WillisBack/dataset-financial-user-claim huggingface dataset:
The whole issue we are trying to resolve is I refinanced and didn't receive anything in the mail from XXXX XXXX untill you called in XXXX saying I missed XXXX payment and I didn't know you billed me. I was waiting for my first statement. So when I got the call the XXXX payment was missed ... I didn't know where to remit payment and I paid both XXXX and XXXX together. After that I had the payment details and was able to continue paying. 

Because I refinanced and got a new lender I was unaware when and when to pay. Please remove 30 days late reported inXX/XX/XXXX
Someone in California stole my identity and opened a account with XXXX, leaving XXXX with a balance of {$1900.00}. I have spoken with XXXX rep 's and explained that I have never had an account with XXXX and that I have never lived in California at any point in my life and this account is fraudulent. After trying to resolve this issue with XXXX, I decided to dispute the charge after finding it appeared on my credit report recently. The determination from the credit reporting agencies after there investigation is as stated " Inquiries are a factual record of file access, '' with no explanation of the evidence provided to determine the facts. I know this is not my account or debt. Also the address used for this account the credit reporting agencies have found to be fraudulent in my name, so it seems to me if you proved that the address used for the XXXX account was fraudulently in my name, how come it is not determined that dish network is also not fraud. I can not fight a fraudulent claim on the credit report if I do n't no on what facts the dispute is found factual, so that I might dispute the fraudulent evidence.
The interest rates on my fixed loans increased from 8 % to 10 % after Navient improperly handled my loans and refused to fix the issue and credit the difference to my account. I also on XX/XX/XXXX requested my XX/XX/XXXX Tax Forms to where they sent XX/XX/XXXX and are still looking for XX/XX/XXXX. Their VP XXXX XXXX is in favor of predatory lending and mentioned to me personally that I should refinance through their new subsidiary XXXX. It is a monopoly on student loans with unlawful dealings and horrible customer service who 's managers have no idea who they report to are.
I submitted a previous complaint on XX/XX/XXXX requesting them to correct my address after several attempts to get this correct. They stated that they updated my information but it is still incorrect. There should only be one address anything else is wrong. My correct and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.
My phone and wallet was stolen inside my wallet was my debit card multiple transactiOna I guess were made when I got a new phone and check my account it only had XXXX dollars I called the company ASAP to have my account closed when I called more transactions was made that day now there telling me I cant get my money
I was called from phone number XXXX by an automated caller " this is XXXX calling about your credit card interest rate. Please press XXXX to speak to a representative to lower your interest rate ''. I pressed XXXX and got to a representative names XXXX XXXX ID # XXXX said he worked for account services on behalf of all the credit card companies. He asked me my balances and what card I carried and the first digit on the card. I asked him who he was and he said Account services, he worked in XXXX, company based out of XXXX. He said he is working off Experian reports but he needed me to get my credit card account number in order to lower my rates I pay. There was a long discussion about asking him who he was and where he was located. He would not give me a phone number to call him back so I could confirm who he was and what company since he did n't know much about me. He said he follows the FTC and it is all safe to give the information. He uses Experian credit reports to make the phone calls. Refused to give his phone number, company name or address. He then said do n't waste my time, I asked to have my number removed from his database and never call me again and he said he would call me every day. I informed him that he is violation of the telephone consumer protection act by calling me on a do not call list with no business relationship. He then informed me again he would call every day and then hung up. I tried to call back the phone number that was given on my display on the phone XXXX and it was a disconnected number. I get these calls from " XXXX at card holder services '' at least XXXX10 times a month and has been going on for years. I am tired of it and someone is in violation of the law but you can not find out who this is. Please hold them accountable and find out who is doing this.
on XX/XX/17 I submitted complaints to each credit bureau to remove negative items from my credit report that did not belong to me. I received a response from XXXX and they removed these items, however, XXXX and transunion failed to reply at all.
I am filing this complaint because XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX are all reporting unknown debts on my credit report but have all ignored my requests to provide me with any documentation they have on file which validates the authenticity of these accounts. I sent each data furnisher this request by certified letter on XXXX XXXX, 2016 and to date have not received any such documentation from them. I believe this to be in violation of Section 623 ( a ) of the FCRA. I have notified Experian of this failure by above mentioned data furnishers to comply with section 623 ( a ) of the FCRA, and yet they continue to persist in reporting this item on my credit file. The FCRA states under Section 611 ( 5 ) ( A ), that if they ( the CRAs ) are unable to verify these accounts then they are required to " promptly delete all information which can not be verified ... '' They have ( as of yet ) failed to do so. Please step in to resolve this matter.
I submitted a complaint regarding our HELOC loan with Wells Fargo on XX/XX/2017 ( Complaint number XXXX ) and the issue is still outstanding. We received a letter from Wells Fargo on XX/XX/2017 stating that their goal was to respond by XXXX, but that it would take them until XX/XX/2017 to " complete their work ''. Today is XX/XX/2017 and we have not heard from Wells Fargo again regarding this issue. I want to make the CFPB aware that Wells Fargo is not keeping up with their finalization of this issue. I 'm attaching the letter that we received from Wells Fargo stating that they would complete their work by XX/XX/2017. Thank you
I had a charge card with XXXX XXXX XXXX XXXX card number XXXX XXXX XXXX with a {$4600.00} balance that was charged off. I attempted to settle this debt with Wells Fargo but was told the debt was " cancelled ''. They sent me a XXXX ( which I have attached ). A cancelled debt that I am unable to pay can not remain on my credit files. I can not be held in jeopardy for something that I am unable to correct. 

I disputed this with XXXX, XXXX XXXX and directly with Wells Fargo and they left the item on my file.
Since 2012, I have disputed XXXX Creditors on my Credit File ( all XXXX Credit Bureaus ). Also, I have disputed directly with the Creditors reporting incorrect reporting as not being mine. Whenever I call the Creditors directly, the file in question does not match with my SSN. I have tried everything possible within the rule of laws without any resolution. Please help and advise. Thanks!
Carrington Mortgage has been giving me the big runaround about a loan modification, meanwhile they are tacking excessive fees running up the amount they say they are owed. I demand that they produce a promissory note or some other proof that they are the bank that even owns the property. I should not have to hire an attorney to force them to produce proof that they are they have a legitimate copy of the note, especially if they are going to try to claim that they are owed way above what the monthly payment should be.
Bank of America representative changed my debit card number. I called in to have the company issue me a replacement card. I advised the rep several times to not cancel my current card and take it off of XXXX XXXX. I only need a replacement card. Well, the rep didn't listen - as soon as I got off the phone my card was removed from XXXX. I had to go more than four days without a card. I could not access any of my funds. I had to go without a lot items such as food. I was totally put out. The rep told me the debit card would not be changed. My bill pay was cancelled and I had to set it up again. This is unacceptable. If I knew she was going to cancelled my card, I would not have allowed it as I only needed a replacement card with the same card number. I called Bank of America - nothing has been done about this. No one talked to the rep about this or try to correct the issue.
This account was removed and proven to not be mine in XXXX of XXXX and it all of a sudden re-appeared XXXX XXXX. The first time the company was n't able to provide me with any type of legally accepted validation of such debt, my personal information was even incorrect. When I asked for validation AGAIN in XXXX of XXXX, all I received was bills with an address I never lived at, no signatures or anything that constitutes legal validation in accordance to FCRA rules. Also the company put the account back on my credit without proper notification as they were obligated to do in accordance to FCRA rules. This account does not belong to me remove it immediately or I will seek legal action.
Bayview loan servicing, not reporting our current mortgage status, we own our home, Bayview showing on our credit bureau history, we lost our home in s chapter XXXX Bankruptcy discharged on XX/XX/XXXX. We have been current with our mortgage, and due to an attorney error, s letter to reaffirm our mortgage debt was not filed withBayview, s letter of intent to keep this debt, as well as s car was filed. This error was not found by Bayview or myself till I pulled s credit report almost s year after Chapter XXXX was discharged. Bayview refuses to report to credit bureaus accurate information, due to the missing reaffirmation letter. We modified our mortgage XX/XX/XXXX We pay on time, but Bayview continues to show we lost our home in a chapter XXXX Bankruptcy! I have since sent them the copy of the reaffirmation of debt letter, my attorney is no longer employed with the law firm we used. I have sent all three credit bureaus, 10 years of payment history on our mortgage, deed, ad well as property tax statements. They will not change info on credit report. Bayview loan servicing, had recieved the documentation and continues to not report to credit bureaus. This is wrong.. they will not work with us due to human error. We pay our mortgage every month, have for years, but on our credit report Bayview shows we are not home owners! This is bad business practice. Our credit report needs to reflect that we are home owners and we pay on time. I have sent the reaffirmation letter to there company, but they will not acknowledge they have recieved it. They are a very disorganized company, and our credit is being destroyed. They need to correct our credit report, we did not lose our home before, during or after Bankruptcy. Our home and vehicle are exempt under BK laws. They new we had no intentions of losing our home. Bayview loan servicing are disorganized and take weeks or even months to handle complaints. I have been fighting to get our home ownership back onto credit file for almost three years.
This is a Repossession debt, that happen 5years ago. There have been 3 DEBT Collectors.This accounts HAS been sold to 3 different collectors. PBC trying to re aged the debt. Texas statues of limitation is " 4years ''. I 've challenged this repossession to the State of Texas. XXXX violated the Texas State Repossession laws, and Settled with me out of court. I asked them, too stop. I have file another complaint with The Attorney General of Texas. Please read : If the repo agent breaks into your garage to take the truck, that is breaching the peace " This what XXXX did ''
I opened a premium savings account with Chase Bank ( where I already had a checking account ) and the representative told me the linked debit card included up to 4 fee-free withdrawals from non-Chase ATMs. When I asked him to clarify that these transactions would be completely fee-free he said " yes, no fees, it 's just like you are withdrawing from a Chase ATM. We cover all the fees. '' This oversimplification led me to believe I was being reimbursed for all fees related to the ATM draws. For a year and a half, I used this feature and was charged by the processing bank 's ATM for every single transaction. I recently noticed these charges and called to ask why my non-Chase ATM transactions still have fees associated. Though I now realize that these are fees charged not by Chase but by the banks that own the other ATMs, the banker 's oversimplification has cost me money for 18 months. They said they had no way to reimburse me for these costs. I feel that one of the main features that led me to choose this card was n't a real feature at all, and I 'm out of money just because this banker was imprecise. 

I 'll mention that he also set up my debit card incorrectly when he first issued it, and I did n't have ATM access for days, so it seems that he might not have had proper training.
Over the past year I have been charged a monthly fee on my credit card for a service that I did not agree too. I was told It would be refunded back to me however it did not. When I would call to resolve the issue I was hung up on XXXX seperate times and ignored. This was a debt protection fee that turned out to be a scam.
Ocwen Financial is in dishonor for not responding to qwr letters. they are sending us pre-foreclosure letters, they will be committing fraud upon the courts. 

I am seeking a Quiet Tittle Action. all foreclosure proceedings for lack of standing under numerous consumer violations
Reviewed my credit report and saw some enquiries that I did not authorize, some of which are reporting two times.

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XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2018 XXXX   Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX XXXX   Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017
My personal information was used by someone else. I filed a police report and would like to know how I can get it off, and if anything else was used without my knowledge.
XXXX - Diversified {$250.00} collection from XXXX XXXX account. Never new until popped up as delinquent on credit report. I had Moved apartments as of Court order XX/XX/XXXX. I had notified XXXX XXXX XXXX from XXXX XXXX and am set up to use XXXX XXXX. Apparently I was set up with a new account and my account stayed going at old Apartment. XXXX has made it clear they are sorry and have helped out with discounting services already. They unfortunately have their hands tied with removing this, being it was sold to Diversified. They have given me a notice with the Name of '' XXXX XXXX '' and a balance for XX/XX/XXXX & XX/XX/XXXX. Yet I have explained in every phone call and mail in attempt and yet the same response is given. 
ANSWERS : Phone : They will look into/investigate the claim and Ill hear an answer in the mail. ( which is the XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ) Mail : No response What so ever. I have had to call after waiting 45+ days. Then the routine starts all over with me calling in.
Opened an Amex card with XXXX points and verified my eligibility in XXXX 2015. In XXXX and called and they said I did not qualify so opened a complaint. In XXXX the complaint was denied and called to cancel the card and the representative said that is not right to open a new complaint. On XXXX XXXX called on the new complaint and the representative told me I would get the XXXX points in XXXX, so give them the month to resolve. Called on XXXX XXXX and another representative said I did not qualify and ca n't vouch for what the the other employee said even though I had the time and his ID number So I was mislead twice on the same issue
I am the parent who took out this  XXXX   XXXX   ( Navient ) p rivate loan for my daughter. They listed student without income as co-signor. They have been promising to remove her and have not done it. Now they want to run a credit check on me to see if I qualify to have her removed. This is ridiculous and unfair to me as the consumer. Please add this to your list of complaints and make part of the current lawsuit. On  XXXX / XXXX /   17  I will submitted the cosignor removal form and proof of my income. A total invasion of my privacy when the student should HAVE NEVER been listed as a co-signor.   XXXX  This bad practice almost cost my daughter the ability to purchase a home.
On three separate occasions I have requested documents from my servicer through email. I have requested all original documents pertaining to my loan with my signature on it. Each time that I have requested the documents they acknowledged receipt of the request, but they have not followed up on the request at all. I do have email confirmation of the request and the receipt of the request. The first request was made on XXXX XXXX, 2017 and they acknowledged receipt on the same day. On XXXX XXXX, 2017 they responded and basically said send my loan number, as if they could n't get it from my email address. I sent my loan number back that same day, and have yet to hear from them regarding this issue. On XX/XX/XXXX, I sent another request and told them they had 30 days to comply or tell me they need more time in which they had 60 days. Now here it is the XXXX of XXXX, 2017 and they have yet to respond. PLEASE HELP
I am a XXXX XXXX cardholder. With the merger with XXXX, XXXX offered me 30 % more points via an emial campaign if I converted my credit card airline miles over to XXXX points. I researched both airlines flight offers extensively. It was XXXX points or {$560.00} to get a round trip airline ticket from XXXX to XXXX on XXXX with my points. On XXXX, it was {$470.00} ( it did not give me a point option because i did not have enough points. ) Believing XXXX would give a fair and simliar value for my credit card rewards, I took advantage of the offer and converted all of my XXXX points to XXXX XXXX. XXXX XXXX is now charging me XXXX points for a round trip ticket from XXXX to XXXX. This is unacceptable, unfair and deceptive advertising practices and the XXXX XXXX credit card mileage conversion program should be investigated heavily.
This is my second complaint with Chase Bank. This is additional information from a previous complaint Re : XXXX. I applied for the Home Loan Modification program XX/XX/XXXX, due to financial hardship and job loss. The first application, Chase incorrectly calculated my monthly gross and net income. I was denied. Then, I repeatedly completed over XXXX applications for a modification and I have not had any success with the HOPE assistance program recommended by Chase. During my unemployment from XX/XX/XXXX - XX/XX/XXXX, Chase appeared to be working with me to avoid foreclosure. However, throughout the process, I was repeatedly denied any homeowner assistance for a interest rate modification or alternative option. I resumed paying my monthly mortgage XX/XX/XXXX and I am currently 3 months delinquent. I understand my loan is insured by USDA, but I do not understand why I do not qualify for any loan modification. My applications stated that I " do not meet the minimum financial requirements of the investor or insurer of my loan. '' I understand it 's all about the numbers, but it is not clear what would be the min/max standard for Chase or the investor to re-evaluate my interest rate modification. What are the minimum requirements? What does chase need to calculate a proposed -post modification debt to income ratio that is within the acceptable range of the program?
the mortgage company is Ocwen..they refused to do a modification, I even got a legal aid lawyer that turned on us..after fighting with Ocwen for over two years they forced me and my family out, we did use the XXXX XXXX XXXX and they gave us a runaround.We paid other companies to help, we did.Every way we took to save our home, Ocwen through up a brick wall , they would n't compromise in any way ... although I send them adequate income all they wanted was my house and on XX/XX/XXXX they put us out, even though we had a son which was extremely ill, our son was a XXXX with serious issues, we were forced to leave and seven months after being forced out our son XXXX away in XXXX XXXX..we beg and pleaded with them, we were homeless for 17 days, we had to put our son in the hospital because we had nowhere to go, I wrote senators, congressmen, governor, even the president ( Obama ) no one helped..We knew that Ocwen was stealing the house we built away from us and nobody cared ... fourteen years, they sold our mortgage several times and yet nobody informed us.How could the government we pay taxes to, to protect us, how could they just turn their backs and allow these greedy soul-less companies steal our home..where is the justice!!!!!
Another consumer and I had a transfer with USAA. Where the other consumer transferred XXXX dollars from his account to mines and had me withdraw it and give it to him. Without me having any knowledge of me knowing that it was a scam. Then a few days later my account went into overdraft of XXXX dollars. USAA reported me to XXXX for mismanagement of my account. 
I feel that this is unfair because USAA should have not let the transaction go through if the other consumer did not have the legitimate funds. I paid of the debt and i was still reported to XXXX. and as of right now i am not able to do business with any other banks. i would like this issue to be taking care of.
I explain to the person calling that the person they are calling for does not leave at this number. But they keep calling. I am being harrass. I wish this collection agency would stop calling my home number.