WillisBack/dataset-financial-user-claim huggingface dataset:
I attended XXXX College ( a XXXX College ) in XXXX XXXX CA in XX/XX/XXXX and graduated in XX/XX/XXXX.I was told that employment opportunities abounded but I would be required to agree to financial aid with Genesis Lending Financial because I did n't have the funds to pay for the course through the Department of Education or my own personal finances. I gave them my life savings of {$4000.00}. I was told that I would n't have to pay anything back until after they assisted me with employment. I was pulled out of class several times and told that if I did n't pay on the loans I could not complete the courses. Genesis Lending started to call me regarding payments and I told them that I was not employed and could not pay the amount that was requested. They offered a temporary forbarence payment but I was told that the amount of the loan would continue to increase over time. I had to continue to make payments on the loans during the course of the program even though I had been told that I did n't have to start payments until after graduation. I was constantly harrassed and threatened by this lender during the time I attended XXXX College and the financial aid department at the school shared an active role in the practice and I was never informed of the high default rates of these loans or the fact that this type of loan was a private loan and not funded by the Department of Education. This predatory lender has taken advantage of me as a low income unemployed person over XXXX years of age.
Late processing of mortgage payments mailed in and charging late payments. I have just sent a letter of complaint to PHH Mortgage, but have had this same problem occur in years past which got so bad I had to start sending in payments certified mail. While the company may resolve this, I feel there are many others that go ahead and pay the late payments as I have in the past. This company should be watched for regular use of this late processing. This is the first time this has happened in over a year, however it did happen a number of times in the past on two loans of mine they were servicing. 

Email to PHH Mortgage below. 

I mailed a payment to you on the above account on or about XX/XX/XXXX and you did not enter it until XX/XX/XXXX. When I returned from vacation after XXXX, I found a late payment notice in my mail on XX/XX/XXXX. I immediately called up your call center on XX/XX/XXXX and made a payment by phone. As your agent could not mail me a confirmation, I went online and made another payment. You charged me a late fee for both payments. Then to my surprise, on my bank statement the original payment I made on about XX/XX/XXXX appeared on my statement on XX/XX/XXXX. 

My credit score ranges between XXXX and XXXX as I have not had a late payment in over 20 years on my credit report. YOUR COMPANY PHH MORTGAGE is the only one that for some reason can not enter payments when they are received. Im sure you want to blame it on the post office, however, I have five mortgages and your company is the only one to enter payment late apparently in an effort to gain extra income from late payment fees. 

Previously I had another mortgage with your company which fortunately you sold to XXXX XXXX. ( That company has never failed to enter a mailed payment in the four years or so they have had the loan ) On a number of occasions it took PHH MORTGATE well past the late fee period to enter my payments. It was so bad I started sending in payments certified mail and will now have to in the future once again. Perhaps you can explain why my three credit cards and four other mortgages as well as many other bills I have do not have trouble receiving payments I mail. 

Besides failing to enter my payments on time, you charge a significant fee for anyone to make a payment online or by phone, further padding your profits if this is done on a regular basis to other customers.
Wells Fargo Home Mortgage set up an automatic draft to my checking account without my knowledge or consent. On XX/XX/2018, Wells Fargo Home Mortgage drafted my XXXX XXXX checking account # XXXX for {$700.00} without my approval or consent. In fact, it was noted that this was the result of an automatic draft being set up on mortgage account # XXXX. I have never set up an automated draft on any account for any reason. 
This unauthorized debit caused my checking account to be overdrawn by {$370.00}. Additionally, I have incurred overdraft charges due to this unauthorized draft in the amount of {$97.00}, with additional fees likely to be incurred as time passes without funds in the account. 
Wells Fargo has been contacted. Someone named XXXX assured me I would have my funds back in my checking account promptly. This has been over a week ago. Still no action has taken place despite my faxing statements and transaction history of the previously referenced checking account. 
Due to their fraudulent debit from my account and complete lack of action, I have not had money for gas, food, or other daily essentials. I have had to beg and borrow to keep going these last several days. This is an unacceptable practice and needs to be rectified immediately.
Chase is currently offering an introductory promo for their new Chase XXXX XXXX card. The double bonus can only be offered if I apply through a branch, and is honored until XXXX XXXX. I have made numerous appointments with bankers at our local branches, even taking time away from my own job, costing me time and money. I am repeatedly getting an error in the branch while trying to apply through their in-branch system. I ca n't even submit the application. No one has any update for me, except for it 's a " known issue ''. In my previous experience as a Chase employee, that means they know but do n't have a solution. 

The issue I have is that my girlfriend came with me to apply for her own XXXX XXXX card. Her application went right through, and got approved. They ca n't even submit my application. I 've spoken with off-site supervisors of the credit card support team ( via XXXX ), and asked if I could apply online and they go back in and reward me the extra points if approved. They said there is no way. 

Are n't there regulations regarding making the same options available to all applicants? All are allowed to apply for credit. When I was a Chase banker, I could n't discourage any applicant from applying, no matter the circumstance. They will not accept my application without me forfeiting what equates to {$750.00} in travel when redeemed through their offerings. 

Please help me deal with this, CFPB.
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation

of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
I used XXXX for transportation on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX pulled funds out of my Bank Of America Checking account. This is NOT an account I associated with XXXX payments. The only payment listed in my XXXX account is XXXX. I may have had my banking information listed in the past, but it has changed as of 2 years ago. I do not know how XXXX got a hold of my bank information as I already " erased '' it from their system. It is very troubling. I called XXXX. They have no documentation of payment request from XXXX on those dates. I called Bank Of America. I was told XXXX pulled the funds out and to call them directly. I don't understand why an unauthorized transaction would go through? XXXX DOES NOT have a customer service phone number or email readily available to contact them. Please refer to a copy of my bank statement for reference.
On XX/XX/XXXX I sent a letter to Transunion requesting verification/validation on multiple debts that they are reporting on my Credit Report. I specifically stated in the letter " do not respond to my request by stating these accounts have been verified, but provide me with copies of the information you have in my file verifying/validating these accounts ''. Today XX/XX/XXXX I received a letter from Transunion dated XX/XX/XXXX with several of the accounts listed in my letter still coming back as verified or updated. There was no physical proof of verification/validation included as I requested. Under the FCRA it is my right to view what is in my credit file and being used as verification/validation of these accounts.
I missed two payments Sent them in to get caught up, received a letter stating that the loan company -Chase bank, informed via a letter that they had miscalculated my loan and that I needed to pay {$3600.00} I called the contact and was told that they found this error and that I needed to pay XXXX I informed them that I had been garnished for the previous 11 months paying {$930.00} for 10 months. They did n't care and suggested I make two paymnents of {$1800.00}, I advised them that if I could n't paid XXXX I would n't be able to pay XXXX either. I asked if I could add it to the loan they said no. Previously I had been on a loan modification, and except for those two missed payments I had been consistent. A month later I received a letter from a law firm stating that they were representing chase in recouping the XXXX. I then applied for keep your home California -they stated I made too much money for assistance, I responded with I did n't want them to make my payments to see if there was some sort of debt forgiveness. My loan has now been referred to a debt collection XXXX is their name. The original amount has now ballooned to XXXX. I do n't understand how a nationwide leader in the banking industry can shake people down when THE BANK made the mistake. My understanding is that chase is currently involved in numerous case courts due to these unwholesome and greedy actions that Chase had taken. Any help, direction or sources would be deeply appreciated. Regards, XXXX XXXX
On the " Pay My Wells Fargo Accounts '' page, the Amount drop-down only gives you the option to pay the " Total Amount Due '' and not the Outstanding Balance. In order to pay the Outstanding Balance, you are forced to select " Other '' and then manually enter in the dollar amount corresponding to the Outstanding Balance. This is deceptive and unfair because it does not give card members the option to pay their entire Outstanding Balance, encourages card members to inadvertently continue revolving a balance, and allows Wells Fargo to charge interest on unpaid balances that the card member may not made aware of.
I filed a complaint against Enhanced Recovery Corp on XXXX XXXX because ERC violated the Fair Debt Collection Practices Act by failing to send me notice as required by the law before putting this account on my credit report. Your case no. is XXXX. ERC 's response to you was as follows : " As a result of this complaint, ERC has updated the account as a disputed item and placed it in an investigatory status to prevent any further collection efforts. In acknowledgement of the dispute, we have requested the account be removed from all credit reporting agencies. Please allow up to 45 days for the credit reporting agencies to process our request. '' I called ERC on XXXX XXXX to confirm that a request had been submitted. XXXX XXXX XXXX (? ) of the Compliance Dept admitted to me on the XXXX that no such request had been sent ; that it would be sent on XXXX XXXX. I called XXXX and asked how the request would be processed and was told that the computer would automatically delete the account with no human processing required. I called all XXXX bureaus on Monday and the account had not been deleted. I called all XXXX bureaus today the XXXX and the account has not been deleted and they told me that no such request was received. I called ERC this morning and was told it sent the request electronically on the XXXX. ERC 's response to CFPB was that it had already sent the deletion request by the XXXX. It also lied to me because it told me it would actually send it on the XXXX. Since the account has not been deleted from any of the bureaus, it means the bureaus have not received such a request. So, as of XXXX XXXX, no such deletion was sent or completed. When I called ERC this morning it told me to wait 45 days. ERC knows as well as I do that if I had filed a dispute with the CB 's it would take 30 days to be investigated. That is not how a request for deletion is handled by the CB 's. ERC has not only been dishonest with me and you, it continues to break the law by leaving it on my report because the courts have ruled that putting that entry on my report constitutes collection activity which is not allowed once the account is disputed. This company operates in blatant disregard for the law.
- XXXX/XXXX/17 I got identity theft and XXXX ( XXXX XXXX ) called me to confirm if I applied for it. 
I said no and they cancelled it However they did not cancel my hard inquiry and I called them back to remove this. 
The reps did not know how to go about this as they were unable to find my application. 
So they hung up on me few times which left me with no choice to contact the CFPB. 
I even asked XXXX to remove the hard inquiry but they were unable to. I thought this was weird too since XXXX handled it very well and quickly. 

Mercedes Benz also sent a declined letter of an application that I DID NOT submit. 
Yet they are also hard to reach to get this hard inquiry removed too. 

Please advise how I can get this amended immediately.
XXXX, Transunion, and XXXX credit bureaus are guilty of selling and maintaining my credit reports to obtain money 's that are not legal to do. They are holding credit files that are not from the original owners. And for that reason I wish to file a section 609, which states if the collector can not prove that they are the original owner of the credit file then that file must be taken off the credit report.
I have no knowledge of this debt and who this company or who there client is. Other then a notification from my credit monitoring service indicating that derogatory information was being reported to all three agencies by this company is the only thing I have. I would like to point out again I have no idea who this compony is and I have received nothing from them. I don't understand why organizations like this think that they can bypass and violate the FDCPA and it's governing laws and informed consumers will just stand by and do nothing. If this information is not removed from all three agencies immediately I will move forward with other options available to me to correct this situation.
Scottrade, a very discount broker ( think - " you get what you pay for '' ) allowed my account to be hacked while I was traveling abroad, likely as a result of the data breach that occurred at Scottrade years ago. 

In short, Scottrade refused to act professionally to resolve the situation and avoided my calls, letters, and email on numerous occasions, essentially burying the matter. This caused me to write to the CFPB, requesting that Scottrade provide me with a link to their dispute resolution procedures. Scottrade refused to provide me with instructions on how to file a formal complaint. 

I am writing this complaint in hopes that Scottrade will properly respond to my previous request and amend their procedures so future customers do not get harmed.
I requested the report from XXXX last spring and though it docked me so it says i received it, it would not download. I recently requested my free annual report from all XXXX agencies and could not download them. Then I sent in a request following the instructions carefully over 6 weeks ago and still have not received them.
On Thursday XX/XX/XXXX I mailed a check to payoff my vehicle. I included an extra day of interest, whereas they would not receive the payment until XX/XX/XXXX. 

At XXXX XXXX in  California on XX/XX/XXXX they received the payment, and I have confirmation from the USPS in regards to who signed for it and at what time Westlake did not apply the payment until the XXXX and are trying to charge me a daily interest rate of {$7.00} On XX/XX/XXXX they were showing that I owed {$29.00} and I contacted them. I was told that the matter would be taken care of in 24 hours. On XX/XX/XXXX they are showing that I owe them {$7.00} and it will continue to climb daily until they figure it out. 

The payment was received on the day that I paid them through, it is not my fault they did not post it immediately even though they claim that they post payments on the day they are received. 

Until this matter is resolved I will not receive my vehicle title
I made my mortgage payment over the phone on XXXX XXXX, 2017. i successfully gave them my account # and routing #. I received a confirmation code that the payment was successfully processed. I was traveling for work and pleasure the next couple of weeks. But i was domestic and my phone was working the entire time. I arrived back from my vacation to threatening letter from Chase Bank saying my payment was n't received. they never called me once to let me know. I have been making successful payments for 15 years to Chase ; i have never been late FYI. Right when i was made aware of the problem i made another payment to chase and i am currently up to date as i have been for 15 years. 

Chase reported me late to the credit agencies and it reduced my credit score to XXXX from XXXX i have been working for 15 years to get that credit score. 

I have tried calling them 4 times and got all the way to the executive team to try and resolve myself. ( they kept on saying they would call me back after investigated but every week i keep on calling them to no avail ). But they tell me that chase did nothing wrong and they cant change it to the credit agencies. But they waived all the fees and said sorry. On the recording they said i only gave them 5 account # 's. Every bank account in america has more then 5 numbers. i think maybe the phone cut out and the rep did n't hear me. the rep should have asked me to repeat the number and why did they give me confirmation code????? they also did n't call me to let me know that it did n't process. numerous chase errors. They tell me the only way to hear the internal call is to sue them and get it thru court. this is crazy. i tried to make my payment on time and i need your help. Chase is terrible and i am sure they receive numerous complaints. please help i have no other options. best XXXX
I received a letter from Synchrony Bank stating that my request for a credit card with a retail store ( AE OUTFITTERS ) has been denied, however I have never applied for a credit card with this store. I have shopped at AE stores and at their online store before, however I have never applied for a credit card. Additionally, the reason given for the denial is " no credit bureau file '', which is incorrect. I did check my credit report with XXXX just now and everything looks fine and no credit inquiry from Synchrony Bank is listed.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. CFPB please remove XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
This is not a duplicate. OCWEN has replaced a damaging comment on XXXX with a damaging comment it used several months ago, knowing it lowered my credit then. This is different than the XXXX comment, but damaging just the same : disputed XXXX XXXX, XXXX Account Details Last Reported XXXX XXXX, XXXX Creditor Name OCWEN LOAN Account Type Conventional Real Estate Mortgage Account Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term 44 Months Monthly Payment {$870.00} Responsibility Individual Balance {$79000.00} Highest Balance {$470000.00} Payment Status Current Worst Payment Status Current Date of Last Payment XXXX XXXX, XXXX Amount Past Due $ XXXX Times 30/60/90 Days Late XXXX Remarks Dispute resolved ; reported by grantor
COLLECTOR FAILED TO VALIDATE BOTH COLLECTION ACCOUNTS FOR XXXX, THEY WERE PAID LATE BY MEDICAID! THEY CALLED XXXX XXXX XXXX CELL 11 TIMES IN VIOLATION OF T.C.P.A. AND INDIANAS DON'T CALL REGISTRY.

THEY ARE UNLAWFULLY REPORTING TWO ACCOUNT ON ALL BUREAUS W/O FEAR OF BREAKING STATE LAWS.

WE ARE STARTING A CLASS ACTION EFFORT TO ELIMINATE FURTHER CONSUMER LAW BREAKING.
Pl ease consider this correspondence to be formal complaint to the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).    The denial letter was also not received for an appeal period to be responded to until  XXXX / XXXX  /2017 and  the file was denied  in  XX/XX/XXXX .
On XXXX XXXX, 2016, I attempted to order my credit report over the telephone. I provided all of the correct, required information. I am eligible for a free report because I recently placed a fraud alert on my file. However, I received an automated message that stated they did not have enough information to provide me with a report. Additionally, Trans Union has refused to delete outdated, inaccurate, and fraudulent information, even though I have substantial documentation to show the information should not be on my report. I thank you in advance for your assistance in resolving this matter of importance.
Incorrect names for me: XXXX and XXXX. Incorrect addresses: XXXX, ar
On XX/XX/XXXXat XXXX XXXX The company received a certified letter I sent requesting validation for the debt they claimed I owed them. I have no contract with this company. I have sent them a second certified letter claiming I 'd like validationfor the debt they claim I owe. It 's been 30 days since I sent the letters and my credit reports have no been marked as disputed. I have not heard a peep from these individuals. I 'm requesting per fair credit reporting act that these companies be held liable for no following the laws of debt. I have copies of my credit reports and the company did not mark the item as disputed. This company has n't not tried to validate the debt at all.