WillisBack/dataset-financial-user-claim huggingface dataset:
I have 3 student loan accounts with XXXX XXXX XXXX, 2 student loans that were apparently transferred to XXXX XXXX XXXX XXXX an 1 transferred to XXXX XXXX. That are all paid and closed. But they are showing late payments on the accounts after they were paid and closed on XXXX 2015. Also the time that the loans were showing late they were in Forbearance with the companies. Ive made several attempts to correct this issue when the accounts were open and even when they closed. The late payments and collections status are really affecting my credit reports on all my reports. I am left with no choice but to contact you for assistance with this matter.
I have a 15 Year mortgage loan with XXXX. They turned over the loan to Loancare - A servicelink company. My LTV is below 78 % of original value, and I have requested that my PMI be removed twice, but they do not respond. I call them and have waited hours on the phone but no one answers the calls. I have now paid XXXX additional PMI 's to keep my loan in good faith.
Since XX/XX/2018 every week I have deposited my payroll checks in my checking account at USAA Bank and the Bank has not given me full value for my deposits. Each payroll check that I have deposited, USAA Bank has put on hold about one third of my payroll check for 7 calendar days without a valid reason. I believe that USAA Bank has put my checking account on a so-called blacklist ever since I made a complaint to the CFPB a few months ago. USAA Bank has no valid reason to put a hold on my deposits that comes from a US company.
In XX/XX/XXXX, I attempted to correct the last status of a student loan that was consolidated and paid off as of XX/XX/XXXX.  XXXX conducted their " investigation '' and updated my credit report incorrectly ... stating that I missed a payment as of XX/XX/XXXX. This account has been closed and paid in full as of XX/XX/XXXX, therefor I can not possibly have missed a payment in XX/XX/XXXX. Upon submitting a letter provided by the creditor ( New York State Higher Education Services Corporation ), XXXX  notified me that they could not use the letter in question to correct my credit report and that they would contact the creditor to verify again. Now, they are reporting the account to be in collections as of XX/XX/XXXX ... again, this account has been closed and paid in full as of XX/XX/XXXX ( over two years ago ) and a letter from the creditor was provided to XXXX that confirms this. XXXX is willfully not accepting the letter that the creditor provided, and their " investigations '' are not resolving the issue and have cost me 51 points on my FICO credit score. As a result of their willful misreporting of information on this account, I am forced to file this complaint.
On XXXX/XXXX/2017 I had {$1.00} cents in my account and on the XXXX, XXXX submitted a payment request to the bank. With out my consent the bank went along and received it, and since then until now they have been accepting this request from XXXX after i called XXXX and payed with my XXXX XXXX card and they took out the money, now the bank being they acceptedthe XXXX  request, XXXX XXXX has returned my monies so the bank continues to received the request for {$53.00} and continues to take out monies {$35.00} since that day until now and has left my account on a negative balance for {$100.00}. 
I called XXXX and they said they have not send the request in, because it shows paid on the account, i have spoken since the beginning with the bank and to no avail, i am not responsibllle for the banks server errors, and my proof shows that my account with XXXX has been paid by bank. Now why do they continue to charge me {$35.00} each and everytime until XXXX/XXXX/2017 and has left my account in the hole. I have taken my direct deposit out and place it some where else, and i try to close my account and they said i am negative, no I am not negative, i still have {$1.00} in my account if they did n't make this mistake ... I need help if you can ... it is Bank of America
I receive SSI. On XXXX XXXX, I received it as usual. I paid bills that XXXX. I went to XXXX to purchase a few items in the evening and found that {$900.00} had been withdrawn from my Direct Express account in an " IVR transfer ''. No name of who took the money. I was shocked and panicky. I contacted Direct Express and they are investigating via their fraud department and issued me a new card. Also I have contacted an attorney. Mysteriously, the funds reappeared in my account the following week, XXXX XXXX to be exact under the heading " credit adjustment ''. The woman I spoke to in the fraud department stated that my funds would not be returned until after the investigation so where did the money come from? Any way you can assist me with this will be helpful as this money is crucial to my survival and I ca n't afford this to happen again. Thank you.
Continuous calls several times a day for months, leaving no message. I had to call back to find out who they were.
I had an unauthorized transaction went into my account. The bank was XXXX XXXX XXXX   used a card that was closed out to push their transaction threw.it was for XXXX and left my account in the negative. All the bank could tell me is that because I owed the bill they let it go threw. They also let some other transaction for threw. So I think this is illegal transaction especially when the card they used was closed and I have an voicemail telling me they backdoor it to push it threw. XXXX has been trying to get it since XXXX and the bank denied all this time. Except this time why they let it go threw this time.
I initiated an investigation on a disputed on several accounts of which several were 7 years old. The company chose to update it though the account was opened 7 years or older and inthe dusputes the consumer is not given priority in these cases. The companies are. In the event of XXXX, they had a security breach and I can not access my report. A dispute was started on XX/XX/XXXX with Experian. XXXX would not allow me access to my report. I have been denied credit because of this.
I included a debt of XXXX mort for XXXX on my chpt XXXX bankruptcy against pnc mortgage a few mos ago I ran out of money defaulted on chpt XXXX now am getting a collection agency call me hound me for XXXX and mail me letters I am going tgo rsume my chpt XXXX in a month I want them t stop harassing me
I have been disputing this issue with the creditors and the credit reporting agencies Equifax for the past XXXX years about this account! XXXX has removed this fraudulent account from my credit report on the second attempt, but equifax has not resolved my issue at all! I have sent in the supporting documents and the police reports as well!! I have tried on numerous occasions to resolve this issue about. They are saying that I have an open account for the balance of {$7300.00}. This was open without my consent and my personal information and identification was fraudulently used!!
This complaint concerns the ability of consumers to reach, communicate and deal with, the department in the Bank that handles IRA accounts. My daughter had an IRA account at OneWest Bank in XXXX XXXX, California. She passed away, and I am her heir, and the court-appointed " personal representative '' of her estate with Letters of Appointment from the Court. My regular banker who handles deposit accounts at OneWest tried to get the IRA section 's attention to deal with my daughter 's XXXX. They essentially blew him off, never sent me any email or called me. I tried to call the XXXX section of the bank and was told I could not speak with anyone if I did not have my daughter 's XXXX account number. Apparently, the XXXX section is completely insulated from customers and will not talk to customers or court-appointed administrators. If that section of the bank is unresponsive to the retail section of the bank and will not speak with me, how do I make a claim or get the money from my daughter 's XXXX account? Beyond that, there seems to be a marketing violation of the California unfair competition laws in that the separation of the XXXX section from the rest of the bank and that section 's refusal to deal with the public is not clearly or adequately disclosed. They want to market and sell XXXX but not service them. That is XXXX service and not disclosed.
Scottrade has the worst customer service. If anything goes wrong in your account, expect your account to be closed as Scottrade will not give you XXXX seconds of their time to resolve the issue, especially if they are at fault. 

In my case, my Scottrade account was hacked and when I reported the fraud to Scottrade they said that I was no longer a customer. During that time that I was suffering and needed help from Scottrade I was throw out and refused service. 

After reading other comments on the CFPB 's complaint portal, this appears to be common practice for Scottrade, so I guess it might be my fault. I should have researched Scottrade more. 

A warning for the wise. Do not do business with Scottrade if you expect even a hint of customer support.
There are multiple credit inquires without my knowledge XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX
Ive had a chase auto loan since XX/XX/XXXX. Ive never had ONE missed payment. However, Im XXXX XXXX in the military and missed two monthly payments as my family switched bank accounts while I was XXXX. I just added my new bank account however, Im worried about what this is going to do to my credit. Last time this happened was 2 years ago and the Chase Auto loan specialist fixed everything on the phone and made sure I wasnt getting charged extra and that my credit wasnt going to get affected by this. He did this by backdating I believe. But now the same problem is occurring once again and Ive spent 3 hours on the phone with Chase, fighting and trying to fix this. Chase transferred me to the military line and theyre investigating my profile and XXXX XXXX dates because my profile meets the FDRA requirements and will cap my interest rate at 4 %. This is good, but it can take 30 days or longer, which isnt good especially for my credit. The chase auto loan specialists were pretty rude on the phone. I spoke to one who didnt know what he was talking about and then notified him that the previous chase specialist in XXXX fixed everything and backdated it for me and I hadnt had an issue in 2 years. I asked him to do the same thing for me and he refused. This is against FDRA policy to do this. Anyway, I not only linked my new bank account for autopay on this account but I called again and spoke to XXXX, a supervisor at XXXX EST and we got the account current for the months I was XXXX. Now that that is all done, he said to do this to get the additional fees removed for return check fee and late charges. Returned check fee is because I switched banks and the late charges are from my XXXX. Im XXXX again in a couple of days so please fix this and get the fees taken care of chase and please make sure that these two payments are not going to negatively affect my credit. I will pursue this in small claims court if I have to. Thank you.
Breach of Contract 1. I was approved for a HAMP Tier 1 Home Loan Modification back in XXXX XXXX, I followed all instructions as given to me. I signed and returned via fax the modification agreement that was supposed to be finalized. Ocwen did not fulfill their obligation under this agreement and I was rejected from the program due to no fault of my own. 
2. Ocwen alleges that they sent notification to me via certified mail but I did not receive the correspondence. The letter was notification that they needed proof that my home address was in fact my primary residence. 
3. I received a copy of this letter from Ocwen only in response to my initial " letter of complaint '' to the Georgia Office of the Attorney General 's office back in XXXX XXXX. The letter did have a United States Postal Service tracking number as reference of their attempt to deliver said notice. 
4. I tried to use the tracking number to see what results I would get and due to the lapse in time my results were limited. I contacted my local Post Office that would have made the attempt to deliver this notice and discovered some shocking results. 
5. Ocwen sent the letter from themselves to themselves therefore never being delivered to me. I have enclosed a copy of the letter as well as the tracking results I received from my local post office. This action by Ocwen is what has caused me to be rejected from the HAMP Tier 1 Home Loan Modification Program not any actions by me. Now Ocwen is once again attempting to foreclose on my property and the sale date is scheduled for XXXX XXXX, XXXX.
Hi my name is XXXX XXXX XXXX I am with.Sps serviceing loan I have been dealing with them for months sending in paper work trying to get into the modifiction and home save program. TO Save my home they have strong me along.. now they telling me and my daughter that they ca n't put us in the modification programs or the harp my husband is decease he was a veteran of the XXXX can any XXXX help me to save my home we do n't have a lots of money we are just the average working person we got into that supreme loan scam I have been fighting since 2006 to keep my home all my retirement money is in this home please help me. Thank you why send in. All the information and then they not help me why? My husband is a decease veteran I am his spouse.. 
Please help me and my daughter. Keep our home. Please I was at the XXXX counseling office one day a woman who has the same as me they modified hers mortgage to {$800.00} dollars a month what joy I was hoping to get the same help not so why they held me on and had me thinking they was going to help me? I 've sent in all the information that was required for the the modifiction or the harp program why? Now they say that they wo n't give me the modifiction or put me in a program that will help me save my home please help thanks.
Springleaf Lending decided discriminately to raise our monthly payment to an amount that we ca n't afford. When contacted the only justification given by their customer service manager was that we would not be able to pay off the balance in full in a reasonable time. I say they did this discriminately because their customer service manager acknowledged that Springleaf offers a reduction in interest rate assistance to other customers, and that even though this raise in payment had nothing to do with our credit rating ( which has improved over the last two years ) and it fell outside the original terms of the loan, they were doing it anyway because it was in our best interest. How can it be done in our best interest if we are struggling to make the lower payment as it is? We incurred this debt and are trying our best to pay it off but we are encountering predatory lending by Springleaf who knows that we ca n't meet the new payment while racking up finance charges and penalties, as well as discriminating against us by not offering us the same terms in a reduced interest rate they are admittedly giving to other customers.
I wish to avoid foreclosure. I was not given proper notice so I could have opted for State of Nevada Mediation. My notice of default was recorded on XX/XX/XXXX. A foreclosure certificate was requested in XX/XX/XXXX and issued/recorded on XX/XX/XXXX over 23 months later. Several RESPA laws have changed since my Notice of Default was recorded on XX/XX/XXXX. I do not feel their XX/XX/XXXX ( 23 month old ) Notice of Default is still valid. I also do not think I was properly issued my required mediation paperwork before simply recording a Notice of Sale 24 months after the Notice of Default. I believe Nationstar should have to record a new Notice of Default and then have offered me again mediation before it expired or waited another 90 days before recording a notice of sale. I want to avoid foreclosure. Nationstar is now evading that request. I am in the process of trying to avoid foreclosure and do a short sale. My attorney submitted an offer last week and Nationstar could postpone my sale date and allow me to short sale my home and avoid foreclosure. However, they refuse and say they can not accept my request. I do not understand why they can not postpone my sale date and allow me to sell the home. It cost them more to foreclose and takes longer. I have a market value offer on the table now.
I got this attached letter over the weekend from company by name : Specialized Loan Servicing company, which I do know or heard anything about them until now. Their name has never been mentioned to me in any of the mortgage information received either from XXXX or XXXX XXXX company that claimed that they are part of XXXX XXXX. In the letter from SLS-Colorado, they claimed that their creditor want me to pay them {$190000.00} .... ( See attached doc. )
I have waited several days to see if I get resolve for this unauthorized transaction to my account of {$210.00}. I hate filling out complaints, and claims because it 's embarrassing and as a customer of such a big bank like Bank Of America it should be easy for them to refund me my money, and because I am a loyal customer and so is half my family. I call numbers back and leave messages and I get now call back of follow ups! No, money had been returned and my bills keep coming and I am negative {$2.00} cause of this. If I had thousands I would n't complsin, but I still work hard at XXXX yrs old to make ends meet and I ca n't afford these types of things to happen to me, because they cripple me financially. I just want my bank to support me in times like this, because we are their customers and keep them going!! Why have a bank if they give you the run around, or just do n't help when you as the customer really need it. Sad this bank and their ways.
COMPLAINT American Express provided me with false information in selling me a new credit card product. In XXXX 2016, I called American Express to close my XXXX Card account, because I did not feel I was getting enough value to justify paying the annual fee. The representative encouraged me to replace it with an XXXX Card that has no annual fee. I explicitly asked if the XXXX Card would be on a new credit line - which I did not want to open - and the agent said it would be the same credit line. A few months later, I discovered that the agent had given me false information and the XXXX card was opened on a new credit line. 

ATTEMPTS AT RESOLUTION XXXX/XXXX/16 : I called American Express and an agent explained to me that it would not have been possible to transfer the credit line from the XXXX Card to the XXXX Card, because the XXXX Card is a charge card and the XXXX Card is a credit card. I responded that I understood his explanation, but that the agent who sold me the XXXX card back in XXXX had given me incorrect information on the matter. The agent on the phone told me he would open a case and that American Express would review customer service tapes of my XXXX conversation to see if my description of the conversation accurate. I asked for a case number and he said there was none, but if I called back, anyone would be able to see the note on my file. 

XXXX/XXXX/16 : I called to followup on my case and spoke to a woman named XXXX, who said there was no record of my case. She initially offered to resolve the case by offering me a credit limit increase, which made it seem like she did not understand the difference between a credit line and a credit limit. Finally, she opened an internal dispute file for me. 

XXXX/XXXX/16 : I called to followup on my case and spoke to a woman named XXXX, who said the inquiry was still in progress and had a target completion date of XXXX/XXXX/16. I asked to speak to a supervisor and XXXX connect me to XXXX, who asked if an acceptable solution would be cancelling the account and wiping any evidence of it off of my credit report, as if it never happened. I said that yes, if they could do that it would be the ideal solution. He said he would put a note on my account requesting that, and also requesting expedited service, but was n't sure if it was possible. 

XXXX/XXXX/16 : I called to followup and spoke to a man who said the inquiry was still in progress, but that XXXX ( i.e. today ) was the deadline and they would get back to me shortly. He suggested I call on Friday ( XXXX ) if I did n't hear anything. 

XXXX/XXXX/16 : I called to followup again and spoke to a woman, who offered me a credit limit increase. Again, I had to explain that this was about Amex opening an additional credit line that I did not want, not about credit limits. I asked to speak to a supervisor and was connected to XXXX. He put me on hold while he reviewed the case. I waited a long time and eventually the call was disconnected. I called back and spoke to XXXX, who said Amex was still working on the inquiry, but could n't tell me when they would resolve the case by.
on XXXX XXXX, 2017 of this year a Massachusetts Judge dismissed a lawsuit that Portfolio Recovery had brought against me and the could not prove that they were the rightful owner of the alleged debt. See Court Case # : XXXX public record on XXXX They have been Reporting to XXXX  credit bureau that the debt is valid and have done harm to my credit report and it has adversely affected my credit score. I need this removed from all credit reports immediately. If this is not swiftly addressed I am filing suit against them for their continued blatant disregard of the law. 

Please see attached document.
Was notified on my credit report of a negative impact. When investigated I discovered a charge that I am completely unaware of from this company.
I had previously filed a CFPB Complaint No. XXXX, to which I have received NO RESPONSE from Citibank. 

In the interim, I received my XX/XX/XXXX Statement from Citibank that shows that on XX/XX/XXXX Citibank reversed the " provisional credit '' of {$930.00} that they had given me when I made the original dispute.

Even though the provisional credit was reversed on XX/XX/XXXX, Citibank waited an additional 17 days before sending me the Billing Resolution Dispute letter dated XX/XX/XXXX. I received and responded to their Billing Resolution Dispute letter on the same day, i.e., on XX/XX/XXXX, at which time I provided Citibank with DOCUMENTARY EVIDENCE, including the USPS Tracking record and Signature Receipt showing that the item was returned to, and accepted by, the " merchant ''.

Notwithstanding the fact that my email of XX/XX/XXXX to Citibank provided written proof that they improperly reversed the provisional credit, Citibank failed to reapply the credit prior to the closing date of my XX/XX/XXXX statement. Nevertheless, Citibank had no problem adding THIRTY-TWO charges to that Statement, ALL DATED AS OF XX/XX/XXXX, or thereafter.

Further, Citibank added a " Finance Charge '' of {$190.00} to my XX/XX/XXXX Statement, NOTWITHSTANDING THAT I PAY MY ACCOUNT, IN FULL, EACH MONTH, and notwithstanding that they failed to reapply the credit that I am owed. 

In view of the above, my XX/XX/XXXX Statement is OVERSTATED by {$1100.00}!!
I have been notified from Equifax that my information was compromised and I am requesting that XXXX credit inquiries be deleted from my credit report.
XXXX handed all my data over to an unknown third- party ( hackers ) ... .the want me to enroll in some monitoring service but what safeguards to that being compromised? What I want is access to my CREDIT SCORE 24/7 ... if hackers get it for free I want it for free to ... that info belongs to me and they will still make money selling that info to others -- -but it is me -- -my info ... .I was never asked if I wanted them to collect share or sell it ....