WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2014 a complaint ( XXXX ) was opened against FirstBank of Puerto Rico. 
The case was closed, the company responded to the complaint on XXXX XXXX, 2014 at XXXX. During that day FirstBank did XXXX a Hard Inquiry ( without written consent ) and the a Soft Inquiry on the Credit Reports of my wife and mine. The purpose was to provide cfpb with evidence that the account was showing on the Credit Reports. Please refer to Exhibit XXXX of the complaint number XXXX. The same date we requested FirstBank to correct the Hard Inquiry. As of this date there has been no correction.
XXXX XXXX and XXXX XXXX of 2016. that a computer glitch that was TransUnion 's problem, not mines caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I have contacted XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX. These inquiries add a hardship and that my rights were violated by TransUnion. CFPB help me make TransUnion stop victimizing me. As a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 Product : Debt collection Issue : Took or threatened to take negative or legal action The delay in resolving this matter is costing me money {$550.00} to date.
Navient have been charging hidden excessive fees for forbearance they issue to me. In addition, the principal of my debt is overstated. Just in a couple of years or so, my debt balance went from {$78.00} K to $ XXXX. All the explanations their agents give me on phone are evasive and not convincing. I requested all the promissory notes I have signed. They have not replied yet.
We settled a dispute with Chase regarding a mortgage loan on XX/XX/XXXX. They had n't reported on the loan to the credit bureaus since XX/XX/XXXX. Then, on XX/XX/XXXX, they reported us XXXX days past due. We do not even have a loan anymore with them to pay, yet alone be behind on. This is in clear violation of the Fair Credit Reporting Act, and yet one more malicious act on their part. I contacted Chase 's attorney to request removal and correction ; only to be ignored. This account needs to be reported as closed with a remark as settled for less than full balance per the Fair Credit Reporting Act.
The student loan companies are asking me to pay them back more than I can afford. They want more than 50 % of my paycheck, which leaves me with little to no money going forward
I was shopping at TJ Maxx in XXXX XXXX. When I was checking out the clerk asked it I'd like to open an account. I told her no, that I'd already had an account with TJ Maxx and  that apparently when the card isn't used frequently enough the account is automatically closed. The clerk said that she could just open my old account. She assured me this wouldn't be a new account, just an opening of the old one, which she does all of the time. I agreed for her to re-open my old account. The  truth was she opened a new account, but led me to believe otherwise. This was very misleading. The new account and the check into my credit immediately dropped my credit score 9 points, I don't know if it will drop anymore.
Mortgage Broker : Five Star Mortgage, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX or XXXX XXXX Lender : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX Loan # XXXX Our mortgage broker and lender didn't follow the FHA guidelines. 
This was a vacant foreclosure, and no one upheld the FHA required inspections, that were to occur. 
We had this home inspected by XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX or XXXX XXXX on XX/XX/XXXX. They overlooked several major items that needed to be replaced or repaired. 
And the FHA Appraisal was completed on XX/XX/XXXX by XXXX XXXX Lic # XXXX XXXX. They also overlooked the needed repairs. 

We closed on the home XX/XX/XXXX, but moved in on XX/XX/XXXX. 

We then discovered : Mold around baseboards No Hot Water Garage Door opener malfunctions Kitchen sink pipes came apart, they were cut to short 2nd floor bathroom pipes also were cut to short Corroded light fixtures Non-working electrical outlets, even wires exposed Water Recirculating pump is burned out Window screens missing No GFI switches in upstairs bathrooms Additional broken window in bedroom White particles coming from vents Entry doorswere not properly installed or sealed Roof was never inspected Underground water sprinkler system is not working We believe, these issues were intentionally overlooked or minimized by the inspectors, for the benefit of the mortgage lenders and the realtor. 

Please let us know what canbe doneabout this situation. We've attempted to reach out tothe XXXX Inspector, XXXX XXXX, his manager XXXX XXXX, CEO and even their corporate office, without any success. 

Our realtor, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX or XXXX XXXX, did NOT provide us with a copy of the Seller 's Disclosure Statement, until two weeks after we had closed. Therefore we were not aware that this property had been a foreclosure and that there had been mold issues. 

If you require any additional information, please let us know. 
Thank you for your urgent assistance in these matters.
I have a checking account opened with my son, XXXX XXXX at the Bank of Albuquerque branch office in XXXX XXXX, XXXX XXXX about 15 years ago. I I am XXXX XXXX XXXX and live on my Social security. I spend the winter months in XXXX as been my habit for.17 years. In order not to pay service charges I try to keep a balance of {$1400.00}. a month. My son and I try to use this account as little as possible for emergencies because of higher fees for ATM and service charges. So I always check the balance before I leave the country.. When I returned to the States I deposited a small check and checked my balance which was $ XXXX..I was referred to a Bank Representative named XXXX, who assured me this problem would be looked into and made copies of past statements. We quickly uncovered the unauthorized charges on my account by two companies I was not familiar with. On XX/XX/XXXX, I received a letter confirming charges refunded of {$750.00}. When I inquired about the additional charges and fees, I was told that The date for making that claim had passed prior to XX/XX/XXXX. I also spoke to a woman named XXXX when XXXX was unavailable who upset me quite a bit telling me my claim would not be honored due to late filing. Dispite having no knowledge of charges. Additional charges of XXXX and XXXX and service charges were denied by letter on XX/XX/XXXX. I never received an alert or notice from the Bank. I never authorized an ACH or any automatic withdrawal. The bank allowed access to my account to an unknown entity. And when my balance dropped below my limit continued to charge service fees.. My ATM card was never out of my possession until the card was cancelled. I y have tried to access my account many times but the web site locks me out and does not recognize my password. The format for logging on has been changed and I was not informed of that or that the Bank was acquired by another Bank.
Some of my private student loans, originally serviced by XXXX, were sold to Discover Student Loans. Of the XXXX loans serviced by Discover, XXXX have seen a major jump in interest to 10.125 %. The third has remained at a reasonable 4.5 %. I know numerous people with Discover Student Loans and they have interest rates in the 3-5 % range. Since I went back to college and had trouble finding a job afterwards, I have not been able to make anymore than the minimum payment and my balance keeps going up. I am already having trouble making ends meet and Discover decides to raise my interest rates to an unprecedented level. They are taking advantage of my poor financial condition to make the principal balance higher so they generate more income on interest. Numerous people are in my position, trying to make a life for themselves but can not do so because student loan companies are conducting unfair business practices.
Experian has not removed this item, although they have been contacted by XXXX as well as I have submitted documentation directly from XXXX that states the line item should be removed.
On XX/XX/2018, I sent a letter to XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything.They have reported delinquent information the credit bureaus that I am asking to be deleted. Also, they are trying to collect debt that does not have my name attached to it.
They negligently or intentionally exposed me and my wife 's private information to the entire world. Such information included but is not limited to, full name, employment history, payment history, debt amounts, date of birth, social security number, etc. 

Their Director of Information Security merely had a XXXX degree in XXXX. Some of their top level passwords were XXXX.
Hello, my name is XXXX XXXX XXXX ( My father 's name is XXXX XXXX XXXX ) my fathers ' social security number and mine different only by the last digit, due to the fact that we arrived in the U.S. Together In XXXX and were issued social security numbers back to back. So, for the last XXXX+ years his credit cards, houses and autos are showing as mine as well as of right now my credit report is showing : XXXX credit cards, XXXX mortgages, and XXXX auto loans, out of those the only thing that is mine is XXXX auto loan from XXXX XXXX FOR {$9300.00}. I 've tried to solve this problem contacting creditors on my own and also through a lawyer which was expensive, and again he is up to his credit mess, and We are in the market to purchase a house but due to this mess we are not able to. My family and myself would appreciate your help at this point. Not sure what I can do as he will not stop opening credit cards to transfer balances, etc. I do not have a single credit card, because I do n't want to complicate the situation further. Please help! Please see all attachments below, and if you have further questions, please do not hesitate to call. 
Thank you so much, XXXX XXXX
American Express has reduced the number of days before payment is due in full. They went from essentially an end of the month ( last day of the month ) to a 25 day payment period from closing date. As an example, if your closing date was on XX/XX/XXXX, payment would be due in full on XX/XX/XXXX. This is a change that only benefits American express and not their customers and is a way to increase late fees and other charges. American Express knows that most people get paid on the last day of the month and that is how they budget their credit card payments. Now by moving it up, they know individuals will incur late fees as they will not be able to pay the balance until they are paid from their employer. This type of change is just a farce and unethical in my opinion.
On was scheduled to buy litecoin, {$50.00} worth it was pedning for days with a scheduled day of XXXX 2018 Saturday. My account buy were XXXX and the transaction never went through. On XXXX XX/XX/2018 i called to ask why was my buys XXXX and they told me they would have it fixed shortly. Now the transaction have went away im out of {$50.00} and i cant buy anymore.
Sallie Mae has lied to me, back stabbed me as many ways as possible. They have taken money from me, they have over-drafted my bank account, they have harassed my co-signer that is a XXXX veteran battling XXXX. All I tried to do was get my payments down just a little until I found a job, and nothing. I either make too less, or my co-signer makes too much. I recently was accepted to a program on XX/XX/XXXX to bring my payments down to {$190.00} a month if I paid of one of my loans, and I did. All I had to do was call back and set it up, and they said I was n't qualified for the loan payment I was told I was qualified for! This first started on XX/XX/XXXX where I paid {$150.00} loan forbearance, and two months later, they said I never paid {$150.00} but it is in my bank statement stating I did! So they never gave me the loan forbearance, literally stole money from me, then continued to harass my co-signer who is very ill. Next, I paid {$140.00} to pay off a loan, then they authorized it 2 times in my bank instead of 1 time, which put my bank in the negative leaving me with XXXX overdraft fees ( This was the loan I was told to pay off before I can get the $ XXXX monthly payment that I qualified for ) I had my bank fax them 3 times to show it was Sallie Mae that caused the overdraft, they still refused to acknowledge it was. I am a military veteran, and I have never been treated in such a manner in my entire life. Every time I call, no one knows what is going on, it is always different information. Please, for the love of God, can someone help me out?
I received a bill that stated that my forbearance ends XX/XX/XXXX and I would need to begin making payments beginning XX/XX/XXXX. First payment amount was {$82.00}. 
I had scheduled " bill pay '' of {$140.00} ( I had planned to pay more than what was due - {$82.00} ) with my bank. 
I realized that my bill pay would not happen BEFORE XX/XX/XXXX, so I cancelled the bill pay and contacted both XXXX notifying them and then I also contacted XXXX State University. 
I made the XXXX payment XXXX {$82.00} ) on XX/XX/XXXX using the XXXX payment system. I paid a ~ {$4.00} fee to do so. I did not pay the {$140.00} that I had planned because the fee attached was based on the amount of the payment so to keep the fee low, I only paid what was due. 
My next payment of {$40.00} was due on XX/XX/XXXX. I made that payment via my bank 's bill pay system. That check was cashed on XX/XX/2018. 
My next payment of {$40.00} was due on XX/XX/XXXX. I made that payment via my bank 's bill pay system. That check was cashed on XX/XX/2018. 

I have been in repayment status since XX/XX/2018 ( 3 months ).  Since I have made payments for all amounts due, when they were due and in the amount due, how is it that I have {$140.00} past due? They claimed I was three months behind in payments when I made all of the payments ( see below )? That does not add up. 
Please see the table below that shows a breakdown of payments due and payments made. The amount due ( {$160.00} ) is equal to the amount paid ( {$160.00} ) It appears that they sent me a past due bill for the {$140.00} payment that I cancelled. That was NOT an invoiced amount. The invoiced amount was {$82.00} and that was paid, in full, on XX/XX/XXXX. 

Due Date Amount Due Amount Paid Paid date Check # check cashed date XX/XX/2018 {$82.00} {$82.00} XX/XX/2018 N/A N/A used XXXX system XX/XX/2018 {$40.00} {$40.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 {$40.00} {$40.00} XX/XX/2018 XXXX/XXXX/4625 XX/XX/2018 TOTAL {$160.00} {$160.00} XXXX corrected my payment records and account, but they reported to the credit bureaus that I was 60 days past due, even though I wasn't. 
I contacted heartland XXXX  and XXXX State University twice via email to see if they have corrected my credit reports. I have not received a response from either XXXX or XXXX State University.
I received a collection notice for {$59.00} from a Debt Collector named XXXX XXXX XXXX from car accident which occured on XXXX XXXX. I sought legal counsel and was told to forward any bills I received to my attorney, ( XXXX XXXX XXXX ), who would notify the creditor, that the bill is in litigation, and would be paid from my settlement with the insurance company. I forwarded the bill to my attorneys office when I finally received it 6 months later in XXXX of XXXX. I called the creditor and advised them that they should contact my attorneys office if they had any questions about the litigation status, and provided a women named XXXX from XXXX XXXX XXXX with my Attorneys contact information. I noticed the item was on my credit report and asked XXXX what would it take to be removed. She advised me once she confirms with my lawyer that its included in the settlement, or if I pay the {$59.00}, they would remove it from my credit report. She said she could no longer speak to me and would need to speak to my Lawyers office. In XXXX of XXXX, I disputed the collection with all three bureaus and XXXX and XXXX, were given the go ahead to remove the item from both reports ; however, XXXX claimed that XXXX XXXX XXXX electronically advised them not to remove the item. My lawyer advised me that even though XXXX advised it would be removed from all three bureaus after their conversation in XXXX, she told me to just pay the {$59.00} and ask for a Good Will removal, since they already gave XXXX  and XXXX the green light to remove it. On XX/XX/XXXX, my Attorneys office contacted XXXX XXXX XXXX to find out why the collection wasnt removed from XXXX after being told it would be, XXXX advised my attorneys office to have me make a payment and it would be removed. XXXX gave my attorney the website to make a payment but said I had to call to get the security pin to pay online. I contacted XXXX that same day, and she provided me the pin, and advised once the payment is made to have my Lawyer contact her and provide the reference number and they would have it deleted, she advised we could also leave the number on her voicemail. We left countless voicemails for XXXX since XX/XX/XXXX and we have never heard back from her. I disputed it again and with XXXX  and attached a copy of the receipt, but XXXX refused to remove the account and stated the creditor responded saying they havent received a payment. I am unsure what to do as this company has taken my money and hasnt removed the account from my XXXX  report, as they promised they would.
Mortgagee passed away and trustee took over the the trust in which the property was titled. Property was then sold and awaiting closing. XXXX was the original mortgager and was notified in writing of the situation. Before property was closed, XXXX sold the loan to Seterus. When Seterus was called for a payoff so that property could close, they said it was being processed and would not give a payoff for at least 10 days. This all happened the day prior to closing. Now Seterus refuses to provide a pay-off so property can close, which is causing undue expense and hardship to the buyer.
This debt was actually included in a chapter XXXX bankruptcy which has been discharged. After numerous attempts with via phone and email to the debt collector and also with the credit bureau this issue still remains on my credit report as a collection account with a past due balance. The amount of the collection is {$820.00}. The date of the initial debt was XX/XX/016.
My account was compromised and when I realized my purse was missing XX/XX/2018. I called Chase Bank to inform them of this XX/XX/2018. I asked them to turn off my card once I had heard the different transactions that were unfamiliar to me. I then filed a claim on these transactions. I was sent letters that stated that I would be temporarily given a credit until the investigation was over. One morning I went to pay a few bills and I had noticed that my account wen from {$1100.00} to $ XXXX. I then called chase and they told me that my claim was denied because I didn't dispute the lesser amount charges, and when asked why I told them that one of their employees asked me which claim was more concerning to me and of course I stated the larger more noticeable amounts. I called in again to speak to a higher authority and an agent by the name of XXXX was very nasty and not very helpful. She told me that they denied my claim because my pin was obtainable from the items in my purse therefore I compromised my own pin. I then proceeded to ask her what I needed to do for them to further investigate, she stated that I should bring supporting documents and I asked her for an example and she stated that she couldn't advise me on that and I needed to figure it out on my own. I asked her if I should obtain a lawyer and then she said " Ok so you are threatening to get a lawyer correct ''? I then asked her why would you use such strong language as " Threatening '' she then recanted and said she never used such a word and I advised her that the calls were recorded. After my account was compromised chase went on to treat me as a criminal instead of a victim and they robbed me for the remainder of my funds. I will never in my life trust Chase Bank with any of my money again.
I received the response to my prior complaint ( XXXX ) and after reviewing the documents the status of my complaint remain the same. Selene Finance sent the XXXX set of loan modification documents with changes to a few pages. The XXXX set were clearly the ones that were never sent out because not only did the dates reflect it Selene Finance did n't take the time research the title/deed to show XXXX XXXX was no longer listed on the property. The second set of documents that were sent only changed the first page without making all of the changes. The third set reiterates what is obvious about XXXX XXXX. There is no need to mention XXXX XXXX in any of the documents! I have made it clear that XXXX XXXX is no longer affiliated with this property which is something that Selene Finance should have known before they sent out any paperwork. The documents are still reflecting XXXX with the XXXX payment being due XXXX XXXX. I attempted to contacted Selene Finance several times ... the line is always busy! After not being able to reach anyone I returned the entire package to Selene Finance.
contact  XXXX  letting them know this is not my account. Also contact ed Santander they   state they do not have me in their system. This is not my account at all.   XXXX   has my birth year incorrect along with address that I never lived at. This is not my account never had an autoloan until last year.
The credit balance of the account is XXXX and all the outstanding debts were waived by the company and yet the information has n't been given to the credit agencies. I would like for Regional Acceptance Corp to immediately send the updated information to all XXXX of the credit reporting agencies.
This complaint is to remove multiple inquiries that I did not approve or initiate. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX
I have been getting up to XXXX or more phonecalls from Navient a day, mostly recordings, for the past week to 10 days. Some calls are before XXXX & some are after XXXX. I am a co-signer on my son 's student loans but he has been making the payments faithfully since he graduated in 2011 with an occasional late payment due to lack of sufficient income at the time. Right now his income is minimal & he is in between paychecks, but he always eventually will pay what he owes. They start calling almost the day after the payment 's due date if it has n't been made on time. They also call my cell phone & my son 's cell phone almost as many times making it 10+ times a day they are calling. I 've received no written correspondence from them, just repeated phonecalls & I consider this harassment.
This debt is 5 years old from date of the last activity with the credit grantor. It is showing current when it is old.