WillisBack/dataset-financial-user-claim huggingface dataset:
Hi, Ive made every attempt possible to contact EXPERIAN credit bureau to an avail. 
Its virtually impossible to reach anyone at Experian to either assist in buying a credit report or in my case all three XXXX, Experian and XXXX. I have an alleged membership number and all i want to do is buy a new 3 in 1 combined credit report for {$39.00}, as I have in the past on their website. The website experian.com now will not allow such a purchase without them trying to upgrade you to a monthly membership which I do not want! I've attempted on several occasions to contact them through their customer service line XXXX and XXXX, and can not reach anyone regardless what options you choose. Please help myself as well as all others experiencing this mess.
On XXXX XXXX and XXXX my husband XXXX XXXX and I became victims of an outrageous scam. It all started with a phone call from someone who introduced himself as an " IRS agent ''. He said we had some outstanding tax charges ( we did not! ) and he was very aggressive on the phone. He gave my husband a really hard time basically saying that if we do n't pay immediately, my husband will be arrested. All of this continued for 2 days while those " agents '' kept my husband on the line non-stop, not giving him a chance to think clearly. He was drawn into a state of causeless fear, and so did I. More than {$35000.00} was sent by us over the course of 2 days via XXXX gift cards under the pressure and manipulation of the criminals. Beyond devastating. Nearly half of that money came from our Chase accounts. First my husband withdrew {$5000.00} from his Chase business account on XXXX XXXX upon the initial threat of those crooks, and then the next day on XXXX XXXX we kept coming back to Chase 3 times (! ) throughout the day withdrawing more and more money from our savings account, totaling {$12000.00} in a single day. No one at Chase asked us a single question why, all of a sudden, we are withdrawing so much money in one day ( when normally we would NEVER take out any money out of our savings account ). Would n't this be a red flag?? I remember 5 years ago or so we needed to withdraw an extra {$300.00} and the ATM machine stopped us! What is happening now?? The security measures at Chase really seem to have gone down a lot, making it unsafe to keep money at the bank. With all the scam and fraud going on these days, would n't it make sense to impose a very strict withdrawal limit per day? Would seem such reputable bank as Chase ( or so it is presented ) should have taken better precautions long time ago.
A while back, I had filed a complaint against PNC Bank with CFPB because they were repeatedly sending spam mail. 

At that time, PNC Bank had responded to the CFPB complaint and permanently opted out my name and mailing address from the mailing list they use for sending spam mail. 

Now, after a long time, I have started receiving new spam mail from PNC Bank. 

I have attached scanned copies of the front and back of the new spam mail.
I purchased two {$200.00} XXXX gift cards from a XXXX in Washington DC on XXXX XXXX, XXXX. When I went to register them online on XXXX XXXX, XXXX, one card had someone elses name associated with it and two unauthorized transactions from a XXXX XXXX XXXX in New Jersey, and the other one was frozen. I spoke with XXXX in your customer service department who indicated that the frozen card had somehow been used in XXXX XXXX despite not being activated until XXXX XXXX, XXXX.
I was on the income based repayment program for about 2 years. During that time, interest continued to accrue which was then capitalized. The reason someone goes on a program like IBR is because their salary is not enough to allow them to make the regular payment. I checked the payment history today. {$68000.00} in INTEREST and {$35000.00} in Principal. The outstanding balance is still very high and accruing interest at 6 % ( higher than private lenders ). The amount I paid for the interest that accrued during IBR should be applied to the Principal. The true middle class of this country is going to be forever burdened with debt if they are paying student loans their entire adult life. If a private lender charged the amounts and had a disproportionate balance as I listed above, they would be in legal trouble for usury but somehow that does n't apply to the federal government. 
Who gets to hold the federal government accountable for this? 
It would also be prudent to allow people the option to have their federal student loan payments deducted from their check pre-tax. This provides the government with a guaranteed payment and saves the borrower from being double taxed- taxed on the income then taxed on the balance of the student loans. This option would provide borrowers with a little extra money in their pockets at the end of the month, perhaps so they can make additional payments on their outrageous student loans.
Wells Fargo is reporting late payments for the months of XXXX, XXXX & XXXX XXXX when in fact the payments were made as agreed. 

Here is a summary of the documentation and reason for dispute. 

In XXXX of XXXX I contacted Well XXXX to refinance my home but could not because our home value is still too low and I was advised to contact the Home Preservation Dept about a modification to reduce the interest rate. I began working with the representative of XXXX who approved a trial period of 3 months which would lead to an interest rate reduction. 

I received a payment agreement on XXXX XXXX XXXX with an arrangement of 3 payments of {$2600.00} for the months of XXXX, XXXX & XXXX XXXX. Upon completion a loan modification would be completed. Complete copy of the Mortgage XXXX XXXX Notice Document included. 

For the months of XXXX, XXXX & XXXX of XXXX payments were phoned in as directed and on time. A copy of the account payment history has been included in the file. Also included in the file is a copy of personal bank statements to substantiate the payments made on time. 

Payments for the trial period were made on time and the modification to rate reduction was approved. Its worth noting that we have never been late on our payment and would not have qualified for the modification had we missed a payment during the process. 

Because the payments for XXXX, XXXX & XXXX XXXX were set by Wells Fargo that is the amount paid. Therefore there is no justification to consider any payments late. 

When I found out about the late payment reporting in XXXX XXXX I contacted Wells Fargo customer service. They reviewed my information but informed me they were reporting the payment history correctly. I made several attempts at several levels since XXXX to resolve this issue but have been told the payments made in XXXX, XXXX & XXXX dont count because they were not the amount on my original note even though it was the payment they established for the trial period of the modification. 

The last representative I spoke to insisted to me the dated XXXX XXXX, XXXX stated that they would report my payments late. We went over this document together but she was unable to point out to me where it stated that making the agreed payments to the trial period would result in a 30 day late payment to the credit bureaus. 

Because it was never explicitly disclosed that making the trial period payment as set forth by the mortgage company would in turn cause a late payment, the late payment history should be removed from my personal credit report. 

Please remove the late payments being reported to my credit report for the months of XXXX, XXXX & XXXX XXXX Thank you for your time and consideration in resolving this error XXXX XXXX
XXXX & mary jane elliott pc obtained a judgment after i paid as agreed 18 monthly payments, then my student loans were garnished & i had to replace a furnace. I live in michigan & was unemployed for about 24 months, lost equity in home & small XXXX. I 'm XXXX yrs old. The underlying credit card ( XXXX or XXXX XXXX XXXX ) was weeks away from expiring when it was transferred, possibly sold outright so i dont know who owns it!
I contacted Experian Via Certified mail XXXX, Rec 'd on XX/XX/XXXX. I had requested a copy of the verification from Experian for the Chapter XXXX Bankruptcy ( # XXXX ). I contacted the US Bankruptcy court and was informed that they do n't deal with credit reporting agencies. That they have there own sources to place inquries on my consumer report. I have placed Security Freeze back on XX/XX/XXXX, XXXX, XXXX, XXXX And XXXX so I am not understanding how Experian was able to verified Bankruptcy, so I have a freeze on 3rd party consumer. I demand that the Bankruptcy be removed from my file due to lack of verification and inaccurate reporting of verification date. I have not receive the documentation shown proof of verification. Because third party consumer do n't disclose information on accounts with a security Free place on them. 
Also on XXXX inaccurate social security number was place on my report : ( XXXX ) Does not belong me.
I used the {$370.00} " Cash Rewards '' balance on my XXXX XXXX XXXX XXXX to pay my {$350.00} outstanding month-end balance. However, Citi requires you to also pay your " minimum payment due '' amount or your account is considered " past due ''. So, in my case, if I had not used the credit card during the month, I would have had a {$15.00} credit balance ( {$350.00} amount due less the {$270.00} credit )! Citi describes the reward as " cash '' and even includes the word " cash '' in the credit card 's name. Yet it does not qualify as " cash '' when you use it to pay off your balance! This is wrong and needs to change.
This is the letter I wrote to SLS ( Specialized Loan Servicing ). I have called and spoke with various people for hours, had difficulty understanding the increase in my mortgage, was not provided with a clear explanation. They do not allow for call backs to me during work so I have to hold. They finally told me it would take them 6 weeks to get an explanation to me for why my monthly due has increased all of a sudden by {$200.00} ( almost exactly ) a month. 
See below -- -- -- -- -- -- -- -- -- Dear whomever it may concern at SLS, I have contacted XXXX representatives in Customer Care this week by phone ( week ending XXXX/XXXX/2016 ). There has been an increase in my monthly statement balance beginning XXXX/XXXX/2016 of {$200.00}. I was originally paying {$720.00} and the XXXX/XXXX/2016 statement showed a " Total Amount Due '' of {$920.00}. 

After not receiving a clear explanation from Customer Care, I spoke with XXXX in the Executive Services Department. She advised that this was due to an increase in the Amount Due for Escrow ( for Taxes and Insurance ). Before XXXX/XXXX/2016, the Escrow Amount Due was {$71.00} and for the XXXX/XXXX/2016 statement, the Escrow Amount Due was {$270.00}, a {$200.00} increase per month. 

I want to know what is the reason behind such a high increase per month. Is it an increase in property value, property taxes, insurance, and if any of the above, why? I believe I have a right to an explanation and a right to see the breakdown information supporting this {$200.00} increase per month. 

** Please advise immediately. 

** I have a right to a clear explanation and do not wish to be charged this amount for the XXXX XXXX, 2016 statement, unless I receive a comprehensive explanation. 

Other relevant information : my loan servicer changed and my loan was transferred to Specialized Loan Servicing ( SLS ) from XXXX XXXX XXXX ( XXXX ) in XXXX 2016. My Escrow Amount Due for XXXX/XXXX/2016 was {$190.00} when my loan was first transferred, my Escrow Amount due for XXXX/XXXX/2016 ( the next month ) was {$71.00}, and my Escrow Amount due for XXXX/XXXX/2016 was {$270.00}. 

Thank you.
I opened a checking account and a savings account late XXXX, 2019 with citibank under a promotion they were running where you would get a {$400.00} bonus if you opened both accounts and put so much money in the account for 60 days. I did meet the requirements and had not received my bonus money so I called. I was told I had to wait another 90 days to receive the bonus money, so it should be in my account middle of XXXX. I just called today to inquire and the gal originally said I had to wait until XXXX for the bonus. After I explained to her what 60 days plus 90 days equals in months she proceeded to calm down and look into it further. After being on hold for 10 minutes she came back and said I should have been paid last week but for some reason I wasn't and she would have to transfer me to someone that dealt with online bank accounts. She proceeded to hang up on me. I would like my {$400.00} bonus money paid as agreed by 2 parties now that said I met the requirements for the bonus money, as well as a look into the poor customer service I received on the phone today. XX/XX/2019 roughly XXXX central time. Thank You.
Debt collector - threatened to obtain legal action ( judgement ) however there are no details on how they determined the debt ( medical bill ) no date of service, where etc. 

We get XXXX of medical bills a month as we take care of our ill father. This tactic is disturbing
XX/XX/2015 I took out a {$2000.00} cash advance from USAA. I was told over the phone that once I pay off the {$2000.00} cash advance, that I 'd no longer accrue interest on that advance. I even called USAA credit card customer service today and asked them to explain how the cash advance interest accrual system works. The representative advised that once the balance is paid off ( {$2000.00} in this case ), the interest accrual will cease. I advised the representative that I 've paid off more than {$2000.00} worth of payments since the cash advance was requested XX/XX/2015 and wondered why I was still being charged interest if what he said was true. He then came back and advised that " after doing research '' it was discovered that interest on cash advances will only cease once the credit card statement balance is paid in full. The issue is that I 've had a balance on my credit card for years and USAA knew that when I requested the advance and failed to disclose that over the phone. I feel cheated. This is obviously a UDAAP violation ( unfair deceptive act and practices ). Now I 'll be paying interest on the cash advance for years. To top it off, I requested the cash advance papers I signed to confirm the small print that they disclosed this and the representative advised to look for it on USAA.com ( but failed to provide an exact path to locate the documents ). I feel cheated.
THE IC SYSTEMS IS TRYING TO COLLECT A DEBT I DO NOT OWE. XXXX. 
THEY MAY AS WELL STOP WASTING THEIR TIME CALLING HERE BECAUSE I WILL NEVER ANSWER THE PHONE IF I DO NOT RECOGNIZE THE NUMBER OR IF IT'S NOT A PERSONAL ACQUAINTANCE OF MINE. SORRY SCAMMERS!!!!!!!!!!!
Consumer Finance Financial Protection Bureau Re : Fraudulent handling of escrow funds complaint : Ocwen Home Loan LLC Act XXXX Dear Sir or Madam, On XXXX XXXX, I received a letter from Ocwen Home Loan LLC Insurance department advising XXXX had canceled my policy and their intention of imposing lender-placed insurance. I contacted XXXX who advised they did cancel the policy for NON-PAYMENT. 
Upon learning of the non-payment, I checked my online Ocwen mortgage loan account records to find Ocwen reports they paid XXXX {$3700.00} out of my escrow account on XXXX XXXX for a policy good thru XXXX XXXX, XXXX. ( copy attached ). 
Proceeding thru my Ocwen account records I searched for escrow disbursements for the date range of XXXX XXXX XXXX thru XXXX XXXX XXXX. I did not find a record that Ocwen indeed paid XXXX for my policy as they fraudulently reported paying after deducting {$3700.00} deducted from my escrow account. 
I am requesting the assistance of the Consumer Financial Protection Bureau in getting Ocwen to return the {$3700.00} to my escrow account and dispersing a check to XXXX for {$3700.00} to pay for the homeowner 's insurance policy on the property. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX
On  XXXX   XXXX , I submitted required documentation toward disputing several items on my credit report and notifying   XXXX   Equifax and  XXXX  that I was a victim of identity theft. I submitted all the required documentation that was required by the individual credit reporting agencies and that which was required by law under FCRA sec  605B ( 15 U.S.C. ..1681c-2 ) the law states the with submission of my proper identification, along with la w enforcement notification, ie. a police report identified items shall be block in no more than 4 business days. Upon approach to the issue, all institutions stated that there practice is to investigate for 30 days and that I would be notified at that point. Not only is this confusing it is illegal to the legal duties of upholding the aforementioned rights of the consumer. I am placed into a position of feeling victimized twice. I seek that the information be blocked immediately for I am neither benefactor of the accounts nor did I give permission to another.
I contacted Ad Astra, a collection agency based out of Kansas who was been reporting I owe them {$650.00} from a XXXX  payday loan from XXXX. I contacted them in XX/XX/XXXX in which they offered me a settlement of {$500.00} on the debt for {$650.00}, I do not recall them saying anything about it expiring. 
I contacted them again in XXXX of XXXX in which they still had that settlement available for {$500.00}. The representative incorrectly disclosed the existing debt to what would be an unverified 3rd party  on the inbound call, which violates FDCPA. 
I called them again last week and asked to pay the {$500.00} settlement, and now they refuse to take it, stating that it expired and now I can only pay the {$650.00}. I asked to speak to a supervisor and received the run around by the rep who was apparently passing messages from myself to her supervisor, and back through to me about why she's not going to take the call. ( This is unprofessional ). 
I ask to speak to the Director of Operations or the director of the floor and was told that there was only one manager in, and it was XXXX. After alot of begging XXXX did finally take the call and refused the {$500.00} payment of the settlement I was offering to pay today. I advised her that one of the reps there committed 3rd party disclosure on the call in XXXX and although she said she can review the call, she did not seem to care much. Ad Astra never advised me of the settlement expiring and I feel that as soon as I was ready to pay, they took it away and want the full balance now. 

I request that the CFPB does an independent audit at Ad Astra,  reviewing every settlement call they have ever had to see if in fact they do or do not expire, and if they have ever accepted a settlement from a consumer after it allegedly " expired. '' I feel that that the {$500.00} COULD still be taken, but they are instead attempting to take advantage of an unemployed consumer to get more money.
I divorced my husband on XX/XX/XXXX, on the divorce decree he was supposed to redo the loan and put it on his name only ( see atach 1 ).

At a later time, we went back together, however, during this time he forced me to give him a quit claim ( see attach 2 ) He got the title but the loan remained on both of us name. Upon his death XX/XX/XXXX the mortgage company removed him from the debt and make me liable for the full amount, so I am not able to refinance or sale the property because I am not on title. 
Due to the hardship, on XX/XX/XXXX, I started a loan modification with XXXX XXXX XXXX and the outcome was denied on a letter dated XX/XX/XXXX ( see attach 3 ) they stated I did not qualify. On XX/XX/XXXX the loan was sold to Bayview ( see attach 4 ) and I requested another loan modification on XX/XX/XXXX. I submitted all the required documents, then I found out that they change my asst manager XXXX XXXX ( see attach 5 ) I started with another asset manager XXXX XXXX ( see attach 6 ) I submitted the papers once again, three appraisals were done during this time ( see attach 7,8,9 ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX All the papers were complete by XX/XX/XXXX ( see attach 10 ) then I received another letter dated XX/XX/XXXX stating that it was incomplete ( see attach 11 ) Due to the fact that the property had equity, they determined not to approved the loan modification. ( It took about a year to get an answer ) At the present time I got a third asset manager, XXXX XXXX handling my case. 
On XXXX XXXX got a NOD. Two days ago I found a notice of trustee sale taped to my front door ( see attach 12 )
Personnel from Warner Asset Location Services called me multiple times per day while at work but would not disclose the reason for their call. I do not have any business with any company by that name. I believe they are a successor in interest to a payday loan company, XXXX. I have make arrangements with XXXX to pay this debt and others. Personnel from XXXX also called my employer and relatives frequently.
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated.
Hi I stayed In XXXX XXXX apartment and after 16 months and I had a lease for six months which got expired in the month of XXXX 2015. I did not renew the lease and My landlarod agreed to extent the lease for 2 month but he did not sent any renewal lease papers .In the month of XXXX dated XX/XX/2015 he sent me notice to vacate the apartment. I vacated the apartment as per dead line and hand over the keys. Now he is asking to pay the rent for three months even did not return even my deposit. I am enclosing the Notice and letter sent by my Attorney.
The above is what was issued for the report-case number. 

XXXX had reported an account through various agencies for over 7 years. My XXXX count was closed in 2007. I have disputed this and had it removed before due to age and they have sold this debt and reported it for close to 9 years for over 400 dollars. Now under pinnacle for {$460.00}.
In late XX/XX/XXXX we used XXXX XXXX to find a competitive offer. We were subsequently contacted by XXXX XXXX of XXXX XXXX XXXX  XXXX with an offer to borrow at 3.875 %. We submitted the requested personal/financial info on XX/XX/XXXX and were soon notified that the loan was approved. Fast forward 2 months to mid-late XX/XX/XXXXafter much follow upon our part and we're asked to sign closing docs at a significantly higher rate that we only happened to notice in reviewing the docs closely. I REPEAT, NO PERSON EVER COMMUNICATED AN ADJUSTMENT TO THE ORIGINAL TERMS yet we were told to sign and return electronic signatures. 
I brought this to the attention of MB senior mgmt and after more than a week their best offer was for me to pay additional $ to buy down on a rate higher than my current mortgage. 
This is not acceptable to me and I request a better compromise.
I have sent in a multiple inquiry letter more then once to Equifax trying to get these unauthorized inquiries off my credit report because they are unable to verify the inquiries and I have contacted the creditors to make them aware they are fraudulent and they referred me back to the credit bureau and I am tired of getting the run around and just would like them removed off my credit report. I am trying to buy my first home and all these inquiries do not look good with the lender XXXX