WillisBack/dataset-financial-user-claim huggingface dataset:
I have disputed the late payment on this XXXX XXXX XXXX for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender,  financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Good morning, this is my third complaint about this company. My last complain number is XXXX. This company is a master of deception. Our first complain was in XXXX. they said they would help us with the repairs of the car, and now their offering to pay us XXXX out of a XXXX dollar tab. Than i offered them to accept if they would finance the XXXX and they said no. And then i offered them to help me with the XXXX and i would buy my own engine, and i would have my own mechanic put it in and they said no. And then the representative claims we drove XXXX miles when the claim clearly states the problems were present before we bought the vehicle. They are unwilling to work with me.
XXXX XXXX has failed to correct my report. It's reporting erroneous, false and incomplete data to all three credit bureaus. I have called five times over the last 18 plus months to get them to make corrections. They have failed to do what's required under the law. 
Balance, payment amount and status dates are not being reported currently. 
Data is incomplete and has caused me credit problems. 
Acct # XXXX Vin # XXXX
I purchased an item on XXXX ( item # XXXX XXXX board for XXXX   XXXX laptop ) from ( XXXX seller XXXX ) on XX/XX/XXXX. It wasn't shipped until XX/XX/XXXX. The item arrived into my mailbox on XX/XX/XXXX. USPS tracking # XXXX. Due to a XXXX in the family I had to fly out of town and didn't get a physical posession of it upon my return on XX/XX/XXXX. on XX/XX/XXXX, 3 days before sellers 60 days warranty expires, XXXX board mysteriously dies. The computer is completely useless. I have tried contacting the seller, but all I got is the run around. I filed a dispute with paypal ( Claim - # XXXX ) An hour later it was closed with explanation. 
Status After careful consideration, we're unable to decide this claim in your favor at this time. 
The listing accurately described the item you received.
I requested my free annual credit report from all three companies but only received one from XXXX and it was full of errors, appearing as if my credit was combined with someone elses. I could n't access XXXX or Equifax because the security questions asked for me to enter were based on someone else ( addresses I have never lived at, accounts never opened etc. ) I do n't think anything was stolen or my identity taken but it definitely needs looking into.
Currently having public records being reported to all three credit bureaus incorrectly ; was made aware that effective XXXX XXXX, XXXX all public records that are not being reported accurately will be removed which has not happened for me. I have Tax Liens and Bankruptcies that are not being reported correctly that have not been removed.
I have no idea where this debt came from. The collection agency has not mailed me enough information to verify that the debt belongs to me even though I mailed them a certified request. They only mailed me a letter giving me the name of the hospital and amount. They refuse to provide me legitimate proof that this is my bill such as the services provided, the date of service or my signature. I also never given a chance to dispute the debt. I never received letter or phone calls in reference to this debt.
I am trying to get my mother off as a co-signed on my loan. I have reached out and even talked to a rep. That rep never got back to me after following up with them numerous times. My emails and phone calls just never were answered. We have been paying for almost 8 years now and have never been late on a payment.
I sent them 2 letters one through normal mail and one certified return receipt they did received the letter they have broken violating Federal law.
I have made XXXX prior complaints against Chase regarding my mortgage situation. However, since my last filing of complaint it has come to my attention that Chase is moving to foreclose on me, even though I am in an active trial payment plan agreement with them. As I stated in a prior complaint, I contested the way that Chase calculated my payment plan, however, I 've been making payments on the trial payment plan anyway, and they have been accepting my payments and cashing my checks. However, this past weekend I received a solicitation mailer that suggested that there is a foreclosure scheduled on my property for XX/XX/2017 and I confirmed this online with XXXX XXXX County Public Trustee office. I also contacted the executive office of Chase, and the representative confirmed that my Trial Payment Plan is in good standing, and also confirmed the foreclosure scheduled for XX/XX/2017 which the representative acknowledged that they can not do, and he would send a message to XXXX XXXX to return my call. However, multiple messages to speak with XXXX XXXX ( Sr. Legal Specialist ) have been sent and she has never returned my call, stating that she will only speak with an Attorney and even though I am representing myself in all matters, she still wo n't speak with anyone but an attorney. Therefore, I 'm unable to speak with Chase about anything on my loan, and up to this point although the CFPB has forwarded my complaints to them, they to communicate with me, my authorized representatives, and even a member of Congress. Is this what happens when someone does n't agree with Chase, they lose their home?
I was a student at XXXX University in XXXX, CT. I returned to school to complete a XXXX certificate. I filled out paperwork to have my loans deferred. I was notified that paperwork had not reached XXXX XXXX XXXX. I gathered paperwork for them again and sent it to my financial aid advisor to send to the loan company XXXX which I still have the email chain of this conversation ). XXXX I was notified that the loan had never been deferred and was sent to collections XXXX Regional Adjustment Bureau XXXX. I have been trying to work with the school and the collections agency to explain that this never should have happened. I have been notified by my school that my financial aid advisor has been in and out due to medical concerns and that there are now other discrepancies with my financial aid. I feel as though the school has failed to do their jobs and now I am suffering at the hands of a collection agency. I have tried to take out a private loan for the balance in collections, however I have been denied. I do not know where to go from here, please help!
In XXXX we applied for a cash-out refinance for our primary dwelling. After running our credit and taking our payment for the appraisal, the lender did not provide a Good Faith Estimate until a month after the fact. The initial intent was to do an FHA Cash-out Refinance and were told that the company could do not FHA, they then retracted that statement citing they had an investor who could. They finally provided a change in circumstance Good Faith Estimate for the new loan product after the RESPA timeline permits. We are still in the process of refinancing with us constantly having to reach out to the lender to inquire on the status. Each time they answer, it is a general reply of " we are waiting on underwriting ''. We are now on month XXXX of the refinance, we have paid for XXXX appraisals and have had our credit pulled multiple times, adversly affecting us if we were to try to go with another lender for refinancing. We still have no clue on the status of the loan.
while withdrawing cash from the atm i only received XXXX dollars of the XXXX i was charged for. {$160.00} was sucked back into the atm. i filed a complaint with the bank to do an investigation and after a week i have n't gotten any information nor gotten a provisional credit as promised
On Monday XX/XX/2018 My wife and I called into the company to ask if we had any pending or scheduled payments that were going to be coming out. The lady on the phone told us no and that nothing will be taken out. 

On Wednesday XX/XX/XXXX {$240.00} came out and made our account negative. We never authorized that payment and if there was a scheduled payment which nothing showed online or in the app that we had one then nothing should have been taken out. When we called the Monday before we were going to cancel any pending payment so when they told us no that there were no pending payments is where i have a problem. We called that same day ( Wednesday ) and the guy on the phone told us it would be 24-48 hours and gave us a confirmation number of XXXX. 

So on Friday, XX/XX/XXXX the money was still not back into our account. We called and spoke to another guy. He said he doesn't know why it was never refunded and said that he would like to expedite the process and asked me to send and email with a voided check. i did that and asked when this would would be back into my account and he said 24-48 hours. 

So on XX/XX/2018 the money still wasn't into our account. We called and spoke to the " supervisor '' and she said it will take 24-48 hours and i asked about the overdraft fees she asked us to send in proof which we did and she advised that she will send it over to the accounting department so we can get our refund. 

So on XX/XX/2018 we still haven't gotten our money. We called and asked where it was at and they said that since we were set up on recurring that it was going to be mailed to us. Told them that everyone else we have spoken to has told us that it will be going into our bank account not getting mailed and that we want our money back now. 

So today XX/XX/2018 we still haven't received anything. We called again and told them that we are done with them and just want our money back. Guy on the phone said the check was supposedly mailed out on XX/XX/XXXX but only for the payment amount not for the overdraft fees as well. We sent in more documentation for that and he said he will expedite it. 

I just want our money back. I have never had a place like this give us a run around and cause us so much harm in our financial life. Normally when they give the days it will be refunded it normally is refunded. I have gone days without eating or money for gas because we haven't had money because they lied to us so many times. it should have never taken this long.
Unauthorized credit Inquiries listed on XXXX credit report. 
No one hady permission to pull credit Inquiries. 
Multiple times credit inquires on XXXX Please remove them XXXX refuses to remove them.
This is a follow up to a complaint about my servicer Seterus refusing to send me my monthly mortgage statements. After I submitted  the 1st c omplaint, instead of responding, they sent me a notice telling me my payment was not received and was not 31 days late ( see attached ) and a modification package.   My payment was paid including the late fee, that was incurred because they refuse to send me my monthly mortgage payment.       This is an example of the company 's incompetence.   SEND ME MY MONTHLY MORTGAGE PAYMENT STATEMENTS - ON TIME!!!!
The company XXXX XXXX has placed an account on my credit report for a XXXX account that was closed properly in XX/XX/2014. According to my contract with XXXX if I did not receive service in my home I was allowed to terminate. I terminated the account after several attempts to fix the service. I completed a XXXX complaint against XXXX in XX/XX/2014. This derogatory mark on my credit report is a violation of the FCRA.
I signed up for an SPG credit card through AMEX with a welcome bonus of XXXX SPG points after XXXX spend in 3 months. The first time I applied it gave an error on the page, but the application still went through. So I applied again. One card was sent to my old address and the second was sent to my current address. I spoke with customer service and they advised me to cancel the card sent to the wrong address. After I spent XXXX dollars I never received my bonus, when speaking with customer service they informed me that it is a once in a lifetime bonus and since it was my XXXX card I was not eligible. I explained what happened and they said that they would forward a letter to another department and almost certainly due to the situation I would receive my bonus points after 6-8 weeks. After 8 weeks I contacted them again and they told me that they decided not to give me the bonus points, but they could forward another letter and I would have a decision in up to 8 weeks! I feel like they are just giving me the run around, when clearly I never received the 1st card and it was sent to the wrong address. Also the first customer service rep advised me to cancel that card.
Ocwen has approved us for a HAMP trial payment plan. After speaking with my relationship manager, I had some concerns regarding the documents I received. 
1 ). Will the holder of the note still be the securitized trust, Option One Mortgage Loan Trust 2006XXXX with the loan modification? 
2 ). If OOMLT 2006XXXX is the current note holder, why is the new unpaid principal balance with the loan modification higher than the balance in the trust? Unpaid principal balance in the trust is {$520000.00}, but the new unpaid principal balance in the loan modification is {$580000.00}. 
3 ). According to the HAMP website, we could earn up to {$10000.00} in principal reduction for making our mortgage payments in full and on time. But the incentive information provided by Ocwen states we can earn {$5000.00} in principal reductions for making our mortgage payments in full and on time. Why are we not eligible to receive the full {$10000.00} in principal reduction for making our mortgage payments in full and on time? 
4 ). Would like to understand why there was not a principal forbearance? 
5 ). Would like to understand why ca n't our loan terms be extended?
Da y 1 :  Received an " unknown '' phone call, asking where I was yesterday,  XXXX   XXXX ,   XXXX  , in order to drop off some papers. I was very uncertain about what " papers '' these could be, and all the girl said, was, " They did n't call you and tell you? I can give you the number and you can call them first to see what it 's about before I drop off the papers. '' Stunned, I called  XXXX . I was not introduced with the name of the office. Instead, I was prompted to give them my social and some reference number. I was transferred to  XXXX   XXXX , who pulled up a " complaint, '' in  the county  that I live in. I was stunned further, because I am an upholding citizen who does n't violate the law, so how coul d the COUNTY  complain? He went further to state an old credit card company I paid off SEVEN YEARS AGO, in which it would have fallen off my credit ( and it has ), was SUING me after " multiple attempts '' to reach me. He was calm, cool, and collected, casually spewing off the name of the original bank, and then the debt collector it was sold to. I informed him that not only was this very old debt, but one I 'd settled with the bank years ago, and that they never contacted me since, and it was only until last year that I got threatening phone calls and " documentation '' of my original agreement. He advised me to get a hold of them to confirm the debt was paid off, and that if I did n't call him by  XXXX   XXXX  the next day, he would have to proceed with the collection agency to take me to court.     In a nutshell, I called both entities, the originator and the collection agency with no success.     Da y 2 :  Extremely perturbed from the day before, I called  XXXX  promptly to avoid delay. I asked him what he could do without having to go to court. He said the collection agency gave  XXXX  options of payment. I then proceeded to ask him what I could do if I was able to locate the documentation. He began stuttering and would n't give me a direct answer. He said that I would just have to keep trying to call the sources linked to my payment years ago, and that was it. He would n't inform me of how I could take reverse action if I located documentation of my payment. This debt is so old, it is n't on my credit report any longer. He said to call him back when I figure out a way to pay the debt off.   My wonderful fiancee and I have spent HOURS today since getting off the phone with  XXXX , and have come to find that this is an illegitimate practice.     First,  XXXX   XXXX   XXXX   XXXX  is not a public domain, one that is found online to research. They claim to be in a nearby city, but their name and number, again, (  XXXX  )  XXXX , come up as nothing but scam, with hundreds of complaints against them. A true attorney and legal office would have viable public footing online, to where you can see and review their practice, for their benefit of acquiring clients.     If a subpoena were going to be served, they would not call ahead of time to locate you. The point is to get you to accept the papers without prior notice.     I am now at the point where I feel illegally harassed and threatened, and feel the need to take legal action myself.
I checked my credit report and saw that Navient ( originally XXXX XXXX ) is still reporting as a late payment every month. This account was charged off years ago. So I sent them a letter asking for proof of the account with documents showing my original signature. Never got response. I took it to the credit bureaus which I also filed investigations in each one of the bureaus.The 30 day timespan had lapsed and still no answer or resolution. I again called the bureaus and was told by two of them that the account was re-aged to XX/XX/XXXX? Again another letter to Navient asking to show proof of where I made transaction with them and why the account was re-aged? The only correspondence I received was a letter stating if I paid {$5800.00} they would report the account closed. I ca n't afford that, and this was after the 7 year time span of them reporting on my credit reports. Just last month I called the XXXX office to see what could be done and they said nothing because now the account shows XX/XX/XXXX. I was also told that the co-signer that I had listed would fall off after 6 months but NO they still are harassing her. This account is 12 years old now, I was never sued for it and the first time it was re-aged was 3 months prior to 7 years. This is not fair and I need help.
I had my mortgage with XXXX and they sold my loan to Fay Servicing out of XXXX. I sold my house and tried to get a payoff so we could close the deal. They would not give us a payoff in a timely fashion. They said it would take XXXX days and it would come by mail. We ask if they could fax it, email it, etc. and they said know. It 's been two weeks and we missed our closing deadline. They will not return phone calls. I 'm being blackmailed so they can earn more interest from us. They will not respond to our attorney or return her calls. You should be able to get a payoff on your mortgage or any loan in a day.
We have a file with Ocwen, and informed them on XXXX XXXX that their is a Auction from the HOA. Every time we call, they play dump and act like they do n't care, I have informed the XXXX attorney who informed their contact, the payment is due now. They requested info that was emailed on XXXX XXXX and XXXX. Auction is Friday the XXXX of XXXX. 
The mortgage is a XXXX XXXX XXXX.
My daughter who was then over XXXX went to urgent care and signed in ; they even have the form. It was a type of workers comp injury from being a XXXX on which there is a WC case ( they also failed to check her a concussion not even doing a form as the neurologist says they should have but that is another story ) .. They billed me on my account ; I wrote them several times, not my bill, bill her separately and we can send it on to the wc and other insurers, Then when I paid on my bill and marked it was my bill only, they applied it to the charges that were not mine. They dunned me and sent it to an outside bill collector. when I sent a cease and desist letter, do not contact, he then sent me a new demand for payment .Others on XXXX have complained of questioned collection and billing tactics. Even when I wrote the head of the urgent care on XX/XX/XXXX, there still was no correction They even added a debt collection fee. They actually owe me a refund of {$24.00} which I demanded on XX/XX/2018 where through my bill pay I overpaid my bill. They also retaliated and when I complained pulled out an old bill on which the statute of limitations had ran and where I had disputed it and recalled even sent a payment in full payment. I wrote both the collector and the creditor, even sent a copy of the cease and desist statute and there was no correction or refund.
I recently found out that my name was attached and associated with 3 consumer reporting agencies, XXXX XXXX, XXXX XXXX, and XXXX. I have called XXXX they have a check in the amount of XXXX that was wrote on XX/XX/2014, associated with my ID found this out while I went to XXXX to cash a check as I have been doing many years they cant verify an address on file NONE of the addresses i have given them is tied to me, I called XXXX XXXX they gave a bank account that was opened in 2014 with fifth third, I wasnt even in XXXX yet, I disputed this issue with them and they are saying its accurate and its not, I want my signature to be verified, and what ID and address was used, the same for XXXX XXXX its so frustrating all of a sudden I cant cash checks at XXXX or XXXX due to fraudulent accounts Ive never wrote a check in my life and Ive NEVER had a fifth third account. I want this removed from my name, how is it even possible I got 2 different fraudulent items in 2 different cities I can ONLY be at one place at ONE time! I just want them to detach these accounts from reporting against me because they are NOT mines and I do not write checks let alone shop at XXXX and never have I ever been declined to cash a check until recently. I want this fixed, its a negative on me and I do not like it especially since these accounts have nothing to do with me.
I recently paid off my auto loan Volkswagen Credit. At inception of the loan, I was required to send Volkswagen the Ne York title to my vehicle securing the loan. At pay off, I received a letter from Volkswagen Credit stating that I must go to my local Department of Motor Vehicles to obtain a free and clear title, but they did not send me original title back. I do not believe I need new title under New York law but all I need is the original title and the XXXX Lien release document to prove my title is free and clear if I wish to sell the vehicle. By not providing me with the title, Volkswagen credit is causing me to incur undue expense of taking time of work and cost of a replacement title when this is not necessary. I want my original title back to my vehicle from Volkswagen Credit.
I asked via certified letter on XXXX/XXXX/15 for a debt validation to Enhanced recovery co. for an alleged debt of {$200.00} that I owed originally to XXXX XXXX XXXX in 2012. XXXX months have past since my original request and I still did not received any proper documentation ( re : copy of last invoice from XXXX XXXX to my attention ) to support this debt. Without any response from them I subsequently reported them on XXXX XXXX, 2015 to the CFPB, Enhanced finally responded in writing on XXXX XXXX 2015 stipulating : '' Our agency request related documentation materials associated with the account from XXXX XXXX cable. Upon receipt of any materials from our client, our agency will forward the documentation to XXXX XXXX Address on file. " More than XXXX days have past since this letter and I 'm still waiting for the proper documentation validating this debt. 
They are however still reporting me monthly to the credit bureaus.