WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, On XX/XX/XXXX, I replied to someone selling tickets for a concert in XXXX. I've uploaded the text messages below. I sent the recipient {$350.00} for a pair of tickets through Chase XXXX. The recipient notified me they were going to transfer the tickets through XXXX. However, they didn't follow through. I contacted Chase support about 3 minutes after the transfer to rollback the transaction. However, Chase notified me that I was out of luck and there's nothing they could do. They told me to notify the police and that there was nothing the could do. I called the local branch and they told me to call customer service XXXX number. I was told to go around in circles with nobody helping me. I'm frustrated and upset that they didn't do anything since I sent the money that is a Chase customer. They have this person 's information but told me they were not able to reverse the payment.
The company overcharged me for a XXXX XXXX XXXX that came with XXXX XXXX  miles and it had alot of electrical problems & they refuse to refinance my vehicle & I couldnt keep up with payments causing them to take the car & they barely worked with me only helped me for one month but was more concerned about me paying them & not my situation due to me losing my job.
I have called Navient 6 times over the last two days. I keep getting transferred from person to person with no answer no help and no resolution. I want to consolidate my 4 loans into 1 loan. And I want to get an affordable payment. My private loans through Navient total over XXXX and this is going to force me into default which I can not allow to happen. I need help please!
I submitted a re-certification of income based payments with my spouse information on X/XX/17, Fedloan Servicing states I " did not request spousal loan debt until X/XX/17 Income Driven Repayment Plan Application. '' Since they did not receive it and/or process the paper work until X/XX/17, I had to pay {$520.00} compared to my payment in XXXX 2017 of {$290.00} and my payment in XXXX of {$390.00}. I asked for a review of this payment. My " over-ride was denied and their reason is the aforementioned quote. The did offer to refund my payment of {$520.00} and stated it would not count toward my 120 qualifying payments for the Public Service Loan Forgiveness program. Fedloan Servicing overcharged me {$120.00} for my XXXX payment.
I was working with the Bank of America Home Retention Dept. to have my HELOC agreement modified. During the period of documentation, I paid the much higher payments that the HELOC required after it matured in XX/XX/2018. In XX/XX/2018 I was approved and was told to make three payments of only {$680.00} in the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I made the first payment in XX/XX/2018 but BOA told me that it had to be in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and not in XX/XX/XXXX. Of course, the Bank did apply the too-early payment of {$680.00} to my principal. Then I properly paid the XX/XX/XXXX-XX/XX/XXXX payments and was accepted into the Home Retention program by a written modification of my previous HELOC. ( The Loan Number at BOA remains the same. ) However,  the BOA computer was unaware of the Home Retention modification and of my being told to make the three payments of only {$680.00} in XX/XX/XXXX-XX/XX/XXXX. The computer was expecting me to make the much higher payments that I had been making from XX/XX/XXXX to XX/XX/2018. Accordingly, the computer declared that I was in default for four months, the months of XX/XX/XXXX-XX/XX/XXXX. As I have explained, I made the payments I was told to make for these months, the payments of {$680.00} per month. I was in fact told by BOA to ignore the notices from the Bank that said I was in default. She said, " just ignore those letters. You're going to keep getting them, so just ignore them. '' Therefore, my " default '' was not really a default at all, but has been reported to all three of the credit reporting agencies, harming my credit substantially. BOA has frozen my overdraft protection account and has reduced my credit card limit from {$27000.00} to {$7200.00}, all because of its reliance on a defective computer-made decision. Note that this was not a " mistake '' and would happen to everyone who, like me, was applying for a modification through the Home Retention Dept. The computer did what it was programmed to do. It wasn't a " mistake. '' It was a failure to program the computer systems at Bank of America to  communicate with each other, thus leading to " the right hand not knowing what the left hand is doing. '' My line of credit account is frozen, my XXXX credit card limit has been reduced from {$27000.00} to {$7200.00}, and my overall credit rating has been devastated. My " fault '' was doing exactly what BOA told me to do and never missing or late on a single payment. 

The attached letters from BOA demonstrate the inconsistency of its operations, leading to harm for the consumer. The first letter shows me owing {$11000.00}, and the second letter on the same HELOC number is a notice to pay the correct and newly modified payment, {$680.00}. The two inconsistent letters cover the same billing cycle dates.
I 'm contacting the CFPB as my final resort as I 've been contacting Amex numerous times regarding my Platinum Card which I was approved on XXXX XXXX, 2016. The promotional offer associated with the application included receiving XXXX Membership Rewards ( MR ) points after making {$3000.00} in eligible purchases on the card in the first three months of Card Membership which I did. I have a legitimate business and use several credit cards to spread out my expenses and have a track of them. I also use them for my personal consumption and have always been a good customer in that regards as I 've never had a single collection or missed payment. Amex ( American express ) has stated to me that the reason why I had a XXXX clawback is because I had returned items. I 've explained that I 've made purchases for more than the required {$3000.00} spend and that even with the returns, it still counted for the promotional offer. As our phone conversations are always recorded, amex could easily listen to them and hear that the first agent that opened a case acknowledge that even with the returns, I should of been entitled to those bonus points. A few weeks after, I called back to check on the status and an agent said that it was n't due to returns but also because of spending ineligibility. I would like for amex to prove how would those spending be ineligible. It seems that they are trying to deny my bonus for any reason they seem to have on the day of calling. Furthermore, I must say that my points were not redeemable for any partner transfer and were locked and frozen and that I had to wait 6-8 weeks before getting an answer on my case ( which ended being much longer than that as my points were taken back on XXXX when I had originally applied on the XXXX, so 14 weeks total, another promise that was not fulfilled from Amex. I am simply requesting to have those points back into my account as I was advertised. 
Thank you
XXXX ,  XXXX   XXXX  SOC SEC #  XXXX  DOB  XX/XX/XXXX    ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX  PLEASE UP DATE MY PHONE MUMBER :  XXXX  I C  SYSTEM INC   XXXX  AND I C SYSTEM INC  XXXX  Your company have violated FCR A 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale  or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.    I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from iden tity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.     The reference items are listed below please take this matter very serious I C  SYSTEM INC   XXXX  AND I  C SYSTEM INC   XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX ,  XXXX   Telephone Consumer Protection Act  Litigation, Case No.  XXXX , in th e U.S. District Court for  the  XXXX   District of  Califo rnia Stop c ollection proceedings against me Signatures on applications and accounts Investigators report  XXXX ,  XXXX   XXXX  SOC SEC #  XXXX  DOB  XX/XX/XXXX    ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX
This complaint is about  XXXX . At some point in the past, a bankruptcy ( chapter  XXXX  or  XXXX , I ca n't remember  ),  appeared on my  XXXX  report. I have never filed bankruptcy. This TANKED my score.     I have submitted request after request to dispute this information off my credit report, however they did not listen after multiple attempts. Frustrated, I looked up on  XXXX  as to whom it could possibly be, most likely 'someone with a similar name ' given that the bankruptcy was being reported in  XXXX   XXXX  GA.     In the attachment, you 'll see the Intelius results for another individual with my EXACT SAME NAME who lives in  XXXX . The first, myself, is listed in  XXXX  because I worked briefly for a company called  XXXX ,  XXXX   XXXX  from  XXXX  to  XXXX  which was based in  XXXX   XXXX  GA. I worked for them FROM HOME (  XXXX , WI  )  as a telecommuting employee, as did MANY others. There was another employee who lived in  XXXX , WI, one guy in Texas,  one  guy in  XXXX , a few in other places around the world. We all had our specialty and we all kept regular business hours and communicated via  XXXX .     For whatever reason, some public record crossed with this individual who is associated with  XXXX  University or health care for some reason. I have never been involved in that industry. This individual most likely declared bankruptcy, and it was reported on MY credit report.     At any rate,   XXXX   has refused to do anything about this. They keep verifying it is accurate, despite me writing them, emailing them, calling them, submitting disputes, and finally it 's come to this. I am FED UP with them, as I have not been able to acquire decent credit for a substantially long time due to this.
We have a XXXX loan ( purchase and renovation loan ). The process with Wells Fargo was terrible. Our appraisal came back low and even though we sent them houses on our same block that were valued for more they did not force the appraisal company to revisit the final report. Because our neighborhood is improvised they even discounted the value of our home even more. This was not fair since homes were selling for more in the same neighborhood. We felt discriminated against since we live in a low socioeconomic area. WF changed reps many time during the process so there were time lags as well. We had to write numerous letters on the same topic. One rep would promise one thing then they would leave and we would have another rep. We quickly responded to every request but to keep pressing for a close date then we were told the interest rate had to be increased since so much time had gone by. We felt we had to accept so we could close. We finally closed in XXXX after starting the process the prior XXXX. We now need an extension of this loan because it took us longer than expected to get permits from the City of XXXX. Even though this was not all our fault ( see letter attached ), WF will not extend our loan or roll it into another loan. We are in midconstruction and cant get another loan in TX until XXXX.
My client recently completed her CH XXXX BK and was granted from the courts to proceed with refinancing her property. The existing payoff was held with PNC Mortgage and they took over 75 days to provide the payoff demand in order for the new escrow company to fund and record. As the lender, we had everything ready to be completed in 20 days knowing we had a 45 day lock period incase there were delays. From day 20 up to day 75 or 76 we could not receive the pay off demand costing our branch over {$1500.00} in extended lock charges. Not only do I have email records from myself and the escrow officer trying to get the information form PNC but I have an entire conversation timed and written down with names and discussions about how their process works in order to speak with a supervisor or a manager. It's impossible and they will not allow you to talk to anyone directly, you have to speak with a representative who then types the message while you wait on hold for the response. Because I was insistent on staying on the phone from XXXX XXXX they lied to me about the release and once I called back to confirm, nobody knew what I was talking about and couldn't release the information to me without filling out and authorization form. The authorization form I was told can take up to 5-10 business days to be accepted. Escrow was told at least twice that the pay off demand would arrive in 5-10 business days as well.Each time you call and ask for the pay off department you are sent to a recording and automatically hung up on. The entire process was a total nightmare and because of my escrow officer bending over backwards each day for over a month and a half, somehow it was finally provided. I want to know how a company can get away with that type of system, costing other lenders money, taking time away form other people 's jobs, and not have consequences for their actions and lack of care for the client. If my branch manager didn't choose to take the hit, my client would have never closed her loan, her mortgage payment would not be reduced, and she would have been out for the additional costs that were accrued for doing the loan. PNC should be put out of business for how they conduct themselves with no regard for others. Our branch suffered, escrow suffered, and the client suffered in worrisome.
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the  months of ( XX/XX/XXXX through XX/XX/XXXX ). I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
This complaint is with fed loan servicing Servicing company for Department of Educatio n As o f  XXXX      2015 Fed loan servicing has me marked 120 days late in my credit report.
I have proved to them with my paper work three times that I was never late or missed payments, and three times I got back   ( my claim is denied ) How can I go about this?
I ASK THIS CREDITOR TO VALIDATE THIS DEBT AND AS OF TODAY I HAVENT RECEIVED ANYTHING!! ALSO UNDER FDCPA SECTION 811 ( A2 ) THE COLLECTOR MUST BE IN THE COUNTY IN WHICH I LIVED WHEN I SIGNED THE ORIGINAL CONTRACT.
There were 2 reports of non-payment submitted to XXXX XXXX from XXXX, both submitted at same time ( same date ) in the amounts of {$170.00} & {$200.00}. I paid both amounts same time by sending check for {$370.00} to XXXX. On XX/XX/2018 the {$170.00} debt report was removed from XXXX XXXX but the {$200.00} debt remained as an open unpaid debt. I called both XXXX & XXXX XXXX several times & they both keep sending me back & forth blaming each other for the error of the report not getting removed. Please help me to get this {$200.00} debt from XXXX removed from XXXX XXXX which will make a difference from my credit score being " good '' to " excellent ". Thank you for your help.
My concern is with Citcards XXXX Score information on their website. Their website is showing an inaccurate XXXX Score, they state that two situations impacted my score which are, late payments and missed payments and oldest account is to recent. Citibank receives this information from XXXX. I pulled my most recent credit file from XXXX and it does n't show any late payments nor missed payments, also my oldest account is XXXX years old. I called XXXX and they said I ca n't dispute anything because there is nothing to dispute and told me to call Citibank, Citibank tells me that they ca n't do anything because the information is from XXXX and that I need to dispute it with them, my credit file has nothing inaccurate to dispute, also other banks provide similar service and their scores are totally different for example ; XXXX score is XXXX, XXXX XXXX score is XXXX, but Citibank is showing XXXX, this problem has impacted my APRs on my credit cards from Citibank from 9 % to 16.24 %.
We fell behind in mortgage payments have been trying to get a modification since XXXX but Chase will not give us a decision. Now are faced with foreclosure.
My checking account had a positive balance on {$15.00} but I was charged a NSF Fee.
In Mid-XX/XX/2017, my sensitive personal & financial information was stolen from Equifax in a massive data breach. Considering that Equifax houses data on the majority of American adults, their security was woefully inadequate, and their incompetence was highlighted by the fact that they did n't even discover the breach until at least 2 months later. I 'm now reasonable certain that my first and last name, Social Security number, birth date, addresses and possibly my Drivers License number is now available to the highest bidder. 

As a result of this, I will now have to look over my shoulder for the entire rest of my life, and be hypervigilant about my financial and personal security. I 've still yet to determine the full impact of this situation, but I can guarantee that I will have to spend a lot of time and money to protect myself for as long as I 'm alive. Equifax needs to be held accountable for putting hundreds of millions at serious risk.
on my Experian report I have paid over half on my credit card balance and my credit score has not changed. This is my second complaint on Experian and it seems as though it has become a personal vendetta -- no matter -- -do they realize how much control they hold in their..With a credit report they can make it hard for you to get futher in life -- -meaning a job -- which is your lively hood -- or a home -- which is your place of living -- -so with that being said they need to be perfect -- and yes I mean to the T..My XXXX card limit is XXXX Ihave that paid down to XXXX and they have that as 34 % paid -- I have enclosed a copy of this -- that is over 50 % paid. In my last complain they said they would update that and they would send me a copy -- that is yet to be seen -- I guess they mean next year in XX/XX/2019 -- oh well -- also I have paid off 2 accounts and still no raise of credit score. And surely it is not a such thing as they need time -- when the credit limit was maxed out -- aah I think it took one and I do mean one day to post that and to lower my score -- so I am not understanding why the wait is when I do it like they tell me. In my last complaint it was mention that it depends on the needs of the creditor -- -XXXX -- I have mention that to several creditors and they are saying they go by the numbers first -- -- the numbers the credit bureau is showing and then they consider other factors.
I am a customer of Capital One bank with a credit card account, my credit card expired and I never got a replacement card. In XX/XX/2016 someone or persons purchased items using my credit card. I worked through the issue with Capital One. The aggravation and lost time prompted me to ask for my account to be closed. 
They zeroed the account and then reissued a credit card to a person who called in with a change of address. That person charged more items and no matter what I do they do n't hear me. Every contact I have had with Capital One I have emphatically stated " Close MY Account. '' I asked for the proof that it was me who purchased the items. They have none. They will not set up an investigation. " Is there is nothing I can. '' Please Help
I am writing this letter regarding my mortgage loan I have had since XXXX, XXXX for my house. My involvement with the Loss Mitigation Department of Shellpoint Mortgage Services began in early XXXX XXXX. 

I had an unexpected downturn in my business in XXXX XXXX, which resulted in a significant loss of income and my inability to make my mortgage payment. I immediately contacted XXXX XXXX XXXX Mortgage customer service department to learn about the options available. I received a detailed package in the mail to initiate the loan mitigation process. Meanwhile my mortgage was transferred to ShellPoint Mortgage Services. 

I have submitted all required documents to ShellPoint Mortgage Services numerous times from XXXX, XXXX to XXXX, XXXX. When I call to check the status of my packet, I am forced to leave a voicemail. On occasion I have had the opportunity to speak to an agent, who indicates the packet had not been sent to the loan processor yet and to call back, or the packet is with the loan processor and they will call me. After repeated attempts and requests the progress remains null. 

At this point in the process it is clear that Shellpoint Mortgage Services Loss Mitigation Department is engaged in a pattern and practice, which is certainly unsupportive. I have complied with all the requests from Shellpoint Mortgage Services, however, it appears the overriding goal of the Loss Mitigation Department is to force my loan into foreclosure and take my property from me. 
I have been making payments, but remain behind and I have difficulty maintaing the payments at this point and need assistance.
Upon reviewing my XXXX credit report XX/XX/2018, with attorney it was pointed out that XXXX is knowingly and intentionally reporting false information which is in Violation of the Fair Credit Reporting Act. XXXX indicates that the closed account on my report was sold/transferred to a company ; XXXX XXXX c/o XXXX XXXX. I called XXXX and their office confirmed and provided me the telephone number and address ( XXXX XXXX c/o XXXX XXXX telephone # XXXX address XXXX XXXX XXXX XXXX XXXX, NY. ). I called XXXX XXXX c/o XXXX XXXX they searched their records for 30 minutes  while I was on-hold, using my social security number, DOB, address, and telephone number, they found no evidence of ever having the account and indicated they do not service and never have serviced personal loans, payday loans, as that their business serviced other business and collection platforms. XXXX continues its Predatory Lending behaviors and is in violation of the Fair Credit Reporting Act.