WillisBack/dataset-financial-user-claim huggingface dataset:
Consistent marketing and emails from Wells Fargo Bank regarding loans to help with home repairs were marketed falsely not as installment loans. When talking to loan officers and asking about loan repayment the fixed amounts were never discussed. Assertions that loan was more like a HELOC that would establish a line of credit and would be paid back over several years were stated. 
Did not realize high monthly amount until loan was given. Therefore am going to turn all money back in due to misrepresentation. Wells Fargo bank should be investigated for this practice.
XX/XX/XXXX, Fifth Third Bank purchased my mortgage from XXXX XXXX. XX/XX/XXXX, Fifth Third Bank sent a letter informing me of a shortage in my escrow that I needed to pay immediately or increase my monthly mortgage payment. After many calls dealing with unnamed Fifth Third customer service mortgage reps, I came to learn that Fifth Third Bank had decided to pay, or claimed to have paid, PMI payments for periods prior to their purchase of my mortgage. I informed them that the payments had been made by XXXX XXXX in a timely fashion and that any mistaken payment made were not my responsibility. 
My contacts at Fifth Third Bank were supervisor XXXX at XXXX and his manager, XXXX. Both failed to resolve their error and demonstrated poor listening/customer service skill. 
XXXX of XXXX XXXX at XXXX XXXX has been excellent in her service in her diligence and followup in an attempt to show the payments I had made were apportioned correctly and distributed to the appropriate departments completing all requirements by providing documents to me and directly to Fifth Third Bank.
Since I have this auto loan from Capital One since XX/XX/2016, I've always paid its monthly payment. However, around XX/XX/2016, I asked for an extension for my XX/XX/2016 payment due to personal reason and was granted such extension. Either due to miscommunication or administrative procedure to process the extension, Capital One somehow reported my XX/XX/2016 payment as 30 days delinquent in my credit report. I talked to their customer service trying to correct the inaccuracy and was told the report was accurate. While confused, I tried multiple times to persuade them to correct it considering my excellent payment history and goodwill regardless. Yet they seems to be adamant about their decision which caused significant damage to my credit. Besides, their way of handling this is quite unreasonable and inappropriate to a loyal customer with very consistent payment history.
On XX/XX/2019 I called to tell Equifax to remove the freeze I had put on last year when their system was hacked. They said I did not pass their security check. They asked me to fax my personal ID including my SS card and driver 's licence which I did immediately. I was told the process took 48 hrs. It is now 3 days later. I have called 4 times and they keep telling that they either a. have not received the fax or b.they have not entered my request into the system or c. It takes 7 to 10 days. Each time I call and go through their process I apparently do not answer the questions to their satisfaction. I suspect that they have wrong information. I tried ordering a copy of my credit report online but they refused. I am in the process of buying a house. This delay may destroy my ability to complete this purchase. Time is of the essence here! Please Help!
I would like to file complaint against XXXX and XXXX XXXX. This is a third party debit collector. I have a very old debit from 2009. I have proof and documents that I had a payoff and settle agreement with another collector. XXXX and XXXX decided to garnish my wages on the same account. When I recieved notice of the garnishment I submitted proof from the other collector the settlement prior to the court date. XXXX and XXXX advised that they will not except the documents I sent and that if I paid over {$13000.00} to them they will close the account. I told them I dont have {$13000.00} and they told me they were going to go ahead and garnish and there was nothing I could do. Of course I do not know my legal rights and thought that because this stamped paper I had no defense. I then proceed to get multiple calls from other collectors for the same account. One collector advised that they would garnish my wages and I had to send proof. This got me thinking how and why. I called the origional collector and they advised on two seperate occasions that my information can be put back into the system. I called XXXX and XXXX and I guess they have held on to this account for a long time letting it build interest. When I asked why they didnt contact me they said they sent a letter over a year prior which I never recieved. When I asked why they didnt except my proof they acted like they had no idea what I was talking about. When I asked who is collecting the interested they could not give me a answer, when I mentioned I was going to record our call they hung up on me. When I asked for verification they sent me a court paper with some other collector on it, nothing said XXXX and XXXX only the envelope it came in. I found out I can contact court documents and get the same thing, I can also print off a wage garnishment form online as well. I contacted the origional collector Velocity Investments. I was able tosubmit the proof to them. I got a call the day after I submitted the proof and they advised that this account should be closed. I had a hard time but was able to get to the collector I had the settlement with for a payoff. I submitted this to Velocity and they still havent closed the account. I have now been garnished over {$8000.00} on a settlement of {$2800.00} I also had to pay over {$200.00} in fees. This is extorshion.
Prosper took payments out of my on XX/XX/XXXX for which I did not agree to. The payment was for {$71.00}. This payment was on auto pay and of which was to be expired immediately after my XXXX payment. Prosper has received payments of {$120.00}, {$71.00}, {$50.00} in the last 5 days yet the only adjustment to my account was an increase of approximately {$24.00}. I spoke with an agents on XX/XX/XXXX and XX/XX/XXXX. I was told by the XXXX agent that my bank account had been reimbursed the {$71.00}. I told her it was not showing on my account as being deposited. Since then the funds has still not been deposited and my account still has not been credited any of the {$240.00} paid. 
Additionally, Prosper intentionally disabled my ability to view statements online believing that this would enable me to prove my case. Since filing my BBB complaint my balance has yet went up again. That's twice it has been increased and none of my payments have been honored and no refund has been issued as stated by their agent. Neither have I been contacted by Prosper or received a phone call from Prosper. Attached are just some of the files associated with this complaint that has been turned over to legal counsel.
I bought an extended service contract through a XXXX dealership and the cost was added to my monthly payments with Ford Motor Company ( FMC ). My payment schedule is as follows : First XXXX months : XXXX Next XXXX months : XXXX XXXX final : XXXX As you can see, the length of the contract is XXXX months. I have made XXXX payments to date. I canceled the extended service contract because it was essentially worthless in that the vehicle would have to blow up before they would do anything. I have uploaded a copy of that contract for you to review. They have canceled it and sent the refund to FMC which I have NO disagreement with. 
I called FMC on XXXX/XXXX/16 and spoke to " XXXX. '' I was enquiring about the refund because I had n't heard anything. She advised me that I had XXXX payments left and the refund was applied to the principle. So, my balance was at that time {$29000.00}. I have no new contract that shows a refund and how it 's applied. The contract I still have says I owe a total of XXXX payments for the above amounts. 
It 's simple math. If you divide {$29000.00} by my payment amount of XXXX, that leaves a total of XXXX payments. My payments should be XXXX for the remainder of the contract without the last XXXX months ' amounts of XXXX and XXXX. Someone needs to redo my contract and give me the proper credit in writing because I 'm liable for the amounts stated in the original purchase agreement. Both XXXX and FMC have refused to do this.
disputing this not possible with equifax first -- - their dispute needs a credit report and not able to get at all and the prove my id says i have credit cards and mortgages but really not -- - living on small XXXX check and have no credit cards and the true answer of none of above gets me just to a mail in form supposed to send copies of driver license and other stuff -- this happens every year with them and think they use other peoples reports to prove my id questions since if use my actual report would be no mortgage or credit cards -- yeah XXXX check of XXXX a month and equifax says i have a mortgage -- think equifax blocks free credit reports just to force people help them collect more data they then sell to any XXXX with a stolen credit card
There was a collection account on my Equifax report that did not belong to me. This same collection account was found on my XXXX  report and I was able to have it successfully removed from XXXX. I submitted a dispute with Equifax online and received an email on the XX/XX/2018 saying that my dispute was completed and directed me to view the results of the dispute via their website. However, the form for viewing the results has repeatedly not allowed me access to the results so I have not seen them. Additionally, the email states that if I do not access the results within 30 days they may become unviewable. I attempted to contact Equifax by phone multiple times with no success as I've yet to be referred to a live person. The phone line simply refers me back to the website which does not work properly. I am requesting assistance.
I do n't owe any money to XXXX XXXX XXXX 2014 paid for less than full Balance XXXX. this information is not accrete please take this out from my Credit Score ASAP Thanks
I have called in at least twice and logged un numerous times over the past 6 months, to figure out when and how much my student loan payments would be and every time I receive a different answer. I finally was able to get an answer online compiling all the paper invoices and its a few XXXX dollars higher than expected. One of you employees was actually off by an entire month on when the payment was due! 

I do not blame the individual, clearly there is a systemic issue on your end and it makes no sense how you have managed to stay in business. I had budgeted for a much lower repayment ( which has changed drastically about 4 times since graduating in XXXX ) and unable to even verify at which point my loan payments will settle into their " flat XXXX year payment ''. 

I was quoted the payment being mid XXXX in XXXX in XXXX to my surprise it had changed to XXXX, as of earlier this month it was XXXX. Now I come to find out the true payment is XXXX student only loans + XXXX for parent loans. The parent loan alone were quoted as a repayment of XXXX. I can not understand how the payment is now more than 3 times the quoted amount form earlier today. 

If I were to make the flat payments it would mean paying out more than my current after take income. I am not upset at the loan balances for they are the price of my education, I am upset at the lack of proper and correct communication on Navient 's behalf that has made it so my planning is now inadequate. 

I will be submitting a complaint to the consumer financial protection bureau, I am unable to pay my debts if the correct amount due and the payment day is being miscalculated. I was also told that ACH payments were made 5 days ahead of the due date. Having a background in backing I would love a valid explanation to this. It seems all other lenders and major utilities can receive and make payments on the correct payment date but for some reason Naviet requires there payment to be 5 days ahead of time?
I have been a  XXXX  's  Cardholder for 5 yea rs and in that time have always paid my bills on time. I was hospitalized twice and have been out of work for approximately 4 months now due to illness.  XXXX  's used to be managed by  XXXX    XXXX   which  XXXX    XXXX   did offer card security in case of being unemployed, illness, death, etc. I tried calli ng Wells Fargo to exp lain to them my situation and informed them that I was willing to work out a hardship payment plan if possible. The problem that I have with this whole scenario is when I opened this account, I had  XXXX  insurance on the card  XXXX   XXXX  and  for Wells Fargo t o take over accounts and not offer the identical coverage and not inform the customer that they no longer have the coverage is unfair. This is information that a customer needs to know. Until I became ill, I always made sure that my bills were paid on time and m y credit score was  good. I thought that I had coverage and when I was told that I did n't I asked did they have a hardship program of some sort and their response was no and we can do nothing to help you. This is crazy!!!! I tried to explain that even though I 've been a good customer does that no account for anything? The response no sorry ma'am. This is unfair.
XXXX XXXX client XXXX XXXX is an identity theft victim. His information was used to apply for a XXXX XXXX XX/XX/XXXX and another application was submitted to XXXX XX/XX/XXXX. Official disputes were sent to each XX/XX/XXXX and as of this date no reply to the results of the investigation have been received. This is a violation of FCRA.
Zwicker And Assoc. out of XXXX, Ma are attempting to collect on an account that I defaulted on with XXXX XXXX. They have sent me numerous legal documents and filed judgements against me but as many times as I have called their office and tried to speak to an attorney, they are never available. I am only able to speak with collection agents and Managers. These agents and Managers are extremely pushy and insist on getting me to pay amounts I simply can not afford. I have a number of debts that I am trying to resolve and they keep threatening Garnishment and will only make 3 month payment arrangements so they can try to push me to higher and higher amounts. Even then, theyare clear to let me know that they will not remove the threat of garnishment unless I pay in full. They refuse to make an affordable payment agreement with me. I am going to send them what I can but am in great fear that they will garnish my wages even though I am paying them regularly.
To whom it may concern, I disputed more than XXXX times on the phone regarding your request HO-6 insurance and escalated the insurance coverage certificate that I provided but your insurance team and servicing keep ping pong the issue each other and ignoring my proof insurance documents that the original mortgage company already accepted. My insurance agent told me that should cover the mortgage lender requirement based on the XXXX guide line. It covers Walls-In and I do n't have any improvements in the house so the current insurance certificate should be good enough as attached. 
I discussed XXXX ( loan servicing manager ), XXXX ( insurance supervisor ), XXXX ... but they just sent me letter saying that they will purchase the expensive insurance {$730.00} and will pass it to me which is not fair and very frustrated. 
I also have XXXX more investment houses in the same complex ( XXXX HOA ) with other lenders such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX but they never complained the HOA insurance certificate and never request HO-6 to me since this is a investment rental house. HO-6 insurance is for the primary resident homeowner not for investment homeowner according to the insurance agent. Please contact my insurance agent at XXXX any further question. 
If you have any question, please email me at XXXXXXXXXXXX or call me at XXXX.
The lair representing this criminal ( find guilty inside the superior court ) consider false information provided t you even by the DOJ, USA Inspector General How ling this incompetent continue to lie thinking that we do not keep record Copy of this lair garbage was sent back to DOJ and USA Inspector General to Ethic committee and PA Attorney General We need to close this criminal looting organizer so no other family with no financial obligation will go through the same criminal activity from this lairs ad cover up garbage firm What this Phelan Hallinam did was criminal, vicious and malicious done again in a top secret close door knowingly that I will be in XXXX in order to prove that most documents fabricated in XXXX by XXXX are used in USA to defraud families. XXXX XXXX this is your chance to put back allstolen by you private property before I win the case. After it, there will be criminal charges againt your criminal activity done intentionaly in a top secret close door knowingly that my property is located inside a close in community and in case you do not have ( temporary in my case ) the Deed you do not have acces inside the community. I pray that one of the incompatant lawyeres from XXXX or Phelan will try to protect you inside the Criminal Court. XXXX and in particular XXXX knew this and did their best to abuse the system and if you do not put back my private property we will have many years in criminal courts count on it. This was possible because the Greek running XXXX XXXX ( soon will be replaces ) XXXX XXXX XXXX XXXX order it as confirmed by pettifogger assistant XXXX XXXX XXXX of Law Firm Phelan Hallinan in his deceiving and covering up letter sent to CFPB. I mention the word Greek is because the Greek people are well known of having honor, dignity, decency and respect for humanity but not this one from XXXX XXXX.
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : American Express Account # : XXXX I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
I have been the victim of identity theft fraud for more than 4 years. I have filed numerous complaints with EXPERIAN to no avail. I have submitted fraud affidavits, consumer statements and proof of fraud, yet they continue to not accurately investigate my accounts, remove erroneous information and update my reports with the information provided. 

I contacted the office of the president for EXPERIAN and they should not allow to speak with anyone concerning my credit complaints. I furnished EXPERIAN with a fraud packet and supporting documentation on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I need help in resolving this issue asap.
On Saturday XX/XX/XXXX, our ATM information was used illegally at an ATM for {$500.00} plus ATM fees. The card was and is in our possession and I am the only card holder or account user. 
My card was skimmed by thieves at an Arvest location as its the only place I use my pin. 
Arvest called me Saturday to report the crime right after it happened. They notified me it was fraud. They knew it was fraud. However, they didnt cancel the transaction, give temporary funds, or fix the issues after 10 business days or 14 actual days. Still no funds, temporary credit, or a statement why they are keeping our money. The terms state after 10 days they can only keep {$50.00} and must credit us for the rest of the amount. 
Even though Arvest informed us it was fraud the second after it happened we had to file a dispute on the first business day Arvest was open. We did. We requested temporary credit. They refused  and told us to get in line. 
Now 10 business days have passed and they refuse to return our money. Our mortgage payment was due with Arvest on XX/XX/XXXX and we can not pay until they return our money. Weve called 4 times to resolve this but they only care about their customers. 
In addition ATM usage fees were charged by Arvest to us for a thief using a non Arvest ATM. They still refuse to refund those as well even though that is 100 % under their control
XXXX XXXX XXXX XXXX report on my inquiry XX/XX/XXXX on XXXX. Did not apply for credit with this creditor and did not give authorization. Called XXXX  and XXXX to remove from my inquiries no action taken. 

XXXX XXXX XXXX XXXX reported on my inquiry XX/XX/XXXX on XXXX did not apply for credit with this creditor nor gave authorization. Called both parties to remove the inquiry from my credit report. No action was taken. 

Chase Card was reported on my inquiry on XX/XX/XXXX did not apply for a chase card  and did not give authorization to check my credit. The inquiry was placed on my XXXX and XXXX XX/XX/XXXX. Called all three parties to have them remove it and no action was taken.
I realized there is an account placed for collection on my credit report so I looked into it. The account was from Commonwealth Financial XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX. The account was placed for collection on XX/XX/XXXX. At this time I was only XXXX  years of age, making any medical bills my parent 's responsibility and their insurances. They also did not contact me before putting this on my credit report. I tried calling the number provided from my credit report, as well as the number they have listed on google. On XX/XX/XXXX I reached a voicemail saying the mailbox was full. I called again on XX/XX/XXXX and was put on hold for 25 minutes until being hung up on. I tried calling again and kept getting a voicemail full box. I called again on XX/XX/XXXX and talked to a lady who told me I had to pay it and there was nothing else I could do about it. I have read the reviews on this agency and understand they do this to many people, and that the company is fraud. I do not want this to ruin my credit. I will soon reach out to local police and obtain a lawyer.
On XX/XX/XXXX, I submitted a request to Military Star Card, to reduce my interest rate to no more than 6 %, per the Service Member Civil Relief Act ( SCRA ). On XX/XX/XXXX, Military Star Card, denied my request because they do not think it applies to me. 

On XX/XX/XXXX, I discussed this matter with my legal office/counsel, and they agreed with me. They instructed me to submit a request through CFPB for resolution. If not solved, my legal office/counsel will process this case to the Department of Justice. 

Per the SCRA, 50 U.S.C. App. 501-597b1 as attached, I am eligible for this request because my loan/credit card debt have originated prior to the current period of active military service. 

I got out of the XXXX XXXX on XX/XX/XXXX, and entered the XXXX XXXX on XX/XX/XXXX. The SCRA applies to me because there was a 12 days break in service. 

According to the SCRA, the term " period of military service '' means the period beginning on the date on which a servicemember enters military service and ending on the date on which the servicemember is released from military service or dies while in military service. As such, the XXXX XXXX ( XXXX ) service and XXXX XXXX ( XXXX ) service are two ( 2 ) seperate period of military services. 

Any debt prior to the period of military service ( XXXX ), must be reduced to 6 % and anything paid more than that, shall be credited back. Even though debts were incurred during the XXXX military service, it is still considered debts incurred prior to the current period of military service ( XXXX ). 

Please read the attached SCRA law for more details, and please be advised again, that my counsel ( XXXX XXXX XXXX XXXX XXXX XXXX ) agrees with this interpretation too. As stated, if not resolved, this case will be processed through the Department of Justice.
Goldman Sach hard inquiry from XX/XX/17 that I did not authorize. 
Attempted to call, but reported that they had already completed inquiry so it could not be removed.