WillisBack/dataset-financial-user-claim huggingface dataset:
Western Union is sending me email statements to my email address in regards to somebody else My WU account. I have contacted them and they keep refusing to look at the issue since they claim they can not find anything, still I have proof of the emails I receive from them, and I have verified that they indeed come officially from Western Union and is not phishing or spam.
Hello, On XX/XX/XXXX I sent the first of many letters to all three credit bureaus XXXX Experian and XXXX in regards to verifying the accounts on my credit report. I requested that they please send me copies of the documents they have in their files, as of this date, they used to verify the accuracy of the accounts I listed in the letter. I asked them to delete the accounts immediately if they did n't provide verification of my connection to these account. The original signed contract between me and the company. Their response was to send me a copy of my report which is not verification that the account is valid Under the Fair Credit Reporting Act. The dates of the letters are as follows First Letter XX/XX/XXXX - XXXX XX/XX/XXXX - Experian XX/XX/XXXX - XXXX XXXX Second Letter XX/XX/XXXX - XXXX, Experian, XXXX Third Letter XX/XX/XXXX - Experian XX/XX/XXXX - XXXX, XXXX Fourth Letter XX/XX/XXXX - XXXX
On XXXX XXXX, 2017, I attempted to post an online payment at Nelnet 's website. Upon clicking the submit button, the site told me to wait ten minutes to submit my payment. This was different the the usual " working '' icon with the accompanying message warning not to hit the " Back '' button. I exited the program. There was no confirmation that any payment was posted. After 11 minutes submitted my payment again. This time the payment completed normally without error. On XXXX XXXX I discovered that XXXX payments were authorized. I contacted Nelnet and was told that it would take 6-8 weeks for a refund of one of the payments. This placed a hardship on my finances, as I was left with sufficient funds to make a full payment on a credit card, and thus had to incur interest charges. I believe the website may be confusing borrowers into authorizing more payments than they had intended and paying fees for insufficient funds. Nelnet should be investigated for their business practices.
I have been corresponding back and forth with XXXX and now XXXX for the past year regarding the late payments they are reporting on my account with the credit reporting agencies ( XXXX, XXXX  and Trans Union ).

XXXX is reporting two 60 day late payments on two separate accounts! Not 30 days, but 60! I have asked for explanation and proof that these payments were billed as payments due and not received. I am not accustomed to NOT payment my bills. They responded by providing the attached statements for both accounts. Neither of the statements show when a payment was actually due or the amount that is due. They do show when I made payments and how much was accepted and posted to interest. It also has a column for Late Charge paid, but no amount is ever listed in that column, even when payments were made. 

My argument is that the accounts have been in forbearance for pretty much the life of the loans, so any payments that I have made has been only when interest payments are arranged, which I get emails when payments are due and I pay them, as you will also see on the statements. There is no indication on the statements that payments were due in XX/XX/XXXX or XX/XX/XXXX. You will also see attached, a statement from XXXX notifying me that both loans was back in forbearance beginning on XX/XX/XXXX. When I submitted this to XXXX, they said that the payments were already scheduled for XX/XX/XXXX ( ahead? ), but I never received any notification of payment due in XX/XX/XXXX.

There are also other dates listed on the statements where there was no payments received that they have NOT reported late. Therefore, how does this prove that the late payments they are reporting are accurate? 

I am asking that the CFPB review the attached documents provided by XXXX and myself and help me to determine whether they have legitimate reason to report the late payments at all. Let alone 60 DAYS late! Come on!
I have a second mortgage with ocwen loan servicing, it was included in my bankruptcy filed XX/XX/XXXX,  on XX/XX/XXXX ocwen sent out a response to final cure payment saying I was behind XXXX. That same day, they added almost 1000.00 to my principal balance. I then sent to the courts proof from my bank showing I never missed a payment over the entire 5 years. The courts granted me a discharge on XX/XX/XXXX. On XX/XX/XXXX my wife and I applied for a refinance with XXXX XXXX, this has been tough because Ocwen wont report my payments over the last 5 years, because we didnt reaffirm our loan. On XX/XX/XXXX I called ocwen to ask why my principal balance went up XXXX between XXXX and XXXX statements, I then mentioned I was trying to refinance, and needed them to fix their accounting errors, I asked to talk to someone in that department, but was told they cant take calls, and would get back to me by email. I then went onto ocwens web site and found a tab for problems with payment, so I typed in my problem, and downloaded 20 pages to support their mistake. 5 days later ocwen who had refused in the past to report our payments to the credit bureau, decided to report to XXXX that we are 180 days late and the account is now open, and nothing else, no on time payments over the last 5 years or anything. This brought my credit score down from a XXXX to XXXX, and all happening days before we are supposed to close in our new loan. I have been told by the Bankruptcy department at ocwen that they dont know why, they can only see what I can on their web site, and will not allow me to talk to anyone else. Can someone please help, I have all the documentation.
Opened a checking and savings account with 53rd bank, branch location Fifth Third Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. During XX/XX/XXXX bank received a Fraudulent garnishment claim from a XXXX XXXX, 53rd bank then placed a hold on both my accounts for a total of XXXX. The funds in my account at the time was exempt from all garnishments, pension payments are exempt. 53rd then informed me that they can not close out my accounts until the garnishment is paid in full {$14000.00}. Despite knowing the accounts were exempt from this garnishment 53rd removed {$10000.00}, then XX/XX/XXXX, 53rd removed more of my except pension payments a total of {$15000.00} was removed from both my checking and saving accounts paying off and exceeding the amount of this garnishment. During XX/XX/XXXX I noticed that my credit report has the total amount owning I then contacted the bank and was informed that they do not know what happened to the monies removed from my account. After contacting the 53rd corporate offices, I was informed that a check for XXXX was removed from my accounts but they are unaware of what happened to {$5000.00} or where it was sent. Corporate office was also unsure of why the funds was removed at all when monies were exempt from garnishments.
I received a loan from a local credit union to pay off my student loans serviced through ACS. The Credit Union sent in the payoff money. The money was applied only to one of my 5 accounts, leaving payments due for XX/XX/2017. In the middle of XX/XX/2017, I called ACS and was told there was a huge surplus on one of my accounts, and that this surplus could be applied to the remaining 4 accounts. I checked and this did n't happen. I called ACS back and was told they could not apply the overpayment to my other accounts, forcing me to go into a forbearance request. They said it would take 30-60 days to receive my overpayment back, at which time I 'd have to make the payment to ACS myself. 
I am going to be very upset if I am charged any fees or dinged on my credit. How can ACS hold my money interest free and lie to me on the phone?
I was completely duped by Synchrony Financial ( www.synchronyfinancial.com ; XXXX : SYF ) which was spun out from GE ( XXXX ). This company claims its roots in helping American 's purchase GE appliances in the Great Depression. What a joke! 

The story is that I purchased some sports equipment ( {$7500.00} ) for my rehabilitation from XXXX XXXX using what I understood to be a 0 % finance credit account for 18 months after which point I would then start to incur finance charges ( if not paid in full ). That 's perfectly acceptable to me, but XXXX things happened, ( 1 ) They charged me for all past interest on the card ( {$2600.00} ), and ( 2 ) the interest charge was a mind boggling 29.99 % APR. Outrageous! The sales person advertising the option at the time, sold it as why not take the credit, its basically free and then you just pay it off. I was shocked that such a thing could actually happen. 

Talking to their customer service of course be me online with call center in XXXX speaking with people that could only manage to recite company script. Given the accuracy and eloquence of the description I 'm quite sure that they have it printed out as part of the call center representative training. I think this really vilifies Synchrony, i.e. as a call center representative going to get numerous calls from angry people when we nail them with the steal their money interest charge, here 's what your read to them. 

I 'm sure they covered themselves in fine print legalese or perhaps it was lost in translation when GE spun out Synchrony, but I never received a call or any formal written notice that I was about to be charged nearly XXXX % of the amount I borrowed. One would think that your about to be charge {$2600.00} warrants at least a call to the home or a written notice. 

I basically assumed since I was then dealing with GE ( at the time ) that I was dealing with a company with 100+ years of integrity and strong reputation. Bad Assumption. It is the modern era, so I set up auto-pay to insure timely payment of my debt and I also set up paperless statements to be a good planet citizen. My bad. 

I 'm disgusted more with myself at being fooled, than with Synchrony who obviously know how to play the game in taking advantage of people. 

I filed this complaint to maybe help others from being fooled by Synchrony. 

They win again, buyer beware.
I tried almost a month ago to file a complaint against Transunion for not allowing me online access to dispute some information on my credit report, it remains the same. I called to dispute over the phone on XXXX/XXXX/2016, she gave an XXXX name that I can not pronounce or even try to spell. I gave information regarding the collection accounts I was disputing but when we got to the inquiries I was told I would have to contact these companies to have them removed and she would give me contact information for each company. There are numerous inquiries on my account and feel contacting the companies are a part of the investigation process. If I did not request anything to be run against my credit report, why am I the one calling, I do n't know these people, trying to relay this information is so difficult when talking with an unknown company and how am I to be guaranteed they will be removed by Transunion. Transunion is SO difficult to work with. If I had a choice to not use them, I would not. I just want to clean up my credit to reflect what I DO, not anyone else. I have recently learned that my internet had been hacked and found numerous log in attempts from several " supposed countries ''. I had noticed many inconsistencies with my email and at one point was not receiving voicemails on my phone for the phone company to tell me my voice mails were being forwarded to another number. These credit bureaus being so difficult to work with, can cause bad credit. I work full time and do not have all day to call these companies, I have XXXX credit bureaus to deal with and so far only Transunion wants me to do the work for them.
Experian sent me letter in response to dispute about to collection accounts saying that I need to give them proof like a cancelled check, letter of discharge from bankruptcy or letter from the IRS, however I submitted a copy of my letter from the IRS stating that I 've been the victim of identity theft. This was my second dispute, for the first one I was given a letter saying the account was " Verified '' however, they refused to provide any proof. I contacted them to explain to me about verifying the account, they stated they would put a fraud alert on my account and look into it.
XXXX 's client XXXX XXXX is an identity theft victim. Someone used his information without his consent to to apply for a Target account ; the account was established and Target contact XXXX XXXX and he verbal confirmed the account was openedXX/XX/XXXX fraudulently. Target was then officially notified in writing of this fraudulent activityXX/XX/XXXX via certified mail with a return receipt of the dispute information. A credit report was obtained shortly after that dispute and Target was still listed as a negative account ; at that time the CFPB was notified CFPB complaint ; D FOR COMPLAINT SENT TO TARGET CREDIT CARD XXXX  XX/XX/XXXX ; however no communication from Target to our client was ever made. As of this morning a credit report from XXXX still lists this Target account on the credit reoiort, This is now a violation of the FCRA and my clients consumer rights.
Spoke with collector, XXXX and was spoken to in a derogatory tone, she refused to provide validation, she told me to go back to original creditor to get my validation, she then stated she is sending invoices, I told her that is not proper validation and she hung up, I called back and spoke with XXXX XXXX, he was just as rude and bullying as the last collector I spoke to, he forced me to send him a letter stating my dispute, I did, I called to make sure he got it and he again was condescending and rude, I called again a few days later and spoke with XXXX attorney XXXX XXXX and he refused to do anything- ( XXXX never gave me a mini Miranda and XXXX and hung up on me when I asked him to remove this from my credit as it is not mine.
This is my second attempt to correct the issues with this organization. 

XXXX XXXX XXXX will respond to anything from the cfpb almost immediately, which is why I am using this form of complaint once again. 

XXXX XXXX XXXX has misreported for over 90 days on my Transunion report egregiously. 

According to my findings, XXXX XXXX has not reported payments for XXXX, XXXX, and XXXX of 2018. 

Since this is beyond the 90 day period for reporting as stated by the FCRA, I am seeking a goodwill adjustment from this company to remove the repossession remark on all XXXX major credit reporting agencies. 

You can see my findings in the attached images below. 

I have tried contacting XXXX XXXX since this problem started only to have them ignore my requests for updating. 

Thank you, XXXX XXXX XXXX
Their is a property foreclosure sale set for my home XX/XX/XXXX. The state of Tennessee requires a 30 day notice be given prior to a property foreclosure sale being set, the letter is dated XX/XX/XXXX and the sale is XX/XX/XXXX. I have resubmitted a modification request and financials. I do want to keep my house. I need your help to assist me in getting my mortgage modified. i want to keep my home. Thank You
It is alleged that I co-signed a student loan for my son, XXXX XXXX XXXX in XXXX, 2005. I dispute the validity of that for the following reasons:1. At that time, I was judged XXXX by the XXXX Administration. All my affairs, including back accounts and financial decisions had to be approved by an administrator who was approved XXXX I did go with my son to the Texas XXXX XXXX XXXX XXXX and spoke with a financial person. I was not considered a valid financial participant by them. 
2. The signature is not mine. I am left handed, and whomever signed my name is a right handed person trying to write left handed. 
The XXXX, TX police took a report. They would not file charges because my trip with XXXX to the school was considered an indicator of my willingness to assist him. 
The XXXX. has ruled XXXX. 
Texas XXXX XXXX in XXXX, TX, will do anything including falsifying documents and lying to prospective students about job prospects in order to get guaranteed funds from the government. 
Can you assist in getting this removed from my credit report?
I used money gram to send {$200.00} to FLA.to a XXXX XXXX and feel I was scammed by these people, I was contacted by a XXXX XXXX XXXX telling me to send money for my share of winnings on XX/XX/2018
XXXXXXXX XXXX fee practice I made 2 payments to pay off a balance. 

Original purchase date XX/XX/XXXX for {$41.00} XXXX statement rec 'd XX/XX/XXXX via email Minimum payment on statement : {$27.00} due XX/XX/XXXX. 

Made the minimum payment of {$27.00} online and scheduled it for XX/XX/XXXX due date. 

This appears on the statement : MinimumPaymentWarning : Ifyoumake onlytheminimumpayment each period, you will paymore in interestand it will take you longer to pay offyour balance.For example : If you make no additional charges using this card and each month you pay ... Onlytheminimumpayment You will pay off the balance shown on this statement in about ... 2 months. 
And you will end up paying an estimated total of ... 
Onlytheminimumpayment 2months {$42.00}. 

XXXX statement rec 'd XX/XX/XXXX. 
New Balance {$16.00} due XX/XX/XXXX ( {$14.00} + {$2.00} Fee added ) Made payment of {$16.00} online and scheduled it for XX/XX/XXXX due date. 

XXXX statement rec 'd XX/XX/XXXX Statement balance of {$2.00} Statement shows {$16.00} - {$16.00} + {$2.00} fee. 
{$2.00} payment due XXXX XXXX. 

This is my complaint. I paid the balance on the due date that included a {$2.00} fee and now they are charging another {$2.00}. I corresponded 2 x and received 2 replies. 
I don't accept the explanation as I don't think it's right to charge a fee after the balance has been paid off and on time. 

Here is the final reply : Dear, Thank you for taking the time to respond to our most recent reply. It's my pleasure to assist you. 
I understand your concern regarding the interest charge appearing on your account. 
I would like to inform you that an interest fee is charged on your account when you carry a balance for two or more months then pay off the account. If you have been paying less than the full balance of your account and you then decide to pay your balance in full, you will be charged interest on your average daily balance from the first day of the billing cycle through the date your payment in full is received. The interest charge will appear on your next billing statement. 
As always, you can avoid all interest fees by paying your balance in full every month. 

In the future, you can also process your payments using any of these options : Pay in any of our stores Pay by mail Pay by Phone If you have further questions or comments, please contact XXXX XXXX Credit Customer Service online at XXXXXXXX XXXX XXXX by selecting XXXX XXXX Credit Card , or by telephone Monday through Saturday XXXX-XXXX and Sunday XXXX at XXXX. 
Sincerely, XXXX XXXX. 
XXXX XXXX Credit Customer Service XXXX Now you can pay your bill on-line at XXXX XXXX XXXX
I looked at my credit report today and I found inaccurate information. I have never lived in XXXX, IN. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. Please remove the following addresses they are not mines XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX  , OH XXXX XX/XX/2014 XXXX XXXX XXXX , XXXX , CA XXXX XXXX XXXX XXXX , XXXX  , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX  , XXXX , IN XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX XXXX XXXX,
I have filed a complaint with CFPB (  XXXX  ) an d Shellpointe ha s responded to you and I have seen the response. I have attempted to contact them but they will not respond to my calls. I would like to know the status of my refund.
XXXX XXXX XXXX is calling me everyday about my student loan debt and harassing my wife as well everyday, when we have a high risk baby at home who needs 24 hour care and sleep. They are demanding I have to pay or my wife pay whom is a stay at home mother and takes care of our children and her sick grandmother. They yell with a threat to pay the total amount of 75,000+ dollars for private student loan debt. They are not my loan owner lender originator nothing and will not work with me just like XXXX would not work with me when I only make XXXX a year with a family of XXXX and 3 dogs. How in the world does their math equate me making any type of payment. And they keep calling me everyday telling me to make the full total payment like my financial situation changed and I just won the lotto jackpot overnight. I told them stop calling my wife, she has enough to deal with already and she did not create this debt. If you have a solution on how we can work something out I all ears but this is just ignorance on you and your company to call everyday making demands of total payment when I get paid today the same as yesterday and its enough to feed my family.
I was contacted on Saturday about a loan I supposedly took out in 2011 from XXXX XXXX XXXX XXXX XXXX XXXX if I paid {$590.00} that day, the issue would be resolved even though I owed {$790.00}. When asked the original amount of the loan, XXXX could not give an answer - just advised somewhere between $ XXXX {$500.00}. When doing research on this Rosen Management, come to find out they have multiple complaints filed against them. A phone number for XXXX XXXX XXXX was found and called. They knew nothing about a loan, yet tried to sell me Protein Muscle Builder for body builders? I was then contacted today by a local number telling me legal action was going be taken if I did not pay my debts - basically calling me a deadbeat. When asked to send me the validation of debt paperwork, along with how to dispute this fraudulent activity, the gentleman declined. Per state of Wisconsin law, I have the right to request this information and it has to be sent within 5 days. Instead I was advised that my employment information had been verified and I can be expecting my wages to be garnished before being hung up on. This is not a legitimate company, and according to my attorney I have the right to request the above paperwork. Complaints have also been filed with the Federal Consumer Protection agency, along with the Consumer Finance agency.
On XXXX/XXXX/XXXX Equifax announced a massive data breach that has compromised personal data of XXXX43 million U.S. consumers. A website provided by Equifax allows consumers to enter their last name and the last six digits of their SSN to determine if their personal identifiable information was compromised. An inquiry on their website indicated that my personal information, as well as that of XXXX other family members, had been compromised. Equifax is offering " free '' credit monitoring/identity protection for one year. ( Does anyone else see the irony in this? ) Experts recommend placing a credit freeze with the three major credit bureaus as a best practice to help prevent unauthorized use of a person 's identity. As a resident of Oklahoma, law allows the credit reporting agencies to charge me {$10.00} ( +tax ) to initially place a credit freeze, to temporarily lift the freeze, and to permanently remove the freeze. I have attempted to reach Equifax by phone to discuss this matter to no avail. After a lengthy hold, the call was disconnected. A second call was placed and answered by a foreign call center staffed with representatives whom do not speak XXXX as a primary language. Upon asking to be transferred to an XXXX  agent I was placed on hold in excess of 30 minutes and I terminated the call. I then sent an email to XXXX XXXX, president of XXXX XXXX XXXX for Equifax. I have not received any correspondence from Equifax.