WillisBack/dataset-financial-user-claim huggingface dataset:
I just telephoned Navient a few moments ago. I asked them kindly to remove my mom and my ex-brotherinlaw from my private loans. I also requested they lower my interest rates on all XXXX private loans and to please consolidate my loans into XXXX. They said no they do n't consolidate and refused to lower interest rates or remove my mother and ex-brotherinlaw. I currently owe {$33000.00}. I owe more than I borrowed and this is now the forth time I 've requested assistance from them. They are unhelpful and unyielding assisting. I strongly feel I 'm being taken advantage of. The last time I called to try and lower my payments, they requested my mothers and my ex-brotherinlaws income. I found that awkward and when I asked why, I was informed Navient would have to take into account their income as well, although they are only co-signers.
with Equifax For the past week I 've been trying from XX/XX/XXXX - XXXX-XXXX 2017 to initiate online disputes for 4 medical collecations that have all been removed from XXXX and XXXX. They have such high volume calling I ca n't get through and you can not initiate the dispute f I 'm the app or web portal. I 'm a paying member of their site and ca n't get disputes started with them.
I have a credit card with  Bank of America. TH ey have not cleared my balan ce to 0 y et. I filed fraud for multiple charges last couple months and there is still a balance of  XXXX  dollars plus that is standing on my account and needs to be removed. I already called BOA fraud team and they do n't pick up. I also started the fraud claims investigation process by calling BOA and they said they will remove the remaining charges as they did n't the first time because they thought I did n't lose my card and many charges were chip transactions. However, I did lose my card, hence all those chip transactions also need to be credited back to my account. I was told but BOA they would be about a month ago but still I see nothing.     My card number :  XXXX   Sincerely,   XXXX   XXXX
Wells Fargo credit card I was authorize person, my name is already off from Wells Fargo but still appear as Im still authorize person in credit report. The one that has a credit line if {$17000.00}
XXXX XXXX states account is mine, they have an address on the letter the responded to my complaint being in XXXX Florida. I have never lived in XXXX Florida, and the account they are reporting from XXXX   XXXX shows their documentation is addressed to my home address in Arizona. 
the so called proof of debt does not have my social security number on it, yet they have included it in their response to my complaint in XX/XX/XXXX. 
All they sent me were old statements from XX/XX/XXXX addressed to XXXX XXXX in Arizona, not XXXX Florida which has never been my address, and no identifying information that this is truly my account. 
I would like to see evidence that XXXX XXXX supplied them with my Social Security Number as they are basing my identity and their proof of my id on a Social Security number that was not provided to them by XXXX XXXX, I need a copy of documentation whereas the received my Social Security Number from the Original Creditor and not by submitting my name to the credit bureau and assuming it is my debt. Proper verification of me as being the debtor is required to be submitted to me, not some old invoice with an address they are not using to contact me. I repeat the attached letter shows they have XXXX FL. as my address, and how exactly do they have my SS #? send documentation of my SS # given to them by the Original Creditor, this account has not been properly verified as you can see from their letter subitted on the response to my complaint. this is not my debt!
I paid my dept to CSI to XXXX over 3 years ago, even after 3 years of asking them to removing the debt off my record it still on my record. I currently use the service and have been for the last 3 years. I have filed a dispute with the credit report XXXX and it wont get off my credit. While I do n't have the original receipt that the debt was paid in full I have statements for months i use their service. I call and they keep saying that they will take care of it and it should be off my credit in 45 days and nothing gets resolved. I even call XXXX XXXX to see if they can do anything and they give me false numbers to call. This has been a big mess that I cant seem to resolve on my own.
On XXXX XXXX, XXXX I sent a letter to Harley Davidson requesting an explanation of a {$400.00} expense I noticed on my invoice. Having not received a response, I sent another letter to HD asking for the same information and also asking why {$100.00} of my payment was applied to interest only and not principal. Again receiving no response, I sent another letter on XXXX XXXX, asking the same questions. The question about why my entire payment was attributed to interest rather than principal was responded to. It was convoluted and I still do n't agree with how they applied my payment, but I did n't know enough to fight about it. The answer I received for the {$400.00} was it was for repossession efforts by a third party. Since I had not been contacted by any third party, I asked for HD to provide an accounting or itemized billing for this {$400.00}. No one other than HD contacted me or sent a letter, so I wanted to know what this {$400.00} charge was for. I was provided with an invoice simply saying {$400.00} but nothing showing what equated to {$400.00} worth of expenses they wanted me to pay for. I again sent a letter on XXXX XXXX, XXXX asking for an itemization of the {$400.00} of expenses that HD had now taken from me. They applied a payment meant for principal and interest to this {$400.00} and then told me my payment was late. To this present date, XXXX XXXX, XXXX, I have not received an accounting of this {$400.00} expense. I was told by a gentleman in the HD financial services department on XXXX XXXX, XXXX during a 20 minute phone call that HD was not going to provide this to me, they were not required to per his supervisor, XXXX XXXX. I was told sorry, but too bad you 're not getting an itemization of this expense. I did explain to HD I had not been contacted by any third parties, I had not received any correspondence from any third parties so this is a scam and it 's okay if they do n't want to follow up on it, but I should not be left paying for services that were never performed. Can you please help me to have HD apply the {$400.00} they have already taken from me and apply it to my principal. As mentioned, I am not too sure about the way they apply payments to principal and interest and if you could ensure I am being charged properly for interest, I would deeply appreciate it.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
We filed a complaint against our mortgage lender Wells Fargo with your organization about three weeks ago, CFPB Case # XXXX. We were complaining about how Wells Fargo has continually put us through a paper chase and shuffled us from department to department and failed to give us the opportunity to be reviewed for any homeowner assistance programs. After filing the complaint, Wells Fargo did reach out to us and led us to believe that they were willing to consider us for homeowner assistance options based on our current financial circumstances. We were also told that they were working on a response to the allegations we made in our complaint. We were shocked when just a few days after sending our package of financial information in that Wells Fargo responded, and said they will not even look at our information. This is hard to believe, this is a bank that received over {$30.00} billion dollars in government bailout funds. This is a bank that has continually kicked the can down the road and has obstructed access to government and internal programs designed to help homeowners. We have been financially stable for the past couple of years and we have the means to make a reasonable mortgage payment. The issue is that Wells Fargo will not even LOOK at our current and correct financial information to determine what programs we may qualify for. This is wrong, they are not following the rules or the guidelines and need to conduct a review of all available programs and then provide a detailed breakdown of each program we were reviewed for as well as the information used to calculate income and expenses etc. 

Due to a workplace injury I was on workmens compensation at a reduced pay rate for a few years and have tried to apply for these types of programs. I have repeatedly gotten the runaround from Wells Fargo who constantly changes contacts, loses paperwork and transfers our calls from one end of the bank to the other with no cohesion. As a result, we are now facing foreclosure. This is further cause for concern because Wells Fargo has ignored the laws of the state of Delaware and failed to allow us the option of state monitored mediation. I have been back working full time for the last two years and my wife works as well. We occupy our home with my XXXX-year-old son and XXXX-year-old grandson as well as my daughter and her husband. We can afford a fair and reasonable payment, but Wells Fargo wont even give us a set at the table. This is a bank that received over {$30.00} billion dollars in tax payer bailouts and recently was involved in highly publicized cases of consumer fraud. They continue to engage in this type of behavior and it is harming the residents of the state of Delaware, including my family! That is my complaint. We want answers. We need to be reviewed. We need answers as to why Wells is refusing to engage. We want to fix this problem. Based on our current income we have the means to make a reasonable payment.
XXXX is reporting 4 accounts in collection, and unpaid. All 4 accounts have been paid in full over a year ago. all 4 accounts are listed as unpaid medical. XXXX is also reporting my credit card balance incorrectly. Please update my credit card balance correctly. I did not give authorization for the following credit checks. > 1. XXXX > 2. XXXX > 3. XXXX > 4. XXXX > 5. XXXX In addition to the above credit inquires there are lots of old hard credit inquiers showing on my account.
I opened a Citigold checking account with Citibank in late XXXX last year. When I signed up, there was a promotion offer of XXXX bonus. I used the promotion code of the offer to apply for my Citigold checking account online and my account was reviewed and approved without any issues. After my account had been approved, I got the confirmation via Citi online chat session that I was eligible for the promotion of XXXX and this promotion was successfully attached to my account. The bonus would be credited to my account 90 days after I fulfilled the requirements. I completed all the requirements of the offer : XXXX bill pay in two consecutive months and spend at least {$1000.00} in debit card purchases. After I finished these requirements, I got the confirmation from Citi representative that I had met all of the terms in early XX/XX/2016 plus that I was eligible and the promotion was linked to my account. I have digital proof of all the information mentioned above. Reconfirmed on XXXX, and got the information through secure message that the 90-day mark falls on Saturday XXXX XXXX and the miles will be processed to my XXXX account the following business day XX/XX/2016. They suggested me to wait longer since the incentive should be credited no later than the end of the end of XX/XX/2016-statement cycle. But the bonus were never credited to my account. There is no justification for the delay in posting the bonus. I inquired about this problem via online chat and they opened an investigation on XXXX reward over three weeks ago, but they have n't provided any resolution. 
Meanwhile, there is a relatively high monthly service fee associated with the Citigold account and it would take several months for new account holders to meet all the terms and conditions to obtain the promotional offer. It is not justifiable and should be considered fraudulent for Citibank to attract new customers using promotion offer, collect high monthly service fee from new account holders, and not honor the promotional credit after customers opened their Citigold checking accounts, met all the promotion requirements and paid the monthly service fee accordingly.
I spoke with someone XXXX 2017 at XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, him and I ( I believe XXXX ) made arrangements to pay {$100.00} a month, I told him I 'd call by the XXXX, if not I will for sure call by the end of the month. The company has called a few times already this month ( XXXX ) and when I called " XXXX XXXX '' I told him I was calling to make a payment, that my grandfather just passed away so that is why it 's later in the month ( but still before the end of the month ) He Immediately started raising his voice saying hm ok, you are no longer trusted to make the payments and the client wants to do automatic payments. I said no, what? what do you mean? I am calling by the end of the month. I did n't even get a chance to tell him I ca n't do automatic payments because I 've had so much fraud on my bank account and it worries me. He told me my credit was garbage and that is why I ca n't be trusted. What does my credit have to do with who I am? this " XXXX guy '' does n't know our story nor would he care and he treated me with so much disrespect. He than said I 'm not talking to you anymore, have your lawyer call me and hung up on me. 

How do I work towards making payments if the person who is suppose to be collecting the payments wo n't talk to me? I am now in the middle of calling the credit card company trying to see if they will take my payments or send it to a different collection agency because I DO WANT TO PAY IT OFF but I ca n't handle the belittling and bashing from this company because the situation is n't picture perfect. I have read numerous complaints about this company and they do not care how they treat people and the only reason they get payments is because they bully people and do n't treat them like people. DISGUSTING!!
I have already filed a complaint against this, but it is still not resolved. 
The XXXX companies, XXXX XXXX and XXXX XXXX XXXX ( XXXX ) have both requested that the inquiries be removed from my credit report because they are a result of identity theft. Equifax refuses to remove the inquiries, even after I have disputed the inquiries multiple times. I have attached my denied dispute and highlighted the XXXX inquiries that have been requested to be removed.
One year and a half years ago this company called XXXX XXXX company opened dispute of a account but I didnt receive proper notification or verification of debt of account.the debt wasXXXX. I  contacted them and got no response.
We have been in our home since XXXX. In XXXX, we changed our loan, due to the APR and balloon payment of our XXXX mortgage. XXXX, was the loan processor, here on XXXX. Somewhere in this transaction, there was rob-signing, along with some other issues on the loan. Over the next few years, our loan was bought and sold XXXX times. I processed a loan modification in XXXX, which was approved. Our payments had been around {$4200.00}. with tax and insurance, and were reduced to {$3300.00}. per month. In XXXX, I was put off work by physicians, and we were having difficulty with the mortgage. In XXXX, we applied for a HAMP, ( loan mod. ) and were refused. We have since employed a person for assistance with this issue. It was discovered that our loan, was indeed, fraudulent. Since this time, we have been trying to resolve this issue. We were served Summons papers on XXXX XXXX, regarding a threatened foreclosure on our home. We were to file with the courts, what our intention was, on our property. The summons came from the office of XXXX XXXX. Our issue is with XXXX, and their service company, OCWEN. When XXXX XXXX was contacted last week, they stated, " we do not have a loan with XXXX and XXXX XXXX ''. They could not find us in their system by name or social security number. We submitted on XXXX XXXX, a dispute regarding the multiple offenses regarding our loan. I have attached several letters written by our representative, which were sent to the Court, and the office of XXXX, attorney at law, on XXXX XXXX. These letters are of great concern to us, and we really need our loan, looked at. I will forward our latest billing from Ocwen, which includes penalties, and late fees. This will have our loan number on it. Also I will attach the Summons, and XXXX I will send the XXXX letters written and delivered to XXXX, and the XXXX XXXX, XXXX, Hi I also need to know if this person helping us is fraudulent in any way. Her name is XXXX XXXX, XXXX XXXX XXXX. I also would like to know if XXXX XXXX XXXX has any bad reports. I just started talking with XXXX XXXX XXXX ( XXXX ) regarding this issue and they recommended a quick short sale. We are so confused at this point, we do not know who to trust. Please help ASAP. We only have a week to decide and file with the Courts if we want to short sale.
I have attempted to dispute this issue Bank for several months now sending him letters doing enquiries to them verbally asking them to remove unauthorized hard inquiries that were not authorized as well as removing the false information that they had provided and then had mistakenly remove the entire account kasi need to lose a year and a 1/2 of  credit history dropping my scores significantly and now they are not reporting on any credit bureaus they tell me they are when I call the credit bureaus it does not show is reporting and I look at my credit reports it does not show is reporting but XXXX   proceed credit card shares by the fact there's nothing they could do because they're already reporting it I have contacted them and waited for 60 days for the no reply I've had to call them repeatedly in explain over and over with no recovery to fixing my credit and my score back I have had an account open with them for 2 years now and they have completely removed it from all 3 bureaus and I pay it monthly
On XX/XX/XXXX, I discovered that XXXX XXXX had been re-inserted into my Experian credit file. They are required to notify me within ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Also I have recently disputed AGAIN on the other credit files XX/XX/XXXX, that the balance being reported is incorrect, instead of fixing the balance XXXX has reported 7 late payments and balance is the same as it was 1 year ago. We have gotten a deferment on the auto loan, paid the interest on the loan, and payment was never deferred. Ive been disputing with them for over a year now and they still have not corrected the problem, and they are not allowed to re-insert without notifying me.
XXXX credit card charged me an annual fee as of XX/XX/XXXX I closed the account on XX/XX/XXXX and they refuse to prorate the amount of {$96.00} along with a monthly fee of {$10.00}. However I do not use this card and was told that {$100.00} is due on XX/XX/XXXX and if I dont pay it, itll go on my credit. Which is ridiculous that I have to pay an annual fee which is yearly if I dont have the account anymore. Could you please assist?
CLEARPATH LENDING sent me a promotional offer for a refinance loan product despite the fact that there is a promotional opt -out block on my credit file.
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Nationwide Recovery Services refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within XXXX 10 XXXX ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction XXXX XXXX ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
I have incorrect information on all the credit reporting agency, XXXX, XXXX, and Transunion. An because the incorrect information I had to take a new loan at a higher rate and I 'm having issues buying a home.I will list off of the in correction on my credit report. XXXX incorrect details bellow XXXX XXXX {$100.00} OPEDN ON XX/XX/XXXX XXXX XXXX  {$50.00} OPENED ON XX/XX/XXXX XXXX XXXX {$15000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX {$8500.00} OPENED ON XX/XX/XXXX XXXX XXXX XXXX {$87.00} OPNED ON XX/XX/XXXX Transunion incorrect details XXXX XXXX {$100.00} OPEDN ON XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XXXX {$50.00} OPENED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} OPENED XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$12000.00} OPENED ON XX/XX/XXXX XXXX Incorrect details below XXXX XXXX XXXX {$7000.00} opened XX/XX/XXXX Blank info listed as collections as {$100.00} opened XX/XX/XXXXand {$50.00} opened XX/XX/XXXX XXXX XXXX {$1800.00} OPENED XX/XX/XXXX I HAVE NEVER HAD ANY DOING WITH THESE COMPANIES
I have been paying my mortgage without missing any payments and my mortgage company send me a letter on XXXX saying that I own them money and I send them proof of payments made and cashed by them since then and I have no answer from them. they keep sending asking about all that money and they hired a lawyer to star foreclosure I send the lawyer all the proof of payments no answer from them neither and the mortgage company is not accepting my monthly payments I keep sending them my normal monthly payment and they send it back to me because they said I have to pay total amount I own. since 3 months ago they are sending me back my payments.
I disputed that XXXX was a fraudulent account due to the fact, due the fact of me filing a police report stating I was a victim of identity thief. This account was removed from my credit once but since then it 's back on my credit file and reporting negative.