WillisBack/dataset-financial-user-claim huggingface dataset:
Hi. I have a student loan thru XXXX for {$7500.00}. Recently XXXX XXXX XXXX did a name change/update that now reports a student loan owing {$7500.00} to them in addition to the XXXX student loan. I contacted XXXX and they agreed that a single loan was being reported twice XXXX same balance, same acct #, different name ). They agreed to remove the XXXX loan. They did for one month and then it reappeared on my Transunion report. I contacted them again and they agreed. Same result, gone then back. Then I contacted Transunion and they did an investigation which resulted in Transunion deleting the duplicate loan. Then the following month is was back on. I just got off the phone with Transunion and they said they will start a dispute. I asked if I win what measures will Transunion take to make sure this stops. He said none. They are powerless to regulate what info appears on my report since it is only reporting the data, not generating the data. That is not acceptable. This has been going on since XXXX ...
The following XXXX department store credit issue by Walmart and JC Penny do not apply monthly payments to the highest interest bearing transactions. 
I have promotional rate transactions for both cards that are differed interest and each month they try and pay down my differed interest. 
I have to call them every month and request my payment only be applied to my interest bearing transactions.
XX/XX/2015 I traveled to California. I noticed early Sunday morning ( XX/XX/XXXX ) that many fraudulent charges were made to my account. I tried to immediately notify Bank of America. They were closed so I had to wait a few hours until their fraud department opened. Once I reached them, the agent indicated that I had to wait for all of the pending and incoming transactions to actually clear before they could help me. So once they cleared, I had to call back again and get their assistance. 
It took a few days, but Bof A returned my money. I thought it was resolved. 

On XX/XX/XXXX, Bof A began taking my money out again. I called and after speaking with XXXX agents I was told that my claim was denied. I was told that BofA had written proof from each merchant that I made the purchases. The " proof '' indicated was my full address. 

Many of the charges are obvious - large sums of cash, the purchase of XXXX cell phones from different companies ( neither my current provider ), and multiple calls to a correctional facility. There was also an initial charge to XXXX a company that can pull all of my vital information ( address, birthday, email address, phone number ) which happen to be the items Bank of America claims they verified with the individual merchants ; this is the basis of their denial of my claim. 

I started contacting each merchant. Based on the limited information from my bank statement, the same limited information that Bank of America has, they can not find any evidence of the transactions ; which refutes Bank of America 's claim that they were able to prove that I made these purchases. If I ca n't get to who used my card and my own information, then how can Bank of America deny my claim based on that supposed information? 

I have now spoken with XXXX agents regarding this incident and have yet to be returned my {$1800.00}.
I am filling a complaint against XXXX XXXX XXXX I had a credit card With the XXXX XXXX XXXX was opened XX/XX/XXXX the last payment on this card was XXXX on XX/XX/XXXX. XXXX  XXXX XXXX researched there records when I filed a complaint case number XXXX with cfpb and said that they had nothing to do with the garnishment of my wages for this account because they charged this account off as a loss on XX/XX/XXXX with a balance of $ XXXX.The account was sold subsequently to XXXX XXXX onXX/XX/XXXX they said that they are sorry that I was unfairly treated and that I would have to get a hold of them because they no longer own or maintain this account as they charged it off 12 years ago. 
So this XXXX XXXX has a garnishment on my payroll at my place of employment for a card that was already charged off as a loss 12 years ago and this place has had it for 10 years claiming that they placed it with the judgement in XXXX XXXX court onXX/XX/XXXX again 8 years later then they placed it with the XXXX of XXXX XXXX XXXX in XX/XX/XXXX and had them send a letter to my work to receive {$2600.00} from me for a debt that still from the date of the City Court was 8 years later I spoke with my lawyer and he said the statute of limitations runs out after 6 years from the date that you made the last payment and that this company is not adhere to all fair lending laws and regulations he said he will give them a chance to make this right with this complaint I want this to stop coming out of my pay and I want the money that they have received from my pay in the amount that they have received so far XXXX not only have they embarrassed me at my job but they are not doing the right thing to people and they should make this right also when I called them regarding this matter they were rude and said if you want this out of your hands gives us the hole amount and we will remove it and that I don't know my laws its 20 years and that what I owe them in interest and thats to bad I should have payed it in XXXX. 

I feel that if they are doing this to me then they are doing this to many other people and they need to make this right am also filling a complaint with the XXXX office on this matter so they can see what these people are doing and how they need to get involved.
I pulled my credit XXXX, I noticed that I had inquires that I did not authorized at all. I have called, fax and sent certified letters as well to TranUnion and have gotten nowhere with them. I have agreed to put fraud alert on my credit, they still give me the run around. They just do n't care about anything, I told them my credit means everything to me and I want those inquires removed. They told me they will not remove them. I need your help because I value my credit and need it to survive because everything in life is credit driven. I just re- pulled my reports today and nothing has changed on my credit reports. 

Sincerely,
I purchased a new vehicle from XXXX XXXX in Michigan where the salesperson fraudulently had me " robo '' sign documents, which I signed and the figures were later changed. The initial lender was XXXX XXXX and it was transferred to Ally Financial. When I turned the vehicle in, the balance was and had always been paid in full, except when Ally refused to address the fraud at the start of the loan. The Car had some damage, which was paid for in full by my Automobile Insurance Company, XXXX, to Ally but they are still reporting a negative account on my 3 Credit Bureau Accounts.
I am in a repayment program with the XXXX. I have been making successful monthly payments at the agreed upon amount for the past nine months. The XXXX has my correct contact information. For no valid reason, the current account assignment, GC Services LP, has dug deep to try and harass my family. They were caught calling my mother asking for my XXXX brother so they could ask him for my contact information ( despite already having it? ). It is unclear how they knew my brother 's name, seeing as I have never provided it on any loan document and would have no reason to, since he 's XXXX. When I called GC Services LP to complain, they said they " have resources '' to find such information. This debt collector should be immediately removed from all approved contracting lists of the federal government and the XXXX needs to quit wasting my tax dollars on " assigning '' paid up accounts to unnecessary debt collectors just because at one time in history I had no means with which to pay. A valid, paid repayment agreement directly with the Department should immediately bounce a loan account out of the XXXX XXXX and back into the XXXX XXXX system. It 's really not that hard to not waste my tax dollars. Try it sometime.
I have sent numerous ( 11 ) certified and Notarized letters to Equifax to correct errors found on my credit report but to no avail, the reply Ive gotten back is " The disputed item ( s ) was verified as belonging to you and information has changed or been updated to reflect recent activity ''. I have repeatedly requested the names, addresses and telephone numbers of individuals Equifax contacted during their investigation repeatedly advising any automated response or XXXX verification is unacceptable and again still no avail. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. Repeatedly, I have asked Equifax with written notices requesting a correction on my report. Repeatedly, reporting incorrect information Equifax refuses to correct. I have sent copies of my identification to include Drivers License and SSNcard repeatedly. Again, failure to correct. After several ( 11 ) unsuccessful letters, I have experienced tremendous stress and anxiety as a result of multiple attempts to correct Equifaxs false reporting and failure to correct such errors which my identification has repeatedly been provided and the letters sent were Notarized. The entire experience and repeated attempts for correction have imposed upon my significant distrust, frustration, and distress, and has rendered me hopeless as to my ability to regain my good name and the credit rating that I deserve and has worked hard to earn. My requesting that Equifax delete specific items in my credit file that is blatantly inaccurate, by failing to conduct a reasonable investigation into my disputes in this regard, Equifax willfully and/or negligently violated the Fair Credit Reporting Act 611 ( a ) 15 U.S.C. 1681i ( a ) ( 1 ) with respect to each dispute lodge
On XXXX XXXX, XXXX I faxed a discounted payoff offer to WELLS FARGO HOME MORTGAGE for 2 loans I have with them. 

On XXXX XXXX, XXXX I spoke to XXXX with ID XXXX and she transferred my call to XXXX ID # XXXX of the Home Reservation team and she was not able to assist me therefore she transferred me XXXX of the " Re-Entry '' team of Wells Fargo Home Mortgage. 

XXXX explained that I NOT am eligible for a loan modification, however I received a letter from Wells Fargo Home Mortgage that I am eligible for options that included loss mitigation in a form of a loan modification, short sale, deed in lieu etc., she further stated that this letter was approved by CFPB. 

My concern with Wells Fargo Home Mortgage is there contradictive behavior. When I explained to XXXX that I have a letter from Wells Fargo Home Mortgage condricting her statement of eligibily of loan mod she said its " generic '' CFPB approved letter that everyone gets. 

Well I was shocked to believe that the CFPB would allow to send generic letters to go to consumers stating that they have loan modification options when in fact they do n't! 

I finally asked XXXX since according to her I am not eligible for a loan modification, what am I eligible for? She replied, deed in lieu or short sale. She said the short sale must be in 10 days prior to the sale date. 

I proceded with a short sale option and Wells Fargo Home Mortgage accepted my short sale documents but after a few days of requesting documents the loan XXXX XXXX XXXX removed it. 

My complaint is the emotional and mental abuse Wells Fargo Home Mortgage has put me through by telling me what I am eligible for in writing and then contradict themselves and then tell me I can still conduct a short sale and I commit to it and then they tell me no even when timely. 

I need the CFPB to interject and reprimand Wells Fargo Home Mortgage for the deceptive games they conduct upon consumers like myself. 

I further ask the CFPB to investigate their wrong doing and bad faith actions against me.
On XX/XX/2018, my XXXX  Fraud alert contacted me about BANK OF AMERICA obtained a copy of your XXXX Credit Report without my knowledge or authorization.
I was a teller at a bank years ago so I am aware of how they process transactions. The credits are processed before the debits. For example, if you have an overdraft fee that is pending but hasn't posted to your account and you make a deposit that same day the fee should fall off. Just like sweeping funds from an overdraft protection account. A few months ago I made a deposit while the fee was pending and they charged me without regard. I reported them to the Federal Reserve and just recently got a refund after all this time. But then the same scenario happened again earlier this week. I know this goes against the banks precepts and since I know that the majority of a bank 's revenue is made with fees, this seems to be fraudulent and should be addressed. I have been with this bank and prior to this, my former employer was another large institution. This is definitely atypical.
I have tried to dispute my tax lien through the regular written letter credit bureau investigation process XXXX with no resolution or response. I included the document from the Georgia XXXX XXXX XXXX showing that it is satisfied and cancelled and the bureaus have n't properly investigated and deleted it from my reports. I have attached the letter again for you as well. They combined the accounts for XXXX and I and the receipts attached show they were paid. Please help. I look forward to quick resolution because these are impeding my ability to move forward financially.
This company is taking 23 % of my paycheck. It is a high-interest loan company. I only make about {$1100.00} every two weeks and now I am only bringing him about eight hundred and can not pay my rent and take care of my family. This started on XX/XX/2018. They would not listen to me when I told them my wife has lost her job and put the past due amount on the back burner instead they added more interest.
I have a mortgage with Wells Fargo ( Loan No. XXXX ) and first put my XXXX XXXX house ( XXXX XXXX XXXX, XXXX XXXX, OH. XXXX ) on the market in XXXX 2015. I have maintained this property since I was divorced and filed bankruptcy in 2000. However, due to the house needing repairs that were beyond my financial ability to handle, I applied for a short sale in early 2015. I was approved for a short sale and Well Fargo appraised the house at {$22000.00}, though I owed {$62000.00}. I re-located in XXXX of 2015 due to conditions becoming un-livable. There have been no offers or even buyers inquiring on the property at {$22000.00}. 
Wells Fargo then retracted my approval for the short sale in XXXX of 2015. I then submitted an appeal with my updated financial worksheets showing a deficit. I asked for XXXX of XXXX options : 1. a deed in lieu of foreclosure. 2. Reconsideration of the short sale and an updated appraisal of the house based on fair market value. 
I was approved for the short sale and an appraiser from Wells Fargo was sent to property. However, they refused to release an amount. My realtor & I received an offer for the property of {$5000.00} and submitted this to Wells Fargo on XXXX/XXXX/15. The following properties have sold in my area for the amounts listed : XXXX XXXX XXXX, XXXX XXXX was listed at {$29000.00} but sold for {$5500.00} XXXX XXXX XXXX, XXXX XXXX sold for {$7000.00} XXXX XXXX XXXX, XXXX XXXX sold for {$6400.00} XXXX XXXX , XXXX XXXX sold for {$4500.00} I received a letter from Wells Fargo dated XXXX XXXX, 2015 that the short sale was again retracted. When my realtor, XXXX XXXX ( XXXXXXXXXXXX XXXX ) called Wells Fargo to find out why she was told that I had a surplus in financials due to the following : They do n't count tithing as an expense. 
They have limits on certain categories as to how much I can count as an expense. 
The first reason seems like a violation of my religious freedom. The second reason seems impossible to meet. My realtor was told that a single person could only count {$250.00} a month for ALL automobile expenses ( gas, insurance and car payment ). I spend {$100.00} a month on gas, {$97.00} a month on car insurance and {$300.00} a month on a car payment. This limit hardly seems reasonable. 
My house is going into foreclosure after my attempts to work with Wells Fargo. I feel I am trying every attempt to avoid foreclosure and work with the bank but I am hitting walls. I would like to resolve this issue and allow the house to sell for what is fair market value.
I recently met with an attorney regarding errors on my credit report and learned that XXXX XXXX XXXX is incorrectly reporting mortgage account information on my three credit bureau reports. My last payment on my XXXX XXXX XXXX Mortgage was dated XX/XX/XXXX ; therefore, the status date on the account was XXXX. This account should have been removed from my three credit reports XX/XX/XXXX.
I can not access my account and never received the credit card. I am attempting to make a payment as I have made a purchase on my XXXX account. The customer service representative can not accept payments and the automated system that it refers you to only hangs up XXXX. The customer service rep for XXXX said she does not have another number that I can reach out to Synchrony Bank at she told me to call back after XXXX. I ca n't get out of a loophole with simply trying to obtain my credit card and simply making a payment.
I was never contacted by Cavalry Portfolio Services. They placed an account that was already in dispute with the Credit Bureaus as not mine on my credit as a collection account. If i would have been contacted by them they would have known the account was in dispute because i have no knowledge of it. I will not be bullied in to paying for something that i have no knowledge of ... ... this account was never validated. <P/>Cavalry Portfolio Services XXXX
" " '' I have disputed this collection on this XXXX XXXX   XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
My name was one of the ones included in the recent Equifax hack. As a credit-reporting agency, I feel like their Information Security team should be one of the best in the field, if not the best. I do not understand why simple bug in website coding allowed such a massive breach unless some portion of Information Security was grossly overlooked.
I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as XXXX, XXXX, and Transunion. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue
I applied for and was approved for a trial loan modification in XXXX XXXX with Ocwen Financial. I have made every modification payment on time in full. The Trial Modification ended In XXXX XXXX when I was approved for a permanent modification. I pulled my credit report and found that Ocwen has been reporting my mortgage as late every month since XXXX XXXX. I contacted Ocwen and tried to resolve this issue and was told that according to the agreement that I signed that they would report the mortgage as late. I went over the agreement with them and the credit reporting section states that " if the loan was in default at the time of the modification that they would continue to report it as late ''. I was not in default at the time of the modification. All of my prior mortgage payments were paid on time and in full. I was then told that XXXX payment was not received. I explained that when I went on line to make the XXXX payment that the new Modified payment amount was the only payment option available and they changed the payment due date to reflect the trial modification that I was approved for. I made that payment. I was then told that during the Trial modification that the full contractual payment had not been paid, only the modified amount and they are referring back to the original loan payment amount. This is an unfair predatory lending practice due to the fact that I signed a new contractual obligation during the Trial Modification and they should honor the new agreement they made with me as Payment in Full during the Trial Modification period. Also I was not informed at any time prior to or during the trial Modification that the mortgage payments I was making would be reported as late every month. I would not have opted for a loan modification. I was not having trouble making my mortgage payments. In XXXX I contacted Ocwen to try and see if they could offer me a reduced Annual Percentage Rate and the option that was offered to me was a Loan Modification. I have filed a dispute with all three credit bureaus and the response was that my credit account has been updated. Not changed. The unwarranted lates are still reflecting on my credit reports. I am currently in a real estate transaction. I have a pending offer on a house I wish to purchase to expand my business and I can not get approved for funding due to the erroneous information that Ocwen has been reporting. They have completely destroyed my credit. Any help you can offer would be greatly appreciated as time is of the essence. I have a XXXX XXXX XXXX!!! Thank You.
I lost my wallet and a WalMart credit card was stolen. Ge bank recognized the charges as fraudulent and the charges on the card would not be reported to the credit agencies or a collections agency. Except XXXX things happened even after he made XXXX months of payments after the letter saying the charges were fraudulent. My wife and I both have contacted ge and they 've told us they would resolve the issues but have n't and refuse to speak to my wife now.b we do n't have time for this and this has kept us from buying a house and car and getting a better job because it 's the only thing on my credit report. This is unacceptable and they need to fix this. I have original letters from them and police reports. I would like my money back I paid for charges o did n't make.
I filed and got a chapter XXXX discharge in XXXX 2011, XXXX of my creditors was XXXX XXXX for a career loan through a non credited school, which was included in the Bankruptcy. I have started to get calls from XXXX XXXX XXXX systems of XXXX, Ohio as of XXXX XXXX that my career loan was not qualified for XXXX. And I have to pay the full amount. After XXXX years? I have contacted the XXXX XXXX loans and confirmed the loan is not a Federal Student loan. This loan was a signature loan for {$50000.00} and now the XXXX party collection company is claiming I owe {$12000.00}. Looking for help to resolve this as I was under the assumption this was discharged as well. Under IRS policy this is not qualified as an student loan.The collection company has called my family members and stated this is an attempt to collect a debt ( why are they sharing private information with family and friends )?
Shellpoint has lied to me and to the CFPB for years now stating that they have approval from the investor of this loan to review me for an assumption and modification because I am not an original signor on the note but was awarded the property in my divorce decree and a XXXX, which makes me the successor in interest. Now, they have dual tracked for about the 100th time and even though I have a letter from them stating otherwise, there is a foreclosure sale date on my house. Shellpoint has been unfair, deceptive and abusive through every step of this process that has dragged on for YEARS!