WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX/XXXX was included in my husband 's bankruptcy case. A discharge was ordered. I have reached out to the company in attempt to have them correct my credit report. I 've written several letters requesting XXXX XXXX to correct the negative remarks on the credit bureaus and close out the case as it was discharged. XXXX Bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. XXXX XXXX has my credit bureau noted as a charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with XXXX XXXX I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided. It is very suspicious also in their reporting. XXXX XXXX started reporting me late in XX/XX/XXXX ( almost a year after the bankruptcy discharge ) then continued to report late every month until XXXX - XX/XX/XXXX. Then bank late from XX/XX/XXXXXXXX to present. During the months where they report current in XXXX, there was no communication with XXXX XXXX. Why would they report current for some 5 months and then late again. No written communication from XXXX XXXX has been received since the discharge. My attorney stated that XXXX XXXX was subject to Louisiana Civil Code 3494, action on open accounts ( credit cards ) are subject a 3 yr liberative prescription period. The notation of current payments would break the 3 year period for them to continue to misreport to the credit bureau. It is my belief XXXX has misrepresented information in my credit bureau intentionally. Not to mention their breach of adhering to bankruptcy laws in a community property state. In the state of Louisiana, if only one spouse files for protection the non-filing spouse will also benefit by the bankruptcy since the discharge of debts includes community claims and prohibits creditors from proceeding against community property acquired post - petition, even as against non debtor spouse. 11 U.S.C. 524 ( a ) ( 3 ). Copies of the letters mailed along with discharge papers will be attached. I have disputed the information in all 3 credit bureaus. The bureaus indicate the information is reported correctly-consumer disputes.
NFCU Mortgage and XXXX Insurance Section sent XXXX threatening letters regarding Master Flood and Master Hazard insurance on the condominium we own. The letters inferred that we ( the XXXX ) did not have insurance and I / we ( the owners of unit XXXX ) did not provide proof, NFCU would buy the insurance at an additional cost to us ( the owners ). Upon investigating this allegation, we contacted the XXXX insurance company and quickly resolved the situation. The NFCU Mortgage and XXXX Insurance Section could have performed this task just as easily,,, but was either too lazy or incompetent to execute the task. The letters as written are not customer friendly, ,in fact they are downright insulting to any long term member ( 20 years ).
I had a XXXX account opened XXXX/XXXX/XXXX and closed around XXXX XXXX. This account was closed because of fraudulent charges. At this present time the creditor is reporting my account as Charged Off. I called several time to rectify the situation and the Supervisor continue to state that they will correct and update this information through the credit bureaus. Once again they continue to apologize for they mistakes.
DISCRIMINATION AND UNFAIR BANKING PRACTICE On    XXXX   XXXX   XXXX      my wife and I applied for a mortgage loan through Navy Federal Credit Union. Within  48 hrs., w e submitted all requested and required documents to the bank representative who scanned them through their electronic portal.  <P/> Despite our A+ credit worthiness, income, employment stability, and demonstration of our qualification, the bank has continued to delay our preapproval by profiling us, and discriminating against us while using unethical banking practices, and insisting we  apply for an FHA loan, oth er loans, and loan terms that are a disadvantage to us.  <P/> We have contacted the bank representatives countless times to obtain the status of our application but we continue to receive unusual delays and responses. We even escalated our concern to a supervisor only to receive more excuses, delays and unusual requests and responses.  <P/> We 're about to close on our existing home and we have found a home that we 're interested in purchasing, but  NFCU  could care less that their delays will force our family to endure unnecessary hardship and homelessness.  <P/> We are appalled that this conduct and practice is allowed to exist. We are seeking assistance on a resolved end to this madness.  <P/> Please contact us at  XXXX  or  XXXX  XXXX  XXXX  should you need additional information.
My complaint is about the charge back process, which favors merchants and does not provide enough protection against fraud. 

In XX/XX/XXXX, I rented a car and was charged a {$200.00} security deposit, which went on my credit card. By XX/XX/XXXX, the funds had not been refunded to my card, but there was no reason for the merchant ( the car rental company ) to keep my deposit. Attempts to contact the merchant were unsuccessful, so I issued a chargeback with my credit card company ( Citicard ). The merchant disputed the chargeback in a salacious manner, accusing me of trying to steal from them. I contacted my credit card company again, and they told me that I had to provide a valid credit slip from the merchant in order for the credit to be issued. This is problematic, as the reason I disputed the charge in the first place was because I could not contact the merchant to get an answer! I requested a " valid credit slip '' from the merchant three times, and each time was provided something that the credit card company would not accept. As a consumer, I was unfamiliar with what a " valid credit slip '' was and I had no way to force the merchant to provide me the correct documentation. After all, they already had my money. By the time they finally provided the correct documentation, too much time had passed in the chargeback process for them to intervene anymore. I now believe that the delay tactics were intentional by the merchant so that the chargeback would be unsuccessful and they could keep my funds. 

My complaint is that the chargeback process is set up to favor merchants, not consumers. I use my credit card because I believed it offered certain protections, but I do n't feel like those protections served me here. I was told by the credit card company that, per chargeback rules set by XXXX, after the dispute is made, ANY response from the merchant means the issue is sided in their favor. Even after I provided ample documentation proving I was due the funds ( including a signed letter from the company ), they were unwilling to assist me. The merchant is now refusing to return the funds via another manner. I 've already reported them for fraud, but I am making this complaint because i believe the chargeback process does not provide enough consumer protection.
This inquiry could stay on your report untilXX/XX/2020. 
See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX, NC XXXX ( XXXX ) XXXX I never opened a loan with wells fargo. This hard inqury is incorrect and should not be on my report.
1. XXXX pulled my credi three times - I never gave permission to " XXXX XXXX '' Nor did I give verbal, written or any permission to RUN MY CREDIT!!! 

I Did not give Equifax permission to run my credit nor did I sign any documents or paper work, They are REQUIRED to remove these Hard Inquires within 30 days. I do not know them nor have I EVER spoke to anybody from XXXX, XXXX XXXX XXXX and or XXXX XXXX. 

Todays date is XX/XX/2018 at XXXX I request they show signed documented proof of my signing an OK or giving a AUDIO Recording of me giving them permission, This company does not have permission and I did not speak to anybody from this company. Therefore I request them to remove these inquires within 30 days. Should it go over 30 days I will seek legal action against all parties for fraud. 


Thank you, XXXX XXXX
I have disputed the late payments on this XXXX XXXX XXXX XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
During the hurricane XXXX. XXXX put me on a hurricane disaster program until I caught up on my account. I advised them my job won't open until XX/XX/2018 due to damage. The rep stated it won't affect my credit. After looking at my credit and disputing thru XXXX  XXXX they denial my claim for hurricane issues.
We have purchased our second home mortgage through XXXX XXXX XXXX. This was complete XX/XX/XXXX. The loan was sold to XXXX within the month after we settled. Now we received a text from Hancock Mortgage partners llc former representative for the company XXXX XXXX ( who has left that company ) to notify us that XXXX XXXX the mortgage processor sent us emails that they need more information ( that they missed ) about our Primary home mortgage insurance coverage to calculate the debt to income ratio. We received the text Wednesday XX/XX/XXXX. We were not able to get complete clarification on why they needed more information and the email reads they will call up the note if they do not get this information by Friday. I sent an email Thursday evening hoping to fix the issue with further information on how this will affect the current loan in place. Her response email is she is now out of the office till MondayXX/XX/XXXX. I tried to call XXXX XXXX but no response to my voicemail either. 
We have paid on time. We have asked prior to settlement if anymore information was needed but it appears due diligence on the companys part was not done as they now need to calculate the debt to income ratio again. 
I feel this is unfair to the consumer as we did our part already and now it is six months later. We do not even understand why XXXX is not contacting us but Hancock Mortgage who already sold the loan.
I graduated in XX/XX/2002. My loans were consolidated with XXXX which is now Navient. I have had to defer my loans at times due to financial hardship ( jobs at minimum wage, worked for XXXX at XXXX a year, laid off etc ) but I have NEVER been in default. For 15 years I have paid and I owe more now than I borrowed. Now I ca n't buy a home despite my XXXX credit score because of my student loan debt. The bank actually told me it looks like there is no end to when I will pay off the loans so they wo n't lend me money. I am living with my parents at XXXX and am so unhappy. I 've ALWAYS made my payments when I had money to do so and continue making payments. When I reached out to Navient - I got an email saying I HAD to pay my student Loans and I best not go in default etc - NO HELP!
Specialized Loan Servicing , LLC, ( SLS ) has not been working in good faith with us to process a mortgage modification for our small family farm. In fact, they have been untruthful in regard to missing documents, resulting in multiple reapplications and costly delays. After I filed a complaint with CFPB in XXXX of 2015, SLS finally offered us a Home Affordable Modification. It was processed and SLS said that they sent the finalized document to the courts for approval on XXXX,2015. They lied! Every month, they said it was in process with the courts and every month they lied. The final document from SLS still has not been received by our attorney or the court. We are just asking for a chance to be able to pay the mortgage on our farm at a reasonable interest rate. My family of XXXX generations is facing foreclosure if we can not come to some agreement.
Nothing has happen its been XXXX months and the bank is dragging no forthcoming of info just sit and wait.
This is pretty simple. Our daughter shared an E-Z Pass account with us, and paid us monthly for her usage. Easiest way to do this was for her to transfer the amount from her credit union account to our bank account, and we both set up our accounts to allow such transfers. ( As an aside, we also pay bills by transferring funds to the power company, the landlord, the phone company, etc., through the same bank checking account. ) What happened was that our daughter transferred {$100.00} to pay for her usage, but mistakenly switched the account numbers, so that instead of our account being CREDITED with {$100.00}, it was DEBITED by that amount! We check our account online regularly, and caught it this morning, and she and our bank have been advised to fix this. HOWEVER, our bank ( BB & T ) insists this is business as usual - once you set up XXXX accounts for funds transfers from XXXX to another, you have given the bank tacit permission to send transfers either way, with no additional approval or permission from you. In other words, if my daughter were malicious ( which she is not ) or in extremis, she could clean our checking account out and we would not even be advised by the bank that it had been done. As it was, we had to make a quick transfer from savings to cover a bill which was going to be paid today. This strikes me as being VERY insecure, and an abrogation of the banks obligation to keep our money safe. They can set up bill payment systems which will either automatically take money from our account monthly to pay our bills, or, if we do n't want that, which allow us to order the funds transferred ourselves for each bill. So why ca n't they safeguard the sort of arrangement we had, where each month a one-way transfer from her account to ours was made? Our bank insists that is not how it is done.
Equifax did not do their due diligence to protect my credit information, and their systems were compromised for at least 2 months in summer of 2017. I am among a list of millions of Americans who are likely affected by this data breach. I am freezing my credit to prevent potential damage, but I ca n't know for some months if any damage was done before my actions.
I closed on the sale of my house XXXX/XXXX/16. I called 2 days later regarding refund of escrow in the amount of {$2100.00}. I was told it took 3 weeks. # weeks later I called and was told it was mailed XXXX/XXXX/16, No check. Called again Mailed XXXX/XXXX/16. No check. Was told there was a problem with their system and I 'd get a check in 10 days. No check. Was told it was mailed XXXX XXXX, 2016. No check-? 9 times I called and talked with 8 different reps : XXXX, XXXX, XXXX, XXXX ( XXXX different XXXX ) XXXX, XXXX ( who clamied to be a legal rep ), XXXX XXXX and numerous voice mails where I ca n't understand the name of the perons who is supposed to call me back but never does. 42 days after they got the pay off for my loan and I sitll do't have a refund check for the escrow. I was not late one time. I ask for a check to be put in over night mail but they ca n't do that, yet they have an address for a consumer to send an overnight mail payment. I need some assistance in getting y refund check. What information do you need from me.Name : XXXX, email XXXX,. Please help me to get my refund in a timely manner. Thanking you in adavance
I have ben a member in good standing of USAA for over 20years and former servicemen. 

On XX/XX/XXXX received a letter advising that I am using my account for business transaction. Indicators for business transactions were " Deposits in the name of the business '' I don't recall any deposits in the name of the business being made. No supports were given. 

On XX/XX/XXXX received a voicemail asking about possible business activity on my personal checking account with USAA. 

XXXX XX/XX/25 I returned the USAA call at phone number XXXX, and talked to Mr. XXXX XXXX ( spell ) and answered / clarified all his questions and deposits. He was satisfied and said if any other questions or concerns they would contact me. 

XX/XX/XXXX - My wife with her kids tried to withdraw cash from a ATM but was unable due to the account being closed. I called a USAA rep and asked to speak to a supervisor. 

XX/XX/XXXX I talked to Mrs. XXXX and she reviewed the file and said the account was closed. I gave her all my info ( recapped above ). She would follow up with me on the follow day ( XX/XX/XXXX ). 

XX/XX/XXXX received a follow up call from Mrs XXXX and she said a letter was mailed to me on XX/XX/XXXX Friday that they would close my account due to business transactions. I never received this notification or any other communication whatsoever since XX/XX/XXXX. 

I asked Mrs XXXX to send me the letter via USAA documents on line. Which I attached to this file. 

XX/XX/XXXX - I've asked Mrs. XXXX to escalate this and to speak to XXXX XXXX, Genal Manger, Deposit Experiences whom sent the letter closing the account.. 

I was advise this area of the bank was not for members access but Mrs XXXX would try and escalate accordingly. 

As of XX/XX/1600 hours No call back or details on how I can ask my questions as to what supports they were looking at. I have my money locked with a promise of a " check in the mail ''. 


+ Keep in mind, Friday XX/XX/XXXX is the letter saying they closed the account. ( See attached file ). This was mailed to my home.. I have not received this letter due to the fact it was mailed Friday the XXXX and the weekend, I only learned of the account closing when we tried to withdraw money. Not affording me ANY time to move my money or set up a new bank account so I can pay my bills or deposit my pay. I have checks and other deposits coming to my account that  will not clear and bills that will not get paid. I did not receive notification prior to closing the account. I will incur fees, possible credit reporting issues and other associated items due to the banks improper notification or providing supports for closing my account. 

As a former service man I am astonished of the lack of supports, reason and communication on this subject matter. It has basically been once sided with no means of me to speak with a manager in charge of the decision process. For a bank that services the service women and men and advertise loyalty and support. - this is so far from the truth with regards to this issue. 

We are at a loss.
I have been the victim of identity theft and will be placing credit locks on all bureaus. The following inquiries are fraudulent and not mine : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
I paid my balance in full on XX/XX/XXXX -- I selected pay balance in full and believed that I no longer owed any money on this account. I did not receive a statement in XXXX or XXXX, which I thought nothing about since the balance was paid. 

On XX/XX/XXXX I received a call from the collection agency stating my account was delinquent and past due. I questioned the balance and asked for the last purchase since my last payment. I was told I was billed a past due bill and the prior to that a past due bill. I explained that I paid my balance in full online and didn't understand. I was transferred several times and told my payment was due on XX/XX/XXXX and I paid XXXX which incurred a past due fee. I then explained that I had no idea and that I hadn't received a statement in XXXX or XXXX. If I had known I would have called immediately and paid -- I explained that I paid online and opted to pay my full balance. 

I also explained that I would not have allowed a bill to go past due if I had known about it. I asked them to look at my history and explained that this was clearly an error. The rep empathized and explained there was nothing she could do and that I could write in. 

Again I explained- does it make sense that I would pay {$3200.00} on a XXXX XXXX  credit card to then turn around get charged interest and past due fees on a past due fee. I told the rep I don't know why, but I did not receive the bill. She said her system shows it was sent so that proved they did their part.
I 'm a XXXX year old single mother. On XXXX XXXX, 2016 I called my bank at XXXX XXXX to check on my account balance. I have a checking account at XXXX that my mother 's name is attached to. Her name is only a secondary on the account, if anything were to happen to me. She has never once in all the years that I have had this account had any of her checks deposited or taken money out, she does n't even have a card to the account. When I called for my account balance it stated that is was frozen with an overdrawn balance of {$15000.00} due to my mother having debt with Discover Bank. I have over {$6000.00} saved in that account for my son and myself and Discover Bank said because my mother 's name and social security number are attached to my account that they can take all of my money and not leave my son or myself with {$1.00}. All of my {$6000.00} are still in my account but it is untouchable until XXXX XXXX decides if they will release my money to Discover Bank to cover my mothers debt. My mother owes {$21000.00} to Discover Bank and they filed a law suit using XXXX XXXX XXXX XXXX as legal representation. I can 100 % prove that all money being deposited in that account is mine and has nothing to do with her.
I received from my mortgage company a statement of my Escrow Account Projection for the coming year in the mail the end of XXXX XXXX.that 's when I noticed that my mortgage payment had increase {$170.00} dollars more than it was so I decided to call to see why my mortgage has change I was told that my city taxes has increase from {$9.00} to XXXX and I need to find out from my city taxes department why the increased. I called my city taxes and I was informed that my city taxes didn't going up. So I called my mortgage company back informing them that my city taxes company said that my taxes did not go up and the responds to me was what they paid the city and that my escrow account was low. Then the mortgage company asked can I get a copy of my city property tax paper to send to them and they would work on resolving the problem with my mortgage increase. But as of today XX/XX/19 they have not fixed my mortgage payment and had to paid them for 2 months mortgage and put money in my escrow account because their pay by phone services did not apply my money to my account and I was not informed or notify until I called them.
In an attempt to collect {$2900.00} LTD Financial Services of XXXX XXXX    XXXX XXXX, XXXX, TX XXXX, has made repeated phone calls to my personal phone. On XX/XX/XXXX LTD mailed a claim to a residence where it was retrieved making claim on the debt. on XX/XX/XXXX a  dispute, request for validation of debt, and a request to cease communications via phone until the debt has been validated, was mailed via certified mail to their offices, which was received on XX/XX/XXXX. on XX/XX/XXXX a voicemail message was recorded from LTD financial services. Still to date, the debt has not been validated, and no further communications have been received via the mail. 
On XX/XX/XXXX a phone call was received from a phone number, ( XXXX ) XXXX, listed to LTD Financial Services, and no message was left.