WillisBack/dataset-financial-user-claim huggingface dataset:
I have a delinquent loan with XXXX XXXX XXXX. A company called CDR has been trying to collect on that loan. I contacted my Bankruptcy attorney who told me they are a SCAM company and the only thing to do is contact the FTC and file a complaint. their phone number is XXXX and his extension is XXXX and goes by the name of XXXX. Also contacted my brother and has all my personal information. Please stop this person, he tries to bully to get me to pay, even after I gave my attorneys contact info, he wad irate.
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CURO MANAGEMENT, LLC Inquiry Date XX/XX/2017 XX/XX/2017
Barclay bank has reported my XXXX account as delinquent, for 30-59 days when i have made my monthly payments on time, my last payment was on XX/XX/18.
I have reported to all 3 credit reporting agencies that they are reporting duplicate account. They are reporting XXXX ( XXXX XXXX XXXX ) and XXXX XXXX as separate accounts. They are not. I had only one 2nd mortgage. XXXX and XXXX XXXX are the same company. The account started out as XXXX, years later they changed the account number to a XXXX XXXX Account. They did not sell the loan to XXXX XXXX, they only change the account number because both companies are one in the same. I do not have 2 second mortages. I only had one 2nd mortgage, but they are reporing them as 2 separate accounts, but they are not. There was only one second mortgage its just that they changes the account number under the owner of the account which was XXXX XXXX who owns XXXX, but its still only one account. The duplicate accounts are being fraudulently being reported as 2 different accounts when in reality they are the same account.
AMCOL SYSTEMS INC XXXX XXXX XXXX XXXX, SC XXXX I have received two collections from this company same same balance owed, unfamiliar with it and trying to work it out but the derogatory mark is having a major impact on my credit score. A mistake has been made on my credit report I believe the company has put in this account twice.
CFPB, this is not a duplicate complaint. We have additional questions that need to be answered! This complaint is for Goldman Sachs Bank  only to answer the following questions. 
1st, when Goldman Sachs purchased our loan in XX/XX/XXXX from XXXX XXXX XXXX  and placed our loan/asset into a pool of trust known as XXXX XXXX  XXXX XXXX XXXX, did XXXX XXXX bundle our mortgage loan/asset with other loans/assets in XX/XX/XXXX-XX/XX/XXXX and sell them to another investor? 
2nd, did Goldman Sachs ever violate any federal or state laws from XX/XX/XXXX to XX/XX/XXXX regarding the performance of subprime residential mortgage backed securities ( RMBA ) as documentation reflects? 
3rd, does Goldman Sachs still maintain electronic records that will reflect who Goldman Sachs sold our loan to in XX/XX/XXXX-XX/XX/XXXX? 
4th, is Goldman Sachs policy, to maintain accurate records at all times? 
5th, is n't it a fact that Goldman Sachs Bank is not responding to our questions because Goldman Sachs knows that our mortgage loan/asset was part of the Justice Department investigation in XX/XX/XXXX which found Goldman Sachs guilty in conduct in packaging, securitization, marketing, sale and issuance of residential mortgage backed securities RMBS ) between XX/XX/XXXX-XX/XX/XXXX and agreed to pay {$5.00} XXXX in connection with its sale of residential mortgage backed securities? 
6th, is Goldman Sachs aware that due to these bad business practices from Goldman Sachs, XXXX XXXX XXXX ( our previous servicer that Goldman Sachs owned ), XXXX XXXX XXXX, the trustee, XXXX XXXX   XXXX have caused us mental and emotional damage? 
7th, is Goldman Sachs aware that we still maintain a mortgage balance of {$250000.00} even after fraud by your company has occurred? 
8th, is Goldman Sachs aware that your company violated our rights, federal and state laws along with consumer rights which has caused us mental and emotional damage? 
9th, is Goldman Sachs aware that if the original note and the original Deed of Trust has been lost, Goldman Sachs, XXXX XXXX XXXX ( our current servicer ), XXXX or the trustee, XXXX XXXX XXXX ( the trustee ) can not legally enforce our loan documents nor the HAMP modification in XX/XX/XXXX that reconfirms the original mortgage documents? 
10th, is Goldman Sachs aware that multiple federal and state agencies have complaints regarding the servicing of our mortgage, the fraud that occurred by your company and that we are seeking justice and compensation?
On XX/XX/XXXX of the year 2016, I began receive information from a collection company stating that I owed them money in the amount of {$130.00}. It was stated that debt was seriously past due, assigned to an attorney, and reporting to credit bureaus with negative information to be reported if action was n't taken immediately. After several attempts to dispute whom I had the account with and asking for verifiable witnesses to substantiate their claims that I owe anyone the said amount, which has not been verified. This company has not only damaged my reputation as an consumer, but also has vilified my name with the major credit reporting agencies.
My XXXX XXXX loan has been transferred to Navient. No where on my account summary, on my monthly statements, nor on the website itself does it give me my payoff date and total number of payments remaining. If not already required, student loan companies should be required to disclose all information, similar to the disclosure requirements of credit card companies. My Dept of Ed loans display this information - why not private loan companies?
My problem is with TransUnion. The company will show something wrong and I file a dispute. While my dispute is pending, suddenly other information will appear and be wrong dropping my credit score more, and I cant even dispute it because I have to wait for the first dispute to be resolved. TransUnion has continued to do this to me for nearly a year, after I paid my debts and received a XXXX credit score. I  currently have a dispute where I opened an acct with XXXX XXXX in XX/XX/XXXX and paid it in full by the XX/XX/XXXX ( within 2 wks ) before the very first payment was even due, however TransUnion shows I still owe that bill and owed it since XX/XX/XXXX now theyve brought up closed accts and placed them as loans AGAIN dropping my credit score. My student loans were consolidated and taken over by XXXX, and I do not owe any payment to XXXX I have proof, but TransUnion listed XXXX as ANOTHER loan ADDING to my loans and stated I have a monthly payment, dropping my score again and again I can not dispute it bc I have to wait until the first dispute it resolved. Im going to follow protocol and then, hire a lawyer and sue TransUnion.
XX/XX/XXXX upon signing up for a gold checking account I called Citibank to verify if I am eligible for the signing bonus XXXX XXXX points if I meet all the requirements. I was told yes I will receive the promotion offer. Right after the requirements were met I chatted online with an agent again to verify if they were met, and I was assured by the agent saying yes ( I have a copy of the conversation - XXXX : at XXXX XXXX, the bonus points will be credited into your account within 90 days. 
XXXX : at XXXX I request you to wait. 
XXXX : at XXXX You will receive the confirmation message from our end regarding the points when they are going to credit. 
XXXX : at XXXX Rest assured. ) A month later I called again to check on the status and a male representative said the same thing and asked me to wait for 90 days. And a month later I called again and the rep. said she will make a request and send me an email, but I never received the email. 
Today it 's been over 4 months since I signed up for the account. So I talked with an agent online about the promotion offer. She then told me that I am not eligible for the offer. 
I called 3 times and talked online with at least XXXX other agents too, and they did n't know or check if I was eligible for the offer?! They told me to wait for 90 days several times. Now I have waited for over 90 days, and she said I am not eligible? If so, should n't they have said that at the beginning?!
we have been going back and forth with chase for correct answers and they have tried to help but they have sent us conflicting dates and other information. They have completely confused us in this whole situation. We just want the right answers.
XXXX XXXX and ars Live wa state received community discharge for my spouse ch XXXX bankruptcyXX/XX/XXXX -gave XXXX  XXXX case number and attorney info etching Emailed the bankruptcy dept of XX/XX/XXXX including court documents Lawyer emailed them as well Credit report says charged off Informed them about community property and section 524 ( a ) ( 3 ) and I have no separate property. 
XX/XX/XXXX relieve letter from ars national services Inc seeking collection of XXXX for XXXX of my XXXX XXXX accounts included in discharge. The lawyer refuses to help us without us paying him more which we do not want to do based on limited funds and we found to many errors through the bankruptcy process due to his office misplacing and or forgetting certain creditor info multiple times. 
Last time I tried calling ellan financial for collections on harborstone account they refused to acknowledge the community discharge and hung up on me twice. The reason he filed solely was because I had filed when lost my house in XX/XX/XXXXso I couldn't and lawyer advised us to do this way even though the majority of our debt was in my name. Now my credit went from XXXX to XXXX and I feel like I'm constantly in distress about our families future and I don't know how to proceed. All efforts seem to be waisted
U.S. Bank representative choose to not honor the terms and conditions of a checking account promotion, saying that I do not qualify because I participated the promotion in XX/XX/XXXX. The published terms and conditions places no such restriction. The account was opened on XXXX XXXX. The terms and conditions states : " Offer is not valid if you have an existing U.S. Bank consumer checking account, had a U.S. Bank consumer checking account in the last six months, or received other U.S. Bank bonus offers in XX/XX/XXXX. '' After reviewing the published terms and conditions of the bonus, I asked 3 times to the status of my bonus and did not get an accurate response.
In 2005, I went to XXXX XXXX XXXX. They directed me to Bank One JP Morgan Chase for private student loans. JP Morgan Chase approved, over the course of three years, XXXX {$30000.00} loans for a total of {$90000.00} to a borrower with stated income of {$24000.00} per year with a cosigner who also made {$24000.00} per year. The monthly payments for these loans is {$410.00} each, for a total of {$1200.00} per month. My income, after taxes, was around XXXX per month. The debt to income ratio would have been 77 % not including paying for a roof over my head and other necessities. In making a decision for approving a loan, the lender can not assume any other factor other than the stated income of the borrowers. XXXX XXXX XXXX cancelled my program before I could graduate. As a result I, of course, defaulted on the loans. They have been turned over to XXXX XXXX XXXX, a debt collection agency, that took me to court without informing me and got a default judgment in XXXX County, WA for a debt now for over {$150000.00}. I have been terrorized by those debt collectors for ten years. I literally see a psychiatrist for stress and anxiety due to this situation and I can direct you to his contact information if you require proof of that.
bank of america is insisting i set up a recurring payment of {$1200.00} per week to be paid out of my credit union checking account. i have no conscious recollection of having set up a recurring payment of {$1200.00} per week. they are deducting {$1200.00} a week from my checking account.
I would like it if I could submit the letter I typed in detail about the problem along with my statement from the bank. 

I deposited a check sent to me from my dad of $ XXXX gave me {$200.00} right away ( XX/XX/2018 ) and told me the funds would be available on XX/XX/2018. 

That didnt happen they keep telling me that the account is restricted yet they closed the atm card, sent me a letter telling me that too along with dont use any check that I still have for the account cancel any direct deposits or auto bill pay they wouldnt let online bill pay go throu yet a transaction for {$270.00} went through after the account was closed and they charge me {$260.00} for check fees after I sent the checks out not knowing what they were going to do. 

They still have my money and wont release them.
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Home Mortgage Wells Fargo Home Mortgage XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Well Fargo Line of Credit Loan Account Number Num : XXXX Balance {$13000.00} Well Fargo Real State Home Loan Account Number Num : XXXX Balance {$260000.00} Dear Sir or Madam, Complaint Department I am writing to dispute seriously misleading and damaging information in my Credit Report. The items I dispute are on the attached copy of my credit report. 

These items are ( inaccurate or incomplete ) because mistakenly listed as Unknown '' ) should say paid as agreed. 

As you well know the loan modification processes was delayed by the bank. 
The reporting they said I was supposed to be later corrected. It was never done correctly on the credit report. The loan process started in XXXX/XXXX/XXXX it has been 9 year this mortgage and line of credit most be removed from my credit report. Clear up the mistake. 

Pursuant to my rights under the FRCA, this item should be deleted to accurately reflect my known credit. 

Enclosed are accurate copies to support these facts my understanding of the FRCA indicates I can expect a written response from you in the very near future. Thank you for helping to resolve this important matter. 

I really hope you will work with me on this. Please help me come up with a solution quickly to resolve the current status on my credit reporting. And keep your word as to credit reporting should be latter corrected Sincerely, XXXX XXXX
I had ( XXXX ) XXXX Capital One Credit Cards. XXXX was for business, and the other personal. I had always tried to be timely on payments. I worked late a lot, and at the time their web page stated that payments could be made until XXXX. There were times there I would get home late from work and not submit my payment until close to XXXX. They would then charge me a late fee. I complained several times. They told me payments made after XXXX were late, but still accepted until XXXX. The web page did not say that at all. Then the real problem began. I would get on to make payments and I would get several errors like " you request did n't go through '' or " the site is down. '' This would happen frequently. This would then cause the payment to be late. I did not know what to do. I have tried several times to remedy this with them but they continue to claim that I never contacted them. I will attach several letters. Upon request, I have several letters from the Attorney General of Indiana also. I feel that they purposely mislead people on the payment acceptance. This caused me to go into default and now stuck in collections. I went into default because they would charge late fees, cause the limit to go up and then charge over limit fees. There must be a remedy to this before I am forced to obtain a lawyer. This has resulted in MASSIVE interest rates when trying to obtain credit from reputable sources, including countless hours spent researching and fighting this matter.
GENDER DISCRIMINATION - I used a kiosk at XXXX XXXX in XXXX, MA for a third party credit card company " Synchrony Financial '' that XXXX uses to offer their customers zero finance credit cards for one year. - This is a gender discrimination complaint. After answering all the questions, they prompt you to estimate the total cost of purchases you wish to make. I keyed in $ XXXX. They returned with a $ XXXX credit card that was activated. At my request, a XXXX employee contacted Synchrony Financial to review my application and reconsider my full requested amount. They declined to change. I spoke with XXXX Sales Manager XXXX XXXX and expressed my concern of gender bias. I cancelled half my furniture order and gave XXXX a personal check for the balance of the order. While I was waiting for my paperwork I sat next to the kiosk. While I was there another woman applied at the kiosk and was declined for the amount she wanted. The employee in the XXXX credit department asked her if she had a husband, and if so, he could apply at the kiosk and then XXXX could request their credit card approval amounts could be blended onto XXXX card. Understand that my NET income a month is $ XXXX. If I paid minimum monthly payments - after bills are paid, my monthly discretionary income is $ XXXX. I had to wait three days to cancel the credit card ( automatically issued ). Cancelled on XXXX/XXXX/XXXX with specific instruction to state " closed at customer 's request '' - when the information is released to the credit bureaus. I was assured this would happen, and informed them I would follow up with the credit bureaus at a later date to confirm this was in fact done.
I sent the below letter to Experian. My report now reflects the bankruptcy as updated but this is not the case at all. Several credit items stated included in bankruptcy, but this is not the case. These items should all be removed. To Whom It May Concern : I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, voluntarily dismissed or adjudicated for XXXX years, the Fair Credit Reporting Act mentions nothing in XXXX XXXX relating to bankruptcy about dismissals. The law clearly states from " date of adjudication '' or date of " order for relief ''. In addition, Section XXXX does not specify a minimum period for which a bankruptcy must remain on an individuals credit file. Experian continues with the erroneous misinterpretation of said guidelines. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to XXXX XXXX XXXX a ) ( XXXX ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

I also reported this to the XXXX XXXX XXXX and yet to receive a response from Experian. The bankruptcy was involuntarily dismissed. 

Furthermore, the information in regards to the bankruptcy on my record is incorrect. I requested proof of the findings of their investigation. I also have disputed this several times, and yet to receive any information regarding their findings including proof of such findings and also have been given the run-around. They claim that all voluntarily dismissed bankruptcies are to remain on the credit report, but this was involuntarily dismissed, so based on the information I received by Experian, this should be removed, correct? I was not given any additional information on this.
XXXX, and Capital One have refused to remove these credit inquiries from my reports. I did not apply for credit with XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX % XXXX veteran very difficult. 

Hard Inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX My Credit security was breached. On XX/XX/XXXX XXXX  reported a data breach impacting 145.5 million people. Get up-to-date info on XXXX XXXX Incident site. I was notified by XXXX XXXX : " Based on findings that go back as far as XXXX, weve found your info in an additional 1 breach. '' You've been in 2 breaches We checked our database of over 13 billion breached accounts and your email address, XXXX, showed up in 2 data  breaches. That means some online accounts and personal info may be compromised. Data breach details View the details for each breach here, and then follow the steps below to help protect your accounts and identity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( also known as XXXX XXXX, XXXX XXXX, originally incorporated in the state of XXXX, is no longer in business. In XX/XX/XXXX, a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses, all of  which was used as part of an enormous spam operation. Once, de-duplicated, there were 393 million unique email addresses within the exposed data. Not Disclosed The name of this breach hasn't been shared publicly yet. This usually means it's part of an ongoing investigation, or the site could be considered controversial ( and it's hidden to respect your privacy ). Either way, your info is still exposed and you should take steps to protect yourself.
I have been working with my mortgage company for a loan modification. On XX/XX/XXXX, i was denied for the loan modification and in the letter it stated that i had a 30 day right to an appeal. I submitted my appeal on XX/XX/XXXX and the documents had been confirmed received. Yesterday I called Shellpoint to confirm that there was no sale date on my home. I spoke with XXXX and he advised there was no sale date and confirmed that it was placed on hold. Today we received a call from XXXX XXXX with Shellpoint and he advised that the appeal was acknowledged and the sale date was scheduled for XX/XX/XXXX. After getting deeper into the conversation with XXXX he then realized that they had all the documents to review the appeal but requested that i send solely the XXXX so that he can send it over to underwriting. I just dont understand how i can be so misinformed and my documents to be so neglected considering the circumstances of foreclosure.
Good afternoon, back in XX/XX/2013, both my husband and I enrolled in a debt solution program with XXXX XXXX and global client solutions. our debt totaled XXXX together of which XXXX was my debt at the time. I was advised to let all my accounts go into collections so that we could make a better deal. I submitted copies of our drivers license, social securities for both of us as well as all statements from all our creditors and our banking information. The calls from angry collectors began coming in at all hours of the day. I set up a monthly withdrawal to global client solutions from our checking account. Things didn't seem to be progressing even after making the monthly payments and after months a stop payment had to be put into place. There was no turning back credit wise, because the damage was done and it now included late fees and ridiculously high balances. Last summer I came across an email from cfbp that a settlement would be issued to clients affected by the debt settlement. my husband was included in the small settlement and after much sacrifice is still to this day trying to pay off that debt. I however, received nothing. My debt sits untouched, and tarnished even after all theses years. I called the company in charge of the settlement several times last year and they said all they could do is create a profile for me and see what happens. Sadly nothing has happened. I contacted XXXX XXXX XXXX and they stated that they have purged all old documents and that staff has been completely changed. I am at a complete loss as to what to do. Many places of employment require credit checks and obviously it is something I cant yet overcome. This issue has caused me a great deal of stress and anxiety. I hope that I can get help to resolve this issue that has dragged on for way too long. Thank you.