WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing in regards to my XXXX lien account holder. I 'm participating in a HAFA short sale and I have obtained the HAFA short sale approval by the XXXX lien, XXXX XXXX XXXX , XXXX ( enclosed ). The approval letter was provided to XXXX XXXX XXXX, from Eltman Law, PC. ; representative of the second lien holder. We also provided him with copy of the HUD showing {$12000.00} toward the second lien. We received a counter offer from a XXXX XXXX for the amount of {$45000.00} and they are refusing to accept the first lien offer of XXXX this is causing me delay and a possible cancellation of my settlement. My closing and Relocation Assistance is in jeopardy as they are not collaborating, forcing me to go to foreclosure, exit the property and end on the streets without a place to live. 
I have a buyer ready to purchase the property and the second lien is not collaborating with my short sale. I hope you can look into this as I have done everything possible to make this closing happens and to avoid foreclosure. Under HAFA guidelines the second can collect up to XXXX and the first lien is offering this amount to them. {$45000.00} is not available neither allow.
We were charged for four separate charges totaling {$71.00} on our credit card operated by Bank of America ( BoA ) to a XXXX company named XXXX which we did not authorize. We had made one purchase from this company but did not authorize it to keep our credit card information. We did not authorize any further charges nor did we authorize any services or products from this company. Apparently XXXX kept our credit card numbers on their files. We understand this company is a XXXX company. 

We filed a written complaint with BoA on XX/XX/2018 disputing that we had authorized these {$71.00} charges and signed a written statement to BoA to this effect. On XX/XX/2018, BoA wrote us they were " unable to determine that a billing error occurred based on the information or documentation available to us ... .we consider your disputed resolved and the balance owed. '' We then called BoA and spoke with their representative who said we would have to provide written documentation that we had not authorized the charges for XXXX. We asked how we could disprove that we had not authorized these charges and he could not answer. He acknowledged that BoA had not contacted XXXX asking for my signed authorization for these charges or any information about what these charges entailed. 

We are in an impossible situation. We can not disprove that we did not authorize these charge and have no information as to what these charges involved as the product or service allegedly provided to us. This company evidently kept our credit card information illegally and then used it to bill us for four charges.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Re : Disputing Inaccuracies on My Credit Report HUNTER WARFIELD XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX {$4500.00} {$4500.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Dear Sir or Madam, I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you investigate/re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion This item is ( inaccurate or incomplete ) because I do not owe this debt. I received no letter in the mail and when I called the company after seeing it on my report they said it was an error aND MAILED me a letter stating it was paid. I am requesting that the item be deleted to correct the information. 
Enclosed are copies of the following documents supporting my position : 1.Letter form company saying I owe no debt Please reinvestigate this matter and the disputed items within the time frame required by the Fair Credit Reporting Act ( FCRA ) and inform me in writing of the outcome.Thank you for your time and consideration in this matter. 
Sincerely, XXXX XXXX
Experian LLC. continues to report unverified accounts in violation of the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) in violation of the required Federal law to verify with the original Consumer Contract with my Signature.
I have several hard inquires, in which I have never applied for these auto loans. I was not aware that someone used my social until I checked my credit score and seen XXXX inquires that I have n't applied for. XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, capital one auto finance.
I have a collection account listed on my credit reports by a debt collection agency, Central Financial Control who is not licensed to collect in the state of Florida and therefore I am disputing this collection agency
XXXX XXXX XX/XX/17 XXXX XXXX XX/XX/17 XXXX XXXX XX/XX/17 XXXX XXXX XXXX XX/XX/17 XXXX XXXX XXXX XX/XX/17 All inquiries, I never gave permission to run my credit.
I filed a recent complaint with CFPB regarding complaint number XXXX in early XXXX. According to that complaint, they were going to research can get back with me to provide proof that the debt belonged to me. They have not been able to do that. According to laws governing debt collection, they are supposed to provide me with proof of the debt that has my signature on it. They are stalling and have not been able to prove this. It has been 30 days since I originally requested debt validation and have still not received. Both records that they placed under the credit reporting agencies will need to be removed or I will be forced to escalate this further and even get my attorney involved. This needs to be deleted ASAP.
Bank of America refuses to accept accountability for the failure of their autopay system to pay a bill on my credit card, leading to a late payment reported to the CRAs.  I have never had a late payment in my life and have autopay on all my cards.I'm in the process of purchasing my first home and the falsely reported late payment caused my credit score to drop 106 points.BoA refused to take any action for this.
I took out an auto title loan for {$1000.00} with Advantage One Credit, LLC in XX/XX/XXXX. Since that time I have made monthly payments in excess of {$2000.00}. I attempted to make a payment in XX/XX/XXXX but I was unable to as the company website was defunct and I was unable to contact Advantage One by phone. Last week I received an account notice from Advantage One stating they were changing the way my loan is serviced and to mail all future payments to an address in XXXX, TX. This was just an account notice and not a billing statement.. All previous payments were either paid by phone or online. The company website is back up and there is an option to email customer service which I did twice and got no response. I phoned the company on XX/XX/XXXX and asked if I could make a payment by phone but I was told they were equipped to do this. I also asked about a billing statement and the response I got was I should receive one in the mail soon.
I had a Wells Fargo auto loan paid perfect for XXXX years, got into an accident had gap coverage also insurance was to pay off the loan. I pulled my credit report and seen on this account it stated a collection account because there was a small balance left which should n't of been accurate. I went ahead and paid it because I care about my credit. How can this company report I had a collection when it fact every payment for 3 years was made until they received the insurance check. Please help
I am currently in the process of trying to purchase a condo in XXXX. In order to do that I need to get a loan ( FHA/Conventional ). In talking with a couple of different companies ( XXXX XXXX, XXXX, XXXX ) this month ( XX/XX/XXXX ) to get a loan, they informed me my credit score was just below the threshold to get the loan. 

While investigating my credit report, I noticed there was a charge for {$320.00} with Midland Funding.Neither XXXX XXXX or XXXX would identify who they were. However while talking with XXXX XXXX, they informed me that Midland Funding is a 3rd party collection agency. They informed me of thisXX/XX/XXXX. 

Upon informing of this I placed a call to Midland to verify what the debt they were trying to collect was for. They informed me it was for a debt on behalf of XXXX. Which is odd, because while I did have a XXXX card, I paid it off over over 4 + years old. In fact, they actually deactivated my card because of inactivity. 

After contacting themXX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX, I spoke with 5 different representatives for Midland Funding LLC. I specifically asked them, what were the charges for. I asked what is the invoice owed, what are the specifics to this debt. Not one person could give me an answer as to specifics of this debt. They only would say you had a XXXX card from XX/XX/XXXX- XXXX. Nothing more. Which is why I am disputing it. I do n't believe I owe this at all, and they have n't provided anything showing I do.
I owe about XXXX on a student loan that I have not been able pay. I have recently accepted a position as a XXXX XXXX at a XXXX XXXX and had been made aware that my diploma is not acceptable since it is from XXXX XXXX. I graduated with honors and can not understand why my diploma is not acceptable. Furthermore why should I be forced to pay a loan for school that is no longer accepted?!
I have been attempting to QUICKLY resolve this matter for months. I have been sending certified letters requesting validation of this account to XXXX XXXX and XXXX. To which I have only received billing statements and not proof of any contractual obligation binding me to this debt. Despite not providing me with competent evidence that I have a legal obligation to this debt the have continued to report inaccurate information and damage my credit. I have even sent them proof of the SIGNED contract I had with them that ended XX/XX/2015. I do not owe them this XXXX bill they keep sending me as I paid everything owed when the contract ended in XX/XX/2015.
Notarized FHA modification documents XXXX times. XXXX time was with XXXX who came to my house. Stated I would receive a check for {$200.00} in doing so. Now I get another XXXX delivery saying I must do it over again because some documents were not submitted. This is the same reason given each time.
I made a online transfer to my account and it did not reflect to my credit card account ( BANK ERROR ). 

I received a phone call and was made aware that my account was past due and immediately made arrangements to bring account up to date, after already making a transfer online that should've taken care of account but did not ( BANK ERROR ). 

I have formally submitted my complaint and the " BANK ERROR '' issue was never addressed after two formal complaints were submitted. 

Please remove derogatory remark, due to " BANK ERROR '' ( online banking ).
I have been been trying to get a loan modification for over a year, and its been between XXXX different lenders XXXX XXXX XXXX and Select Portfolio Servicing. I do n't know how and why this note is being bounced back and forth for the past 8 years. I do n't understand why this being done without giving me notification and consent if I wanted to find another lender or not. After talking with another lender, I had requested a loan modification with Select Portfolio Servicing, and there is no trace of this at the request XXXX XXXX, they have not been able to produce the modification at all. I feel as I have been railroaded, and after that I was told by XXXX XXXX that they have put a {$5000.00} lien against me, I have not missed a payment. So I 'm not sure why and how this came about. Also I requested an escrow account for my taxes and insurance and was denied that as well. I currently am displeased with both companies.
In XXXX of XXXX I started contacting companies that I could help me consolidate my student loans. I contacted Student Loan Advocates and they initially advised me that I do not qualify for assistance because I do not have a XXXX XXXX or a high enough balance. I was contacted with repetitive phone calls for a couple days telling me they would be able to help me with consolidation. I spoke to a representative named XXXX and he stated he could help me with the initial on line application, he answered all the questions and stated that my balance would decrease to less than XXXX a month and for a shorter period of time. A couple days later I received an email from XXXX XXXX with an application for me to complete and fax back. In the process of filing out the application a question asked if I work for a nonprofit organization, the answer is no and the next step told me that I do not qualify for assistance. I sent an email back to XXXX advising that I will not be able to complete the application due to my company not being a non profit. I started receiving emails and text messages advising that I need to still sign the application and fax it back. On Friday X/X/2017 I received a text message stating that a charge of XXXX will be taken from my account. I contacted both XXXX and XXXX and advised that I did not agree to a payment since I did not qualify for their services. On Monday XXXX a XXXX charge was taken from my XXXX XXXX Credit card, I called and asked why they are deducting money when I was not approved and was advised that even though I was not approved the charge was the first from a XXXX application fee. On XXXX I went to pay my student loan with XXXX and found that my user name, my password, and my email that is associated with my account was changed. I was not able to contact XXXX until Monday XXXX, I advised of them of the problems and they were concerned that someone has accessed my account and changed my user information. I provided the information of my original user name and password and the one it was changed to right before this one and the rep was able to help me correct my information and put a password on my account. She advised me that it is against the law to access my account and to contact CFPB and FTC to file a complaint.
On XXXX XXXX 2017 I have sent a letter to XXXX XXXX XXXX. The company is reporting an address per this debt on my credit report that is not correct and does not enable them to verify or validate this debt. The letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX Tennessee XXXX
BARCLAYCARD WILL NOT CREDIT MY MASTERCARD FOR APPROX {$990.00}, that was charged by a vacation planner " XXXX '' in XX/XX/2016. I tried to redeem my vacation weeks in XXXX in XX/XX/2016, the company disappeared ... no phone, no email, no websites. When I called to file a complaint with BARCLAYCARD, XX/XX/2016 they immediately refunded the charges, pending their investigation. They were unable to locate the vendor then re-charged my account the original amount. They stated that because I filed a FRAUD vs DISPUTE case I was not eligible for a refund and my case window had closed! I had no knowledge of their internal classification of complaints ... .I simply told my story to several customer service reps 10+ times. Each call was a repeat of previous conversations. My most recent calls followed their instructions to fax my contract to them. 18 pages followed circa XX/XX/2016. They told me that I should continue " communications '' with the company because they perhaps, may refund or redeem my vacations in the future. Clearly they have me on the " slow roll '' placing useful idiots with poor language skills in my path. What is my next step? Can you help me?
I have asked Capital One to cancel a credit card I had with them months ago. They still will not close out the card.
On XXXX/XXXX/2016 I made a phone purchase for XXXX tickets to a XXXX XXXX XXXX in XXXX XXXX. I used my Chase Credit Card. I selected XXXX seats illustrated on the XXXX XXXX XXXX. The total ticket price was approximately {$450.00}. I then gave my requested Credit card info over the phone. The summary by the agent concluded with a price of {$850.00} as a result of miscellaneous fees, etc. that we 're never disclosed previous to credit card info. 
I requested cancellation. The response was " all sales are final '' followed by a dial tone. 
Within 10 minutes I contacted Chase Dispute Dept. XXXX. I was given a temporary credit subject to investigation. 
The tickets never arrived by XXXX. Chase informed me that the investigation resulted in favor of Online Tickets because I received tickets. This never happened. I requested a XXXX Signed verification. Chase sent me a Proof of Delivery sheet indicating that the tickets were delivered to XXXX in XXXX, Illinois on XXXX/XXXX/2016. I know no such person. Chase said that XXXX probably gave the tickets to me. They also included an Order Review which they never read inasmuch as it said that tickets were for a Rodeo and were paid for with an XXXX CCard. I contacted Chase XXXX 4 times, in a totally frustrated state, relayed the info, and they stood firm. 
XXXX has no record of ticket delivery to me. I never attended the Concert. Online Tickets has no record of a ticket stub, which I 'm told is a requirement. I have contacted Chase, pleaded for logical conclusion, offered to takahe a polygraph test at my expense. 
I have forwarded this explanation and paperwork to the XXXX JP Morgan Chase Board of Directors with attachments. No response. 
The only rational conclusion I can reach is that there is a connection between Online Tickets and XXXX XXXX at Chase with whom I 've explained, shown evidence, etc., I have maintained a spotless, on time record with Chase and am so frustrated that it 's affecting my health.
Received an email from Western Union that money had been picked up on X/XX/17 in XXXX, Ga by XXXX XXXX. I immediately contacted western union. Spoke with XXXX. I informed her that I did not know this person nor did I send any money to anyone via western union. I  had previously sent money to my sons & always had problems each time. Those times I actually sent money were horrible experiences. I had to call both times previously & was on phone with western union too long. It was not easy at all to do money transfers for my sons those times so I told western union that I would not be using their services again. I asked to be removed from list. I did not make a transaction via western union since & will not. I again reported this fraudulent activity & told them to delete my information from their system. XXXX stated she had made fraudulent report. I asked that they not email me, requested call back. I may not check email daily & wanted to be updated on status of this fraudulent activity. I did not authorize this & therefore stated that money best not be deducted from any accounts of mine. I do not know this person & want to report western union for inappropriately transferring money without authorization from me.
This company continues to report this debt by passing it around to shadow companies they own. West Asset Management owns XXXX credit collections and they have resubmitted a collection to my account they removed from my credit profile. They did not send any notice or an explanation as required by law .... This is the same as this complaint with this agency. Case number : XXXX
Edit this section What happened? 
Requested more info on {$39.00} charge I did not recognize. INK escalated to fraud incident. Weeks go by I hear nothing. I ask of matter many times. They obfuscate, harass me with phone calls, interrogate me etc. They just notified me the account is closed. Wise guys, bad news. I just asked a simple question. Below sent to INK XX/XX/18 Never have I dealt with such incompetent malevolent people. KEEP THE ACCOUNT CLOSED AT MY DEMAND. The {$40.00} charge for which I requested information you have turned into a harassing witch hunt. ADVISE WHAT THAT LAST CHARGE WAS FOR OR REFUND THE CHARGE. AGAIN, AT MY DEMAND, CLOSE THIS ACCOUNT PERMANENTLY!! 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 







Edit this section What would be a fair resolution to this issue? 
Tell me what charge is for or refund charge. 
Step 4 Edit this section What company is this complaint about? 
COMPANY INFORMATION CHASE BANK CREDIT CARD CARD NUMBER XXXX Step 5 Edit this section What people are involved? 

YOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , Arizona XXXX United States AFFILIATIONS Service details Branch : XXXX XXXX XXXX Status : Veteran XXXX : XXXX - XXXX XXXX XXXX / location : XXXX XXXX The information given is true to the best of my knowledge and belief. I understand that the CFPB can not act as my lawyer, a court of law, or a financial advisor. 
You will not be able to attach documents or edit this complaint after you submit it. 
Please make sure everything is accurate and complete before continuing. 

Submit your complaint About us The CFPB is an independent federal agency built to protect consumers. We write and enforce rules that keep banks and other financial companies operating fairly. We also educate and empower consumers, helping them make more informed choices to achieve their financial goals. 

HAVE A QUESTION? XXXX? 
( XXXX ) XXXX LOG INTO YOUR ACCOUNT Want to check the status of a complaint you already submitted? 

Username Password Forgot password? 
Log in Privacy Act Statement OMB # XXXX Have a question? XXXX? 
( XXXX ) XXXX An official website of the United States Government
I apply for auto loan through XXXX XXXX company, I told the finance department that I want to apply only though XXXX bank, and I applied by my self oniline though XXXX XXXX XXXX. 
I found that they applied through XXXX bank, XXXX XXXX XXXX and XXXX XXXX without my permission, When I returned to them, they said it was mistake. 
How can I remove those hard inquiries that I did n't authorize.
I received an offer for refinance from Chase Mortgage in late XX/XX/2016 and on XX/XX/2016 Chase sent over a representative to execute a closing on their behalf. My wife and I signed all the documents and we thought we had just saved some money on interest and finally out of our modification loan. However, last Friday I received a package from Chase informing me that they would give me the opportunity to catch up on my loan? I called their customer service department and explained my situation and no one seemed to have a clue what was going on. After 3 hours on the phone with them, one of the service reps was able to figure out that my new loan was never processed and that i was still on my original loan with no changes made??? This is why i was late because one of their specialists told me to not pay my XX/XX/XXXX payment as i would not have a payment due until XX/XX/XXXX. I then reached out to the Title company and was told by XXXX ( XXXX ) that the problem stemmed from the appearance that i had two secondary liens when in fact i only had one but this stopped the process. Problem was no one at Chase nor the Title company informed me about anything and now I have incurred late fees and surely negative hits to my credit because of this not to mention the thousands lost by not being able to secure my new loan. I have been trying to reach the Mortgage Broker ( XXXX XXXX @ XXXX ) for several weeks and Chase keeps ignoring me. for what reason i do not know? I would appreciate some kind of restitution at minimum for my late fees and credit damage and to be honest the treatment from Chase is less than fair or caring considering i 've been paying them for more than 20 years. I think it 's embarrassing that a bank leave it 's customers high and dry no contact with such a serious mistake they have made by not letting me know the circumstances. It is extremely embarrassing for me and my wife to have to call in and pay back payments i should not owe and made felt like a nobody for non payment. This is ridiculous! what happened to Fiduciary duties the bank is supposed to have? I do n't even know what to do as the Bank I trusted wo n't even call me back?