WillisBack/dataset-financial-user-claim huggingface dataset:
I try to upload documents for my dispute and I get the error : We were unable to upload the below document ( s ) successfully. 
Experian has released my credit report excessively and without my authorization. These are all fraudulent inquiries. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I am supplying you with all the documents they asked me for yet would n't accept.
I informed National Credit Audit Corporation on two occasions that information reported by there company was incorrect. The amount listed and reports the credit bureaus are incorrect. NCAC responded in two letters on different dates stating The account was verified and is accurate. I received a final billing statement from the original creditor which list the correct amount owed. NCAC has refused to correct this information.
On XX/XX/XXXX, I sent a letter to the credit bureaus, asking them to investigate 16 errors on my credit report. Over 30 days have passed, and I have not yet received a response. They are required, by law, to respond within 30 days.
a representative of Midland credit management at XXXX XXXX has been making harrassing phone calls to XXXX XXXX regarding my debt. The debt has been charged off by XXXX XXXX the representative advised XXXX XXXX that XXXX XXXX is reporting it and so are they. My next step will to seek legal counsel regarding the practices of Midland Credit Management
On XX/XX/2018 I opened a new Platinum Checking account with Citizens Bank. The account was opened online at the website : www.citizensbank.com/promotion/platinum/cash-offer-400.aspx. This account came with a promotion that offered me {$400.00} for the new account. I completed the application for the account and fulfilled the terms of the account and expected to receive the bonus I was offered of {$400.00}. 

After a few months the bonus had never shown up in my account. When I logged in to check the account, I then noticed that my account was listed as a " One Deposit '' checking account, not the Platinum account I opened. I am not sure if the bank changed my account type without my knowledge or consent, or somehow screwed up when they opened my account. I first contacted the bank by Secure Message on their website on XX/XX/2018 indicating the problem with my account type. Despite indication that they " make every effort to respond within 2 business days, '' I did not receive any response at all. 

On XX/XX/2018 I sent a second message regarding this issue. Four days later I received a replying stating they needed additional information about the promotion I applied for. I replied, including giving the webpage mentioned above. I received a final response on XXXX stating that : " our records indicate that you opened a One deposit checking account. Due to this the account would not qualify for the promotion that required a Platinum checking account. '' This is not true. I have evidence that I can provide that shows the offer I applied under ( Offer screenshots.pdf ). I also have screenshots from my actual application ( My application.pdf ) which notes in numerous places that I am applying for a Platinum checking account. Finally, I have numerous emails from Citizens Bank ( Email 1-4 pdfs ) stating that my Platinum checking account was opened, my Platinum debit card was mailed and the benefits of my Platinum status. I even have an email as recent as XX/XX/2018 referencing my Platinum status. 

Again, I clearly applied and was approved for a Platinum checking account. Somewhere along the way Citizens Bank screwed up. But they refuse to admit the problem. Contacting them directly has not helped so I am hoping the Consumer Financial Protection Bureau can help me. Thank you.
I negotiated a Deed in Lieu of Foreclosure with XXXX on XXXX for my property with XXXX XXXX XXXX handling the Deed in Lieu of Foreclosure ( DIL ) paperwork and completing the agreement as the law firm representing the mortgage company. Several months ago, a company called Seterus Inc. started sending me overdue mortgage collections notices for the property I had discharged in the DIL proceedings 4 years earlier. They also knocked my credit rating down over XXXX points by incorrectly reporting that I was over 180 days delinquent in paying my mortgage. They requested paperwork on the DIL agreement which has been sent 3 times now and they still continue to harass me by sending several collections requests per week via mail and continue to call me regarding this mortgage that we discharged in a DIL agreement over 4 years ago.
On XX/XX/2017, I had made a mortgage loan payment to Guild online in the amount of {$1400.00}. And I always pay online to avoid the phone payment fee. I received email confirmation when it was submitted and processed and when it is posted as usual. A few days later, I checked my bank account, and discovered there was another loan payment made by phone to guild mortgage, but the amount was XXXX ... after talking to my husband, he and I both know neither of us made this payment on XX/XX/XXXX by phone. I called Guild and they said it was a phone payment but could not or would not tell me who called to make payment or what phone number called in pmt. They were quick to tell me they would refund the XXXX and that I just needed to send email to XXXXXXXXXXXX. so, I did and sent proof where is showed unauthorized payment on my bank statement. Now today, they sent me an email stating the below : From : Customer Service XXXXXXXXXXXX Date : XX/XX/2017 XXXX ( GMT-XXXX ) To : XXXX ; XXXXXXXXXXXX Subject : Re : Loan no. XXXX - refund for duplicate payment not authorized by customer on XX/XX/2017 XXXX morning, A refund has been submitted for {$1400.00} for the duplicate payment that was made. Once the refund has been processed, the check will be sent XXXX O/N to the property address ( probably be sent out on Monday XX/XX/XXXX ). The overdraft fees will not be reimbursed as both payments were made by someone who had access to your personal Guild Mortgage account information. This is not an error by Guild Mortgage Company. Please call Customer Service at the number below if you have any additional questions or concerns. Thank you! 


Sincerely, CustomerService Guild Mortgage Company Telephone : XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX www.guildmortgage.com Company XXXX # XXXX Equal Housing On Thu, XX/XX/2017 at XXXX, XXXXXXXXXXXX wrote : Please refund the loan payment not authorized by customer made on XX/XX/2017. See attached bank statement showing duplicate pmt. Only authorized pmt was made on XX/XX/2017 in the amount of XXXX made online .... would like to know who tried making payment on XX/XX/2017. Also would like to be reimbursed for bank overdraft charges in the amount of {$100.00} since this was error on Guild mortgage part. 

Thank you, XXXX XXXX XXXX I do n't feel this matter is being handled in the proper manner and I would still like to know who called in payment and what number they called from. This is very serious and has handicapped my family in more ways than one. I need answers. This seems like fraud to me as well as my bank, XXXX. 

Thank you for your help. 

Sincerely, XXXX and XXXX XXXX
Dear CFPB, On XXXX XXXX, 2015 I was informed by Nationstar mortgage that I had been denied a loan modification due to " excessive forbearance ''. When I reviewed my loan modification documents with my dedicated loan specialist, the rental income I reported on my Request for Modification ( RMA ) was missing from the calculations for the gross monthly income without any explanation whatsoever as to why all - or some of it - was not included in the NPV calculations. If they - Nationstar - can not do simple math to compute my gross monthly earnings, is it any wonder that I am being seen as having " excessive forbearance '' ..? 
This gross incompetence follows several months of very poor service from Nationstar regarding my application for a loan modification. Service deficiencies have included - among other problems - lost documents, repeated requests for documents or information which was already in the file, and failure to return phone calls in a timely fashion. 
As of the date of this letter, I have not received any correspondence from Nationstar to back up this assertion of " excessive forbearance '', including the NPV. I am appealing this bad decision - please see attached correspondence - and would appreciate any help you can give me to get me the help I may be entitled to.
I payed XXXX  $ to a capital one credit card accidentally from my XXXX XXXX XXXX bill pay. It was a card that is paid in full and no longer active. I never deleated it and clicked it accidentally. I have records from my XXXX XXXX XXXX  showing the transfer of funds.

I have been calling Capital One for 1 month now They refuse to return funds.

XXXX XXXX XXXX
In XXXX of XXXX, Ditech made an error and suddenly added escrow to my mortgage. I have had this mortgage for close to 12 years and have never escrowed my taxes or insurance and have always paid them independent of my mortgage. Ditech continued to charge me late fees and penalties for said escrow error they imposed on my account-additionally, they reported me to the credit bureau as having late mortgage payments which caused my credit score to drop and began sending me letters regarding financial hardship. 

I made a call to Ditech after finally realizing the error they made and that they were not taking initiative to remedy it on XXXX XXXX, XXXX and spoke to " XXXX ''. She stated she saw where they made the error and would send a code to have it taken care of. 

I followed up with a detailed letter on XXXX XXXX, XXXX, which I faxed to Ditech 's customer service department. I had also been filling out customer service requests and reporting the error through their website. I did not receive a response to any of my complaints or requests to be contacted. 

I have had to call Ditech multiple times to simply get them to remove the escrow and late fees as well as negative credit reporting. 

On one occasion, I called and spoke to a manager, XXXX, who assured me they had taken care of the problem and great news that I had overpaid and would be soon getting back a refund. Upon receiving the refund, I was then told that there was now a back due escrow balance for the same amount they refunded me! 

As of today, XXXX XXXX, XXXX, they have still not resolved the problem after telling me it was resolved. They are now holding my mortgage payments in " Funds in Suspense '' and not applying them to my mortgage and reporting that I have not paid for the months of XXXX and XXXX I feel that I should not have to fight for months to get an error caused by the mortgage company resolved. They continue making error after error and are causing me a lot of stress and time in having to constantly check behind everything they do. I wonder if anyone else has had the same issue and what benefit would it have for the mortgage company to do this?
Reference Policy Number XXXX General Insurance Company of America Automobile Policy Declarations regarding XXXX and its Agent : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, California XXXX investigated with their employees and Executive Management .The policy covered XXXX XXXX XXXX XXXX XXXX XXXX # ID XXXX finance by XXXX XXXX XXXX XXXX . The effective dates wereXX/XX/XXXX,XX/XX/XXXX until XX/XX/XXXX. The XXXX XXXX XXXX was stolen in the Subdivision of XXXX XXXX XXXX XXXX. Also, I would recovery and monetary loss ; along with criminal charges.
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Previous employees resided in XXXX XXXX XXXX XXXX identified as XXXX XXXX, Security Specialist with Federal Emergency Management Agency.
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I have been threaten since XXXX with violence, disclosure of private information and destruction of personal property.
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Illegal violation of The federal Fair Credit Reporting Act ( FCRA ) promotes the inaccuracy of termination of insurance, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ).
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Malfeasance in office by XXXX XXXX Board of Directors, Executive Manager and Sales Representative which caused economic damages, poor credit and destruction and theft of automobile. This occurred after resigning from Federal Emergency Management Agency on XX/XX/XXXX. This information may be verified by : XXXX XXXX Sheriff Department XXXX XXXX XXXX XXXX, Louisiana XXXX Phone : XXXX  XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Senator XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LAXXXX Telephone : XXXX Fax : XXXX XXXX XXXX XXXX Attorney at Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX
XX/XX/XXXX there was fraudulent activity on our account. Both my daughter and myself are on this account together. The account was scammed in the amount of XXXX. There were two separate checks put into the account by a scammer on the XXXX in the amount of XXXX and XXXX. My daughter called the bank on the XX/XX/XXXX to alert the bank of the fraudulent activity on the account. She was told to contact the fraud department for further investigation. Once she contacted, she was further instructed by the fraud department that she was responsible to repay all monies at this point. This was before the investigation even started. From here on out we have not been called back to be updated on the status of this claim. The amount in question totals XXXX. This was the final cleared amount from the fraudulent checks. We are now being told that we would have to repay this amount. There was no help from the bank in this matter. We were advised later on after case was opened, to file a police report. We have complied with the bank and filed the report. Since the report was filed no one from the bank even asked for a copy of the report. Or even further investigated into the matter. This matter has been going for a month now. As of today I visit my local bank in town to speak to the branch manager again, only to find out he was not in. I spoke to an assistant of his to was tying to assist. She was able to get a hold of a manager in the fraud division. I spoke to the gentlemen in the fraud division who then proceeds to tell me they have closed the case. We are now being threatened to be taken to collections for XXXX. This case has not been resolved or fully investigated. I am seeking help. Where is the consumer protection?
The creditor is XXXX from XXXX, DE. I did default on this loan and it was charged-off. I did recently paid this debt in full at the full pay off amount of {$1300.00}. Prior to me paying this debt off, I found out this debt was being reported as the following : On my XXXX credit report, it shows as being charged-off, but the account name shows XXXX/XXXX. I never had a loan with XXXX XXXX. I 'm not sure why this is even listed. There 's no information showing on my XXXX credit report. On my Transunion credit report it shows the account as being open, with a 90 day past due status. If a creditor saw this they would think the account is still open. There is a lot of inaccurate information on my credit reports. Also, prior to me paying off this debt with XXXX I sent a certified letter to XXXX XXXX as that was listed on my credit reports ( I found out they handle lots of accounts including XXXX, again I signed a contract with XXXX, not XXXX XXXX ) wishing to settle this debt in return for possibly deletion of the negative information from my credit reports. I never got a written response from this company, so I called them, they stated they do not settle accounts and I ask if I would get something in writing and they said " No '' .So I contacted XXXX directly and just paid the debt. This is why I 'm contacting the Bureau of Consumer Financial Protection so I can be assured that I will get a response and update to my credit reporting issue.
My student loans were with Nelnet. I lost my job and requested a deferment. I got another job paying much less than what I was making, however, I know I still need to pay my responsibilities. I have been trying to get on the IBR income based consolidation repayment program. Nelnet just kept giving me the runaround. Then they made me think that I was speaking with them but was transferring me to a collection agency. I kept calling them. Now they tell me that they sold my loan to XXXX a collection agency. XXXX is not bonded to collect in my state. I have been a victim of identity theft in the past and it was hard overcoming that. Now my identity has been compromised and I am being denied my rights to be on the IBR PROGRAM due to their mishaps. Nelnet have a moral obligation to be honest and if they are selling my information, they need to know that it is with a legal entity. PLEASE HELP ME
The company stopped the program in summer of 2016. I had a balance of {$2000.00} loaded on my account. The company was supposed to send a check with the full balance to my address on file. I have not received the refund for the owned balance. After making multiple phone calls, representatives forward my inquiry to the bank and ask me to wait 4-6 weeks for check to arrive. I have waited for over a year to receive money owned to me. My next step would be small claims court and I will demand interest and legal fees compensation.
Contacted company by phone and by letter advised the account in question does not belong to me. Stated to the rep that XXXX has moved this account on to 2 other collection agencies have sent proof account is not mines. Rep advised account would be sent to the credit bureaus have tried to obtain a home loan being stopped by this collection affects my credit score.
other collection agencies have removed after finding info provided by XXXX were bogus.
Someone established an online account with Trans-union and took over my online account. Transunion provided a credit report to a company ( XXXX ) I did not authorize.
Since the beginning of XXXX 2015, Global Credit & Collection Corp has been leaving voice mail messages on my answer machine that they are a debt collector and I need to call them at XXXX. They have called at least XXXX times. I do not have any debt so this is either a scam or a call to a wrong number.
Discover card was clearly provided the tracking number in dispute case number : XXXX, in regards to a used black belt that the merchant sent me for purchase price dispute of {$19.00}. XXXX tracking number XXXX was clearly returned to the merchant on XX/XX/18, at XXXX XXXX, signed by XXXX, delivered in XXXX, IA, the home office location of the retailer. As of today, retailer neglected to process the credit. Additionally, Discover card could have taken 30 seconds to type in the above tracking information to show that the item was returned to the retailer. Rather, Discover card relied on the original proof of delivery provided by the retailer which is irrelevant.
My wife and I are senior citizens and we were told incorrect information by Wells Fargo Bank branch XXXX XXXX XXXX Florida. My wife and I went into the bank to have them adjust a monthly service charge to my business account.. At that time, we asked the service representative XXXX if Wells Fargo had an interest only home equity loan. She said they did and sent me to XXXX XXXX who is the financial advisor for that branch. We talked with XXXX at length about the interest only home equity. We stated that our present home equity with XXXX XXXX XXXX was expiring in a year and XXXX XXXX XXXX did not offer an interest only loan. He said we could start the process with Wells Fargo since Wells Fargo had an interest only home equity loan.. At no point were we told that Wells Fargo did not offer an interest only loan. A form that I was asked to sign stated that the line of credit at XXXX XXXX XXXX would be closed. I was told last week that I should have signed a form that stated that the loan at the other bank would only be closed after the new loan was in place. Unfortunately the financial advisor gave me this form to sign because he stated it would only be used after the new loan was in place. It looks like that after he closed my old home equity, I would be forced to use the home equity that was offered by Wells Fargo. I have contacted the financial department of Wells Fargo. I got a nice form letter from XXXX XXXX which stated I would get a result of the inquiry by XXXX XXXX .On XXXX XXXX I received another form letter from XXXX XXXX which stated that I would get the result by XXXX XXXX. On XXXX XXXX, I called XXXX and she never called me back. I supposedly got her boss, XXXX XXXX, who stated I would hear from XXXX by Friday this week and I should get a final decision in several weeks. Meanwhile I have had to borrow money from my savings account to cover a bill that was due last month. I paid back the money to my savings account this month. Basically I was misinformed by Wells Fargo and it looks very suspicious since I was told at another branch that Wells Fargo had not had an interest only loan since XX/XX/XXXX and this financial advisor had me sign that form to close my home equity at XXXX XXXX XXXX before my new loan was in place. 
It looks like the customer service department is used to send form letters to customers and never really solves the problems that the bank creates. 
Not once did any person in Wells Fargo address the problem. All they stated was that they would tell their personnel that they did not offer that product and that is scarry that a branch does not know the products that the bank offers. I do not know what to do and it seems like Wells Fargo washed their hands of the problem. I really hope the banking department can look into this practice by Wells Fargo and see if Senior Citizens are easy prey for the bank. 
I also would like to know what other organizations that I can inform about Wells Fargo approach to dealing with senior citizens