WillisBack/dataset-financial-user-claim huggingface dataset:
My home mortgage was transferred to XXXX ( Platinum Home Mortgage ) effective XX/XX/2015.I was notified in XXXX XXXX, but I have yet to receive a welcome package or payment coupon book from the new lender. I have struggled to figure out where I 'm supposed to send my house payment and how to pay it online. Previous to the lender transfer, I always made my home loan payments online and on time. Today, I was able to find the new lender website through my own research ( www.phmc.myloancare.com ). I very well could have mailed a check to their address in XXXX, Virginia, and it would have been received prior to XXXX/XXXX/2015 XXXX when a late fee would have otherwise been assessed ). I opted to pay online after I confirmed my account appeared to be transferred to the new lender. While processing the online mortgage payment, I was forced to use the one-time payment option as the lender determined my mortgage was past due ( even though they would only assess a late fee if payment was not received by XXXX/XXXX/2015 ). As such, I was forced to pay a {$5.00} penalty for paying XXXX days after the due date of XXXX. Otherwise, I would have setup auto-pay and been done with the transaction. I resent being penalized for making my house payment on time. It might only be {$5.00}, but multiply that by XXXX of people every month and that 's quite a chunk of passive income. I believe this is an unfair business practice and the lender should be prohibited from assessing such fees, especially in the process of a mortgage transfer over which I had no control.
A fraudulent transaction was made on my credit card on XX/XX/XXXX2017 for the amount of XXXX dollars with a promotional super check that was mailed out to my old mailing address where I would reside with my ex partner. The check was fraudulently used and signed with a forged signature by my ex partner. The check used was not filled out properly, therefore making it non-negotiable. Wells Fargo did not secure my credit card account at all by allowing this check to be processed. I have submitted a fraud claim and a reconsideration claim explaining why this transaction should be removed and cleared from my account but Wells Fargo keeps denying it with the reason that the signature on the check belongs to me, I have explained to wells Fargo that the signature is forged and is not mine. I feel wells Fargo is not taking the time to investigate my case thoroughly. I believe as a consumer I am entitled for my credit card company to investigate this matter correctly and not just use the reason of the signatures matching.
I have been ongoing notifing XXXX XXXX XXXX since XX/XX/2017 of misconduct and mishandling of my XXXX credit card account to date. The random responses from Bank continue to be inappropriate to my clear and direct questions to date. 
Since it appears no one is available with the bank to assist me with my ongoing dispute balance AND mis- handling if my account, I am requesting that XXXX XXXX XXXX : 1 send me a copy of XXXX AND BANK agreement policy and step by step procedures on handling items returned thru XXXX , when And how credits are put back to Consumer accounts and when is bank notified by XXXX if returns. 

2. I am requesting that the bank send me XXXX and Banks agreement policy and step by step procedures for handling a consumer 's complaint, when consumer reports abuse and misconduct with XXXX credit card. This policy and procedures needs to include consumers timeline to report their issues when found, who works on compliants at bank and what is the wait time to hear from bank ( 30/60 days ....? ) This information will help me clearly understand the working relationship and agreements between XXXX and XXXX credit card XXXX XXXX XXXX. Hopefully this information will also give me some understanding as to where there could have been a disconnect with the charging of items and handling of my credit card, from my actual purchases through XXXX : per advertised prices of items and support services to consumers with purchases. 
* Bank response back needs to clearly report what complaint department handles this type of complaint from XXXX card consumers. I am seeking to understand who has been working on my complaint to date, as I have not heard back from them directly with any type of resolution with me acct. 

please send all information through the Consumer Finance website only. 


***I am not getting my answers from the bank about my account and the things that's going on with it, I also have not been getting items purchased as advertised through XXXX XXXX XXXX XXXX. I am trying to resolve where the disconnect has been ongoing taking place with my XXXX credit card and advertising practices for XXXX as the two businesses partner to provide consumers with services.
On XX/XX/17, CBcinnovis, hit my credit report as a hard inquiry. I contacted all three credit reporting bureaus to investigate and delete this hard inquiry from my credit reports. They have not responded back to me and I sent the certified letters through the United States postal service well over a year ago. This hard inquiry has caused me a great deal of hardship and stress I've been denied credit and my credit score as decreased drastically. According to the FCRA, the credit bureaus has a despot me the consumer, to respond in a timely manner and to report accurate, information.
Upon checking my credit report, I saw that Midwest Recovery Systems had placed XXXX separate accounts, which I have no knowledge of, on my credit as a negative collection. XXXX for {$300.00} and XXXX for {$270.00}. The so-called creditor is Purchasing Power? I have no knowledge of these accounts. There was no account numbers provided. I have had no contact from this creditor at all. I have sent a letter of complaint to Midwest Recovery Systems. I am a XXXX, and it is possible that this debt is my father 's. But I am leery of that also.
I applied for a credit card with XXXX XXXX and they use XXXX XXXX to check my credit. Despite having a FICO score of XXXX, I was denied a credit card with XXXX XXXX. 

They have asked me to contact XXXX to findout why my credit file is negative and I have received no response from them. 

Can you please help me with this matter.
Equifax has a charge off showing on my credit file on my XXXX XXXX account and there was no charge off Equifax had an outstanding amount showing now its a charge off showing and there was no charge off by XXXX XXXX I have provided a letter from XXXX XXXX once again its like Equifax wants to delete or update things one step by one step. I 'm also filing a FTC complaint to Equifax issues and wrong information.
I submitted a previous complaint : Ref Number XXXX The company who is handling my student loan ( RAB Inc ) said the dispute was resolved and it is not. They admitted to me by phone that whomever they bought my loan from finally gave them the records that I was always on time with my payments and not in default. My credit was extremely adversely affected by no fault of my own. Bringing my credit score from XXXX to XXXX. I want RAB Inc to submit a letter to me saying that they will take the derogatory marks off my credit through all XXXX bureaus immediately. I want a letter in writing. This company is ridiculous.
I discovered an item on my credit that was opened in XX/XX/2013 the account in question is a Motorcycle loan from Harley Davidson. 
An ID Theft Report was filled out, and sent to the major CRAs XXXX, XXXX, XXXX. It should be noted because XXXX is now attempting to be in the CREDIT REPAIR BUSINESS they are violating privacy laws sending affidavits to various organizations without the permission of the victim. I requested the CRAs block fraudulent information resulting from identity theft, as required by Section code 605B Block of the Federal Credit reporting Act.. XXXX refused to respond
In XXXX XXXX, I requested an Escrow Analysis because my mortgage payment increased. The increase was due to higher taxes and insurance which I understood, however, the company said they were " allowed '' by law to invoice for more than what is actually owed for escrowed items effectively allowing them a cushion of extra funds in my escrow account. I expressed to them verbally that I can not afford anything over and above what the actual charges are. In XXXX XXXX, I once again requested an Escrow Analysis and was promised I would receive one by no later than XXXX/XXXX/XXXX. To date, I have yet to receive my Escrow Analysis but I have received a notice of intent of default and intent to accelerate, presumably because I am not paying the invoiced amount and now I have incurred late fees and additional charges. My son was diagnosed in XXXX XXXX with an XXXX and the XXXX of this situation is very hard on my son and me. I would so greatly appreciate any assistance you can provide. 
Thank you, XXXX XXXX XXXX
multiple harrasing phone calls all day to my place of employment. they threaten my co-workers, telling them that " we are going to suffer the consequences ''. they will not stop calling, even after my manager has told them to stop. i have tried calling them, and they say that they will not stop calling my place of employment until i paid about {$1500.00} via prepaid visa. i 'm scared that they will somehow find my relatives phone numbers, specially my XXXX year old mother 's number and start harrasing them. PLEASE, IS THERE ANYWAY TO STOP THESE PEOPLE. THIS IS NOT RIGHT!!!
Equifax has allowed XXXX XXXX to continue to report on my credit report even after I have disputed this account. Neither Equifax nor XXXX have provided me adequate information to validate or verify this account. Therefore I want it deleted from my report immediately.
Experian failed to remove the Hard Inquire obtained by XXXX on XXXX/XXXX/15 and XXXX/XXXX/15 by letter submitted by XXXX XXXX XXXX XXXX on XXXX/XXXX/15 ( XXXX, XXXXXXXXXXXX in which clearly explained XXXX decision to remove XXXX hard inquires obtained from my personal financial records kept by Experian.
I have applied for XXXX loan forgiveness numerous times, and was given unclear reasons for denial. Now, the most recent re-submitted application is past the 60-day review window and still has not been reviewed or forwarded to the DOE. I was told when I called in XXXX that the application would be forwarded by XXXX I was told on XXXX that it had not even been reviewed yet.
I have no idea why and I 'm tired of equifax doing this because none of the other credit reporting companies are doing this to me. I checked my credit and it said I had I had THREE alerts. 
1 " File blocked for promotional purposes ". I have no idea what that even is! 
2 " Credit report lock in place ''. I did n't lock my credit! 
3 " Extended fraud alert ''. I never wanted ANY alert So I would like to purchase a vehicle but with equifax I ca n't because they have my credit blocked!
checking XXXX and it says i have one duragatory mark in the XXXX but not XXXX?? for a american medical collection, that was paid awhile ago for XXXX $???? this is affecting my credit scores
In XXXX I had a financial hardship that led me to fall behind on my credit cards. In XX/XX/XXXX I called my creditors to set up payment arrangements to start getting my balances taken care of. Bank of America was one of them. When I called they stated that my account was still open. I asked if they could stop or lower my interest rate to help pay my account off and they declined. Not only did they declined but said they do not offer any programs to help get me out of debt. They said could set me up on an arrangement to take {$130.00} for six auto payments out of my account and they would then report my card as no longer past due as a courtesy after the 6th payment. I agreed to make the high monthly payments because I was told my account was still open and I wanted to rebuild my credit. 

Today, XX/XX/XXXX, I called in to Bank of America to follow up on my arrangement and I was informed that my card was closed and has been closed since XXXX, XXXX XXXX. I feel that the representative at Bank of America was deceptive when I initially called XX/XX/XXXX to make an arrangement. Now, I feel that if the representative lied about my account not being open, did they also lie about repayment programs? Is Bank of America just trying to keep people in debt? 

I've been a good customer of Bank of America since XXXX and I always used credit cards responsibly and paid my balances due on time until last year when I had a hardship. I would of thought they would have more consideration towards their loyal customer.
my mortgage payment is n't due till XXXX XXXX 2017 due to plan already set up with resolution team, my - escrow was already sent in and computer at quicken loans has all my records wrong and not up to date.have called and sent a letter to quicken loans resolution team, i also received a mortgage payment letter in mail stating not due till XXXX XXXX 2017
XXXX is reporting that I have an outstanding balance owed to HSBC Lending for {$11000.00}. I have contacted XXXX to contest the debt ; requesting a copy of the original finance contract ( displaying my signature ), a detailed explanation of charges that constitute the {$11000.00} debt they say I owe, and the account history of this account showing any records of payments that HSBC received. So far, XXXX has not supplied me with any of the requested documentation. It is my right under the Fair Debt Collection Practices Act to request this information, and unlawful for XXXX not to supply it, upon request.
A loan shows up under my social that was removed from my social in 2010. I no longer own the property but CHASE insists that because my name is on the original note that I 'm still responsible. The loan was recently modified by the loan owner that agrees that he has full responsibility but CHASE turned down his loan assumption request and instead pushed him toward a modification that does nor bare my signature.
Called XXXX on XX/XX/2018 to get annual credit reports. XXXX and XXXX sent report right away. Called to request Equifax again in mid XXXX. Called today and finally spoke to a live person at Equifax. Answered bunch of questions and then I had to answer another batch " for security purposes '' which seemed designed to thwart all efforts to get a credit report. I was asked for specific MONTHS that I first got each of my credit cards, even though I have had 2 ( of 3 ) for more than 3 decades. I have been retired for over 20 years, told them who my last employer was, but they wanted to know what my last title was. They asked what MONTH I placed the security freeze on my account. They asked what my last balance on X credit card was. ( all of my bills are paid automatically via my checking account. ) The level of detail they required was exorbitant. Then they told me I had to send them a copy of my drivers license and social security card via fax. Most public fax machines retain the info they scan. Can't see how that was a safe request. 

I have lived at the same address for over 22 years. I just wanted them to send the report that they have sent me every year for the past 10 or 15 years. I don't know what is different this year. The other two agencies had no problem sending me a report. I am over 60 years old and could not possibly remember some of the detail asked of me, especially inconsequential details from so long ago. The entire " confrontation '' seemed designed to discourage to the point of denial of my annual credit report.
I apparently have a loan with FCI Lenders Services , Inc or with one whom they are servicing. However this company FCI Lenders Services , Inc has failed to send me statements, or provide any info such as a website on how I can obtain any info on the loan that I have been paying to them for quite some time since 2012. I have recently pulled my credit and nothing was found on my credit for FCI or of this loan at all. I have reached out to this company whom they advised me i have to reach out my request in email which I have and yet they still have failed to assist stating I now have to fax over all my personal information just for them to provide me what I feel should be given to me as the consumer. My concern is I am paying faithfully to a loan that has not been showing by credibility on my credit and they can yet provide me info on what the payoff is or breakdown of my payments.
Companies- XXXX XXXX XXXX XXXX XXXX Account. XXXX. Line of credit for {$5000.00}. SinceXX/XX/XXXX. 
XXXX has not showed any proof of any type of investigation that I was late in the years of :XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX. They will not investigate this issue. I have constantly have asked them and the 3 major bureaus to send me proof of documentation stating lates on any accounts I have with them. They will not answer. Please help CFPB
JP Morgan Chase Bank, NA ran my credit/processed an application for an auto lease that I didn't approve or authorize. I visited a car dealer in XX/XX/2018 to shop for auto leases. I did not allow for a lease application to be put through, as I did not select a vehicle or finalize any part of a lease transaction. JP Morgan Chase ran an unauthorized application for an auto lease without my permission. The report should not have even been run, as my credit is frozen. I want all records of this credit application removed from my credit history.
My Wells Fargo account keeps getting made dormant because I do n't write checks or use the ATM or debit card or visit a branch. It is hard to do any of these things because I do n't live in U.S. The account is constantly being used, however, for electronic deposits and withdrawals. When the account goes dormant, I am unable to transact online and I have to call in
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Case # XXXX We are doing a short sale on this property, to which the attorney, Paris and Paris LLP, has attached a judgement on behalf of their client, XXXX. We have called the attorneys office every day for almost 2 weeks with no response whatsoever. We have left no less than nine voicemails, each with our phone number, and have received no callback. 

Is there any way you can have them call us back? We are just trying to have someone at their office reach out to us so we can move forward with the short sale. 

The attorneys contact information is listed as : XXXX XXXX XXXX XXXX XXXX Paris and Paris LLP XXXX XXXX XXXX XXXX XXXX CA XXXX Ph # XXXX Attached is our authorization to speak to the attorney on behalf of the homeowner, and a copy of the judgement. Thank you so much for your time.
Charged fees I was not aware of Did not credit payments as I paid them. 
Ca n't contact lender closed XXXX in XXXX Wisconsin XXXX The Cash Store. XXXX Cottonwood Financial is charging me over {$2200.00} after I made payment on a loan of {$1500.00} of XXXX payments of over {$300.00}. Now they are garnishing my wages. How do I get this to stop. And protect my credit report history as I 'm saving for a house. 
XXXX XXXX, WI XXXX XXXX XXXX
My Equifax credit report claims that XXXX XXXX XXXX conducted a hard credit inquiry on my account on XXXX/XXXX/14. I checked with XXXX XXXX XXXX. They have notified me in writing and by phone XXXX, that I have not initiated any action that would result in a hard credit check, that they have not conducted the alleged credit check on my account, and that all that their records show is that my mortgage payment was reported to Equifax as being current. Therefore Equifax has erroneously placed this alleged XXXX XXXX XXXX hard credit check on my credit report.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Inquiry details Inquiry details XXXX/XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXXXXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos.

XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX Inquiry from XX/XX/XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX   SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I have online bill pay through Union Bank. In XXXX, I had XXXX bills to be taken out on XXXX XXXX, totaling {$220.00}. Because of the holiday on XXXX XXXX, they paid these XXXX bills on XXXX/XXXX/2015, overdrawing my account and then charging me {$33.00} for each online payment. ( {$130.00} total ) I have my small pension automatically deposited on the XXXX of each month, so my money was not in there on XXXX/XXXX/2015. I phoned them and asked for that {$130.00} overdraft fee returned and they said it was not the banks error so they would not return the fee. I said it was the banks error because they paid my bills early and they disagreed. I told them I would file a complaint with the CFPB and they said they would give me {$99.00} back, but not all of it. I told them I would still file this complaint if they did not refund the entire amount. I, then had XXXX checks presented and because I was overdrawn the {$31.00} ( because I had not gotten the entire overdraft penalty back ) they charged me another {$66.00} overdraft penalty. I phoned the temporary branch manager to talk to her and she would not return my call. Union Bank has my mortgage and, once when I complained about some charges, one of the reps stated, " We will always have your mortgage! '' I am in the process of changing banks, but this is so exasperating! I have banked with them for 30 years. I have my SSI and Pension automatically deposited. They are brutal charging the fees and heartless when I need help. I only have 2 more years on my mortgage, so I am happy to not have much longer to deal with this horrible!!! bank. When the banks were having their charges look into by CFPB I mysteriously had a deposit made into my account by UnionBank, not telling me why! I am thinking it was for past fees they charged me that they should not have charged me initially. As I see it, they owe me {$33.00} from the early payment of my bills online and the {$66.00} they charge me because they would not return the entire {$130.00} overdraft fee. Thank you for looking into this complaint. XXXX
I purchased my home XXXX of XXXX my loan was with XXXX. I started my Loan mod with them by XX/XX/XXXX. the loan got sold to B of A and the loan was sold to Ocwen loan servicing LLC . after all these years Ocwen is telling me that the investor who owns my loan ca n't do my loan mod. They simply tell me that they do n't have the program for my loan to do the modification.