WillisBack/dataset-financial-user-claim huggingface dataset:
My previous CFBP complaint was closed prematurely even after I informed CFBP that the response that Nationstar submitted was not sufficient and that they submitted fraudulent document ( s ) to CFPB in an attempt to prove their response was correct. ( See attached CFBP case number ) I provided the proof then and I now have additional information. I have continued to investigate, I am continuing to uncover more evidence which proves that Nationstar fraudulently submitted documents to CFPB and XXXX XXXX XXXX XXXX that resulted in a foreclosure decision in which Nationstar and XXXX  XXXX XXXX were able to still my home. ( See Attached assignments ) As of XXXX XXXX, I am now homeless and I need to continue to have this issue investigated and resolve. Attached are fraudulent assignments from original " lender '' which the entity was no longer in business when Nationstar documents were created. In addition, XXXX XXXX XXXX Mortgage did not assign the note to MERS or any trustee as shown in paragraph 24 of the deed of trust ( See attached ). Thank you.
Wells Fargo is still reporting a old debt that doesnt belong on my credit report. This is too old to be filed and needs to be removed. This dates back to 2009 and needs to be cleared ASAP Additionally the Wells Fargo Account is being posted twice on all my credit reports when it is only one account
I was a victim of identity theft, and there was a bank inquiry from XXXX XXXX on XX/XX/2018. That I'm trying to get removed off my credit report and XXXX file - that caused an incorrect address on my personal file to appear from this XXXX XXXX inquiry. 

I have tried calling XXXX XXXX branch where the inquiry came from. I called the branch more than one time to try and resolve this as well as the fraud hotline. Nothing has been resolved. I have supplied documentation of what is on my credit file. On XX/XX/18 when I talked with the XXXX XXXX at XXXX XXXX - XXXX, he says there is nothing that they can do on their end. 

I talked with XXXX XXXX, and XXXX ( Branch Manager ) to resolve this issue at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX I want this issue resolved, want the inquiry removed off my credit report. I'm more than happy to supply copies of police reports, other documentation to support this. 


Thank you!
60 days ago, I sent an investigation request to Experian. They are supposed to respond with the results within 30 days, but so far, I have not received anything.
I had filled a resent complaint against Bridgecrest and you can look it up since than I have had nothing but trouble getting documentation form them stating where I signed stating that when they bought my defective vehicle back from me I wasn't entitled to any of my payments back for not selling myself defective car they did. If it isn't written down I'm owed that money back XXXX XXXX
I requested forbearance due to losing my job, a few times, and rather than stop payments, like other companies did, they continued to add on the balance of the payment, not simply interest. They also made me pay {$50.00} on 3 occasions.
I have a business credit card with Citi bank. Under the business credit card, I added two employee cards. One of the employee cards was charged XXXX XXXX by XXXX XXXX XXXX on XX/XX/XXXX for a service that they never rendered to our company. On XX/XX/XXXX I called citibank customer service to dispute this charge. The representative who answered the call issued me a conditional credit of XXXX XXXX and told me that the bank is going to run an investigation. Since then, I 've never received any correspondence from Citi. On XX/XX/XXXX, I logged into my online account and realized that Citi reversed the conditional credit of XXXX XXXX on XX/XX/XXXX, without informing me in any way. When I called the customer service, I was advised that because my dispute claim was made on XX/XX/XXXX,  which date is more than 120 days from the initial transaction posted date, there is nothing Citi can do but to charge me the XXXX XXXX. However, a few issues needed to be discussed here. First, the dispute was made on XX/XX/XXXX, when the conditional credit was posted to my account, instead of XX/XX/XXXX. Citi insisted that the dispute was made on XX/XX/XXXX. I would like them to provide proof of such claim. The dispute date makes a big difference here as XX/XX/XXXX falls within the 120 days period to make a dispute, but XX/XX/XXXX does not. Second issue is the first representative who accepted my dispute on XX/XX/XXXX NEVER EVER advised me on this " 120 days period ''. Rather, he advised me that Citi will run an investigation in this matter. It later turned out that Citi did n't bother to run an investigation. Instead, they changed the date of this dispute and simply set a date that falls a few days out of the " 120 days period ''. As a business customer, I feel that Citi does not care about their customers ' benefits at all. They have really lousy representatives who give wrong and contradicting information. Lastly, I spoke with a supervisor at billing dispute department on XX/XX/XXXX. Instead of listening to me, she simply told me that I should refer to the statement I received for dispute policy. However, what matters here is not what I know. What matters is what CITI 's representatives know and inform their customers accordingly. Citi simply does not care about their customers at all. 
Therefore, for issues stated above, I hereby make the following requests : 1. provide proof that my dispute date is XX/XX/XXXX as claimed by CITI 2. I need a written apology from CITI for all the troubles they made me go through and a written explanation from CITI in regard to the unprofessional-ism of CITI representative for failure to inform me of the 120 days rule, if truly existed. 3. Honor my dispute of the XXXX XXXX charge and credit my account accordingly. Thank you.
Different people are using my information to get health care insurance. They are being allowed to be seen by different doctors. Get prescription medication/drugs, XXXX XXXX, and other controlled drugs in my name. I 've told XXXX the address on my report is incorrect. My date of birth, all of my former employers have been changed. Someone have placed a seven year fraud alert on the fraud information. I ca n't do anything online, because they 've placed a monitoring service on my social security number. I need an address for XXXX to mail my information to. I 've changed the spelling of my name with probate court. My drivers license & social security card shows XXXX XXXX XXXX.
I tried to pay my on my student loan for XX/XX/XXXXat the beginning of XX/XX/XXXX. When I went to pay online it showed my loans were in forbearance. I called Navient and they told me that because I was in a natural disaster area that all loans were put into forbearance. I asked for it to be removed so I could pay on my loan. The gentleman instructed me that they could take off the forbearance but my first payment would not be due till XX/XX/XXXX. 

I kept getting calls from Navient asking me to pay throughout XX/XX/XXXX. I spoke a second time to Navient 's customer service and they said someone would listen to the recorded call from the previous conversation and get back to me. No one got back to me. What they did do is call me again and again asking for me to pay all of my past due balances. 

Our third conversation for the month of XX/XX/XXXX a manager got on the phone and said there was nothing she could do. I find this unacceptable. I followed their instructions on waiting to pay in XX/XX/XXXX yet I kept getting harassed with dozens of phone calls. They could have just said " just pay in XX/XX/XXXX '' as was originally explained to me on a recorded line. 

I'm the one that asked to have my loan taken out of forbearance so I could pay on it. I followed their instructions but yet somehow i'm the one at fault here. Their business practices are terrible and they offered no consolation here for their mistake. 

I went ahead and paid everything they asked me to ( plus a little extra ). I fixed things as they instructed, but I feel they need to make this right with me. I'm sure i'm not the only person they have done this to over the years.
On XXXX XXXX, 2016 I went to XXXX XXXX and negotiated a lease for a XXXX XXXX. I signed the contract with them, they delivered the car and assigned the contract to VW Credit XXXX, XXXX On XXXX XXXX the dealer contact me asking more information, which I provided to them. Latter they contact me again because they want to change the contract, but I do not want to change it. I need to pay the first installment and VW Credit do not have me in their system, so I am not able to do it. I contact them and they referred me to the dealer who is harassing me with calls and mails because they want to change the contract.
Arvest Bank charged me a {$10.00} late fee when I was only under {$6.00} on my payment and it was actually not late. It was received well before the due date of the XXXX of XXXX. I have since been unable to reach any representative to get the {$10.00} fee waived. I have been put on hold multiple times for over XXXX minutes each time in an attempt to reach a specific person who might be able to waive the fee but it was never promised that it would be waived. The reason I bring it up is because there have been XXXX separate occasions where representatives stated that since I paid ahead by several months ( I pay {$200.00} a month when my payment is {$160.00} per month ) I could pay whatever I wanted even if it was under the monthly payment of {$160.00} and I feel that the bank representatives have misrepresented the information to me as a consumer.
This lender keeps contacting me about a closed charged checking account and false reporting on my XXXX credit report.
this ripoff loan company named big picture loans run by some XXXX tribe some where is sending me these pre screened offers every week even though I have opted out at all 3 credit bureaus 4 different times in one year. I have constantly contacted these people to take me off there mailing list and they always tell me that they do n't have to go by gov regulations because they are a federally recognized XXXX tribe. I do n't believe that to be the case. any one that would get a 843 % loan from a XXXX tribe is out off there mind.
Receivable Management Group , Inc. 
XXXX XXXX XXXX, # XXXX, XXXX, Ga : Agent XXXX XXXX, is doubling multiply provider accounts into XXXX account and listing as total debt under XXXX account, i.e. XXXX, XXXX XXXX XXXX statement dated XXXX/XXXX/15 {$560.00}. I called XXXX XXXX XXXX asking how can this be. They have no record of owing no more than {$39.00}.
Diversified consultants placed a collection on my credit report for XXXX for XXXX XXXX XXXX return equipment fee. XXXX lost the equipment but found it when I called with a tracking/reference number from XXXX. XXXX agreed to remove the charge from my bill. I have since had to call several times about the matter and can not gain any resolution.
There are two accounts that do NOT belong to me which are XXXX/XXXX # XXXX XXXX XXXX # XXXX  I am NOT liable for these two accounts these need to be removed off of my personal credit file.
I have a loan with Lending Club. I was informed that I habe the ability to change my due date which I atrempred to do online. After making the change a enaul waa sent to me stating that because of the requested change that 2 payments woukd come iut of my account in one month. That made no sense to me at all so I contacted the agency on XXXX XXXX for clarification but after 30 to 45 minutes on the phone wuth the representative I had not accomplished anything so at that point I told the representative that I wanted my payment to remain as is with payments coming out on the XXXX of the month and he asked me was I sure several times and I said yes and he said ok the payment would come out on the XXXX. I thoght everything was taken care of until I started to recieve phine calls from a XXXX area cose this week to finally I was able ti acceor the call today XXXX/XXXX/17 and the representative stares that they were calling about my payment annd I was within my grace period. This is an unlawful practice because my account was comprimised and slated to have two payments come out of my account in XXXX/XXXX/17. Please have the employee and company reprimanded for this. Something needs to be done I feel violated.
I hold a lease with Chrysler Capital ( Santander Consumer USA ), which began XX/XX/XXXX. At the time, I opted to have auto withdrawal payments from my XXXX checking account, as a matter of convenience and guaranteeing timely payments. XX/XX/XXXX, I received an alert from my credit monitoring agency that I had a negative alert from Chrysler Capital, stating that I was 30 days past due on a payment. After doing my due diligence, I confirmed nothing had changed with my XXXX account, sufficient funds were readily available, and Chrysler Capital never attempted to withdrawal the XX/XX/XXXX payment of {$420.00} from my account. 
After contacting Chrysler Capital numerous times and being transferred to multiple departments, I received the worst customer service and treatment. I was told it was not their problem, and while they could confirm I did not cancel my auto withdrawal they said " its possible just by logging into your online Chrysler account you cancelled it '' ( I logged in as soon as I saw the negative judgement on my credit report, and my Chrysler account itself said and still says im set up on auto withdrawal ). Chrysler said they will not take back the negative judgement on my credit report ( my credit score and report have been without any flaws or judgements my entire life ). Now My credit score has this mark, plus has dropped XXXX points as a result. I confirmed through my original lease, CC 's Ts and Cs and their own website that the only way to cancel your auto withdrawal is to send a written confirmation to them, which I never did. I did not want the auto withdrawal to stop ... this was an error on their end that they are penalizing me for. 

I need help, and cant get it from them ...
XX/XX/18 Santander Consumer reporter my auto loan past due 90 days. It has cause issue with my credit report my credit score has fallen 50 points for this error.
Coinbase Case ID : XXXX My XXXX BTC has been awaiting approval from the coinbase vault to the main wallet since XX/XX/17. Actually since XX/XX/XXXX but i cancelled and retried again.
I called Chase on XXXX/XXXX/XXXX at XXXX XXXX time to close my credit card account. After a 45 minute phone call, talking to numerous departments and supervisor, they refuse to close the account. Even though they say the account is closed, they will continue to accept charges on the account that I am liable for. The account is not closed if they continue to allow activity on the account. 

They say that this is for recurring charges, with a prior authorization. They say that a contract is in place with the vendor they must honor. However, I never signed a contract with any vendors authorizing them to charge my credit card indefinitely. Chase refuses to honor the contract I have with them as their customer to permanently close my account.
XXXX XXXX XXXX is an unauthorized inquiry. Please remove within 30 days.
I reported an error committed to my account by western union on XXXX XXXX, 2017. I have reported this to Georgia Department of Bank and Finance as well as the Federal Protection Department. They suggested I report to your department as well. It has been 8 days with no response from your company except for refunding my account XXXX. I have called and I have emailed with no response from your company I need help, I started a money transfer with western union. How ever I received an error message. That said it was not completed and to try again later. So I did try again later and it went thru. Western union how ever sent the money out of my account 2 times causing my account to go negative. I have been told by 8 different people that I am not going to get my money back because the bill payer is not releasing the funds. However Western union is responsible for their system sending it in the first place. Case number XXXX in the amount of {$200.00} please read the email below. I am getting the run around and I do n't have funds to cover all the cost. One supervisor told me that yes it was an error of western union and regardless of bill payer not releasing the funds that I would get my money back in my account before XXXX XXXX, 2017. They are giving me a run around that I am responsible for the transaction that their system gave error message. I have contacted western union 11 times and no one has told me a thing. XXXX XXXX, 2017 the money is not at XXXX XXXX either. XXXX has not received the money and neither have I
I had used my credit card for many years. paid monthly. faithfully the minimum due. Health issues and lack of employment was not allowing me to make the minimum monthly payments anymore. i tried to call them and get them to understand i could no longer pay the bill. they stopped contacting me and suddenly i am now facing a Court Hearing regarding the debt. i still have no real income and have no idea how i can pay any of the debt. i paid for many years the minimum payment and honestly ... the minimum due paid mostly interest on the debt .... with about {$20.00} going toward the actual debt of the credit card. I am not certain if you can help me. but i am going to be asking for a 30 day extension on the court hearing, so i can better prepare for the case.

PLEASE NOTE : The attorneys for the company keep reassigning the case to a different attorney in the firm. and when i do try to contact them, the only reply I receive from the attorneys office is from an outside ( non involved ) paralegal. Nothing ever gets resolved.
I had charges from XXXX in my bank statement from XXXX/XXXX/XXXX monthly thru XXXX/XXXX/XXXX the amount initially was {$12000.00} and the highest charge is {$150.00}. The total charges were {$1300.00}. I contacted the Bank and they contested the charges. The Bank representative indicated XXXX did not dispute the charges and credited back {$410.00} based on the 60 day liability but they recovered a bit more. The debit card in question had the XXXX charges and XXXX other charge for it 's life. I have never had insurance with XXXX. XXXX identified the account in question with the bank card number. XXXX would not assist me for confidentiality reasons even though the representative could see that the account was issued to another person. 

What are my options to have address fraudulent activity when the Bank and XXXX say have done all that they can do?
Ditech -- and Green Tree before it -- is nothing more than a collection agency masquerading as a mortgage lender. Somehow, my XXXX XXXX XXXX mortgage loan was moved to Green Tree ( later known as Ditech ). The company policy of harassment was constant and their accounting always suspect. 
My complaint now is that I ca n't get Ditech to send me my escrow refund following the sale of my house. The company HAS sent me documentation that my transaction was settled and approved and that I was due an escrow refund, which they claim they have sent. There are numerous complains posted online regarding Ditech 's " check-must-be-lost-in-the-mail '' excuse, which is exactly what I got. I was told I would have to wait 30 days to request a replacement check, but now my requests are seemingly being ignored. 
I have filed a complaint with the Texas XXXX and will also file complains with the XXXX and any other agencies which might help resolve this matter. 
Although, there 's more to this than resolution. This company represents the worst in business models and business practices. And, apparently, there are limitations in the degree of punishment they can be assessed for their practice of delinquent escrow refunds. 
I feared/expected " more-of-the-same '' treatment from Ditech, even after ending my business relationship with them. And more of the same is what I got.
Received letter from XXXX XXXX, XXXX on behalf of Bank of America. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX could not provide debt validation. The situation was a nuisance and we settled via a stipulation for {$2500.00} with XXXX. XXXX XXXX did not disclose to us he was working with XXXX XXXX XXXX - a debt collector law firm. XXXX XXXX XXXX never provided any information to us via the FDCPA. We were completely unaware of their involvement in this matter until an email was sent to us by mistake on XXXX indicating they were in fact acting as an agent for Bank of America.We then contacted Bank of America , XXXX XXXX , CEO and were directed to a XXXX XXXX after many communications XXXX XXXX indicated this evening we were out of luck. The stipulation was signed # XXXX, it did not matter that the collection agent XXXX XXXX XXXX was not disclosed to us. When I asked for debt validation he said the " statute of limitations had run out '' and " he was unable to provide the validation ''. It did not matter as we signed # XXXX on the stipulation. I indicated to XXXX XXXX had any of this been disclosed to us we never would have entered into a stipulation. Had we known XXXX XXXX was involved along with XXXX we would not have agreed to any of this with Bank of America. There was deception in the lack of disclosure to us by Bank of America, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX was clear it would be punitive measures on our credit report as well.
Reverse Mortgage Livewell Financial XXXX Mi. Money I got advanced for equity was used, owed some county taxes that did n't get paid. They said sent notices about them, and then sent notices for foreclosure, didnt receive. They fore closed XXXX,2017.
I applied for a student loan in XX/XX/XXXX and was approved in XX/XX/XXXX for income based repayment. my payment was for XXXX . every month there were issues of the repayment not being applied to all of my loans, building interest on forbearance. this has happened many times with in 1 year. then they had me repay the loan and make payments out of the blue. when I call I am assured everything is fine. I am again being charged too early for my repayment plan. I am tired of the lies and the extra interest this company is making off of me for their errors. that is fraud. I have just renewed my repayment plan last week as I was told it renews in XX/XX/XXXX. I am being charged as of XX/XX/XXXX. I call all the time to correct the problems and they tell me its all fine but it never is and I am not happy.
I went to Bank of America at XXXX XXXX XXXX XXXX in XXXX, TN XXXX to follow up on a service charge refund and the manager, XXXX, violated my privacy by calling out my account balances in the lobby where other customers were waiting to be seen. She also talked down to me because of what I was inquiring about as well as tried to tell me how to do my personal job and that I was doing it wrong in front of other customers. She was disrespectful, extremely unprofessional, and told me to close my business account because it was n't being used in the way she saw fit. She closed the account without any verification of who I was or without my signature. I had to go to another branch to open the same account in which she had closed with no written permission. She made me very upset to the point where I was being bullied into closing my other accounts and wanting to change banks entirely. She interrupted me many times to give her input on what she thought I was going to say.
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank You