WillisBack/dataset-financial-user-claim huggingface dataset:
I have attached a 38 page pdf file documenting my experience with Barclay 's Bank Card for a service I paid for that was not rendered. As you review the attached information you will see that I contested a charge from XXXX For Less to fix a transmission of one of my cars that I repeatedly had to bring back to them to fix which they never fixed correctly. Barclay 's Bank Card initially credited my account for this issue, but then put the charge back on my card based on the vendor 's hand written letter indicating that I had a 2 year warranty for the work performed. Based on this I continued to take the car back to this vendor to have it fixed correctly which was never done, then coming to the end of the 2 year period I resubmitted to Barclays Bank Card for this to be credited to my account which they responded that it had been too long for them to contest this with the vendor. You will see that I continued to contest this entire escapade with Barclays Bank Card and during that time they turned my account to their collections department while I was still engaged with their billing dispute department. Finally after over a 2 year dispute I agreed to settle with Barclays Bank Card with the condition no late payments would be filed with the credit bureaus which is the reason for my complaint. The fact that Barclays Bank Card says they tried to contact me for more information and I did not reply to them is insulting. You will see in the attached documents I contest the fact that I did not respond. My request is quite simple, although I am not pleased at all with this entire experience with the vendor as well as Barclays Bank Card I do not feel that late payments should have been reported to the credit bureaus causing my credit score to drop 77 points because I was still in communication with the Barclays Bank Card 's Billing Dispute Department trying to resolve this situation when they apparently flipped my account to their Collections Department. The last point I would like to make which I am sure you in your line of work are familiar with is that with well over 100 hours invested in my attempt to resolve this situation I was never able to speak with someone who had the knowledge and authority to help me with my problem. I repeatedly was told the same things as if they had a script which can also be seen in the attached correspondence. Finally the only thing I am asking for is to have the late payment reporting to the credit bureaus retracted based on Barclays Bank Card inappropriate handling of this situation. Thank you in advance for your help with this matter. XXXX XXXX
My mortgage company, Nationstar Mortgage, is setup to direct bill/pay my insurance through my escrow account. For many years this has been happening without issue. Apparently in 2015 as of XXXX my insurance was canceled due to none payment. The insurance company issued Nationstar a cancellation letter indicating payment must be received by XXXX XXXX to avoid cancellation. Instead Nationstar submitted payment on XXXX XXXX. The insurance company returned the check to Nationstar on XXXX XXXX and Nationstar did not mail the check to me until XXXX XXXX. I called Nationstar today to find out why they mailed me this check, they said they had no idea, asked if there was a claim or an incident. I said no, then continued to say they have no idea and suggested I deposit it and return the money to my escrow account just in case. I then called the insurance company myself and discovered Nationstar paid late and therefore my policy was canceled. The insurance company had an old mailing address so they did not notify me, however Nationstar has my current information and they not only did not notify me, but they are unaware that my insurance was canceled 5 months ago. My insurance lapsed in XXXX and my mortgage company still has no idea in XXXX. I am actively pursuing a new policy now but I do not want to be responsible for the high cost of Lender placed insurance because Nationstar messed up, again. This is my second complaint with the CFPB and I can not emphasize enough how discouraged I am with Nationstar as my mortgage company, and I am often greatly dissatisfied with my service and customer support.
Applied for a VA refinance loan with LOAN DEPOT in early XX/XX/XXXX. Caught them in numerous lies, bail and switch tactics and potentially fraud. Paid for an appraisal of our property on XX/XX/XXXX. Appraiser was here on Saturday, XX/XX/XXXX and was completed. He then sent the appraisal to the VA offices located in XXXX, AZ within three days of completion. After catching LOAN DEPOT in yet two more out and out lies, we started paperwork with another lender, yet did not cancel our loan process with them. They sent an email saying they were cancelling our loan application because of 'uncommitted borrower ' on XX/XX/XXXX, AFTER the  appraisal had already been sent to the VA office. After a week, several phone calls, repeated emails and attempts from our new lender, LOAN DEPOT, has refused to release the appraisal ( that we paid for and own ), to the new lender, even with a signed letter from us stating that we are requesting the appraisal be transferred to our new lender. From what I understand researching the law, they are in violation of several laws and are getting away with it. LOAN DEPOT responded today, XX/XX/XXXX to the underwriter representing of our new lender ; that we never had an appraisal done, although the VA gave us the case number associated with the finalized appraisal and that they would be refunding our money. By doing that, not only are they lying AGAIN, but  they are breaking the law and now drawing out the process with our new lender. This is by no means the only issue we 've had with Loan Depot throughout this process, it is just one of NINE 'issues ' that potentially encompass fraud charges which I will be researching the possibility of pursuing and checking for any class action lawsuits, which I 'm sure there are many. Somebody needs to do something to stop them from defrauding the public out of hard earned money from hard working Americans. It is not fair and one can only hope justice will eventually be done. DO NOT call this company to get a loan or refinance. DO NOT do business with them. I categorize this company as schisters, scam artists and rip-off con men and want to know how they get away with it! Find a reputable lender in your area ; sit face-to-face, check, double check and triple check each and every item, line and document.
I received my loan from  Title Max   XXXX   XXXX   XXXX   office. I have moved to  XXXX  for work. I now have a   XXXX   drivers license and my trailer is registered in  XXXX . I need to register my truck in   XXXX   To do that I have  XXXX  option s : Title Max se nd my   XXXX   title to the   XXXX   XXXX   and then   XXXX   send s title Max  the new    XXXX    title  ( thi s is common ). Or  Title Max  sends   XXXX    XXXX  a letter refusing to send the title . Title Max  refuses to do either. I have talked with the office  manager a nd she says she ca n't do either. On  XXXX   XXXX  I reached out  Title Max corp orate and they gave me number to dis trict manager . I have left numerous messages and not call or solution. I contacte d Title Max  corporate again on  XXXX   XXXX  letting them know I have gotten no where. I reached out to corporate again on  XXXX   XXXX .   Now my temporary   XXXX   plates are expired, I c a n't drive my truck to work, I ca n't work, ca n't get paid,  ca n't pay loan. All of this is because of  Title Max.  I am also a  XXXX  veteran and c a n't drive t o appointments.     The original address on the loan was  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX     XXXX
Transunion reporting the following incorrect information : New Employment Alert Type : New Employment Processed Date : XX/XX/XXXX Employer 's Name : XXXX XXXX XXXX   Although I work for XXXX XXXX XXXX ( notice incorrect/misspelled employer name ), since XX/XX/XXXX I have been and continue to be a XXXX XXXX of XXXX XXXX XXXX, XXXX. I work for two entities.
I have reported this Mortgage company before under my previous complaint number of XXXX Note resolution was my note holder for second mortgage. Madison management is account management company. 
Managing compay had agreed to lower my monthly payment to {$250.00} and i was paying timely, when Note resolution wanted me to pay {$1100.00} + when they found out XXXX XXXX had lowered my payment. 
Now loan has been modfied and my payments are lowered to {$250.00} Last year, Madison Management - Note resolution have reported negatively to credit buorou, even thou I was paying timely but negotiated amount of {$250.00}.
Re :   USAA  Credit Card  Number  ending  XXXX . Dispute Resolution amount {$200.00} I AM REFUSING TO PAY THE AMOUNT. WHAT KIND OF A CREDIT CARD COMPANY AND I DEALING WITH HERE. I NEVER RECEIVED THE GOODS SO WHAT AM I PAYING FOR?. I AM YOUR CUSTOMER AND I CAN NOT GET A HOLD OF THIS MERCHANT SO I KNOW USAA NEVER DID A GOOD FAITH INVESTIGATION. NO TRACKING AND NO DELIVERY OF THE ITEMS AND NOW YOU TELL ME I HAVE TO PAY {$200.00}. NOT IN THIS LIFETIME. NEXT I WILL BE WRITING TO THE  CEO  AND WILL NEVER PAY FOR GOODS I NEVER RECEIVED. AGAIN SEE BELOW  : 1 ) I  purchased the Goods from this merchant ( SNEAKERS ).      2 )  The SNEAKERS were never shipped and or received.      3 )  I contacted the  XXXX   XXXX  XXXX  XXXX ?  XXXX  and requested update as far as the delivery or tracking numbe r 4 )  Received no response from Merchant as of this writing.      4 )  Please Refund the {$200.00} for item purchase but not shipped by Merchant.
On XX/XX/XXXX I sent a letter to TransUnion notifying them of the inaccurate reporting of an item ( XXXX XXXX ). A previous report of mine from XX/XX/XXXX stated that the item would be removed by XX/XX/XXXX. 

My current report shows a new date of when the item would be removed by XX/XX/XXXX instead of the XX/XX/XXXX. My dispute to TransUnion included a print screen copy of my report dated XX/XX/XXXX that showed that the item would be removed by XX/XX/XXXX. I also notified them that they had Re-aged the item and changed the removal date to XX/XX/XXXX and that they were in violation of the FCRA by reaging the item. 

This item should no longer be reporting on my credit file. 

I 'm requesting the support of the Consumer Financial Protection Bureau as my dispute to TransUnion was simply disregarded and they did nothing. It is my understanding that after 7 years this item should no longer report on my credit. 

Attached is the dispute I sent to TransUnion on XX/XX/XXXX with the print-screen of the report showing that the item should be removed by the XX/XX/XXXX date.
My XXXX XXXX credit card with Barclay was closed by bank on XXXX/XXXX/16 without any explanation. However I had XXXX reward points accumulated from my previous purchases. I contacted Barclay to redeem my points, but they refused stating that my account was closed and I ca n't redeem any points. I have not violated any rules and I have earned my points according to all terms and conditions. It looks like bank is using these practice to annul points that customers earned.
This complaint is one that was originally submitted to the CFPB on XX/XX/XXXX ( # XXXX ) against Specialized Loan Servicing, LLC. The complaint remains unresolved as of this date. A letter from Specialized Loan Servicing, LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX dated XX/XX/XXXX ( copy attached ) stated that they were requesting that the Recorder 's office in my County ( XXXX County, GA ) to " release or satisfaction of mortgage. '' SLS stated in this letter that upon receipt that they would forward it to me. I checked with my Recorder 's Office on Wednesday, XX/XX/XXXX and I was informed that no request was made by SLS. This mortgage balance was paid to SLS on XX/XX/XXXX and details were included in my original complaint. All communications and correspondence with this company has been futile and SLS has obviously ignored the CFPB to date as well. I received an undated notice from SLS with a postmark of XX/XX/XXXX stating " Georgia law requires us to inform you of your right to demand payment of {$500.00} in damages in the event a copy of your Satisfaction/Release/Discharge Reconveyance is not provided to the county recorder within 60 days of payoff. '' I sent XXXX a letter dated XX/XX/XXXX demanding the {$500.00} in damages and informing them that my " paid-off deed '' had still not been received ( copy of my letter is attached ). Apparently my letter and the SLS letter dated XX/XX/XXXX crossed in the mail. Pease help me to resolved this issue.
I have made several principle only payments to my student loans with Navient? Instead of them applying all of the extra payments toward the principle, Navient takes interest payments from the extra principle only payments and applies the remainder of the principle only payment future months payment so that they can earn interest from principle only payments. When I make these payments using Navient 's website I choose the option which allows me to make the principle only payment and I still would be responsible for the next month 's payment.
Well I have had problems with accessing my account online and that is the only way I can get any information or do anything that has to do with my account other than getting money. Everything else is impossible because that 's the only way you can .I 've emailed the president of the company ( Netspend ) that is were my government XXXX gets direct deposit to. Now I have been contacting them about this problem for 5 years. I just recently have emailed there President twice now and he had some lady contact me and all she could say is to click on forgot password well I have tried XXXX of times over the years and I told her that and nothing even if I call they just have me do what already have been done XXXX of times before and that 's the far as it gets.
I sent in dispute letters to the credit reporting agencies ( equifax, XXXX, and XXXX  ) and a validation letter to the collection company ( XXXX XXXX ) regarding two accounts ending in XXXX and XXXX and I keep receiving responses back from the credit reporting agencies and the collector stating the accounts are verified, but they keep failing to accurately verify the accounts in their entirety. I first started disputing the accounts with the credit reporting agencies in XX/XX/2018 and they continue to report the negative marks on my reports. They send me responses of verified without any proper verification. I sent in a letter of validation to the collection company and they just sent an itemized list of alleged charges. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. After continuous rounds of letters stating the section 609 ( a ) ( 1 ) ( A ), section 611 ( a ) ( 1 ) ( a ), section 611 ( a ) ( 7 ), section 611 ( 5 ) ( A ), and sections 616 & 617 these companies have continued to fail to comply with federal laws. The laws are very clear and my rights have been violated many times over now. Im sending in this complaint to you the CFPB because they have not followed proper guidelines and have violated the fair credit reporting act, the fair debt collection practices act, and have defamed my character.
I need to file a dispute about the addresses and spousal/coapplicant information is wrong!
These people are liars.  I have NEVER been late on a payment to XXXX it was an automatic debit that came out of my account monthly.  They tried to debit my account for the payment, I stopped payment because I did not know who they were.  They then call me in XX/XX/XXXX telling me that I owed this debt and I told them I had no clue who they were and that I did not owe them anything. He stated that they had bought my account and I told them I moved and gave them my new mailing address and email.  I told them to email me and I would be more than happy to make payment once the debt had been proven.  No email and then they began to bullet call me, I have all of the phone bills to prove it.  One day out of the blue I get a bill and I mail the payment after bill was received.  They even told me that they would remove the $XXXX fee because of all this once I sent in from my bank the stop payment.  All lies and now I receive a temporary bill what is that for temporary?  These people are crooks and I will not go away and I because they are practicing fraudulent and collection billing practices.  This payment was never late with XXXX and all of a sudden these crooks take over and my account is delinquent.
My credit cards provide me with my credit score. My score has been steadily growing over several months now - there has been no new inquiries, my credit limit did n't change, and my debt amount has been decreasing by $  XXXX /month. Not only TransUnion shows incorrect Score to begin with, but it also provides different information to different cards, and it took it a step farther when it wrongfully showed my Score falling by  XXXX  points in  XXXX  and  XXXX . I placed several calls with them - got bounced around with no result whatsoever. Filed a complaint through   XXXX   XXXX   XXXX   ( one of my cards getting info from TransUnion ) - did n't hear back from them other. I can not find the way to get anybody to answer a simple question : why would my score fall by   XXXX   points with TransUnion if it grew by  XXXX  at the same time period with other  XXXX  agencies. Representatives appear to be completely incompetent and they do n't even try to help. All they do is trying to sell (!!! ) me my today 's Score info for {$9.00} - makes a lot of sense in this situation ... I do n't understand why the company that is an obvious jobs-outsourcing fraud has been granted access to the most crucial information on every American? And why our Government does not control their activities???
I am unable to contact my student loan servicer provider after the loan was acquired by a new firm. I had dialed the number that was provided by XXXX however due to a recording that stated my hold time would be 28 mins - 121 mins I had requested a call back ( per their automated system ) however the company has failed to return any calls. The company is Heartland ECSI tele XXXX.
I am having my paycheck garnished for a 10yr old {$9300.00} old debt that wasn't able to be settled between my self & the original bank. This debt is now owned by a new collector ( Cavalry SPV ) for a few hundred dollars, who is shaking me down/extorting me for {$9300.00}. Unable to pay rent & children school fees.
I received a phone call from NCC about a dept owed to   XXXX   XXXX  . They stated I owe {$490.00} and they have been sending notifications and calls. They stated they have me at   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX  MD  XXXX . I told them that is not my correct address and I moved from there in  XXXX  2016, I live at a different address. It I still live on the property. They dismissed it and stated it 's about to be reported to the credit bureaus if I do n't make a payment now. I asked them why was n't I notified in a timely manner, and I just got laid off. I do n't have anything as of right now and if they can at least give me two weeks until my appeal comes back from unemployment. They stated they could not only if I can post date a check. I told them I 'm not trying to pay them unintentionally, but I do n't have a job and I need to wait for unemployment. He could not provide me with a date it will be reported nor did he ask for my correct address.
I have credit monitoring services with several companies to be able to moniter my credit on a daily basis. I received an alert on last week regarding XXXX inquires that had been removed from my report by transunion. One week later Transunion reinserted those inquires and it caused my credit score to drop by XXXX points. I pride myself on maintaining good credit and having an XXXX credit score. I do n't know why Transunion is playing games with my credit report and score. They should not be able to remove and insert items at those items at their will. I would like for you to investigate and remove those items so that I can restore my credit score to what it was, which is XXXX before they played games with my credit report. Thank You.
I was scammed by another Bank of America client through wire transfer, however, failed to file police report due to insufficient information about scammer. I told BOA my situation to cooperate with police, however, I was told there is nothing they can do, refused to release any information, and would not start any investigation internally.
I have sent previous request to Experian, requesting they Delete XXXX Account Closed with inaccurate information from my file and yet they have failed to do so. 
Accordingly, I intend to show a judge that these accounts are inaccurate and that thus violated the Fair Credit Reporting Act by ignoring my requests to investigate with Correct Information. My previous request stated my reasons for Delation and these reasons were not frivolous in any way. 
If this final request does not prompt Experian to conduct a proper Delation of the account in question, and send proof to me of said Deletion, I will file a civil suit in XXXX XXXX KY for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation with Deletion. I reserve the right to sue your credit bureau for violations of the FCRA and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports I request this be resolved and delated with in 5 days to avoid stalling the process further by you.. 
I anticipate your response.
In XX/XX/XXXX, I was charged {$90.00} in fees but after speaking with the mortgage company twice, no one can tell me what they are for except to say that it is late fees from XX/XX/XXXX or XX/XX/XXXX. In XX/XX/XXXX, I have been charged {$340.00} in fees and can not figure out what these fees are for. My statement shows only " fees '' - no explanation as to what the fee is for.
On XXXX XXXX, XXXX, we turned-over our XXXX XXXX XXXX to a XXXX dealership, in the process of participating in XXXX court-ordered buy-back of XXXX vehicles. That program provided for a cash-payment to us ( made, through XXXX Bank, via EFT ) and a settlement payment to the vehicle 's lien holder, SunTrust bank. Because the buy-back process was protracted, and because we were forced to continue to make payments on the loan in the interim between agreement with XXXX and the actual buy-back closing, the amount actually owed to SunTrust on the vehicle at the closing was substantially less than the amount due to SunTrust on the loan. Specifically, XXXX XXXX XXXX paid a total of {$1200.00} to settle our loan, when at that time only {$220.00} was actually due, in total, on the loan. After several subsequent inquiries to the bank about that payment, we have, finally, been advised that the remaining amount due on the loan of {$220.00} is shown as paid, and the loan is closed. However, the overpaid amount of {$990.00} has not been remitted to us, but is " scheduled '' to be paid, via check, on XXXX XXXX. In response to our request that the Bank explain the extraordinary delay in remitting payment to us, we were informed that the Bank had to ensure that the " funds cleared ''. 

Very simply, our complaint is that, by XXXX XXXX SunTrust Bank will have been in possession of {$990.00} in those very obviously overpaid funds for more than 30 days ... well in excess of any reasonably determined " fund-verification period '', and that they are, in fact, illegally and unreasonably delaying refund to us.
can not qualify for loan because information on my credit report is not accurate. The delinquencies have all been cleared up but my reports do not reflect any of this information.