WillisBack/dataset-financial-user-claim huggingface dataset:
Two months back I had a balance of {$84.00} on my XXXX. Due to a family medical emergency, I could not attend to paying off this amount of {$84.00}. For that, XXXX XXXX did not even contact me thru email, phone, mail or text message and blocked my online account. So, when I tried to login, I could not and had to spend XXXX minutes over the phone to just access my account. Then XXXX XXXX, goes and reports to the Credit Bureau that I am 60 days past due. 
All my years of building a sound credit history has been hampered by XXXX XXXX customer / account maintenance service. Just want to remind that I took a loan amount and also paid it off well in advance ( 2 years prior ) and yet XXXX XXXX has gone and complaint like a child to the Credit Bureau. 
It is a shame that a Bank/Credit Card company like XXXX, can resort to such cheap tactics of hurting the customer for a {$84.00} unpaid balance. For such a reputed card company, would it not have been courteous to check with the customer and see what is happening before resorting to reporting to the bureau. When I have paid all bills prior to this for 10 years promptly with XXXX XXXX that is 120 monthly payments, should missing XXXX payment reduce my fico score by XXXX points? Also, on my other XXXX XXXX, I had a rewards balance of {$93.00} enough to cover the amount for {$84.00}. Yet, XXXX XXXX did not contact me thru. This does seem like a personal vendetta against me by some employees of XXXX XXXX who know me in person. 

Hence, I have decided, that from now on, I will never use your credit card. Neither will my family and would strongly encourage people to stop banking with XXXX XXXX. Also, social media is a powerful tool and I will mention to all my friends and to the world, how cheap XXXX XXXX is ... 
Today would be the last day that my family would use any XXXX XXXX product. 

XXXX XXXX has a lot to learn from other banks who give a XXXX time chance to the consumer. It is shame to bank with XXXX XXXX.
Three weeks ago, I mailed Experian XXXX specific things that I believe are incorrect on my credit report and asked them to investigate. On Saturday, I received a response in the mail saying : " We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. 
... 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. '' This is ridiculous, because I included a copy of my drivers license in the mailed correspondence. I contacted Experian on the phone yesterday, and the representative could not access my information. She also could not allow me to verify my identity so that those items could be investigated. She only said that I could tell her on the phone what my issues were. 

My rights as a consumer are being violated. Experian should have removed the incorrect information from my report right away, and instead they are refusing to even investigate if it is correct. I sent my complaint in the mail because I wanted to use my own words to describe the issues and not have some random person on the phone use hers.
This is a secondary Complaint to Complaint # XXXX : the answer from Nissan Motor was entirely unresponsive. HEADLINE : I have, and have attached, legal Power of  Attorney. There were numerous docs sent with Complaint, but I am sending only 1 attached document. 

I ask for a responsive answer to Complaint # XXXX, base upon the fact that I possess Power of Attorney for the owner of the financial document, XXXX XXXX. 

I have submitted a Response to Nissan Motor 's Answer as being unresponsive : kindly, submit a productive answer ; or open a dialogue in order to resolve this matter and prevent further action.
This company calls my house non-stop, only letting the phone ring one or two times. When I answer the phone get a tone like someone hung up.
I am writing to complain about the Fidelity XXXX XXXX XXXX XXXX XXXX XXXX issued by FIA Card Services. 
Consistently, every month, my spouse or I are declined at the point of sale for small amounts, such as today for {$5.00} for an XXXX transaction and a {$64.00} meal transaction at a restaurant in the same city that I live in. And consistently, we have to be embarrassed at the point of sale followed by a call to Fidelity Card Services, where they trot out the same old excuse of fraud scanners and analyzing for suspicious activity. This happens at least once every month and they claim that they will rectify it. It is at the point where I plan on closing the account because of the level of interruption.
failure to send borrower the following prior to foreclosure referral XXXX. In all states, Servicer shall send borrowers a statement setting forth facts supporting Servicer 's or holder 's right to foreclose and containing the information required in paragraphs XXXX ( items available upon borrower request ), XXXX ( account statement ), XXXX and XXXX ( ownership statement ), and XXXX ( loss mitigation statement ) herein. Servicer shall send this statement to the borrower in XXXX or more communications no later than 14 days prior to referral to foreclosure attorney or foreclosure trustee. Servicer shall provide the XXXX XXXX with copies of proposed form statements for review before implementation.
I CAN NOT believe that Equifax is STILL reporting the account XXXX XXXX XXXX although I have pointed out SEVERAL inaccuracies with this account. How can Equifax verify inaccurate information as accurate? By law it is Equifaxs job to ONLY allow accurate and correct information to be entered onto my credit report. How can this account come back as verified? I disputed this account XX/XX/XXXX and XX/XX/XXXX. I am challenging this account for the third time. 
I am challenging this account for the following reasons : There should be no past due on a charged off/closed account yet Equifax lists a past due amount of {$1900.00}. How is this accurate? 

There should be no monthly payment on a charged off/closed account yet Equifax lists a monthly payment of {$1900.00}. How is this accurate? 

Each bureau lists a different monthly payment. XXXX  $ XXXX/Equifax $ XXXX/XXXX  {$1900.00} How is this accurate? 

Each bureau lists a different open date. XXXX  XX/XX/XXXXXXXX Equifax XX/XX/XXXX/XXXX XX/XX/XXXX How is this accurate? 

Equifax does not list a date of last activity on this credit report. That is a violation.
Dear sir, I am victim of CC fraud while I make my monthly bill from my CC for cellphone bills back from XX/XX/XXXX until XXXX. I noticed it lately in and around XX/XX/XXXX, but contacted the cellphone company store representative and describe why this charging is still happening while I was your customer and even after I closed their service and get cellphone service from other sister company. The representative retain copy of my CC statement and told to be contacted. Nothing back and replied. Then I contacted my CC provider and reported complaint and recorded as a dispute to follow up. Then sent me a letter to provide them with supporting documents I had, but I were not able to do so due to where to look for this docs., my first experience and luck of knowledge about it. Meanwhile the CC company sent me a new CC thinking that would help to stop the transaction and that did not stop charging me monthly {$100.00} without my authorization and knowledge. Yes here I can not deny that I had weakness to check my account transaction periodically and report as early as two three months after, but I completely relied on my service provider and CC to handle with integrity and security, but now I could not find and get any help stop my lose of money and affects my clean financial transactions and would affect my CC points if I am forced to close my CC account completely to stop the rip offs. 
I just ask your Bureau assistance to get the bottom it and get my money back. And also to be an example of such kind of victim of fraud to others. I seek all necessary technical assistance, followups and help what to do, where to begin with, how I could provide with you confidentially all necessary documents and information 's. 
Sincerely your help seeker ; Thank you, May XXXX Bless America!!
The company servicing my loan is Select Portfolio Servicing. I have had many issues with this company during the servicing process dating back many years. I am trying to get information from them the Mortgage Trust they are attempting to collect on. 
The trust is held by XXXX XXXX XXXX XXXX, being serviced by Select Portfolio, yet the payments apparently are being dispersed by XXXX XXXX. All of these banks have recent court rulings againt them as far as Mortgage Trusts are concerned. 
My mortgage is part of the XXXX XXXX XXXX XXXX held by XXXX XXXX. I am attempting to find information on the actual trust. Through my own research I can find no information on this trust past 2006. I have searched FDIC site as well as many others. 
I have talked with people at XXXX XXXX  that should have direct knowledge of the trust and they referred me back to XXXX XXXX who supposedly disperses payments for the trust. XXXX XXXX could tell me nothing. When I talk to Select Portfolio and  try to gain information on the trust they seem to know nothing about it as well. 
I have verbally requested info on this over 30 days ago and spoke with the Ombudsmen office today and still got nowhere They have accepted me into a payoff plan, which they only gave me less that a month to accept, I told them I needed the information on confirmation that the trust actually exists before I can start making payments. It is only common sense that you don't pay things when you have no idea where your money is going. Deadline to accept the plan is this Monday the XXXX and they will now extend it for me. They have also set up a foreclosure date even before they knew if I was going to accept the plan or not. The foreclosure date is for XXXX XXXX.
I used XXXX within my Chase QuickPay app to pay to an email address of one of my contractors. When I sent the the payment, it was not received in the intended account that belongs to my contractor, but in some other account. When I then received a request from the same contractor with the same email account, the money did arrive at the correct account. Thus I had two transactions, one for {$130.00} that went to the wrong account and one of {$130.00} that went to the right account. I filed a claim with Chase, but they denied it because I initiated the transfer. When I tried to dispute it, I got the run around with their customer service.
I found myself in need of having to modify my loan. I have had the worst experience with US Bank and especially with XXXX XXXX my so-called relationship manager. Not only does she not know how to speak to a customer but her lack of knowledge was reprehensible. I tried multiple times to speak to her supervisor but with no success. I also attempted to change relationship managers and that was also not done. When we finally decided to accept the modification, we sent in the payment as well as an escrow amount that was owed only to have the escrow amount misapplied. After multiple calls it has not yet been corrected. XXXX department tells me XXXX thing and the other tells me something different. At the end of the day, it has been over 20 days that my payment was misapplied and has not been corrected. My payment is XXXX it should be and have been told I need to wait over 2 months for the error to be corrected.
To whom it may concern, Re : XXXX ( DBA of Paypal ) I am not a XXXX   customer, but my credit card information was stolen by a XXXX  account holder. 

I contacted my bank ( XXXX ) regarding fraudulent charges and their internal investigation is currently underway on my Visa card ending in XXXX I then contacted XXXX and this is essentially what they communicated to me : Go away, we won't help you. ( pretty much just like that ).

No, you can't speak to a manager. 
We can't or won't act on the transaction information ( of which I have dates, transaction numbers, amounts, etc. ) to make any inquiries. 

Essentially, we don't care, and we're not going to do anything about it. 

Before you ask, yes, as I said, the investigation is underway with my bank, BUT due to the aggregation of transactions through a single entity ( XXXX ) we can't see in what state the transactions occurred, what persons or businesses were paid, and other information critical to understanding how/where/when this security breach occurred in order to stop future fraudulent transactions, or change the way in which I use my card. For example ; If XXXX requires the 3 digit security code from the back of the card, and/or other verification processes, they would not share that with me, in fact, they basically told me to drop it. 

I'm not dropping it. XXXX needs a serious rethink on their consumer fraud policy. 


I appreciate your time and attention. 
Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX
I paid the balance $ XXXX.then I received a statement with late charge and other fees. ( money was withdrawn on XX/XX/18. I was told if I pay one time late fee they waive other charges which I did. Now they want to pay another late fee to waive other charges. I don't trust them anymore.
There are a couple of issues with Home Point Financial : 1. My first payment in XX/XX/XXXX was lost because the wrong account number was on the coupon I was given at closing. When they found it nearly a month later and recorded it on my account nothing was deducted from principal, interest, or balance and nothing was added to escrow ( XXXX ). 
2. I was told at closing to pay my homeowners insurance ( {$820.00} ) myself with the escrow money sent back to me after closing, which I did. Then Home Point paid my homeowners insurance and took money out of escrow ( as should happen ). However, when the insurance company refunded the money to Home point the did not return it to my escrow account. 
These XXXX items total {$1100.00} that should have been in escrow but was not. I have contacted them several times over the last year allowing them their usual 4-6 weeks to investigate, but there has been no resolution. The last time I contacted them I sent copies of my account with the issues highlighted along with their letter to me telling me they had the wrong account number on my coupon at closing and asked them to re-audit my account. Their response was a letter from them 4 weeks later stating that my inquiry on of my account shows my next payment is due XX/XX/XXXX in the amount of {$1100.00}. The payment has increased {$100.00} per month because they said I was {$790.00} short of escrow money where I would have been ahead by {$330.00} if they had refunded the money they owed me. The {$330.00} would have been due to an extra payment I made in XX/XX/XXXX because they sent me a new bill within XXXX days of receiving my XX/XX/XXXX payment. 
I am XXXX years old, retired and on Social Security. With increases in my bills and no COLA increases in income I now do not have enough money to pay all my bills. I do not feel I should have to lose my house because Home Point Financial can not fix their errors and refuse to answer questions. 
Thank you for your consideration, XXXX
For the past 6 months I have tried to communicate with XXXX in regard to the unknown errors they have placed on my credit. I am trying to obtain financing and i have put it off for months in hopes they would correct the errors/discrepancies but they have not .... I cant even get a response. I have even wrote the collection agency and they have ignored me as well. The same unknown collection account appears on my credit twice by the same company. To date the discrepancies remain. I have spoke with an attorney and plan to file a Federal Law Suit by XX/XX/XXXX if the following 3 accounts are not deleted by XX/XX/XXXX. I have already waited 6 months!! XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX ARS ACCOUNT RESOLUTION Account Number  XXXX
We purchased our primary residence at XXXX XXXX XXXX XXXX,  XXXX XXXX, MA XXXX for {$470000.00} in XX/XX/XXXX through a primary mortgage loan and second provided by Well Fargo. Even with the sharp decline in property values in XXXX, in the intervening 10-year period the property has never appraised for more that {$350000.00} through at least 3 other independent appraisers. Consequently, we can not refinance the house through any alternative lender ( even through the VA ) since, after making payments for over 13 years, the outstanding balance is {$370000.00} and at an exorbitant interest rate of 6.875 %. We have contacted Wells Fargo two ( 2 ) times requesting a refinance ( combining both the {$300000.00} primary and {$71000.00} second into a single 15-year mortgage or simply refinancing the first at a lower rate ) but, they are unwilling to make any changes or amendments. We are of the belief that Wells Fargo artificially inflated the appraisal in XXXX and now, through interest rates that are double the current rate and due to a fraudulent appraisal, they are unwilling to provided us with any recourse or alternative due to their deceptive lending practices. Additionally, these practices and timelines are perfectly consistent with the issues surrounding a {$2.00} XXXX fine wherein Wells Fargo artificially inflated applicant 's incomes ( they must have inflated ours to qualify for the fraudulently inflated appraisal amount ) and XXXX XXXX fine from you and the Office of the Comptroller of the Currency ( wherein Wells Fargo inflated the appraisal in order to collect additional fees based upon the higher property value ). I hereby request the assistance of the CFPB in helping us resolve this issue with Wells Fargo.
On XXXX XXXX agent XXXX from Afni collection agency called us and tried to collect money, we told him that we dont want them to contact us by phone or mail because we are in no dept and the has is in dispute, this keep badgering us about we should pay them money, my wife told him that we are disputing this dept he still insist with the credit bureau we hang up the phone, my wife then check with the credit bureau 's and at that time she realize that this credit agency made report to the XXXX bureau 's within fifteen minutes of the conversation with them.
XXXX XXXX XXXX purchased a collections account from XXXX XXXX XXXX XXXX, who bought it from XXXX XXXX, on XX/XX/XXXX. The purchased electronic files that does not include any contract or any other identification. I have asked for copies of all documents Portfolio Recovery purchased on this account and have not received them. Portfolio keeps fraudently reporting this account because they do not have the documents on this account. The keep telling me they are ordering this from the original creditor and have not and it has been beyond 30 days required by law for them to respond. I explained to them this account is not mine- I did not open it and they can not not even show proof of when it was opened. I am demanding that this account is removed from my credit profile immediately- I have filed multiple reports through the Consumer Federal Protection Bureau and they continue to send me the same few statements they have and not the full documents I have requested. The most recent letter they sent on XX/XX/XXXX said to call them to request copies of payment history when I called that same very day and requested this information verbally as well as through the Consumer Federal Protection Agency prior- They are ignoring my complaints on Purpose and does not have the documents needed
I am experiencing issues involving my identification which has been used in the opening of medical accounts that have been appearing on my credit reports since XXXX over the past 3 years I have asked that the ( XXXX ) bureaus assist me with acquiring verification from this company so that I can move forward in the removal of the entry from my credit history.
In XX/XX/XXXX, I purchase a XXXX XXXX XXXX - financing through XXXX XXXX XXXX XXXX. 
In XX/XX/XXXX, that loan was sold to Santander Consumer USA. 
XX/XX/XXXX, the XXXX 's engine timing chain slipped and destroyed the engine. The vehicle was towed to XXXX XXXX in XXXX, Indiana. The cost of the repair was going to be well over the remaining loan and did not have the funds to proceed further. 
Upon contacting Santander, I was told that the best course of action would be to sign the vehicle over as a voluntary repossession. With Indiana having being a non-deficiency state ( under {$4000.00} ) I would not be held liable for the difference of selling the vehicle. I was a year from paying the vehicle off with a remaining balance of approx. {$2300.00}. They sent paperwork to XXXX XXXX which I signed to release vehicle and financial obligations, however never received any copies or had any further communication with Santander. I was not even given notice as to what the vehicle did sell for. However through review of updated credit report it was identified that the loan was sold ultimately to XXXX XXXX XXXX , XXXX which has already been disputed and removed for report ( Case number : XXXX ) Now in reviewing the XXXX report ; new activity was started on XX/XX/XXXX, fours years after this was said to be settled.
Experian is showing negative information that is over 7 years old on my credit report for XXXX accounts. These items need to be deleted from my credit report as the are all past the original delinquency date. 
1 ) XXXX Mortgage loan # XXXX is showing late payments starting XX/XX/XXXX through XX/XX/XXXX. 7 year mark ended XX/XX/XXXX and all negative notations should be removed past original delinquency date. 
2 ) XXXX Mortgage loan # XXXX shows late payments from XX/XX/XXXX through XX/XX/XXXX. 7 year mark ends XX/XX/XXXX and all negative notations should be removed. They are past the original delinquency date. 
3 ) XXXX mortgage loan # XXXX shows late payments starting XX/XX/XXXX end ending XX/XX/XXXX, 7 Tear mark ended XX/XX/XXXX and all negative notations should be removed. They are all past the original delinquency date.
CHEXSYSTEMS Consumer ID : XXXX XXXX  XXXX XXXX checking account ending in XXXX was reported to chexsystem by XXXX as " Suspected fraud activity ''. 

After filing the dispute chexsytems, they told me XXXX XXXX XXXX reported information was verified. 

But now they reported closure status : " SETTLED IN FULL '' - Attached copy of investigation from chexsystems. 

I have disputed transactions on XXXX, but they closed down the account and reported it " SUSPECTED FRAUD ACTIVITY ''. Account has no balance as stated in the investigation letter by CHEXSYSTEM Report. 

I have every right to report any transactions i didnt do as " Unathorized '' with the bank. But XXXX closed out the account because it has a balance i had to pay for some of the disputes that i lost which i should have won. They reported it as " suspected fraud activity ''. 

It is very unfair and it has a very barring affect on my life. Please help me settle this removal of " fraud ''. 

I am willing to provide and go to press if requested. Please check the attachment of the investigation letter from Chex. 

Thank you, XXXX XXXX