WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX 2016 AMERICAN EXPRESS SENT ME A BILL FOR XXXX! I IMMEDIATELY CALLED AND WENT ON LINE TO POINT OUT THEIR MISTAKE ... THEY HAD A YEARS WORTH OF TRANSACTIONS IN ONE SINGLE MONTH ... XXXX 2016 TO XXXX 2016 ... THEY LUMP SUM XXXX/2016 TO XXXX/XXXX/2016 THEIR CRAZY BILLING MISTAKE! I ESCALATED TO SUPERVISORS, DEMANDED MY MONEY BACK ... THEY OVERDREW MY BANK ACCOUNT ... .AMERICAN EXPRESS GETS PAID EVERY MONTH..XXXX 2016, XXXX,2016, XXXX 2016 AND SO ON EVERY MONTH WAS PAID IN FULL ...
AMERICAN EXPRESS OWES ME XXXX XXXX ...
NAVIENT is NOT stating a balance on my payments received by them, I have no way of knowing if they are applying these payments to my account, they actually show an increase to my principal.They only send me a new payment schedule with bigger balance .I have tried to get answers on the phone to no avail.Please Help.
The Rushmore Loan Management Services LLC holds the loan on my mother 's house. The property is being sold " as is '' because she can no longer financially carry the house or manage it. There are two departments at Rushmore the Loss Draft and Loss Mitigation departments. We are currently dealing with both. 
The problem is that the two departments are not in agreeance on how we should resolve our situation. The contractor should be paid by Loss Draft for his work which Loss Mitigation wanted done before they could proceed with the sale of the house. Rushmore Loss Draft is refusing to release the funds. And Loss Mitigation will not accept or process any offers if all issues are not resolved prior to it coming to their table. 
The longer Rushmore turns down offers, the worse the situation becomes for this inner-city house. The house is vacant now and has been broken into several times. We have called repeatedly but we have been refused a three-way conference between the seller and the two departments. 
They have repeatedly given us excuses as to why they can not provide funding. Rushmore agents never give us the same information twice. They will not put things into writing and have even called to say they gave us the wrong information and will not honor the cash amount they said they would offer the contractor because they did not read their own notes clearly. This is very unprofessional and unacceptable and should be addressed immediately. 
There is a huge disconnect between the two departments which ultimately leaves me, the seller, at a loss and at a stand still.
I checked my credit reports and noticed many different variations of my name and address. I have tried to reach out to Experian, XXXX  and XXXX by phone to dispute these variations but have not been successful. 
The correct first and last name : XXXX XXXX. 
The correct Street AddreXXXX is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
The correct phone number that should be listed is ( XXXX ) XXXX. 
The correct social security number should be XXXX. 
The correct Date of Birth should be XXXX.
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! 
My current and only address is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, North Carolina XXXX. My name is being confused with another XXXX XXXX XXXX. My DOB is XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, XXXX the also have records of file the are wrong. The following addresses are not my please delete they are not mine they are inaccurate. Please remove delete that following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC, XXXX XXXX XXXX, XXXX NC, XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX I have some account the I need absolute proof that they are my because of the previous confusion with another XXXX XXXX XXXX. 
The reason for my dispute is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623 , subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, the major of the account that appear have failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809. I am in need of a re-investigation to account for the confusion and possible fraud as well as unverified accounts. please send a copy of the Creditor Disclosure form I have attached along with any copies of a contract agreement with my signature.
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT.
I opened this account in XXXX through Wells Fargo. It was for XXXX XXXX XXXX XXXX XXXX only. I made my purchases with this card at XXXX for home improvement. At the beginning of XX/XX/XXXX I paid off my credit card with check # XXXX which cleared the bank on XX/XX/XXXX. Shortly thereafter I received a new credit card from Wells Fargo stating the account would now be a XXXX credit card instead of just a card for home improvement through XXXX. On XX/XX/XXXX, I sent a letter to Wells Fargo advising my account was now paid in full and I wanted this account closed at consumers request immediately. On XX/XX/XXXX, I received a " Notice of Right to Cure Default '' from Wells Fargo.I contacted them immediately to find out what was going on. Wells Fargo never closed this account after I requested that by mail in XX/XX/XXXX Someone was able to gain access to this account and used the XXXX credit card number to make unauthorized purchases from XX/XX/XXXX through XX/XX/XXXX.They maxed out the credit card and changed the account to paperless billing so I would n't see it. Formal dispute letters were sent to Wells Fargo and the three credit reporting agencies. Finally on XX/XX/XXXX Wells Fargo completed their investigation and confirmed the charges were fraudulent and unauthorized. Their letter of XX/XX/XXXX states " ... we have closed your account, and instructed the consumer reporting agencies to remove this account from your credit file. '' They never removed the negative reporting and when I went to apply for a credit card I was declined due to late payments reported by Wells Fargo. I have been trying to get them to remove the late payments on my credit reports since XX/XX/XXXX! I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX! They tell me it will be corrected and yet it still remains on all three of my credit reports. I need someone to please help me in getting this negative reporting removed from my credit reports.
I am filing this complaint on behalf of my sister who at the time was on XXXX due to XXXX and XXXX. Her Social Security check ( which is her only income ) is automatically deposited into her checking account at the Wells Fargo bank in XXXX, SC. In XXXX 2015 someone at that branch came to her and offered her a credit card with no interest for 24 months if she would open a savings account and and have the bank automatically draft {$25.00} from her checking account each month. The outrageous part of this deal is that they opened the Visa card with a credit limit of {$4000.00}!!!! Now mind you, they came to her, she did not ask for a credit card. At that time her monthly Social Security check was approximately {$1100.00}. She barely has enough money to pay her rent of $ XXXX, car insurance, utilities, groceries, medicine, healthcare, gas, and misc expenses. In her XXXX this was a good thing which of course was NOT! You can image the rest of the story ... .. I make sure all of her bills are paid every month and she HAD fairly good credit, but I did not know about the credit card. Well, she has managed to charge well over the {$4000.00} credit limit and the {$50.00} /month she has been paying on it will never get it paid off. I agree that she used very poor judgement in charging this huge amount but I hold Wells Fargo for even worse judgement in issuing a credit card to someone with such limited resources! That credit card was like giving drugs to and addict or alcohol to an alcoholic. Now the bank is coming after her and asking for minimum payments of {$1000.00} or more which of course is a joke. 
Please look into this matter in light of all the underhanded things that Wells Fargo has done to their customers. Taking advantage of someone like my sister is reprehensible and Wells Fargo should assume some responsibility for this egregious act. 
The most important thing is that I do n't want her checking account to be compromised in any way because now her credit is ruined because of her debt to earning ratio and I do n't think she would not be able to open another checking account anywhere. I try to help her to live independently and it has worked so far until this dang credit card was issued to her. IT SHOULD HAVE NEVER BEEN OFFERED OR ISSUED TO HER WITH HER INCOME LEVEL! We live in different states but thanks to online banking I make sure her bills are paid. 
Please help us.
The vehicle was repossessed XXXX XXXX. According to NC repossession laws, Go Financial was supposed to notify me at least five days prior to the sell of the vehicle, notifying me of the auction date, location, and time. After the vehicle was sold I was also supposed to receive post sale papers notifying me of the price the vehicle was sold. I have not received any correspondence from this company until I filed a dispute with BBB explaining the unlawful sales practices of Go Financial. I received a phone call from a representative onXX/XX/XXXXwhom verified that there were at least 3 discrepancies in the final price of the vehicle. However, Go Financial is reporting an unvalidated amount on my credit file with all three credit bureaus.
In XXXX Cheek law of LLC Petitioned XXXX county court to revive an old debt from XXXX. 
I explained to both the courts and cheek that I was on a fixed income of {$720.00}. per month yet the court granted these vultures access into my life for a debt which I had already paid for with 7 years of bad credit.
I already filed a complaint over this company, and they said they were going to close this case and take it off my credit reports. Due to it being identity thief. 

I received a letter today XX/XX/2018, that they were going to open an investigation again. the letter was dated XX/XX/2018 2018
Ocwen Loan Servicing LLC has refused to process my last payment in the amount of XXXX in a timely manner. Ocwen is improperly charging me additional interest by not processing my payment. Additionally, I have no acknowledgement from Ocwen of having their received this payment. 

On XX/XX/XXXX Ocwen Loan Servicing, LLC sent a a typical monthly Mortgage Account Statement to me showing a principal balance of {$130000.00} for a first mortgage for my property.

On XX/XX/XXXX Ocwen received a personal check from me in this same amount, delivered by USPS Priority Mail with delivery confirmed by tracking number.

On XX/XX/XXXXI noted that : 1 - my check had not yet been returned to my bank 2 when I logged into my Ocwen account online, my account balance in did not reflect this payment.

I then emailed the Ocwen Ombudsman asking why my loan balance was not reduced by the above payment amount.

On XX/XX/XXXX I logged into my online account at Ocwen and noted that my payment still not posted to my account.

On XX/XX/XXXX I received a Verification of Mortgage Account letter from Ocwen that I had requested showing the balance due on the loan was unchanged from the XX/XX/XXXX statement amount.

ON XX/XX/XXXX I issued a stop payment for the check that Ocwen had received on XX/XX/XXXXand then made two payments to Ocwen by XXXX XXXX XXXX totalling XXXX.

On XX/XX/XXXX the aforementioned amount was deducted from my personal checking account.

As of this writing my online Ocwen account still shows the same loan balance as stated on the XX/XX/XXXXstatement.

I feel that Ocwen is delaying processing my payment in order to continue charging higher per diem interest than would otherwise be due if my payment had been processed in a timely manner.
For a year we did over {$55000.00} worth of purchasing, and prompt full-balance payment, through our American Express gold card. Throughout that time, AmEx repeatedly and consistently raised and lowered our allotted credit limit. The assurance was made that once we proved ourselves throughout that year, the limit would be stabilized in accordance with our spending habits and credit score. In XXXX, we were offered an AmEx Platinum card. Our maximum allotted limit was {$50000.00}, with a {$25000.00} 'layaway ' for certain qualified purchases ( air fare, travel, etc. ). 

While still completing the credit application, XXXX XXXX, the main cardholder on the account asked several questions. 

MA : Am I able to take out a cash advance on the card? 

AmEx employee : No, you can't. 

MA : Ok, well can I make a payment to my own business? 

AmEx employee : No, that's not permissible either. 

MA : What about XXXX? 

AmEx employee ( excitedly ) : Yes! Yes you can! 

We went ahead and did that transaction, which we've since found out was not permissible after all. We were flagged for a financial review, and submitted all paperwork they asked for with the reassurance that it was simply a formality because of the error regarding the XXXX transaction. We even offered to return the money to the card. 

The culmination of the investigation was that our limit would be reduced to {$12000.00}, when we had already spent {$17000.00} on the card. We are in the middle of closing on a home. XXXX 's XXXX XXXX has suffered, and he has suffered multiple XXXX XXXX and XXXX XXXX as a result of the stress being caused. Where we were previously at less than 20 % usage on that card, we are now at 150 % usage, and it has artificially tanked XXXX 's previously pristine credit rating. 

We have dealt with AmEx loyally and in good faith over the past almost three years. We've had several different cards with the company. They have never been consistent. We have requested the recording of our conversation when the aforementioned employee incorrectly told us we were allowed to commit an act that we've since learned was not permissible. The company has responded that they will only release the recording with a subpoena. 

At this point, we are hesitant to pay AmEx anything, as we are concerned they will immediately terminate our account, or lower our credit limit to something worse. With the upcoming home purchase, we can not properly plan our available finances due to the instability with this company. Additionally, we have tried to reach out on multiple occasions and have been forwarded on to employees overseas ( who have lied and said they are based in Florida ; we have caught them mid-lie ). We have been a willing party in the resolution of this matter, in a way that is fair and respectful to all parties, particularly us, considering the amount of business we have done with the company. We are stunned and appalled, and are unsure of where to turn at this point.
I moved into my home in XXXX of 2014. Since then I have been receiving statements for the previous occupants. I have been returning the statements through the mail with a line through the address and XXXX written on the front of the statement. When that failed to stop the flow of statements I called JPMorgan Chase 's customer support line. The customer support representative told me to bring the statements to a branch which I did. When I received additional statements I filed CFPB Case number : XXXX. I have received additional statements since filing the complaint so I am opening an additional complaint to cover the new statements.
I have had my XXXX Credit Card for a very long time. I noticed the Card account and all its positive-payment activity was not being reported on my XXXX Credit Bureau accounts. I have been trying for 12+ months trying to get this issue resolved with XXXX and Equifax ( I started with them ). Attached is the latest volley in which Equifax states that the account is not on my Credit Report ( letter XXXX/XXXX/2016 ) and at the same time XXXX indicates that they ARE reporting to the XXXX credit agencies ( letter dated XXXX/XXXX/16 ). The XXXX parties have cost me a significant amount of lost opportunity by not performing the services they claim to provide ( fraud ). I would like this issue rectified ASAP and it 's great the State has this reporting portal. Nice job.
I was told in XXXX XXXX that I had to apply for a new loan as the balloon on my HELOC was coming due in XXXX. That request was denied but no alternatives were offered other than to pay off the $ 99,000+ balance. By the time a loan modification was finally offered to me in XXXX my XXXX payment had been missed as no one at Bank of America would tell me what to do. Once the modification was under way in XXXX I was instructed to make a double payment which I did on XXXX XXXX, XXXX in the amount of {$450.00} to make my account current. That payment was misapplied and split into an interest and a principal payment instead of being applied to the XXXX and XXXX payments. I applied for and was granted a loan modification on the above Home Equity Line of Credit on XXXX XXXX, XXXX. This process lasted nine months during which time I made interest payments as directed by Bank of America on time and in the amount requested. However Bank of America reported all nine of  these payments as " missed '' to XXXX and XXXX which has severely impacted my credit score. I am requesting that these are removed from my credit report as it does not accurately reflect the integrity with which this loan handled. There is a big difference between ignoring a financial obligation and following instructions of a loan modification representative. In the ten years prior to the balloon date of my HELOC all of my payments were made on or before the due date and more than the minimum payment was made. During the modification process ALL of the payments were made on time and in at least the amount requested or more. The purpose of credit reporting is to indicate a borrower 's credit worthiness and commitment to repay their debt and I have made every effort to repay this loan in a timely and consistent manner and fulfilled all requests for documents during the modification process in 48 hours or less in an attempt to expedite that arduous process. This report has seriously impacted my credit score causing my homeowners and car insurance to go up substantially and I see no purpose in Bank of America damaging my credit score when I have fulfilled all that they required from me with this loan.
This complaint pertains to  my First Progress secured credit card  which incurred a 30 day late payment due to an annual fee of {$29.00} incurred in  XXXX   XXXX .     Earlier on  XXXX   XXXX   XXXX , right before I left to Washington state to start a new business venture, I made a payment to pay off the entire account balance of {$1100.00} and closed the account.     However, what I was not aware of is that the account had not been closed and would incur an annual fee in  XXXX   XXXX . When I returned home a few months later I found that m y credit score had dropped and  a new late payment for   XX/XX/XXXX - XX/XX/XXXX  ha d been put on my credit report by  First Progress.    I immediately called and took care of the issue and once again request the account be closed and also requested that the late payment be remov ed. First Progress not only charged me their annual fee, but late fees on their own annual fees. In addition they said they would take over 3 months to refund my security deposit of {$2000.00}. Then despite my multiple calls and pleas to First Progress they refused to re move the late payment from my credit report, stating this was my fault, even though this was their own annual fee they put on my account. I consider these to be predatory lending practices.       I had over {$87000.00} in my bank account at the time of the late payment and had I known that the account was not cancelled, I would have surely made the payment.   I am in the process of securing a {$650000.00} mortgage for our family home, and this issue has cost me a loan approval.
Mi name is XXXX XXXX XXXX, My daughter, XXXX XXXX, was placed under legal guardianship under my care as of XX/XX/XXXX because XXXX is in a XXXX XXXX XXXX. I am responsible for all her affairs. Since the appointment, I tried to straighten out her financial affairs, including the XXXX XXXX credit card under discussion here. Several trips and several calls to the bank have been made. A copy of the legal papers were provided to the XXXX branch manager at the first visit in XX/XX/XXXX. In each of my attempts, no one will speak to me insisting they need to speak with XXXX, or that a Power Of Attorney be provided. I have repeatedly explained that XXXX became XXXX XXXX from an emergency, and a Power of Attorney will not be possible to obtain. In such cases Legal Guardianship that is awarded by the courts is the method by which authority is assigned to someone to act on behalf of another. All I need is a payoff balance, as I want to pay the account off, but since they wo n't speak to me, it is impossible. XXXX 's reputation has been harmed as she has been needlessly reported as delinquent. I feel XXXX XXXX has been negligent, causing me great stress as her mother because I believe in paying bills on time. I do n't understand the unwillingness of the bank to deal with me since I have the authority to act on her behalf. Please help me make the bank understand they must give the information necessary for me to pay the bill off. I also want very much to have her credit record adjusted so the delinquency is removed. Thank you,
I was added as cosigner on a student loan through   XXXX   XXXX   XXXX   in  XXXX . When I fiiled out my portion of the paper work I added three stipulations for the loan :  1 Interest would be paid during school to avoid a Higher amount of principle at the end of school. 2 I be notified if the loan payment is late. 3 d o not put the loan through if the stipulations are not agreed to by all parties.   XXXX   XXXX   XXXX   took my information, removed the stipulations, forged my signature on the note and pushed the loan through. they then sold the loan to  First Marble Head  and then  XXXX   XXXX   XXXX . The loan is serviced by  XXXX   XXXX   XXXX  and despite 11 years of attempting to resolve the fraud with  XXXX  I am still unable to get any where. My credit has been and continues to be effected by the false reporting and including my name on a loan I did not agree to or sign for. I have spent over  XXXX  hours on the phone, sent in a fraud packet in  XXXX , contacted the governors office in Nebraska and Pennsylvania and Inspector Generals in both states as well. My credit is still effected.   XXXX   and  XXXX  are the only negative marks on my credit history since  XXXX . I have maintained a perfect record of paying off my debts including  XXXX  of my own student loan fees. I have no problem paying off what I owe but I will not have my credit held  hostage or gi ve in to extortion on a loan I did not agree to or sign for.    Consent to publish the description of what happened? Consent provided My loan is Non-federal student loan ( Private, alternative, other student loan )  Issue Getting a loan : Qualify for a better loan than offered