account. I had a Citibank account in NY for 10 years. Then I created a joint account in California. The accounts can not link or work together. Then when I created a third account online ( so it would work with the NY account ), they said ALL my accounts would be cancelled if I did n't verify the second signer address ( despite having just done that in branch ). I was not informed of this at creation.
On XX/XX/XXXX Chase Auto deleted a Paid In Full Trade line off my XXXX credit report, which affected my credit score tremendously. I contacted Chase Auto on XX/XX/XXXX and they agreed to but the Tradeline back on my XXXX credit report and still have not.
I filed for a Chapter XXXX Bankruptcy which included my home. It was clearly indicated that I was forfeiting the house and not reaffirming the mortgage loan. The BK was discharged in 2010. My attorney advised me to move out of the home promptly which I did. The lender sent me a letter stating that they are going to foreclose on the home, which they still to this date have not done leaving it in limbo with me as the " owner on title '' still. The Home Owner 's Association is now suing me for about {$20000.00} that I was even aware for years. The lender is still reporting the debt and it is reflecting on title work for the property even though it was clearly included in the Bankruptcy.
I'm trying to submit a payment online and I'm deliberately getting locked out so I can not submit the payment on time which will cause interest and fees without speedy support from US Bank. This has been open since XX/XX/2018. Today XX/XX/2018, I'm told to wait for a PIN to be mailed to my house. What's the point of making me waste so much time? I'm not paying any late fees nor interest. If I can not access the account, I'll consider the account paid off. 

I'm not receiving the texts, I'm not given the option to receive email codes like all other banks do which I have accounts ( XXXX, XXXX, XXXX, etc. ).
The following accounts has been disputed a few times, and Never once has any of the following companies nor credit reporting agencies ( XXXX, Experian ) sent me any physical verification of these accounts as promised by the FCRA/ law. However, the reporting agencies in opposition of the FCRA will only update my report without physical verification, these are the accounts in dispute ... 1 ) XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX   XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX )
I fell that my school was place to high so that they can get extar money from me and my family!! It was way over price and the interest was way higher than I imagine before sign up and I try to get the best monthly payments but that was to late.
Syncrony keeps randomly locking my business credit card. The last time they received a payment and would not unlock my company credit card for several days even after they took my money for the full payment. They also on my personal credit card have non approved charges from a scam company that they will not remove and keep charging us for. Please stop these scammers.
Asked for a loan modification from greentree servicing.Was denied the modification because I got a loanfrom XXXX at a 10.5 percent was told we would be able to refi in 5 yrs. This company XXXX XXXX and XXXX XXXX are all owned by XXXX XXXX. I would advise anyonethinking of dealing with any of these companies to run and run fast the other way. They are nothingbut predatory lenders. I pay more for 120,000 dollar house than my friends do for a XXXX.
This is the second complaint about this company as they have reported the same account on my credit report TWICE! They tried to be slick and posted it my credit report with 2 different account numbers. however this account is showing as paid ontime and closed in XX/XX/XXXX. Since I do not know who is the vendor, I consider this debt to be fraud. I have placed a fraud alert on all 3 of the credit reports and have also gotten a XXXX account. I have been unable to get the vendor to provide written document with my signature on it verfying the debt, yet they manage to report this data monthly! I need assistance in this matter.
This dispute deals with Bank of America dealing with XXXX. XXXX was not able to receive a payment from BOFA. BOFA stated the best thing to do was to file a dispute to get the money back in my account and pay XXXX. While filing this dispute BOFA contacted XXXX and had a payment reversed from a completely separate account. This resulted in the account being closed and put into a delinquent status. The other account with XXXX still has not received their payment. I have contact BOFA and spoken with online chat support, fraud department, claims department, customer service. I have contacted XXXX and they do n't have a solution either, they say it 's all an issue with BOFA system.
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by American Profit Recovery refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
I have been fighting with XXXX/XXXX/Experian for the last four months trying to remove a bankruptcy that has been listed on my credit file that is incorrect due to me not filing any bankruptcy since XXXX.they continue to tell me that they verified this information however it is incorrect. they will not listen to any calls or documents sent certified. I finally had to take off wok to go to the Bankruptcy court to have them to review this info and do a investigation to see that I had not filed any bankruptcy. also listed on my credit report ( XXXX ) are XXXX tax liens that have been removed from the courts and does not contain the information that is required to keep listing this information on my credit ( Due to the new law effect XX/XX/XXXX ). it has been removed from the other XXXX credit files however XXXX will not remove this information after I have sent them proof that the XXXX claims does not carrier all the information such as ss #, correct address and dob. I have had these XXXX item withdrawn with the state of Georgia due to have them paid and following the guidelines to have them removed from my credit,
I get repeated phone calls from a company called PORTFOLIO RECOV ASSOC. They call repeatedly and have managed to contact and harass my girlfriends phone number. I don't know who they are and I have no debt with them. They have yet to provide any proof and again I do not have any type of debt with them.
I purchased an XXXX coffee machine from XXXX XXXX online at XXXX XXXX XXXX on XX/XX/XXXX. It has now been over a year, and they have not delivered the product in the timeline they originally promised. I asked for a refund on XX/XX/XXXX, after numerous broken promises to me about the shipment date. They said they would issue a refund, but they did not. 

I contacted my bank, Bank of America, who says that I can not even dispute this debit card charge with them, because it's over a year old. 

Since XXXX XXXX XXXX failed to deliver their product to me in the original promised timeline, I asked for a refund. I should get a refund in full from XXXX XXXX XXXX or Bank of America should reverse the charge to my checking account. I no longer want the product, as I do not trust this company any longer.
SYNCB on My credit report twice First hard inquiry-XX/XX/17-National Credit cards/Airline Second hard inquiry-XX/XX/17-National Credit cards/Airline Both of these are completely wrong- I have tried calling SYNCB, National Credit Cards, XXXX XXXX and XXXX   and I keep getting the run around.
They constantly keep calling and call more than 10 times of day and call both landline phone and cell phone which I do not even know how they got in the first place and send letters over and over again. I have tried to settle with the original owner of debt but never wanted to now this new company called Asset Recovery Solutions LLC will not stop with abusive language and threat tactics.
I originally submitted a FHA loan application on XXXX 2015 for a mortgage, submitted all paperwork and paid fees including an inspection I was told when the application was in the underwriting process the house I was buying was a flip and FHA would not accept a property that was flip unless it had more than XXXX days I lost the property and the money the bank did n't tell me that requirement until it was about to close. Then I found another property submitted and application they told me it would be faster and while in the underwriting they told me I had to do an addendum to my tax return I did it and submitted it on time, but the underwriting department did n't look at it because they were out of compliance with the XXXX days so they close the case and did n't consider the evidence making me loose more money again. I lost over {$1400.00} dollars on this because of the Banks inability to look at a file within their time frame
Hello CFPB I am writing to assist regarding XXXX XXXX XXXX XXXX XXXX XXXX with application ID # XXXX XXXX XXXX. I applied and was asked to send documents My Driver License SS Card and Utility Bill for verification which i did send. I received voicemail to call them and i did call them but they start asking some question back in 10 years period i tried my best to answer and they declined application. I send and complied with all their request and i was denied. Please assist me to get this application approved. I have great credit and this is Valid application for credit.
To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. 
In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law.
I 've had student loans for about 8-9 years. In this period I went from XXXX XXXX to Navient. I have 6.8 % interest and XXXX loans all for XXXX XXXX. Before I was able to get my papers starring I completed XXXX I needed to pay almost {$1000.00} out of pocket on top of the loans. I was told I had job placement guarantee, I did n't. I was a XXXX mother on welfare and they fought me on deferrment, charged me interest and fees. When I finally started to get on my feet, and my loan WAS in deferrment finally, they took an entire $ XXXX income tax check I was relying on for a home. No notification, nothing. Now, 4 years after that happening and me paying on the loans from working ( not what I went to school for ) I still owe almost {$5000.00}. Navient sends you emails telling you about government grants to pay the loans, government loan forgiveness, and forbearance to those who qualify. But where is the information at for these? Who decides this? Where are we supposed to apply? I eventually was able to get a home, and almost lost mine in part of my student loan debt.
Experian Report # XXXX XX/XX/XXXX Information on Former or Current Employers missing or current Employers not showing. I have uploaded a current XXXX from 2 Employers as proof. 1 not showing and others missing in the past correct. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Current since XXXX XXXX XXXX  XXXX Current XXXX XXXX XXXX Current XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX XXXX Past XXXX  XXXX XXXX Past XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX Past Position : XXXX XXXX
The bank force me into a charge off but then we were approved for the Service Relief Act and it was cleared up in 2011. Now they are reporting this as a charge-off loan as of this year.
Equifax data was breached months ago and is now coming out to the public. Very important information was released without authorization and this company should be made responsible for the long lasting ramifications that its customers may have to endure.
HUNTER WARFIELD INC has placed an account on my credit report that belongs to someone else and is included in a bankruptcy. The petition will be attached showing this account belonging to someone else
Tried to contact my new mortgage servicing company ( Fay Servicing ) that purchased my loan from XXXX XXXX XXXX. Per their website XXXX I attempted to call them during normal business hours at XXXX at XXXX XXXX central time or XXXX XXXX local time ( mountain ) and the phone message says they are currently closed and gives normal business hours that also say they should currently be open. In addition the mail box for leaving a message so someone can call you back on the next business day is full so I can not even leave a message to have someone contact me. Being closed when you are supposed to be open to help customers makes it very difficult to do business and get help solving issues especially for a customer that just had their loan transferred from a large financial institution to one that has never been heard of.
TransUnion 's dispute resolution does not permit the ability to request review for missing information. My record was missing a credit card account I have. A previous card was closed due to a data breach and was replaced. TransUnion only has the closed card on file. In addition, my addresses are incorrect on all accounts. There was no way to indicate a missing account or the incorrect address. I could only select from addresses on file to indicate which is the current address : not useful when they have n't updated my addresses on any accounts after 4 years. My record even included a note that my addresses seemed suspicious. Pretty amusing they had time to note such but did n't have time to update the information so such a note would n't be necessary. 

I could not ask for the replacement card to be added because the dispute resolution process did not permit this. 

Even a different new credit card account was added with the old address -- which could not have been reported by this new bank that did n't know it. 

As a work around, I submitted a dispute on the closed card, noting it had been replaced and that the addresses were in correct, asking them to find the new card and add it to their records. 

In response, they deleted the closed credit card from my record -- counterproductive. The resolution did not match the purpose of my dispute. 

Their website says to submit a new dispute as a method of indicating the matter was not resolved correctly. However, even though they say to " click on the New Investigation link above '' on their Online Dispute Service Investigation portal, they provide no such link and the page contains no menus and only permits viewing of the original report. While it 's possible I will be able to submit a new dispute once the results of this dispute are deleted after a month, it seems TransUnion is intentionally limiting the ability to submit dispute inquiries. 

Though, to some extent, I 'm only assuming TransUnion made my record worse through the dispute process : because I can only access the current resolution report through the resolution Online Dispute Service Investigation portal ( which says they deleted the closed account ), I can no longer actually access my information since it is only viewable when submitting a dispute.
On XX/XX/2018, my credit card from Chase Bank was declined at " Healthy Pets. '' It is a business a few blocks from my home where I have completed several similar transactions over the past three-plus years. I immediately contacted Chase Bank and asked why my card was blocked, without prior notice, at a business I use regularly. Chase refused to provide a reason, or to even substantively respond. 

In regard to the XX/XX/XXXX incident, I re-contacted Chase Bank by email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time, Chase assures me it is " looking into '' the matter. 

This is a new, different, and separate incident from the XX/XX/XXXX incident, which is the subject of a separate complaint. In both instances, Chase blocked my credit card without prior notice. In both instances, Chase rebuffed my many attempts to substantively resolve the issue. 

I have spent at a minimum two hours dealing with Chase 's errors, and in my efforts to engage Chase substantively. My professional time is billed in excess of {$200.00} per hour. A very conservative analysis mandates a conclusion that Chase should reimburse me {$400.00} toward the waste of time, stress, humiliation, and harassment that Chase continues to inflict. 

I again request that Chase acknowledge its errors, apologize for blocking my card without prior notice, assure me that such will not occur again without prior notice, and reimburse me {$400.00} for my time that Chase has caused me to spend seeking a fair resolution. 

All of the above has been relayed to Chase and it is documented.