WillisBack/dataset-financial-user-claim huggingface dataset:
American Express XXXX XXXX I called American Express and explain I had fraud on my account and because I was not paying the account because of the fraud I was waiting for the police report. They close my 2 account and took me to court and list my account in the credit bureaus as a negatively charge off. This charge is all fraudulent, but they would not answer or return any of my calls. I was with this company since XX/XX/2001 never late had no problems always paid on time. I need these charges remove of account and restored my account to full balance. The contract signed states Im not to be held reliable for fraudulent charges. Please provided a clear explanation and evidence of your decision. This account became fraudulent when my spouse that worked for XXXX XXXX past the same day my father past. I could not cope by myself in XXXX, so I move to XXXX XXXX to be close to family for support. My house in XXXX  was broken into and the police contracted me to let me know of the situation a lot was stolen including my identity among things. DMV have informed me that there are 2 other individuals in XXXX XXXX  has a copy of my Driver License. I have requested a copy of the information from DMV so that I can provide it to the bureaus, and I was told that it is against the law for them to provide me a copy of the information all the can do is informed me of the issue. They however stated that the company can request a copy of the information and they will send it to them directly.
I have written this company a second letter asking them to verify the original agreement and prove that I owe the debt, They have not done so.
On XX/XX/XXXX a inquiry was made by my ex wife and i had no knowledge or did i give consent until i gained control of my XXXX XXXX account
My loans were transferred to another loan servicer. Before my loan was transferred they were in deferment status. XXXX are still reporting on my credit as late and failed to pay even though they no longer own my loan. Those loans are still being reported negatively on my credit report for all three credit agencies. I called and emailed XXXX several times to no avail. These negative black marks has had a negative impact on my credit score and they are stopping me from completing the process of purchasing a home.
I disputed a fraud on my credit report through XXXX XXXX .I contacted u all and it was deemed fraudulent after u guys investigated it.I sent a copy of the message I got from the CFPB and sent it to Transunion and they are saying after their investigation its accurate.The acct was XXXX XXXX which was sold to XXXX XXXX XXXX XXXX.
XXXX XXXX says that there is an opened credit card with {$7200.00} balance. I havent had a XXXX XXXX card since 2004 and it was always paid off. Tried numerous times to get it removed. No response from company. Hurts my debt to income and credit score. Also XXXX XXXX XXXX put a 30 day XXXX payment on my credit, but they have over 22,000 points that would have paid that payment. Also, payment was automatically paid every month. Never notified of expired payment.
I have been attempting to obtain a loan modification for years. Recently, there was a sale put on my home which I had the sheriff push out two weeks twice as they will only push out the date for  two  weeks. However, Nationstar will not budge needing 37 days before the sale to review my request. I had submitted a complete application several times now and it is not getting reviewed.  <P/> . We purchased this property almost 38 years ago in  XXXX  of  XXXX . I always worked hard and was able to pay our mortgage and obligations on time. We originated this loan in  XXXX  of  XXXX  increasing our debt so we could make necessary repairs to the home and some upgrades. We fell behind in  XXXX  of  XXXX  after we had depleted our savings for months for legal and attorney fees for our son. Because of his legal issues, we have full custody of our granddaughter. Also, his wife and  XXXX  children had to move in with us having nowhere to go. Our monthly expenses tripled not only food but all utilities.   From all the stress over the past 4 years, I have had ongoing medical issues with  XXXX ,  XXXX ,  XXXX   XXXX   XXXX  &  XXXX   XXXX . I see doctors on a regular basis. All the copayments and monthly prescriptions have added to my increase in expenses as well.   Our property value was estimated at {$230000.00} and at this point with the arrears owed from  XX/XX/XXXX  , we owe close to {$440000.00} but please understand, we are now a family of  XXXX  living in this home and have all been through  XXXX  and back. After being here almost 38 years, to move would be devastating. We wish nothing more than to keep this home we love and need so much.
Chexsystem continues to report information on my Consumer Report after being notified its a result of ID theft and in violation of my request to block that information under FCRA Section 605B and 623 ( a ) ( 6 ). They responded that it was validated but how can an account that is NOT MINE and a result of ID Theft be validated????? I have never had a bank account in my entire life and use a payroll card for all my bills and finances.
I received a letter in the mail on XXXX/XXXX/15 from TRS Recovery Services and telecheck. The letter stated that I made a {$480.00} purchase from XXXX XXXX on XXXX/XXXX/2015 and then stopped payment on the check. The letter had " Notice of Unpaid Electronic Transfer '' at the top of the page. It read that the above referenced electronic transaction could not be completed because either I had stopped payment on this transaction or my account may not be authorized for ACH transactions. Telecheck has purchased this dishonored electronic fund transfer referenced. As a result, TeleCheck has forwarded the debt to its affiliate, TRS Recovery Services , Inc. for collection. Your file has been assigned to the Recovery Department where it will be given to a professional collection agent. It stated that I purchased an item in the amount of {$480.00} from XXXX XXXX and a check was written on XXXX XXXX, 2015 and a {$25.00} returned check fee was added. I do not have a bank account with the bank they are claiming it was written on, XXXX. I have not ordered anything from XXXX and I called XXXX and they verified that I had not ordered anything from them. I called TRS Services and after reluctance I gave them my current bank info, drivers license number, and social security number and they said that I had bought something an account from XXXX Bank. I have never banked with this bank. I went to XXXX bank on XXXX/XXXX/2015 and the bank verified that I did not have an account with them and that I have never used an account with them to purchase any items from XXXX, nor had anyone else committed identity fraud with my information. And they also verified that no one had ever opened an account in my name. I called TRS back and was hung up on XXXX different times by their representatives. I called XXXX back and was told to call TRS. Both companies, Telecheck and TRS Recovery Services have made an error and are refusing to rectify the situation. They are wanting me to get a certified letter from XXXX saying that I have never banked with them, and then send them XXXX pages of information including all of my personal banking information and a picture of my drivers license. It should be up to this company to fix this. I have not ordered any items from XXXX as verified by XXXX and I do not have an account and never have with XXXX bank. I am having a hard time even understanding how Telecheck says that a transaction occured with an account from XXXX when their has never been an account in my name with said bank and also how a transaction for {$480.00} of products were bought from XXXX when XXXX verified to me that the transaction never occurred. I did not order from XXXX and I want to know how and why this company has my information and are making false claims and threats against my character and my credit. I do not know if I can file a police report because no one has used my identity because there has never been a XXXX account in my name and no items were purchased from XXXX. This company needs to be stopped!
This complaint is about maintenance fee being charged on checking account by Bank of America. Recently, since last 2 months or so, BOA changed how to charge maintenance fee. Checking account information clearly mentions that a monthly fee will be charged for checking account if average monthly balance is less than {$1500.00}. However, since last 2 months, BOA has started charging monthly fee when bank balance is less than {$1500.00} even for one day and your monthly average balance is more than {$1500.00}. When you complain, they will give you credit but have not changed their method/algorithm to calculate monthly fee.
Portfolio Recovery continues to contact me. They do not leave a message. I was involved with a class action suit with Portfolio Recovery that was settled a few months ago. I have filed a complaint against this company a few months ago and the calls have increased and they call from different numbers in different states. This harassment needs to stop. I do not owe this company any money. My last complaint was also for them pulling my credit without my authorization.
I believe I  was one of the people affected by Navient 's deception with their student loan borrowers. I did n't receive timely informatio n about renewing my income-driven repayment plan, and they kept sending messages through their secure website which I struggled to find and log into and then you have to have a PDF reader to even open them. This caused me to not meet the deadline to re-apply for my income based repayment plan and my loans jumped up hundreds of dollars. I also do n't believe they allocated my payments correctly because it does n't look like anything went towards the principle. All payment we n't towards interest and yet my interest was still climbing. I believe they deceived me in my income-based repayment plans because they had my monthly payments at {$0.00} at one-time but they did not allow me to make any payments since they showed that {$0.00} was owed each month. So my interest continued to accrue but I was n't able to make payments. Then when they did show that I owed, they would n't let me pay more than what the monthly amount was owed so I was never able to pay off more every month so that I could work towards getting my principal and interest down. When I called in they tried to get me to take the forbearance plan so that I did n't have to make any payments but I told them the issue was n't that I could n't make payments but that I could n't afford the hundreds of dollars a month they wanted me to pay.
This company/attorney is trying to refile a judgement that is XXXX years old and was from a repossessed vehicle that was surrendered. Received a letter that was not dated. stated it would be refiled if not disputed in 30 days. Went to the XXXX County courthouse and they claimed I had to hire an attorney to file a response to the judgement and would not allow me to represent MYSELF. The judgement has already previously been removed from my credit per the statue of limitations and the FCA
I attended XXXX ( XXXX in XX/XX/XXXX-XX/XX/XXXX ). I was asked to leave the school because I challenged the lies they told us about credits transferring, job pay rates after graduation and their methods of teaching and testing. I contacted Navient to being able to stop having to pay for this loan. I submitted paperwork they sent me and I was denied. I was clearly harmed by XXXX and lied to. I was again forced to leave the XXXX, Ohio location by an XXXX, XXXX XXXX. Not only was I denied relief from this loan, but was forced into forbearance.
I initiated contact with the lender to set-up a payment. My account is past due b/c I lost my job, and am unable to make a payment. When I contacted them, I attempted to set-up a payment for Tuesday, XXXX XXXX, 2015, when my unemployment benefits are made available to my account. 

She began harassing me - asking me for the balance of my checking account ; asking me how my account has {$0.00} available instead of a negative balance ; then telling me that i 'm giving her orders. 

Despite my attempts to set-up something to make good on the loan, I was unable to speak with someone who would work to resolve this issue with me. 

I believe harrassment of this type with borrowers is unfair, and that when borrowers who are trying to fulfill their obligations, despite their unfortunate circumstances, should not be subjected to this kind of bashing.
I first contacted TransUnion about the unauthorized inquiry. They informed me that I need to get a police report if I did not authorize the inquiry and to contact the actual company who placed the inquiry. I went to the police department and I have attached the document that I was given. I faxed over the information they requested just to be told that it was not good enough they needed an actual report. So unknowingly I called the police again and tried my best to get an " actual police report '' that they requested. Only to be told numerous times that they do not give actual police reports for this type of matter, only for car accidents. I added the card of the police officer whom made the report only to be told that they ca n't contact the police.Next I contacted XXXX XXXX XXXX the company who actually placed the inquiry on my credit only to be told that it was nothing that they could do because they received the authorization through XXXX XXXX XXXX even after I expressed to them that it was not me. I next tried calling XXXX XXXX XXXX multiple times leaving many messages unable to get anyone to assist me.
Dear CFPB : I am trying to Refi to consolidate my debts so I can only have one payment : home mortgage. 
Company : J.G. Wentworth Date : Wed, XXXX XXXX 2017 XXXX XXXX PDT From : XXXX XXXX ( my loan officer / LO ) To : me ( my email ) Subject : Update on your home loan inquiry After this only one and initial contact, I could never contact my LO again.
I left her emails and vmails but to no avail. 
I have NO idea where my loan is standing. 
I have to go to her Supervisor to obtain the Appraisal Report that I paid outside of closing. 
I think there is something " fishy '' about this LO. Why do you have to hide from me, your customer??? ( figure of speech ) Please help. 
I have NOT signed the closing paperwork yet, and I have the 3-day Rescission period to protect me, a borrower.
May I ask you to intervene to find out why I am being left stranded.
I will look for another company to Refi. 
Thank you very much, sir/ma'am, s/Borrower PS : to all borrowers out there, please DO NOT GO TO J.G.WENTWORTH TO OBTAIN A LOAN. SOMETHING " FISHY '' IS GOING ON WITH THIS COMPANY.
On XXXX XXXX, I made a withdraw from prosperity Bank for a little over XXXX dollars I believe. After my withdrawal I received my account Balance with a lower balance. Which was ok. I was expecting another direct deposit that day from my second employment. On Sunday XXXX XXXX XXXX, my Balance reflected as a little over XXXX dollars. I went ahead and did some transactions. Mid Monday XXXX XXXX my account was negative. I was confused and frustrated. I have paid so much money in fees especially overdraft fees with prosperity Bank. The bankers are not helpful and can never answer questions. I always have issues logging online to view my account so I can better manage it. I am always calling customer service with no successful results. I keep paying fees that could be avoided if only I can get help. Its frustrating and I think this Bank is not trustworthy. This is why the cfpb was created for banks like this. Do n't open an account with prosperity Bank.
Capital One Credit Card failed to disclose that the New Balance figure on the statement was not the correct pay-off figure when the O % Intro APR offer was ending. They failed to disclose that the printed statement due by date was not applicable to the 0 % offer due date of the statement period. They failed to disclose in any email, phone call or even list on the statement the end date of the Intro Offer so the consumer could pay in full the balance before the actual due date and avoid an interest charge on the next statement even when it led to a XXXX balance in the account in the period. 

I had paid off the entire new balance of XXXX before the due date of XX/XX/, 2019 on the statement. They then proceeded to charge me interest of XXXX on the next statement. 

When I called and spoke to XXXX she refused to credit me back this interest even though there were no other changes on the account and my credit rating was over 800 as well. 

I have other credit cards with special offers and they always list the date that special offer will end so that the consumer my pay off the balance before the offer ends. 

This is deceptive practice on part of Capital One, they could do what other credit companies due and disclose the actual date lined out on the statement, not show 0 % in the statement when it really is not 0 % interest to pay by the due date.
Equifax is reporting two addresses I never lived at and would like removed from my file. XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX I never lived at and XXXX XXXX XXXX XXXX XXXX New York XXXX
I sent 3 letters so 1 letter for each bureaus XXXX XXXX and transunion in the letter I sent it states that I want proof that the debt supposedly I owe is mine so I'm asking a signed contract with my name on it i want proof if they dont provide the proof witch they are suppose to have then they have to delete it right? I sent my letters back in XX/XX/2018 and havent heard any response or updates to my credit report.
I submitted a claim against QCWEN, the same outfit you appointed as ombudsman to manage recovery funds for individuals damaged by QCWEN et al. Ocwen refused to communicate but later they told me they had no proof of my standing on home I inherited from bu deceased son. Even though I provided court documents whereby I was appointed executor they still refused to provide ANY data or information on the home I became the owner of by court order. Its been yet another year later and QCWEN continues to advise my status for ferund of damages I incurrered. CFPB, in fact has been advised of this numerous times and all I get is rejection. I am XXXX, XXXX vet who will no doubt predecease any recovery. My question is WHY DOES CFPB NOT POLICE THE OMBUDSMAN THAT CFPB APPOINTED TO LAWFULLY DO THE JOB IT HAS BEEN ORDERED TO DO? I have been failing at every trun to gain assistance on this, the earliest matter OBAMA charged XXXX XXXX to police? Why does CFPH ignore my ongpong requests for help? 
Regretfully as I write this I seriously doubt I will obtain any help from CFPB, but I will die trying. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have federal loans through Navient and have tremendous problems with them! I actually had to contact a lawyer because navient has harassed and threatened my father who co signed for me and myself! Telling us we need to grow up and pay the full amount on the loans, which I then explained I could n't afford because I was unemployed because my degree was worthless! I graduated from XXXX XX/XX/2012 and was objectified by that school. They took out XXXX different loans in my name that I had no idea would happen! Navient has caused my fathers health to XXXX by the harassing phone calls and threats! He had a XXXX because of it! I want them to stop!
I called Transunion twice to talk to someone about inquirys on my report. Im trying to understand why all inquirys was removed from my report when I checked. I pull my report and transunion has reinserted what they previously deleted. This is a breach of FCRA 611 5 ( B ). I didnt recieve any notice in the mail, email, or by phone of anything. And the representative would not help me and explain to me why this happen. I listed all inquirys below XXXX XX/XX/XXXX XXXX Misc XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
In XX/XX/XXXX I paid off a debt to XXXX XXXX XXXX that originated with XXXX XXXX for a XXXX Credit card. The Balance that was due was XXXX, I set up an arrangement with the creditor to automatically deduct {$220.00} from my account on XX/XX/XXXX and another {$220.00} on XX/XX/XXXX to pay of balance and fees that were included. Recently I began to receive collection calls regarding this debt from XXXX but they are saying that the original creditor is XXXX, I explained to the rep that I no longer owe the debt and that it was paid through another collection agency. I recently sent a letter including proof of payment to XXXX but they are continuing to say that I owe the debt. I tried to reach out to XXXX XXXX XXXX and the phone number is disconnected.
On XX/X/17 I received an email from LendingPoint LLC stating that my application for a loan had been denied. The email contained numerous pieces of personal information including my name, home address, and credit score via XXXX. I have never sought a loan from this company and have never authorized any hard credit pull of my account by them.
I double payed my American Express account on XXXX/XXXX/15 and XXXX/XXXX/15 in the amount of {$3000.00}. I called immediately on XXXX XXXX, and was told money would be wired back in 24-48hrs. I waited until XXXX XXXX called back they said it should have been done - they will look into it, give it a few days. I called again on XXXX XXXX, was told that a letter was sent out that name on bank act and credit card act did not match and money could not be wired. I confirmed names matched, and was told that money would be wired Thursday XXXX XXXX because of XXXX. XXXX XXXX I called and was told money was adjusted off my credit card and has a wire is in process give it until Fri or Monday. Checked Monday XX/XX/XXXX..no money. I called back they said they would send a inquiry to wire department. XXXX XXXX i called my bank they said to ask AMEX for wire confirmation and that is when i was told money was wired into a XXXX act. NOT MY ACCOUNT. Now no one returns my calls. Now they say it was n't my money posted to my account. All of the sudden they said they have no proof it was my money paid twice. Now I am getting run around. Everyone says they will call me but no one is calling me back. They have had my money for over 2 weeks. I have bank statement proving it was my money. Now AmEX says they need to investigate and it could take 8 weeks. I can not wait 8 weeks and its my money anyways!. I explained that they should refund my money and they can investigate and get the money back from the other customer on their own time. No one is goving me any real answers - they just say they have no authority but will not let me seak to someone who has authority.