WillisBack/dataset-financial-user-claim huggingface dataset:
BANCORP has sent my family on an emotional roller coaster from the start. My husband and I, our XXXX sons ( aged XXXX & XXXX ), and our dog, are currently homeless as a result of repeated indifference and inaction from BANCORP. We have moved a total of XXXX ( XXXX! ) times in XXXX weeks due to broken promises. Throughout this process, we have asked for open communication and honesty. We have received neither. Instead, we have been repeatedly stonewalled and given the run around. We have been extremely patient and understanding, yet that has not resolved anything. 

We were initially disclosed on XXXX/XXXX/2016 with a closing date of XXXX/XXXX/2016. The total disregard for the closing date, time and time again, has been unprofessional and disheartening. The most recently promised closing date of XXXX/XXXX/2016 will not be met as they have contacted our mortgage broker to say that the investor is no longer doing business with them. They also mentioned that there are XXXX other loans that were in the program. Every week we are told that it will close the following week. 

My children do not know where we will be tomorrow. This constant sense of unknown, of homelessness, XXXX. The same can be said for our XXXX year old dog. Furthermore, the financial burden of constantly moving weighs heavily on our family. We are spending $ XXXX- {$350.00} a night on temporary housing. To date, we have spent over {$7000.00} on temporary housing. We will also have to hire movers twice ( {$2500.00} ) and we had to rent a storage unit ( {$600.00} ) because our closing date keeps getting pushed back, over and over again, by BANCORP. 

My husband and I both have fast-paced jobs that we both love. For the last month we have not been able to fully dedicate ourselves to our jobs and our family. It is extremely time consuming to keep rescheduling installation and setup for utilities, cable, phone, and various other necessities. 

I do not wish the experience that we have had on anyone. A lot of this would have been prevented if - from the outset - a representative at BANCORP would have been transparent with us, providing us with a realistic closing timeline and letting us know that our closing date may need to be extended. We would have been able to extend our lease on our home and would not have had to endure the last three weeks of uncertainty. I never thought that I would be homeless. It is unacceptable for a company to have such disregard for their customer.
XX/XX/2018 - XX/XX/2018 - XX/XX/2018 and XX/XX/2018, Capital one has made inquiry 's on my credit thats wasn't authorized by me and it's affecting my credit and making financial losses.
I had my computer hacked the later part of XX/XX/XXXX. I had tried several different times to notify the company regarding my new email address and they were for some reason never able to correct my new email address nor did I get any paper statements in the mail. I had been making the payments from internet and made my final one I thought since I never received any statements for several months until XX/XX/XXXX. I 've tried resolving this issue with experian working with the department stores. I immediately called the store and found that they have a balance and at that time I paid this in full. Just a soon as I found that there was a balance and at that time was told that they had entered a 30 day late on my credit report.Asked to have it removed the 30 day and was told could not. Balance paid in full on XX/XX/XXXX {$240.00}. Copy attached Also attached emails since they changed my new email address. Never any for months before. <P/>I asked if this would be corrected on my credit report and they said it would never be.Tried several times to dispute this and they never would change. I 've got great credit. This was not I feel my error. Never did I receive a statement from them Until XX/XX/XXXX.Please show that these statements were sent out to me.
I have been working with Caliber home loans since XX/XX/XXXX in trying to obtain a loan modification. I have submit every single document that has been requested since my initial submission. I have received mailings on multiple occasions stating that my loan modification packet was complete and going to underwriting for review. Shortly after I would receive requests for additional information. After complying with all of the requests, the file was never decisioned. I was told I had to resubmit everything because the documents expired. This went on for 16 months straight. All the while I was in the XXXX County Foreclosure Mediation Program. Finally when the mediators set the case for a formal hearing on XX/XX/XXXX. Right before the formal hearing I finally received a decision letter. The loan modification was denied and I was denied all home retention options as my arrearages grew larger than FHA 's partial claim would allow. Caliber is at fault for neglecting to review my complete applications timely. I was prepared to begin making mortgage payments again as soon as the first application was submit. I am so disappointed in the actions of this servicer. Due to the length of time they wasted, I am now in close danger of losing my home to foreclosure.
Collection Bureau Services Inc. of XXXX montana alleges that we owe them a debt, but they have never sent us the required notice of our rights to " validate '' or " dispute '' the alleged debt. The first communications that we have received from them, on the nature of this alleged debt, was a lawsuit stating that we owe them this assumed debt. A lawsuit is not a legal form of first communication on any alleged debt. Collection Bureau Services Inc. is practicing Unlawful Debt collection Acts. And since we were never given the opportunity afforded to us by the FDCPA guidlines. We have never had the chance to " validate '' or " deny '' this debt. Which is in direct violation of our consumer rights. As well as the fact that CBS Inc is misrepresenting whom the debt is being collected for. They state that it is being collected for XXXX XXXX XXXX XXXX. But XXXX XXXX XXXX XXXX no longer owns this alleged debt. So how can they be collecting it for them? The supporting documents included : Support of the fact that we were not in default on our payments to the original creditor when they sold our debt off to a 3rd party. The supporting documents also show that CBS INC. Is not in fact collecting this debt for the original creditor as they claim that they are. But rather they bought our account from XXXX XXXX XXXX XXXX while it was in good standing, and currently was in the process of being paid on monthly by the us. The fact that we were not notified that our contract was going to be sold to a 3rd party without our consent, while it was in good standing and being currently paid on. Makes this claim even more outrageous. Our right 's have been violated, by the original creditor " XXXX XXXX XXXX XXXX '' as well as " Collection Bureau Services Inc. ''
I recently checked my credit report and found several addresses and accounts that are not mine. Below I will list the accounts and addresses that are incorrect on my credit report. 


XXXX  : Account Name : XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXXXXXX Account # XXXX Date Open : Balance : {$1100.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date XXXX XXXX Address that I have never been associated with:XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax : Account Name : XXXX XXXX Account # XXXX Date Open XXXX XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXXXXXX Account # XXXX Date Open : Balance : {$1100.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date XXXX Equifax fraudulent addresse : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Account Name : XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXXXXXX Account # XXXX Date Open : Balance : {$1100.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date open:XXXX Transunion fraudulent addresses : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
In XX/XX/XXXX I applied for a credit card at a local veterinary hospital. I was denied. I received a letter from the inquiring bank telling me why I was turned down. 
Reasons given by bank from information from Trans Union : - Serious delq and public record or collection filed - Too few accounts rated current - % of balances to high credit on revolving accts - Number of accounts delinquent - Credit score : XXXX From XXXX XXXX : - Credit card use High - Payment History Stellar - Derogatory Remarks XXXX Bankruptcy - Credit age I am a veteran - Total Accounts Solid number of accounts - Credit score : XXXX There is a discrepancy between the two reports and I would like to know why. 

Thank you,,,,
Every time I submit a rebuttal to my complaint against suntrust, my complaint is closed. This is completely unacceptable and I expect a response from suntrust regarding my rebuttal to case number XXXX. My complaint needs to be reopened and never should have been closed. This is completely unacceptable! I thought this site was for CONSUMER PROTECTION. Every time you close my complaint, you 're protecting the unscrupulous mortgage company!!
Transunion deducted points off my report, because of a dispute that was granted, every time I win a dispute because they have so many inaccuracies on my credit report they will go in and take away substantial amounts of points, I just won a dispute on XX/XX/XXXX and on XX/XX/XXXX they went in and took 58 points away for no reason and the time before that they took away 88 points because Inwon a  dispute, please have then restore my points, it is against the law for transunion to continue to deduct points away from consumers just because they win a dispute.
I have filed  XXXX  disputes with Equifax requesting that they remove an outdat ed 8 year old dis missed Chapter  XXXX  Bankruptcy from my credit report, It is my understanding that a Chapter  XXXX  Bankruptcy is removed from a credit rep ort seven year s after the date of filing a Chapter  XXXX  Bankruptcy. Please note that  XXXX  and  XXXX  have both removed the bankruptcy from my credit history on their credit reports. Equifax is the only credit reporting agency that refuses to remove the t he 8 year old dis missed Chapter  XXXX  Bankruptcy from my credit report.   I mailed a dispute request to Equifax on  XXXX   XXXX ,  XXXX  requesting they remove the dismissed Chapter  XXXX  Bankruptcy from my file on the basis that Chapter  XXXX  Bankruptcies are removed after seven years. I included official copies of my United States Bankruptcy Court, District of Colorado, Chapter  XXXX  Standing Trustee 's Final Report and Account document, showing that my Chapter  XXXX  Bankruptcy was filed on  XX/XX/XXXX  and Dismissed on  XX/XX/XXXX , and therefore is ove r eight yea rs old and should be removed. On  XXXX   XXXX ,  XXXX  I received notification from Equifax advising that the information was " verified '' and that they would not remove it. I filed another dispute with Equifax on  XXXX   XXXX ,  XXXX , this time online, and received notification on  XXXX   XXXX ,  XXXX  stating, again, that the information was " verified '' and it would not be removed.   I called Equifax  XXXX   XXXX ,  XXXX  and spoke to a representative that informed me that my Chapter  XXXX  Bankruptcy would not be removed because it is their policy to only remov e Discharged Ch apter  XXXX  Bankruptcies after 7 years and since mine was Dismissed and not  " Discharged '' i t will remain on their credit reporting information for 10 years.   I have searched the Fair Credit Reporting Act laws and can find no law or regulation that distinguishes the difference between a " Discharged '' or a " Dismissed '' Chapter  XXXX  Bankruptcy that would allow Equifax the discretionary authority on whether or not it should be removed from my credit report, especially since the other  XXXX  Credit Reporting Agencies,   XXXX   and  XXXX , have removed it.   Therefore, it appears that either Equifax is refusing to comply with FCRA rules and regulation as it pertains to the removal of my eight year old Chapter  XXXX  Bankruptcy or there is no consistency required among the Credit Reporting Agencies.
On the evening of XXXX XXXX, XXXX between the hours of XXXX XXXX pm I accessed a Bank of America branch located at XXXX XXXX and XXXX in XXXX New York XXXX Prior to entering the branch I saw a man trying to access the three machines. I entered the branch and went to access the atm to the far left. He stated " That machine does n't work. '' Although I found his statement strange I used the atm to the far right. I withdrew {$20.00} from my account and proceeded to make a purchase at XXXX 's XXXX on XXXX XXXX. Several hours later at XXXX XXXX I received an email notification from Bank of America stating " your balance is below your chosen alert limit '' XXXX. Account : Personal Checking/Savings account-XXXX Date : XXXX XXXX, XXXX. '' There was a follow-up email at XXXX XXXX that stated " Debit/ATM card transaction occurred above your chosen limit amount Amount : {$400.00} Debit/ATM card : ending in -XXXX Where : at Bank of America-XXXX , NY Transaction type-ATM withdrawal When : on XXXX XXXX, XXXX. '' I immediately contacted BOA at XXXX XXXX to notify them that I did not withdraw {$400.00} from my account and began to file Claim Number XXXX. I informed them of all the above and they informed me they would investigate. I was also informed that during the investigation I did not have to worry and my account would be credited the {$400.00}. This morning I opened a letter stating that they determined that no error occurred in the instance. I followed up with a phone call and spoke with someone who identified herself as XXXX ( an account manager ) who informed me that the video footage shows the same person ( me ) who deducted the {$20.00} also withdrew the {$400.00}. This is inaccurate as I never withdrew {$400.00} from my account. During this process I was never informed that I should file a police report nor did I think I would be accused of withdrawing the money from my account. I do not believe they conducted a thorough investigation. I want to view the video footage and I want the {$400.00} returned to my account.
I have   XXXX   loans through Navient totaling {$33000.00}. My first issue is that one loan is {$13000.00} which seems correct given what was disbursed to the school but the other is {$20000.00} which is no where near what was disbursed to the school. When I asked the company why the loan was so much more expensive they said because it had accumulated interest. My next question was why had it accumulated interest when not only had they just come due that month but the other one had not accumulated any and they could not explain and ended up putting me on an endless hold. My second issue is that my monthly payments total almost {$500.00} and I work an hourly   XXXX   XXXX   so when I called and asked about an income driven repayment plan they offered forbear offered forbearance as and option and I told them no I wanted to establish an income driven plan and they took a financial statement from me and my cosigner and i have heard nothing back from them at all. I have called asking and they say it is still being processed. It has been has been over a month now and they are not contacting me at all not even to badger me about the payment that is about to be 30 days late ( but is not yet, will be as of   XXXX   XXXX  ,2017 ). They did however call my cosigner 5 times last night (   XXXX   XXXX  , 2017 ) and told her that the financial statement she gave was not received because the call dropped. I sat with her when they took that statement and not only that but why wait a month to say " Oh the call dropped we do n't have it. '' Instead of calling me to ask where my cosigners statement was they just let me miss a payment that I have literally no way to afford. I feel like I have been cheated in order for this company to receive a late fee from me.
Ive contacted this company several times for several years trying to obtain information on an account that they are reportung on my credit file XXXX times, i have constantly disputed this account without resolution, it simply is not my account, its fraud please help
Can you explain to me the issues surrounding current loans thru Navient and also the issues surrounding Everest loans from Corinthian? Would the loan forgiveness have an effect on my loan amounts with Navient as well? Im confused I would just like some clarity. Thank you.
Equifax continues to list a " Public Record '' of XXXX from XXXX County Magistrate. I have provided them copies of latest judgement in response to XXXX of which I won and the debt was dismissed. This should be deleted from my credit report
Paypal automated system tried repeatedly debiting funds from my back up Bank acct when i have already notified them in advance not to ... .due to it being frozen. well everytime they tried and failed ... it started a long negative balance. well i paid the negative overcharges first thinkin that it would make it easier when i sort it out with them. NOPE ... ..they put me on HOLD til my battery died out ... .or accidentally repeatedly disconnected my call. Well, it gets worst.Now ... .all of a sudden ... .a big gap of activity summary is missing from my list ... .n funny how it's records of the overcharges they did that disappeared. I checked and double check the data sheet ... ..i overpaid paypal {$550.00}. So ... ..PLZ ... sum 1 help
I have repeatedly sent Pinnacle Credit Services a debt validation letter in which they have ignored. I do not believe this debt is mine. After Pinnacle ignored my request, I then sent a complaint to the XXXX. The XXXX informed me that they too, had tried to make contact with Pinnacle and after several attempts, their request went unanswered as well. I am now contacting FCPB to help me get this resolved.
This complaint regards Chases failure to remove a disputed charge from my credit card for an online order that was never shipped nor received. Pursuant to Chases terms of service, customers are not required to pay for charges that are the product of fraud or mistake, so long as the customer makes a good faith effort to correct the issue with the merchant and files a billing dispute with Chase. I have taken all of such steps, as outlined below, but Chase has repeatedly refused to remove the charge from the account. 

I placed a {$2600.00} order on a Chase credit card for balloons purchased on XXXX. Though the card was charged, the balloons were never delivered. I contacted both the merchant and XXXX seeking a refund, but the parties refused to refund the money. Following the procedures outlined by Chase pursuant to a phone call on XX/XX/2018, I filed a dispute to the fraudulent charge. I then remained in contact Chase to resolve the dispute, as outlined in the attached documentation and timeline of events. Between XXXX and XX/XX/2018, I disputed and redisputed the issue at least five times ; each time, Chase rejected the dispute via a form letter. In total, I made in excess of ten separate attempts to communicate with Chase about the issue ; such communications were met with confusion, frequently misplaced records, and in one case a manager who screamed at me over the telephone. Though Chase itself was solely responsible for the protracted process, it now claims that no credit can  be provided for the charge because too much time has elapsed from the transaction date. The incident has cost me significantly due to the fraudulent charge, need to purchase the product elsewhere, time expended, and legal fees in seeking a satisfactory resolution from Chase. 

Given my diligence in addressing the issue and Chases repeated failure to respond to the problem in a satisfactory and timely manner pursuant to its obligations under its terms of service, I am requesting that the CFPB aid in ensuring that Chase remove the fraudulent {$2600.00} charge.
XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX N/A XXXX N/A XXXX N/A XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Following SunTrust Banks repeated mismanagement of our escrow account, My wife and I have been trying to get the bank to close the escrow account since XX/XX/XXXX. They have refused to do so. 
On XX/XX/XXXX SunTrust sent a letter stating six ( 6 ) requirements needed to be met before they would remove  the escrow account. 
On XX/XX/XXXX we sent a letter by Registered Mail to  SunTrust showing that all 6 requirements for closing the escrow account had been met and again requesting that they close the escrow account. 
The registered letter was received by SunTrust on XX/XX/XXXX as evidenced by the registered return receipt. 
As of XX/XX/XXXX SunTrust has NOT responded to our letter and has NOT closed the escrow account.