WillisBack/dataset-financial-user-claim huggingface dataset:
To whom this may concern, This is a follow-up to my previous complaints regarding abusive behavior by credit bureaus that have left me unbanked and underbanked. I am writing specifically again ChexSystems and their QualiFile score system which is unfairly denying me a bank account and not properly functioning ( based off the attached document ChexSystems states my QualiFile score is XXXX, which is outside of the acceptable ranges ). 

To resolve this situation, I would like ChexSystems and Qualifile to immediately remedy their system problems so that my QualiFile score is not shown as XXXX, send a copy of the credit report and QualiFile score to my at my address, and once all amendments and disputes are finalized informed all inquiriers within the last 12 months. 

Put bluntly, the fax that the ChexSystems QualiFile score system does not even operate within its published bounds means that myself and probably thousands of other consumers are being unfairly denied a bank account due to a QualiFile score of XXXX being given to financial institutions that are unable to process a XXXX score value. Therefore, to ensure this does not damage me again, please adequately explain to me why my QualiFile score was presented as XXXX, once again outside the acceptable range, and inform me of what action you have taken to avoid the problem in the future.
We went down that road before XX/XX/XXXX. CitiMortgage then placed a windstorm insurance onto my property, even though I had sufficient coverage. Only weeks after the first matter was finally corrected, or at least I thought it was, the same wrong accounting started again. Soon thereafter I received CitiMortgage 's threatening letters and automated phone calls. I took the time to communicate with the person on the other end of the phone line and have been assured several times that this matter had been solved. However, the problem still exists and the confusion about insurances CitiMortgage placed onto my property got even worse. I did have flood insurance with the XXXX XXXX but CitiMortgage appearantly tried to place additional insurances. When somebody recognized the error, I received a check for an overpay in escrow funds. In the meantime the wrong accounting started to place late fees onto my account because I did not submit the wrong amount and therefore their system, as explained to me by a processor, did not credit my account the amount I sent in. The amount I sent is exactly what the statement I attached called for. XX/XX/XXXX I talked to a supervisor who promised me personally that he would send me a detailed accounting statement. it never arrived and the wrong accounting escalated into it 's present stage. I can not get any response from CitiMortgage except automated phone calls and generic default packages. I sent a letter to CitiMortgage with the request to get a direct line to someone who had unlimited access to my account. Of course, no response. And that 's where we stand right now. It 's a shame how poorly business is conducted by a company of this size. XX/XX/XXXX I finally got a response from CitiMortgage but only after I contacted your agency. I would like to see the same outcome this time around and a detailed statement for my accountant to review. PS XXXX more cases similar to mine have been brought to my attention after sharing what happened to me. All in a small town. I wonder how many cases nationwide?
I have had a situation where my car was already repossed by consumer financial services. i paid the balance within the 21 days i have to regain ownership of vehicle. within a week the manager XXXX had already sold my vehicle and taken the belongings in vehicle. Her responds was im not petty and the vehicle was never sold anywhere to my knowledge she resold my vehicle to XXXX XXXX.it took her a day to return the vehicle. i have recently felt behind one payment and explain to her i was gon na make both payments together again her responds was you can walk to work your a XXXX  your life is a XXXX.she has her employer XXXX call me atleast 20 times a day. she has request to garnish my paycheck already and text messages me from her personal cellphone pretending to be the legal services of the company. she says if your a week behing i can and will take you car. she haa even called other people regarding my account and asking for me.ive looked online and noticed she has pleny complains and has threaten others with deporting them.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put me and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
I was called at my office during the work day where the XXXX XXXX XXXX was connected to a colleague, not myself. 

The debt collector tried to get my colleague to divulge contact information and and place of business contact information. He also asked the individual to find me and tell me that I needed to call and gave their contact number. 

This company also called me 5-7 times in the span of 24 hours, which I consider to be abusive and harassment.
The Citizens Bank ATM recognized my debit card and had no problem with my withdrawal, but then failed to return the card, without explanation. When I called to complain, I wanted my card back or a replacement card with the same expiration date so that I would n't need to spend hours rearranging all my automatic payments with vendors. They instead ordered me a new card with a new expiration date. The supervisor XXXX XXXX in Pennsylvania stated that they do not provide replacement cards with the same expiration date.
On XX/XX/2017 I paid off my debt with XXXX XXXX XXXX XXXX/XXXX  over phone. The amount settled on totaled at {$1100.00}. It has been almost a year and the debt has still not dropped off of my credit report. The only information I have is the email receipt I got, with no contact information for XXXX on it. It states it was processed through a company called XXXX XXXX. Due to this issue I was unable to be involved with the purchase of me and my fiancees new home.
collection agency called my former employer, claiming to be with the XXXX XXXX XXXX XXXX. Said that they were going to send an officer there the next day to serve me a subpoena if i did n't call them back in the next 15 minutes. When i called, the person answered " corporate office. '' I asked him what company he was with and he refused to answer.
American Express informed me that they 're raising my APR for new purchases. They informed me that they 're raising my APR because it is lower than the average rate for new applications for similar cards.
We keep receiving late notices from Seterus even though payment is made before the due date. To guarantee funding, payment is made with an official/cashiers check and sent via priority mail. When we inquired of Seterus, their response was that they changed their billing practices and are now sending the next month 's bill before the due date of the current month 's bill. They stated it was done as a courtesy to the consumer but the bill may not reflect payment because of the early billing. We are concerned that the late notices will now reflect poorly on our credit report and credit bureaus will report consistent late payments pattern. We have requested a confirmation and clarification on how their practice will impact credit bureau reporting. If we are paying on time, our credit score should reflect same.
We were purchasing carpet from XXXX and they use credit from Wells Fargo Bank. I gave my information to the sales associate who in turn gave my information to Wells Fargo. Shortly afterwards, a Wells Fargo associate called and spoke with me. I was denied credit for the carpet purchase according to the Wells Fargo associate due to the inability of Wells Fargo to authenticate my identity. This interaction happened on XX/XX/18. In the mail, I received a denial letter stating the inability to authenticate my identity ( the applicant ) and instructed to contact XXXX XXXX. My complaint is with Wells Fargo ; specifically, why did I take a credit hit, if in fact Wells Fargo could not authenticate my identity? It doesn't make sense for any business who claims an inability to authenticate a potential customer 's id to then be able to run a credit check and then the customer takes a hit to their credit score.
EXPERIAN AND XXXX credit bureaus have allowed an unscrupulous original creditor, XXXX, to get around the law regarding reappearing items on my credit report after deletion.XXXX XXXX XXXX, as an agent of XXXX, account number XXXX has appeared on my reports after being removed by the second agent for XXXX, XXXX XXXX, account number XXXX which was removed by XXXX 's second agent on XX/XX/2018.I HAVE ATTACHED THAT CFPB INVESTIGATION AND COMPLAINT WITH RELIEF GRANTED.IT IS UNETHICAL AND ILLEGAL FOR THE BUREAUS TO ALLOW THE SAME DEBT OWNER TO APPEAR ON A CREDIT REPORT BY DIFFERENT AGENTS AFTER DELETION OR REMOVAL AS RELIEF GRANTED BY THEIR AGENT.
We lost a home in the XXXX XXXX XX/XX/XXXX2018. Our insurance company issued a joint check with a smaller portion due to completely pay off the mortgage holder Bank of America. Since we opened a B of A account, we thought they would deposit the check, subtract their outstanding amount due on the mortgage, and distribute the balance to us expeditiously ( bank agent 's term ). Now we are approaching a month 's time and calling the various bank people at a number of their departments over the country where they claim to have physically sent the check ( Florida from California..? ) and our money has been effectively tied up in their red-tape and dysfunction. We need our money..! While our insurance company worked thru their process efficiently, it's taking Ban of America almost as long to cash a check ( in this day of electronic payment, I'm certain they could confirm and cash that check in minutes ) and distribute our funds as the claims adjusters took to confirm our entire house losses. 

There needs to be a downside to BofA for this kind of malicious money-grubbing larceny from people who simply want to cash a check and deposit their funds ...
I 've been paying on my student loan for years and can not get it down. XX/XX/XXXX I paid the interest in full with my tax refund which brought the loan amount back down to it 's original amount of {$13000.00}. I 've been trying to pay the minimum payment plus interest but every month so far it 's gotten out of hand and I ca n't make the extra payment which means I will never get this paid. Is there anything at all I can do to get them to stop adding on so much interest EVERY MONTH? I can not find another company willing to consolidate this private loan. This was a XXXX school located at XXXX XXXX in XXXX XXXX, which may no longer be around.
XXXX XXXX XXXX XXXX is reporting collection account for {$11000.00} past due as of XXXX XXXX. I disputed with reporting agencys this is not my account. I was not in Country during this time. They are reporting joint with XXXX XXXX. I have filed disputes requesting documentation this is my account, I have not received. I have sent documentation showing such. Reporting agencys continue to mark as remain.
I have been attempting to get lower payment options since XX/XX/2018 when I received what my payments would be increasing to. All of last year I was working on catching my loan up and making them current. I had to make a minimum payment but overpaid a little every month. I ended the year in good standings. I owed {$5.00} but I paid $ 20-40 a month. I paid as much extra as I could. I was emailed in XXXX and told my payments increased to over {$90.00} a month. I'm a single mom and can't afford that. I have reached out to them online twice, even allowed them access to my tax information. I made some kind of payment but now I'm behind and it's only XXXX. I mailed in financial hardship information and still haven't heard. I feel like they aren't responding to me so I will fall into default again and will be forced into another year of interest. I feel my student loan has more than doubled since I even got it.
I have disputed an account with all 3 credit bureaus asking for removal from my credit report. I have requested proof on original ownership of debt. I have yet to receive proof and the card remains on my credit profile. They simply reply with we have verified debit but actual proof has not been provided to me. I have contacted XXXX directly and submitted 3 disputes to each credit bureau on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I just want this invalid debt to be removed from my report.
I have a loan through Freedom Mortgage - XXXX months ago I applied for HARP- I sent in all documents that Freedom request- XXXX weeks ago ( XXXX/XXXX/15 ) I found out via email that the loan had been closed on XX/XX/2015- no explanation given- XXXX days prior to receiving an email from the loan processor I was informed that I would have to pay {$130.00} at closing- if I agreed they would continue with the loan- I asked what the {$130.00} was for - no answer- I was dealing with XXXX XXXX with XXXX and the next thing I received was an email from the loan processor telling me that the loan was closed did not give me an explanation nor a date of when the loan was closed - sent emails and left messages - no response from XXXX. I request to speak to his manager- XXXX XXXX XXXX XXXX assured ( XXXX XXXX informed me the loan was closed on XX/XX/2015- had I not received a notice in the mail ) I informed him that I had not received a notice via US mail and if the loan was closed on XXXX/XXXX/15 why was I still receiving emails from the loan processor regarding payment of {$130.00} at closing and I was informed by the loan processor that the loan was not closed- XXXX XXXX assured me that he would find out what was going on- spoke with XXXX XXXX who tried to blame the closing on the loan on me stating that I had not sent in all required documents- tried to explain that I never received an request from XXXX XXXX or his XXXX loan processors I was dealing with- XXXX XXXX stated that I did not send in the name of the HOA or the amount I paid monthly- XXXX XXXX was informed from the first day that I did not have a HOA or paid dues- I received an email from XXXX XXXX on Monday XXXX/XXXX/15 asking if I had been informed of {$180.00} that was one of the issues with my HARP loan ( which was closed on XXXX/XXXX/15 ) - sent an email informing him I did not know anything about {$180.00} and what other issues - I have not received a phone call or a email from XXXX XXXX or Freedom Mortgage- the lack of response and keeping me hanging for XXXX ( nearly XXXX months ) without an explanation or an effort to move forward with a HARP modification loan. Freedom Mortgage does not take responsibility for their mistakes and lack of communications but now I feel I have been discriminated against. I would like Freedom Mortgage to answer my questions regarding all issues I have had with their company.
XXXX sold the credit card account then I paid it off and they are listing it as open and are refusing to talk to me or even contact the company that purchased it
XX/XX/XXXX I was contacted by GC Services limited partnership. A collections Agency on behalf of the XXXX County Superior Court traffic division. This debt was for unpaid traffic tickets. Which in turn ended up putting a hold on my license by the California Department of Motor Vehicles in XX/XX/XXXX. However in XX/XX/XXXX I did contact the collections agency GC Services which is a third party collections Agency for the Superior Court of California XXXX County traffic division I paid my debt and they specifically gave me instructions on how to then obtain a release of my California driver 's license from the CA DMV which I did XX/XX/XXXX. However, today XX/XX/XXXX I have received another collections letter from the collections company GC SERVICES demanding payment again on the balance that was settled two and a half years ago. I contacted the company spoke to a representative who was unhelpful told me everything that I was saying was a lie told me they had no record of my payment they do n't talk to the DMV they do n't have any record of anything that I did in XX/XX/XXXX that would have released my license. So I asked who do I dispute this with. They gave me no answers gave me the run around and only wanted to obtain payment for a debt I have paid off two and a half years ago. I then spoke to a manager who is equally as rude and unhelpful gave me no information except for the fact that there was no correspondence between the collections agency and myself in the last 3 years. Stating the last letter they sent me was XX/XX/XXXX. So I asked why would you guys not contact me for 3 years if I owed it. But she could not answer. She also could not answer who I made the payments to or give me any records or information from the conversation that released my license in XX/XX/XXXX.
XXXX XXXX XXXX XXXX XXXX now operating as XXXX XXXX XXXX has hired a company called Accelerate Receivable Management , Inc to collect what they claim is a debt of {$2900.00}. This is for a single cholesterol panel ordered by my family physician in 2014. This lab had ZERO contracts with insurance providers and was therefore out of network for all patients. Therefore, in order to get business with physicians they entered into an agreement that they would accept the insurance company 's out of network payment and not hold patients responsible for any remaining balance. I signed paperwork that assured this also XXXX. Therefore, the charge is completely fraudulent. In addition, when I got a hold of my insurance company I was told that they did not pay the claim because XXXX did not submit the claim properly and the insurance company denied the claim and asked for additional information that was never provided XXXX separate times. Now the claim is past the 15 month term and XXXX or Accelerated Receivables Management, Inc will not be able to submit the claim anymore, period. Accelerated Receivables Management, Inc is now asking me to provide an explanation of benefits that my insurance company can no longer provide me and attempting to charge me for whatever portion of the bill was not paid by my insurance company. This is outrageous and XXXX these companies should be investigated for fraud.
We obtained a home loan in the amount of {$990000.00} XX/XX/XXXX. 
Our home loan had been sold by the Originator, XXXX XX/XX/XXXX XXXX XXXX which then immediately sold our loan to a XXXX XX/XX/XXXX-XXXX Trust Fund ;. 

Due to a severe reduction in income resulting from the XXXX financial crisis we fell behind on our payments. XX/XX/XXXX XXXX recorded a forged Assignment of Deed of Trust assigning XXXX ' 'fictitious interest ' in our loan to XXXX Bank XXXX XXXX. as Trustee for the XX/XX/XXXX Trust Fund. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX acquired the servicing rights to the loan XXXX. XXXX commenced foreclosing XX/XX/XXXX. We challenged XXXX standing to foreclose in XXXX Court and XXXX cancelled the Trustee 's Sale. 

Suddenly, Nationstar Mortgage LLC began sending us letters claiming to be the new loan servicer, demanding monthly loan payments. We challenged Nationstar to prove that it had the right to collect our payments. It did not respond to our Qualified Written Request so, we refused to make any payments. 
Starting XX/XX/XXXX Nationstar recorded defective -pre-foreclosure notices. It falsely appointed XXXX to be the foreclosure trustee. We sued to Quiet Title XX/XX/XXXX. The Judge refused to hear the case. 
XXXX held an illegal Trustee 's sale of our home XX/XX/XXXX. We expect XXXX Bank to commence eviction proceedings shortly. We can not let Nationstar and its cohorts to get away with its felony actions. 

We can not get relief in court. Therefore, we are seeking CFPB 's assistance in bringing Nationstar to account for its actions and to extract compensatory damages form it in the event that we are evicted prior to CFPB 's intervention.
Received collection letter regarding account XXXX from XXXX regarding debt not verified, debt not belonging to me, have asked creditor to cease attempts to collect debt & to remove from my credit report / credit file.
Dear Sirs, I have been serviced by Ocwen since XX/XX/XXXX after XXXX sold my loan to them. I was in bankruptcy then as I lost my job the year before that ), but even then, I have paid my mortgage payment every month. Ocwen never sends me any statements except for when they informed me that they were servicing my loan. I paid my mortgage every month and have tried to call them several times to send me a statement or I place a communication with my check advising them to send me my statements to ensure that I am still paying the correct amount but still no answer. My bankruptcy finally ended XX/XX/XXXX and have advised them repeatedly over the phone that this is so but still no answer. It 's more than 15 months now that my bankruptcy is done and still no statements. I have been making payments online in the hopes that they will at least update their system but still nothing. I have been stressing on this for the longest time now and still find no relief. Please Sirs, I need your help on this. I am working a regular job XXXX, M-F and I call their office on a regular basis but it seems their company does not know what they are doing or ca n't explain the anomaly to me. Is their payment office is in Florida, there is no way I can speak to a person " in person ''. I am really desperate, I want to keep my house and just not stress out on this which should not really be a hard thing since I pay our mortgage on time or even few days earlier than the due date. Thank you and hoping to hear some relief your end. 
Sincerely, XXXX
There is a acoount reporting twice on my credit contacted equifax to remove XXXX since its also being reported by XXXX. Was never removed
I found through XXXX XXXX that there was a collections posted in my name on XX/XX/2016 by Professional Debt Mediation. I was never notified in any form of anything that was sent to collections and therefore was never given the opportunity to dispute. It is also a false claim from an apartment I was renting. I have been out of it for nearly 2 years now, and when I left we were in agreement that everything was taken care of. That is after I had to prove with receipts ( that they should have ) that I fixed the things they were claiming were dirty or damaged with no proof. Now my credit score has been damaged in the middle of buying a house.