WillisBack/dataset-financial-user-claim huggingface dataset:
Apparently, an account was opened in my name before I turned XXXX ( legal age to assume debt ). I reached out to this agency to find out why they allowed an account to be opened in my name and not check the date of birth to ensure it was legal? The representative advised the information would be corrected and deleted from my credit report. Since this was a trusted family member who opened the account, I chose not to pursue legal measures. However, I STILL paid the balance owed of {$180.00} to the original creditor ( XXXX XXXX ) to clear my name etc. Records will show that I was not an adult when this account was opened.
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX.
I was told by my bank that if I paid a higher rate, my PMI will be included inside the loan and I would not have to pay a PMI. I am seeing PMI payments on my mortage account for approx. XXXX This was n't suppose to be there. The bank lied to me by using depective practices to give me a higher rate. My rate was suppose to be 3.625 with lender paid PMI but I was given at closing 4.625 instead. I questioned the rate during the entire mortgage process but I was told its an estimate and it will be updated before closing. I raised this issue at closing again, but I was told to go ahead with the closing otherwise I will lose my money on deposit and other money I paid for the house such as inspections and etc. 

Also, I have requested several times from the bank to see the original loan documents, but the bank says they lost the original documents and can only provide copies. I believe my documents were altered and at closing I was told they will fix it but the bank never fixed it. I was also told I did n't have to escrow my account. But now the bank refuses to remove the escrow and wants me to send them more money to remove it. 

I have been asking the bank to show me any disclosures documents. Bank did n't provide any disclosures to me during loan process. All I got was a surprise at closing. 

I spoke with Wells Fargo while writing this letter. I spoke with Wells Fargo Representatives at XXXX at approx for about an hour more or less. I spoke with XXXX Supervisor in Loan department and she saw the Settlement Statement ( HUD-1 ) and says she sees my complaint is valid. HUD Statement Page XXXX ( Attached ) clearly shows the issue at hand. 
XXXX stated she has to escalate this issue since my complaint is valid, I was transferred to Office of the President and I talked to XXXX XXXX. She went over the complaint again and said someone from the retail divison will get back to me within 48 Hours. 

I have been reaching out the Wells Fargo for well over 2 years now and I have zero faith they will do anything about this issue and they keep giving me the run around.
Monthly report/ Inaccurate, derogatory remarks still being reported on credit reports monthly. Hard inquire heav impact to credit. {$9600.00} account was opened XX/XX/XXXX closed out XX/XX/XXXX. Car was repo in XX/XX/XXXX after a {$1000.00} was made to bring account current and cancellation off repossession fees. Payment arrangements were in process three days after making {$1000.00} on XX/XX/XXXX car was repossessed and car wasnt released to me. On XX/XX/XXXX was told account was closed car had been sold and charged off will appear on credit. Yet lender still wonted me to pay {$3000.00} for seven months of car payment and additional {$2000.00} for storage repossession fee costs. Request several times by phone and hand written to see paperwork. When the car was sold and after paying to stop repo and bring account current was my car still repossessed. Lender told me that they didnt have to release or inform of the car being sold nor guaranteed to stop the repossession after payment was made. Its been 6years 11mos disrupted with credit bureaus yet nothing has been done. WESTLAKE is still able to report remarks as charge off each month. HAVING A HARD IMPACT TO ME TRYING TO REBUILD MY CREDIT AND APPLY FOR CREDIT. HEAVY REMARKS. Yet only show 4 installments payments being made out 43 months term. Within a year as stating account was first delinquent in XX/XX/XXXX. I was notified of DATA BREACH and some or all personal information may have been compromised. Nothing was done about it
I am writing to dispute the following information in my credit history regarding my Visa Chase XXXX MileagePluse Select number XXXX XXXX XXXX XXXX. I have noted these items and I disputed this matter more than once with Chase directly with no response or further communications. 
I have been a loyal customer of Chase Visa for the last 17+ years. My wife and I used only this credit card and utilized the strong benefits. After years of on-time payment, a payment was missed during my work transfer to XXXX, XXXX. 
On XXXX XXXX, 2013 my family and I moved from California to XXXX, XXXX. Before leaving the United States, we activated the mail forwarding services through the US post office. We paid all our bills and made sure all balances were XXXX for credit cards, utilities, telecom, XXXX and Internet services. I retained my US cell phone number XXXX XXXX XXXX, and have it on file at any utility, bank, credit card providers, etc. I made phone contact with my credit card companies to flag the impending change and possible usage of the cards abroad. The representative at Chase, in particular, assured me that will be fine, and I will be notified via mail and email if there is an outstanding balance. 
As is evident from my credit report, I was able to clear all my bills on time, except for Chase, because I was not alerted through direct communication via email, phone call or text message from Chase that there was a payment due. I firmly maintain that this does n't justify reporting me to the credit bureau and closing the account without any communications. 
Attached copy of the report I received from the credit bureaus recently.
I have contacted XXXX ( XXXX ) and XXXX ( XXXX ) they have removed the additional hard inquiries from my report. Experian ( XXXX ) will not even look at them and several of them are duplicates. They refused to investigate until I get a letter from the same company I did not give permission to pull my report. 

Experian has ( XXXX ) different hard inquiries on my credit report that are not accurate.
Hello, my name is   XXXX   XXXX   XXXX   and I 'm contacting you on behalf of my grandmother  XXXX   XXXX   XXXX . My grandmother is  XXXX  and she is getting ready to retire from a  XXXX  so she has me trying to get her finances square to do so in relative peace. So I inquired about her credit cards that she has had sin ce  XX/XX/XXXX  a  nd  XX/XX/XXXX  and t hey have accumulated a few thousand dollars in interest debt even though she barely used them if at all, even not having a physical card. She was making her payments that were printed on the bills but she did n't realize that the cards were charging interest on the interest and compounding ove r two decades. Sh e is n't asking for a hand out but it is n't right for thousands of dollars to accrue from just interest on the interest before just to keep an account. Another amazing thing I found out when I contacted them is that when she opened the account  ( s  ), that they assume d one thousand dollars in  debt and charged 29.99 % interest on it even though she had n't used the card. They have lowered it down to 16.99 % percent but the damage to the account has already been done. Even with the debt she has a good  credit score a nd plenty more of actual available credit but she just wants to retire with a clean slate and as lifetime   XXXX   XXXX   XXXX   XXXX  . Also wants some semblance of justice or reconciliation on this matter. To her its a moral matter more than a financial one.     Thank you for your time,  XXXX  and  XXXX   XXXX
I received an phone call regarding this debt that was 5 years old this account was open with out my acknowledgment this company have been harassing my call many times and some time for an different phone number I told them this account was not step up by me so I 'm not responsible for this.
To whom it may concern, I would like to establish a formal complaint against USAA Bank. I submitted an application for a VA loan ( refinance ) and was mislead throughout the full process. I was pre-approved and submitted all associated documents as requested. After having everything submitted and reviewed, they had me conduct an appraisal and a termite inspection. About 7 weeks into the application process I verified that no other documentation was needed and they confirmed that my loan was clear to close. I then received the final disclosures and then was asked via phone if I wanted to roll over the closing costs since I had enough room to roll that over. I was then transferred to a loan officer and then they started reassessing the loan and then determined that I was no longer approved for the original amount which makes no sense. There was no transparency and caused me financial harm by paying for a termite inspection and appraisal. I am also a partially XXXX veteran and feel that they may even have discriminated against me. 

I am also truly concerned because they sent an adverse letter to me after talking to the loan processor. No options were given to me such as the possibility of putting down a larger down payment or anything. This was the worst experience by far with a financial institution.
I am challenging a Public Record Information on my current credit profile as inaccurate in its filing. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit profiles under their procedure of reporting as a derogatory for 10 years. The credit bureaus have stated that the information is " verified by it 's origin '', the origin is the Bankruptcy Court. I have contacted the Federal Court to confirm this information and they have confirmed, by documentation, that they did not and do not verify to credit reporting agencies. This is misleading and false verbiage on behalf of the reporting agencies. This discrepancy has prevented me in my personal life 's pursuit and I am requesting CFPB to advocate for me in this challenge. I have a consumer right to know the identity of the " VERIFIED ORIGIN '' that is reporting this negative.
In XX/XX/XXXX, my partner and I were bumped from a Delta flight and were given over {$2000.00} in American Express reward cards ( 9 different cards with varying amounts from {$100.00} to {$500.00} ). We received the cards in XX/XX/XXXX. The expiration date on the cards is/was XX/XX/XXXX. Towards the end of XX/XX/XXXX, I was curious when exactly the cards would expire and I wanted to make sure that I used them prior to them expiring. I called the customer service line number on the back of the card and spoke with someone regarding this question. The woman I spoke with from American Express told me that the funds do not expire and that when the card expired, I could request a new card. She went on to say that there was no re-issuance fee. I gave her several card numbers for her to check and she said the same thing for each card. I asked her if I could proactively request a new card with a new expiration date and she said no. On XX/XX/XXXX, after the card had expired, I called Amex to get the cards re-issued. I was informed by a customer service rep that the cards had expired and there was nothing they could do about it. I was on the phone for over a hour with them and finally spoke with a manager who said that she would open a case and they would look into it. They apologized and said I might have been given the wrong information. I didnt hear anything for a few weeks so I called again and they said they would look into it. I called 3 additional times over the next few months and finally in mid-XX/XX/XXXX i was told that the case had been closed and that the cards terms and conditions still applied and there was nothing they could do. I again spoke with a manager who i told the story to and told them that I was not complaining about the terms and conditions. I was complaining about the fact that I was given bad information by their employee and suggested they go back and listen to the call from XX/XX/XXXX where theitr employee had misled me ( and caused me lose over {$1000.00} ). The manager said they would open a new case and I haven't heard anything since. I just don't think it is reasonable that they should have ZERO   accountability for giving out misleading and inaccurate information about the terms and conditions. Especially when it misleads consumers into losing a significant amount of money.
Navient sends payment notification after payment is made, but they do not tell you if there was an error in processing, " payment reversal ''. This can go unnoticed for some time before it is noted on their website, and even then, the user 's account information shows " payment received ''. You have to look into " payment history '' to see " payment reversal ''. This allows them to collect on late fees when I should be notified, just like any other payment system, immediately.
On XX/XX/XXXX, I tried to link my CapitalOne 360 account to another personal bank account I use and I received a message stating that XXXX  is blocking me from using external sites. I proceeded to call CapitalOne and they were unable to resolve the issue.
I never received a thing but a summons from Midland Funding , LLC ( Encore Capital ). I was never able to dispute anything. I answered the summons with my election for contractual arbitration and even sent Midland Funding a letter before I sumitted my answer to the court here in Arizona. 

Midland answered back with a motion for summary judgment. Midland ignored my letter electing arbitration per XXXX cardholder 's agreement. Midland forced me into litigation when a clause in XXXX 's cardholder agreement protects any alleged consumer from litigation. 

MY QUESTION TO MIDLAND FUNDING IS THIS : Why did you drag me into litigation when I invoked arbitration from day one? You ignored me. You denied my due process. 

CURRENT SITUATION : I was unlucky enough to get a superior court judge that does n't know arbitration laws and he gave Midland a summary judgment against me. I fought the litigation as much as possible, but the irony is that the arbitration clause protected me from litigation and yet Midland kept dragging me through it. 

Now there is a summary judgment that I am appealing to the Court of Appeals, who I hope knows the arbitration laws. 

WHY WAS I PUT THROUGH LITIGATION EVEN AFTER I INVOKED THE ARBITRATION CLAUSE? Why is it okay you ignore my rights as a consumer that is invoking the arbitration clause? I want answers. You have really ruined my health and denied my rights.
My account is related to an old case number : XXXX was turned over to EARLY WARNING and I was wrongfully accused and did have money in my account. 
Please have early warning clear my name.
I have disputed the XXXX bankrupty in all credit report the bankrupty are 10 plus years old Chapter XXXX and Chapter XXXX
I originally tried to submit my payment in  XXXX  through the my loan servicer 's web site for fedloan servicing giving my bank 's routing number and account number and it got rejected, then I sent the  XXXX  payment via my bank 's online bill pay on  XXXX   XXXX ,   XXXX   and  XXXX  's payment on  XXXX   XXXX  to their billing address that was provided for me and both payments were rejected by my loan servicer for " invalid payee address ''. I verified the payment address with both the rep on the phone and through fedloan servicing and the website states that I can use a third party bill paying service offered through my bank but they still refused to take the payments and now according to fedloan servicing I am 30 days past due
I 'm on SSI and ca n't pay for students loans and I ca n't find out how to get them taken off my records
I was the victim of aggravated identity fraud per th e US  Department of Justice. I was advised to fill out paperwork on the FTC website and I did and correspondedly sent letter to the affected accounts of mine. I sent letters  to 6 of my cr editors in early   XXXX  . Since then  4  have deemed  the U  S  DOJ and the Internal Revenue Service as accurate that fraud took place regarding my name and my wife 's name. For some reason Barclays and  XXXX   XXXX   (   XXXX  is still in review ) are the only ones who have n't refunded me my money. Barclays flat out denied my claims all the while disregarding the paperwork the federal entities have provided.  XXXX   XXXX  in the  Executive Office  has n't followed through on my request that I get the reason for denial with the corresponding reason why each charge is being stuck with me. I 've reached out to several of the vendors on the list and they have inaccurate information on me whether it 's the wrong name, address, etc . Barclays c learly did n't do a full review on these charges. I 'm submitting this again so this file can be reviewed again in full. I 've Also submitted these papers to the Delaware state banking commission that also regulated Barclays on the state level. They 've received my paperwork and based off our hour long phone call, they were in agreement that  Barclay  's has n't been forthcoming among other issues. I 'm submitting this through the CFPB to get further help so the money stolen from me can rightfully be returned. Many thanks for your review
This company XXXX XXXX XXXX is calling us from XXXX even AFTER they have been made aware that we have and never have had any accounts with them NOR do we have any accounts in default. They become abusive and rude when told not to contact us again and continue to do so regardless. Total XXXX. They need to stop calling us and harassing us for a debt that we do not owe. Peroid fullstop! BTW how DARE those XXXX XXXX XXXX speak to children and attempt to solicit private, personal information about us from a child. THEY NEED TO LOOSE THEIR LICENING.
There was a double charge of approx.. {$74.00}. 
Talk with XXXX reps..XXXX rep told me it tooK 8 days for processing ... normally it 's instant..XXXX rep told me there was a system problem ... supervisor would be calling me in 24 hrs ... no call..talked with sup-XXXX..told me I would n't be getting my money. back.help me please.
On multiple occasions, Navient has not run my bills properly. One example of this being that I was told on XX/XX/2017 that my bill had already been pulled from the Bank. As of XX/XX/2017 there has been nothing pulled from my account. I have tried to figure this out multiple times and they refuse to help. This is after it took them 3 months to notify me that there was a plan I could enroll in to help pay of my student loans. This has happened for both federal and private loans. They are preying on recent college grads who are struggling to survive.
XXXX XXXX XXXX has been harrassing me and threatening to sue me for a debt that occurred in XX/XX/2009. I have asked them not to call me any more each time they call, but they keep calling me on my cell phone. This is not the first time I have had problems with them. A year ago they illegally reaged the account with the credit bureau, and threatened me with legal action, and it only stopped after I filed a complained.
Navient is refusing to place me in an income driven payment plan due to that fact that I have not submitted a XXXX for a secondary job I had earlier in the year. However, I submitted a signed affidavit stating how much money I made and per the Student Loan Income-Driven Repayment Plan application, that kind of information is accepted as income verification. I followed the instructions completely. However, as the documents attached show, they are saying I have not provided income verification. They are attempting to place me in the standard repayment option. 
Additionally, this past XX/XX/XXXX I informed Navient that I was re-entering school and asked them to NOT place my loans in deferment, however they placed my loans in deferment anyway, and informed me that I would not be even able to enter into a payment plan for XXXX months after leaving the deferment. So I can not make qualified payments for a payment plan for loan forgiveness until XX/XX/XXXX now.
I have reseted my password multiple times and it still says it can't allow me access to my account.
I sold my home which had an FHA loan and Wells Fargo was paid in full on XXXX XXXX. However, they charged me interest for the entire month of XXXX which was {$710.00}. They should have only charged me interest for XXXX XXXX. According to the rule below, they should NOT have charged me interest after the loan was paid in full. They are telling me that the rule only applies for loans that were originated on or after XXXX XXXX, 2015. Nowhere in the rule does it say that. It only says the rule is in effective on that date. 
DEPARTMENT OF HOUSING ANDURBAN DEVELOPMENT24 CFR Part 203 [ Docket No. XXXX ] RIN XXXX Housing Administration ( FHA ) : Handling Prepayments : EliminatingPost-Payment Interest Charges
My XXXX loan was consolidated with out my knowledge and are now being serviced with XXXX XXXX. I was told my loan would be forgiven due to being a government employee and my income and went a year with no payment. A year later I received information that my loan payment would be XXXX monthly. I have contacted XXXX XXXX regarding my loan and have been told there is nothing they can do to help me. I have made payment to them to keep them from reporting negatively to credit! I was not told that according to my tax documents I had XXXX dependents and then when they reviewed my loan it was discovered I only had XXXX dependent. I have NEVER reported the the IRS I had XXXX dependents. XXXX XXXX has not provided me with any proof that I gave them or anyone else permission to consolidate by loans through them ... ...
I had a total of ( 3 ) three student loans. According to my credit reports they are showing ( 6 ) six student loans, which makes it look as if I owe way more than I do and also shows late payments with all of them. All ( 6 ) six of them are showing different data with each credit bureau. I have disputed the loans for incomplete/inaccurate data. The credit bureaus just keep coming back as updated information. Nothing changing, Still showing ( 6 ) six student loan accounts when there were only ( 3 ) three. There are three ( 3 ) listed with XXXX XXXX XXXXt and, three ( 3 ) listed with XXXX XXXX XXXX XXXX. The two different named sets of companys are both reporting the same three ( 3 ) accounts.