WillisBack/dataset-financial-user-claim huggingface dataset:
Hello Cfpb, I 'm yet complaining again simply b/c I feel like the process is being dragged out and that experian is not taking my file serious enough. I 've sent XXXX separate letters certified to them stating my claim and showing the ID crime report, providing drivers license, etc and I still have XXXX, still have credit acceptance, still have some large XXXX apartment complex, and some child suppport thing out of michigan?!? .. I would laugh because of the last XXXX ... My name is XXXX XXXX and what the police thought is that someone with a similair name is getting tagged to me.. not sure how the system works entirely but I need to get this handled asap. 2017 I do n't want to be messing with this ... I will if i have to but I 'd rather not. I did see a XXXX light bill show up as well which to Experians defense they have not had it brought to their attention. When I contact these places they simply instruct me to pay settlement and I refuse I 've compiled dates and responses that I can upload if needed if it will show my initiative. thank you, XXXX XXXX.
I contacted Credit Control Corporation about a recent medical bill that is being handled by insurance. I also called regarding an old erroneous debt that a lender stated that I needed to pay even if the debt is disputed & not valid. After contacting the company, they read notes in the account to show that I contacted them in XXXX regarding this debt which validated what I told the representative which is that this should not be a debt on my credit report because a money order was mailed to pay for this debt even though I am not responsible for this debt. I was advised that this debt ( $ XXXX {$67.00} XXXX XXXX ) would not be reported because it was being disputed, etc. However, months later it was reported & I called back regarding the debt and no supervisor, etc followed up with me to remove the debt as it was stated would be done. Fast forward 4 years, I contacted them to get this resolved because it is still lingering on my credit report, and I have been hung up on, advised no one can assist me there, advised I can not dispute this debt, and advised that it would not be removed even though I was told twice in XXXX it would be & there are notes in this " account '' there to show this. Shortly after a conversation with an employee who stated that she was a supervisor turned negative, a debt from XXXX XXXX popped on my credit report. This was never reported prior to the conversation with this rude individual. In addition, I was never notified on this debt ; I was never advised that this can be disputed, and I have no knowledge of this debt. I became aware of it through a credit monitoring service in which I subscribe. Through the credit report from my credit monitoring service, I saw that the " original creditor '' is XXXX XXXX. I did not authorized the services or treatment of XXXX XXXX during the time it was stated that this debt was delinquent. In XXXX, all my medical appointments were provided through military-affiliated services XXXX This debt all of a sudden reports on my credit report due to retaliation by employee ( s ) at this company who hung up on me as well as stated that she can not help me. This is in violation of my rights, and reporting this invalid, erroneous, and inaccurate date is damaging to me which is what the individual ( s ) who did this was trying to accomplish. I am not responsible for this debt. This debt is not valid, has not be validated, and I have never been made aware of this XXXX debt so I can exercise my rights as an XXXX citizen to dispute it. The timing is impeccable - 2 years after it was stated that it was delinquent. A year in which I never utilized or authorized the services of this group. Please investigate XXXX erroneous medical collections with this company & assist me. Thank you
I am writing to you under a Power of Attorney given to my husband and I by our son XXXX XXXX XXXX. Bank of America is giving us what can only be described as the " run around. '' In approx. 50 days, XXXX XXXX XXXX, our son 's payment on a HELOC issued by Countrywide will triple. He has been paying interest only on the loan for 10 years, so he has paid them roughly {$35000.00} in interest. He inquired about a refinance or loan modification in XXXX XXXX, which was denied by XXXX XXXX. When we finally got her to call us back to inquire about the confusing denial letter, she said the correct way to proceed was with a Making Home Affordable Application. She requested and we sent her the POA and on XXXX XXXX, XXXX, we XXXX the completed application. On XXXX XXXX, XXXX, BoA issued a letter to XXXX saying that XXXX XXXX would no longer be our dedicated representative. The letter gave us a new number to call for status : XXXX. A loan specialist named XXXX called our son XXXX XXXX XXXX on Wednesday XXXX XXXX, XXXX. Our son referred the loan specialist to XXXX XXXX XXXX under the POA. The loan specialist said he could not find the POA in the Bank 's document system. He asked us to fax it again which we did. The fax was confirmed. Checking back with BoA we were connected with XXXX different people each of which could not answer our inquiry and none of them could locate either POA, nor the application. I feel certain that these are delay tactics in order to spin out the time until the payment triples and then they will sell the loan making modification nearly impossible. I wrote to the monitor recently because I do n't think BoA is acting in good faith. It is overlooking a whole category of borrowers drowned by Countrywide. I am attaching the letter to the monitor and XXXX complete application which states how he was harmed. Anything you can do in this case to make sure XXXX gets full and fair appreciation will be greatly appreciated. XXXX XXXX XXXX XXXX ( by POA ).
I had my real estate taxes reduced by {$1500.00} a year and faxed the copy of the reduced tax bill to Seterus as they instructed me to do on XXXX/XXXX/15 and asked them to analysis my impound acct and make adj. in my payment. No response. I called again on XXXX/XXXX/15 and talked to XXXX and she told me to refax. It would take 7 to 10 business days. Still no response. Called XXXX/XXXX/15 and XXXX told be to refax again which I did. Still no response. Called again on XXXX/XXXX/15 and XXXX XXXX told be she was ordering the analysis of my impound account that day. No response, so I called again on XXXX/XXXX/15 and talked to XXXX XXXX and she said they were working on it. Should have by the end of the week. Still no response, so I call again on XXXX/XXXX/15 and was told it was ordered on XXXX/XXXX/15 would take 4 to 6 weeks, which is past that time period. I still have n't received any response from Seterus as I keep getting the run around am I 'm paying much more each month in my impound account that I need to. Also, the wo n't send me any payment statements as they say that since I filed and received a discharge of my bankruptcy, that they wo n't send me payment statements. That if I want to make payments, I just have to send them a check. I have been on the internet and read other reviews from other customers and this company has to be the worst ever. They should n't been handling people 's funds as you ca n't even find out what they are doing with them. They should be put out of business.
XXXX   submitted a dispute to Transunion for various accounts.
  XXXX  r eceived response from Transunion.  XXXX  of the accounts I disputed for inaccurate reporting was     XXXX   XXXX     acct #    XXXX    in the amount of {$600.00}. please see exhibit   XXXX    where I challenged the reporting. This is the only   XXXX   XXXX    account on my report ( see exhibit  XXXX , transunion report dated   XXXX   ). Transunion responded that this account was deleted ( see exhibit   XXXX   ) however it still shows on the    XXXX    report ( see exhibt    XXXX    ).    XXXX    called Transunion and spoke to   XXXX   about this.   XXXX   gave me various reasons why it still showed.   XXXX   ) creditor did n't respond in time ( FCRA violation 611.a.1.a and 5.a.i )   XXXX   ) Another account with same name and account number were deleted ( FCRA violation 623.a.1.a ) and creditor added back on after deletion ( FCRA violation 611.5.b.iii ) I asked   XXXX   from Transunion to delete since there was a FCRA violation for each of his responses but he said all he could do was dispute it again. Since Transunion had the required time to dispute what I asked them to dispute they should not have another   XXXX   days. They did work on the account in question as they removed the reporting boxes that for the payments I questions for  XXXX ,   XXXX   ,   XXXX  , XXXX   Transunion has willfully not complied with my request and has violated federal law on this dispute.
I have ask the company to not contact me in regards of my account informed me they will still call me after I ask them not to then threat to repo the car. They are very rude and disrespectful I ca n't believe company like this exits.
I leased a GMC XXXX on XX/XX/XXXX for a 39 month lease. I traded in an old GMC towards the lease to keep payments lower. I was going to purchase the vehicle at the end of the lease, so I was not concerned about mileage. On XX/XX/XXXX, the transmission on the truck was not working correctly. I dropped the truck off to XXXX XXXX XXXX in XXXX XXXX NY. They had the truck till XX/XX/XXXX, when they returned it to me it still was not working correctly. At this point I was over the mileage allowance for the lease. The lease had also matured. I have not had the truck since early XXXX. I have been trying to contact a GM customer assistance representative and to no avail. I made brief contact, but no return calls have been made. I called XXXX at XXXX extension XXXX. My case number is XXXX. I am currently without a vehicle. I am very disappointed in the lack of customer service provided by GM.
I am submitting this complaint on behalf of syncrony bank/qvc. This account was removed and deleted off my   XXXX   and   XXXX    credit report after I disputed it over several times. However they responded to   XXXX   credit reporting agency not to remove the account off my report. This is wrong as it was confirmed to delete from the other   XXXX   credit reporting agency 's but they will not allow it to be deleted off my   XXXX   report. I tried to re-dispute it again this morning with   XXXX   but  XXXX  would not allow me to do so ( which is also wrong ). I have this account reporting on my   XXXX    credit report and it should be deleted just as they gave verification to delete off   XXXX   and  XXXX . I am fustrated at the fact that they are affecting my credit score in a negative way by responding not to remove. I was told by  XXXX  syncb/qvc responded to delete off report why would they respond NOT to delete off  XXXX ? I would also like to note that qvc is no longer in business.
Applied for mortgage had several listed pull within two months from different companies which showed up as hard inquires. damage my credit score and try to resolve with no success.
I have inquiries from Equifax that were unauthorized. Equifax do not want to investigate in to the situation for me
My wife and I are getting repeated calls from " High Point Asset '' about her debt. She does not have any outstanding debt and the company wants her to immediately verify her SSN. We get XXXX calls per day and it is very obnoxious.
On Saturday, XX/XX/XXXX, I endorsed three checks for deposit into mmy checking account at Fifth Third bank, where I have been a customer for approximately 15 years. I have moved all over the country and have always maintained that banking account. I placed those checks in a special devlivery envelope for overnight delivery to my bank in Michigan as that bank does not have service in MA.
One of the checks was not dated. I failed to notice this but the bank teller did not. They did not deposit that check in the amount of {$1000.00} and instead, the teller scribbled a separate deposit stub ( which was completely illegible ) and mailed the {$1000.00} check back to me. By regular mail. The teller said she attempted to call me twice about the date of the check. That is not true as my cell phone, the only phone I have, did not record any missed calls. 

The bank mailed that check back to me, knowing that a scheduled withdrawal was about to occur, which would reduce my bank balance to close to XXXX. They mailed it back using the slowest possible mailing method, so that other scheduled withdrawals would bounce and so they could charge me $ XXXX/per bounced check. 

When I called to complain, I was escalated up the chain of command until I spoke to someone named XXXX, whom I told I did not think I should be charged overdraft fees when that happened, as it would be their fault, not mine, that my account would be overdrawn. 

XXXX then proceeded to lecture me on being an irresponsible customer, and that I should not be scheduling withdrawals for money that was not yet in the account, and that this was therefore my problem, not the bank 's problem. That legally it is MY responsibility to see to it that money is in the bank before I write any checks on that money, failing to note the irony of his statement. I had done what was necessary to have money in the account and his bank was seeing to it that it was not placed into the account, with an incentive for themselves as it allowed them to make quite a lot of money in overdraft fees. There is responsibility for me, but not for them apparently I asked whom else I could complain to, and he said he was as high as my complaint would go, because his supervisor did not have " face-time '' ( i.e. contact with the peasantry ) in his job description. I find this utterly appallng. XXXX XXXX, the CEO of Fifth Third bank just experienced a multimillion dollar raise in pay, no doubt composed of an awful lot of overdraft fees engineered by his bank. 

So now, according to XXXX, I have to wait 7-10 business days for the check to be returned to me, and must then date the check and redeposit the check ( by express mail if I wish to minimize overdraft charges ) and  Fifth Third bank will profit from the entire procedure by an unknown number of dollars in these over-draft fees. I believe this is highly unethical and clearly not customer service oriented. Their attitude in speaking to their customers is condescending and rude. They ought to assume this overdraft responsibility, not me.
On XXXX XXXX, XXXX a judgement was rendered against me by Portfolio Recovery Associates for an account written off by XXXX XXXX. I have contacted PRA with my concerns that the judgement was filed with improper documentation on the sale of the debt as well as my concerns regarding the collection tactics by PRA strong arming me into a payment that I could n't afford at the time and telling me that I did not need to respond to the court which in fact I found out that I did have to respond to the court, and I had to do some of the legwork myself that PRA attorneys should have done. I had a complaint before regarding this based on information reported about PRA and XXXX XXXX XXXX - both of which have sued me. PRA came back with a blanket answer that I was not eligible for restitution according to the CFPB charge - BUT, they did not even look at my concerns regarding the improper paperwork filed with the court. XXXX XXXX on the other hand, refunded all monies paid to them in full based on the same type of lawsuit filed for a different credit card - same tactics and paperwork as PRA. I have attached what I sent to PRA on XXXX XXXX and have had no response from the company other than it has been forwarded to the " XXXX Dept ''
I reported and disputed charges on my XXXX XXXX XXXX Credit Card XXXX XXXX in XXXX XXXX for additional charges placed on my credit card for items I did not order or receive. I only ordered four {$45.00} items but was only sent and received two {$45.00} items ( A total of {$90.00} XXXX. for those two {$45.00} items. The remaining chargeson my credit card are bogus. I filed a dispute and submitted supporting documentation to XXXX XXXX whom failed to resolve this issue. Instead XXXX reversed the charges of {$850.00} back to me for me to pay for merchandise I never received.The company in question is called XXXX XXXX XXXX whom falsely advertises and represents themselves as XXXX XXXX XXXX.. I now know this is not a XXXX store but rather a fradulent company operating out of XXXX. Their website is XXXX XXXX ordered I placed on XXXX was for tour items at {$45.00} each. Four items were ordered but only two itits were sent and received. The Merchant individually sent the two items with seperate packaging and seperate tracking numbers each package weighed 1 pound. When I addressed this issue with the Merchant requesting my two remaining items the Merchant simply replied that no other items will be sent and no credits will be placed on my credit card. I reported and sent this correspondence to XXXX XXXX to help assist with their investigation. XXXX have failed in their lending practices and is upholding a fradulent company. I now have a fradulent credit card charge and bill for {$850.00}. 

Thank you, XXXX XXXX
Memorandum of understanding : A response to Ditech 's Action XX/XX/2017 Dear Sir/Madam : In response, " Ditech '' letter stating my modification request is " denied, '' is acknowledged receipt. 
In reflection, I have this to say : Ditech failed to postulate with data what requested document/s that was requested that did not meet their " modification rubric/bench-marks. Also, failing to provide facts on the " Federal H.A.R.P program '' vs that of " the Ditech modification program and also the investor that owns your loan '' policy and premise for " denial '' in its self is predacious.
U.S Bank is dual tracking. They are trying to give a foreclosure while trying to pursue a modification on out home. They are giving us undo stress. The mortgage company has been unreasonable. I had a change in circumstances and they have acting like they do not care.
Phoenix Financial Services is reporting a debt on my credit report for {$740.00}, I was not given notice of a debt collection until I recently pulled my credit report. 
They have also reported a different debt that I have been disputing for a long time with no resolution.
XXXX XXXX collection agency reached out to regarding a debt that was fraudulent in my name I advised them that I never opened the account I spw XXXX they advised me to contact the company which is XXXX, spoke to XXXX they advised me that I dont owe any $ $ & they sent me a letter stating such..I then contacted the company they refused to disclose theyre name I was transferred around as they played games on the phone, I called them a few days later & the representative said just pay the bill & hung up..I wrote them a cease & desist letter because they refused to send me proof of the debt..there located in PA & there telephone # is XXXX
On XX/XX/17 Penn Credit has sent me on this date a letter saying I owe this debt which I have no knowledge of what can be done to get this removed off my credit report Sir or Mam? the debt they say is owed is XXXX.
XXXX XXXX from Wells Fargo is working on a response to my complaint, I want an explanation of why Wells Fargo would hire an appraiser outside of the County I live in to appraise my home, I want that question answered. This is relevant because if you go to their Website, that is one of the questions they ask you, what County you live in, if it weren't relevant then that would be a question they shouldn't ask and frankly they could hire an appraiser from another state and I wouldn't know it and what would that appraiser know about where I live? I still feel this is fraud. Especially when a mile away is a home appraiser in XXXX XXXX. I want that answered
On XX/XX/XXXX I paid off the mortgage with Bank of America so that I could sell the property thru XXXX XXXX XXXX in XXXX, Oregon. Several months later I received a cashier 's check dated XX/XX/XXXX for overpayment on the closed account in the amount of {$560.00}. I was told that the check was good for 5 1/2 months. When I took the check into the XXXX, Oregon branch of Bank of America I was told it had been reported as lost or stolen which was impossible as I still had the check which had not been endorsed. Later I was told by the bank manager that the wrong number had been recorded and the bank would send me a replacement check. I have been trying to get my money returned to me. These are the ID # I have been given during this process -- XXXX. During the last ticket # I was told as all of the other calls that check would be sent. I have never received a check. Every time I have dealt with Bank Of America I  have made sure that they had my email address, my new phone number and my new mailing address in XXXX, Oregon. I have faxed a copy of the original check to B O A on XX/XX/XXXX. I have closed all accounts with B O A and bought a new home that is completely paid for in XXXX. Please help me recover my money from from this irresponsible bank.
Mortgage Servicer, Specialized Loan Servicing ( SLS ), is employing unfair, abusive and deceptive practices. I am an XXXX XXXX  year old Veteran of the XXXX XXXX I have lived in my current resident since 1996. The debt on the mortgage has been serviced adequately and timely prior to my current situation. A simple analysis of the account record will attest to that. While I have retirement and limited other income, my entitlement benefits have been interrupted. Once the benefits are resumed the, mortgage debt will be adequately covered. SLS knew I was XXXX yet they served foreclosure complaint at my resident in an attempt to make it difficult for me to response within the 20 day statutory limitation. SLS has not participated in the loss mitigation process in good faith. Disparate financial treatment is not a part of my sentence. SLS filed residential foreclosure action while in loss mitigation review. After a request to the court for mediation, SLS falsely informed the court that no active loss mitigation us being reviewed and went on to falsely indicate that loss mitigation was denied. Contrary to the Loan servicer 's claim, loss mitigation is on going which is evidenced by continuous written correspondence with SLS. While there has not been a denial, requests for SLS foreclosure prevention options and request for mortgage assistance have been declared incomplete or stale or in need of resubmission without comprehensive explanations. In the months leading up the foreclosure complaint I tried to work things out through mediation. Requests for mediation were rejected. SLS appear to be participating in a sting or scam. They are stringing me along with false hope of loss mitigation while proceeding with foreclosure. I would like to keep my home plus I have equity in the house and I deserve to get the equity. The tactics being employed by SLS is designed to deprive me of the house and the equity. What normally happens in the industry is that, the mortgage holder will buy the property at the foreclosure sale for a hundred dollars ( {$100.00} ). As such, leaving no after sale credit for the home owner. In effect, cheating the homeowner of deserved equity.
The alleged servicer has been wrongfully denying me for a loan modification. I had a HAMP, FNMA, XXXX XXXX underwriter look at my loan modification and stated based on all the documentation I have submitted to the bank and the guidelines, I should have been approved for HAMP. I also qualify for inhouse modification based on guidelines. I am not even sure that the servicer that sent my payoff actually has the right to service my loan. The foreclosure plaintiff is XXXX XXXX XXXX. There is no assignment to the current servicer that has denied my loan modification and supplied the payoff. I am also XXXX, so being put out into the street is unjust. I make enough income to to afford my home. There also is equity in my house, so I could have sold it for a profit in order to find a new home, however due to my XXXX, it is much easier to live within my current home. The servicer is not calculating income that I have provided and also refusing to further review me for a modification. Please help. Sincerely, XXXX XXXX XXXX