WillisBack/dataset-financial-user-claim huggingface dataset:
THIS IS A NEW COMPLAINT. Prior complaint XXXX was rejected due to a document not showing when scanned and sent. 

This complaint is being filed on behalf of XXXX & XXXX XXXX, they purchased their home home a year ago. The owners work long day hours which makes it difficult to make contact, and they are not familiar with how they can correct this alleged payment issue. 
Mortgage is with Ditech who has the correct phone numbers, address and emails. 
The entire monthly payment with impounds is made via AHC ( automated pmt ) and have all been made timely.

The Servicer/Lender made no proven, documented effort to notify the homeowners by any means regarding ANY changes to their monthly payments due Ditech. There was no form of communication received from Ditch that the real estates taxes had increased and to adjust the monthly payment, this is what the tax service fee at closing is for -to notify all of what will be due upon the next cycle and make adjustments as needed. 

Their was @ {$30.00} increase to the taxes monthly, that the owners needed to pay. Without any proven documented communication the payment was rejected ( see attached ), then charged late fees. 

When viewing the attached monthly statements please note that there had been sufficient funds to cover the shortage regardless, then notify the Owners to increase their auto- payment amount thereafter.
2 years ago, I had two checks cashed with my checkings account card where my pin was used. When I found out I had lost my card that same day, I immediately called Bank of America to report lost card. However, I saw to checks cashed in my account the next day. When I claimed this as fraud, Bank of America denied my request due to the fact my pin was used inside a branch. However, I was in school all day, I have never been to the branch. I called and begged for them to CHECK THEIR CAMERAS, however no further action was taken. I was only XXXX XXXX XXXX and did not know I was suppose to file a police report with the incident. They started to take money from my checkin account to make up for the thousands of dollars that were cashed by another person. Till this day, they stall me on the phone and I can not get any help from anyone.
I held a spousal ( second ) card a Bank of America credit card last year with an account ending in XXXX. On XX/XX/XXXX my wife and together visited a Bank of America financial center branch in XXXX, MN. Our goal was to change my status from mere second cardholder to a fully-authorized co-holder so I could use Bank of Americas web portal to download rewards airline points earned ; I had been denied access when attempting that task a month prior. XXXX XXXX XXXX served us behind a counter as relationship banker that day, her business card below. Upon learning the details of our request she said that such a credit card status change was not possible and insisted we close XXXX and open a new one. I found it odd at the time, it seemed a simple technical matter to me. I inquired if the large amount of points we had accrued that year would seamlessly transition to a new account. She checked with her supervisor who was on site that morning and he said, yes indeed. So my wife and I went down that path that day, which was rather lengthy ; later we were sent new account cards ending in XXXX with co-equal status as requested. What did not ever happen was the transfer of airline rewards points from one account to the other. I made phone inquiries about his matter on XX/XX/XXXX ( with XXXX ), XX/XX/XXXX ( XXXX, XXXX ), XX/XX/XXXX ( XXXX, XXXX XXXX ), XX/XX/XXXX, ( XXXX ), and today, XX/XX/XXXX ( XXXX ), to resolve the matter of my XXXX lost points. Case numbers were assigned by the seven Bank of American customer services agents named above ( XXXX, XXXX ) with promises for resolution based on further research. Whenever I phoned I asked if the agent could review case notes but adequate notes were never entered they said ; ultimately the answer was always " no. '' I view the whole matter now, a year in hindsight, to be a scam of the sort appearing in the press last year pertaining to similar serial transgressions by XXXX XXXX. We were effectively coerced into opening a new account that then wiped out {$33000.00} of charges accrued into points. We were given busy work of a new card application with only liabilities accruing. XXXX XXXX, her XX/XX/XXXX supervisor, and Bank of America as a corporation all should be ashamed of themselves. I suggest they be investigated and, if appropriate, be fined, fired, or both.
I have an account that seems to me is a bank account closer and its negative in my credit report. XXXX XXXX XXXX in XXXX
In XXXX, I refused to pay for this refrigerator that was returned to XXXX twice for repairs. The XXXX refrigerator was sold to me as new but it was a refrigerator off of the floor of the store. I requested a new refrigerator after the appliance failed several times within the first four months of service but I was refused. The repaired refrigerator remained at the XXXX store and I discontinued making payments on this appliance. In XXXX of XXXX, XXXX XXXX XXXX purchased the debt and filed a judgment in XXXX of XXXX. XXXX used a law firm named XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, Texas by Atty. XXXX XXXX XXXX XXXX. XXXX to serve the judgment. On XXXX XXXX, XXXX, I was asked to sign a one-page document with the understanding that the debt would be resolved due to the statue of limitations in Texas ( e.g. 4 years ). On XXXX XXXX, XXXX, I was served a writ of execution that was secured by Scott & Associates @ XXXX XXXX XXXX, XXXX, Texas XXXX -- -Phone XXXX, XXXX. The writ of execution 's cause no is XXXX and it was filed electronically at the XXXX XXXX XXXX Clerk 's office, XXXX XXXX, XXXX XXXX, XXXX Texas XXXX. This debt is 19 years old and my property has been threatened for possession and or XXXX for this alleged debt.
I have a Navient student loan that I have been paying on since XX/XX/XXXX,  which started out as Sallie Mae. Through the years I have been paying on this loan without it my principal decreasing. Every year my monthly payments would increase. I would call to speak to a servicer and they would steer me towards the income-based loan repayment option. Still my monthly payments yearly would increase exponentially. Finally, in XXXX it got to the point even have doing the Income-based payments it was still too expensive for me to pay, so they directed me towards loan deferment. I did understand that my interested would still accrue, but did not know that the monthly interest rate changes. So now my loan is nearly back to were it started. All interactions were done by telephone but I do have all payments made towards my student loans.
Dear XXXX XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX/XXXX  XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX/XXXX XXXX XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX/XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX
XXXX XXXXXXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Opened XXXX XXXX, XXXX + {$550.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$1800.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$350.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$350.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$170.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$1200.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Opened XXXX XXXX, XXXX + {$1100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX + {$550.00} Original creditor XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$170.00} Original creditor XXXX XXXX XXXX XXXX XXXX FL The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, FL XXXX
I 'm an XXXX. Because of this I feel as though I was discriminated against when getting a loan from Honda Financial Services. For some reason I feel as though something is n't correct and I believe I was overcharged interest on my car loan. If possible I would like someone to look over my paperwork.
My mortgage was sold to Nationstar from XXXX XX/XX/XXXX. This is a loan modification that was in effect since XX/XX/XXXX, with never a late or missed payment and no issues XXXX. Since XXXX has had this loan there have been multiple problems. In XXXX my payment was increased due to an increase in the required amount for my escrow impound account. That was n't the problem - I only became aware of the increase when I received a letter in late XXXX from Nationstar stating that my XXXX payment had not been made. My credit union statement showed that it had been made on time. Because Nationstar had not received the full amount ( the new amount ) they suspended the payment - again with no notification. When I was finally able to find out what had happened to the payment I made, I paid the difference with the XXXX payment.They reported this to all XXXX credit bureaus as a late payment and in the case XXXX, continue to report that there have been no payments in XXXX, XXXX or XXXX. I have not missed or been late making payments on this loan and all payments are current. They are also reporting to all XXXX credit bureaus that my delinquent balance owed is {$63000.00}. This amount is part of my loan modification terms and is a deferred balance that does not incur interest or require payment. They have destroyed my credit that I have worked diligently to repair and I fear they are trying to dismantle the loan modification that I worked so hard to get. I have filed disputes with all XXXX of the major credit bureaus, but in the meantime my credit is a disaster. Please help.
Discover is running a promotion where they are giving 10 % cashback for all purchases made via Apple Pay in store until XXXX/XXXX/15. I have made numerous purchases using Apple Pay but discover has not honored many of the purchases because they added a clause several days into the promotion that says " gift cards are excluded. " To enforce this clause, they are now blanket rejecting many purchases above a certain amount and requiring customers to provide receipts to show whether the purchase is or is not a gift card purchase. No where in their terms of service does it state that customers need to retain receipts and then send them to Discover. 

This is a blatant attack on consumer privacy and has shifted the burden of proof to the consumer when it is the credit card company that should be the one verifying purchases. 

If Discover wants to exclude gift cards, they need to do it accurately and without requiring customer receipts to be sent to Discover.
I checked my credit report and saw a few fraudulent accounts on my report. The acounts are as followed : EXPERIAN XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$1200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$3000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$3200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5700.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$4000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5200.00} OPENED XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$1100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX  XXXX / {$4000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX XXXX / {$5200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$3200.00} OPEND XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$4100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6400.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX XXXX / {$3200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$3000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$2800.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$2900.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$1100.00} OPENED XX/XX/XXXX XXXX XXXX   XXXX {$1900.00} OPENED XX/XX/XXXX XX/XX/XXXX
i have disputed the info on my credit report with the credit card company for which they signed for on XXXX/XXXX/2016.. According to the FDCPA the credit card company is required to put a notice of dispute within 30 days. However when i checked my reports on XXXX/XXXX/2016 i saw that they failed to place a notice of dispute. I have already sent a letter to the credit card company regarding their violation and as of today they still have not removed the negative account from my report. 

This is my final goodwill attempt to clear this up out of court and without monetary compensation. If the credit card company does n't remove the negative accounts in a timely fashion i will sue them in small claims court nearest to me. I will request {$5000.00} as i have already outlined in my letter. 

I am attaching now the letter i have sent them and also a copy of XXXX credit report where you see their negative account.
XXXX XXXX XX/XX/XXXX Dear Sir or Madam/To Whom It May Concern, On XX/XX/XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency NEVER sent a letter stating that you had completed your investigation and the items were not deleted, as requested. 
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). 
To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 
Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

Please reply within 15 days or delete the negative items, as originally requested. 

1. SOUTHWEST COLLECTION SERVICES 1ACCOUNT # XXXX ON BEHALF OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XX/XX/XXXX To whomever it may concern, I noticed that my credit report, pulled through your company, shows a medical account that does not belong to me. I believe you have erroneously listed this account and I would like to have it removed immediately. Below is the account you have listed. 

Name : XXXX XXXX Social : XXXX Account : 1.SOUTHWEST COLLECTION SERVICES ACCOUNT XXXX ON BEHALF OF XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please remove this account immediately. I understand that, by law, you have 30 days to complete your investigation of these errors. I trust that you will provide me with the procedure that you used to verify the accuracy of the information listed above. 
Thank you for your time. 
Sincerely, XXXX XXXX XXXX
The Company locked me out of my house again for the second time after letting them know I was in the middle of moving and the house was not vacant! I still have my personal belongings in the house! I called the company several times and they have still not gotten back to me. What kind of monsters are these people? I am a XXXX, single, XXXX woman in Bankruptcy XXXX and I was working with XXXX to modify the mortgage. Rushmore hired a company to break in and change my locks. When I finally got into my home, I discovered the company they hired stole my personal belongs that I had packed in 20 boxes ' They have a sale schedule on the XXXX of XXXX. This is illegal ' I have sent them my authorization letter for them to speak with my attorney to get into my house and my attorney sent them an authorization letter and Demand. They are refusing to speak with my attorney and will not take his calls. They said they have to wait 24- 48hrs. This is my house and they have caused me emotional stress and harm mentally ' They also have advertised to sell all my possessions in the sale ' XXXX either sold, owns, or is the servicer of the mortgage to XXXX/ XXXX / Rushmore address. I send a Qualified Written Request letter to all companies to find out who the real lender is. I am also challenging all the security deeds as they said that I and my ex-husband XXXX XXXX executed them and that XXXX is out Attorney in Fact. The property description and the deeds are fraudulent.
You do n't really have a category for what my complaint is. I have a payment arrangement with a debt collector and have been paying what I said I could since XX/XX/2016. Since XX/XX/XXXX things in my home/personal life have changed and I have not been able to come up with the full amount and asked for a new arrangement until tax time when I hope to pay off the balance due. I want to continue paying something but they 're not willing to work with me. My account manager with an attitude let me do a lower payment in XX/XX/XXXX and XX/XX/XXXX but told me she wo n't do it again. I find her to have an attitude and I just do n't like her. The guy ( XXXX XXXX? ) who I had originally set up the arrangement with and that is his job from what I understand since his voice mail states that that 's what he does keeps transferring me to her even when I state that I want to talk to him. I 'm stuck and frustrated and not sure if you guys can help me but I thought I would give it a try.
Equifax was hacked and my information was stolen. I 'd expect a company whose job it is to keep personal information private have at least a competent security system. Now my information is available for unauthorized use forever. Given that they stole my SSN and all other personal information, I believe this will be an issue I will deal with for my lifetime.
I originally had a loan from XXXX and this past spring I looked into loan forgiveness because I am a XXXX XXXX. I applied to what I thought was a federal program and somehow XXXX XXXX has acquired my account. I am not sure how that happened, what they are charging me if there was a fee to switch which I had no intention of doing, I was just answering qustions mailed to me. I thought I was getting loan forgiveness but apparently I did not get loan forgiveness I got a new lender instead.In XX/XX/XXXX I recieved an email that i was a few weeks late on my payment so I paid that along with XX/XX/XXXX. I do online banking so I see when it when out and when it was cashed which was on XX/XX/2018. They sent me another email after that stating i was even more late so I emailed them via their website and received no response. Today I got another email from them stating that I am evn more late so I called them. They said they have nothing on file that I paid and they did not recieve my email. I then asked for a direct email so I would have proof, the rep kept arguing with me to just use their site and I refused since I had used it and thwy have no record of it. I have proof they cashed it and I have a confirmation number. They need to fix that and not ruin my credit and they need to be investigated for ilegal practice of aquiring accounts. They have 666 complaints on XXXX about collection practice and a F rating.
I submitted a dispute to Experian concerning my credit information that should be deleted and it continues to stay on my credit report. XXXX is a collection agency that is on my report from the original creditor XXXX XXXX # XXXX whom has sent me documentation addressing my account which has a zero balance ; I forwarded this information to Experian and they continue to still report this on my report. Another issue is XXXX XXXX and XXXX XXXX are old accounts that should not be on my credit report. The other XXXX credit agencies have removed XXXX, XXXX XXXX and XXXX XXXX but I seem to running into a brick wall when it comes to Experian.
I already filed Fraud Report over year and half ago these bureaus Equifax and XXXX I know for fact were aware and yet still reporting false account XXXX XXXX that was not opened by myself or anyone to my permission.. This needs to be properly removed as XXXX was only one to correct
XXXX XXXX. 
No clue why this is still on my account as its been closed. 

Department of XXXX This account was suppose to be deferred. Why isnt it?
I am currently divorced and the primary custodian of my XXXX daughters. I am in the process of losing our home due to specific credit problems that are preventing me from securing a refinance loan and lowering our monthly living expenses. During my marriage, there were several accounts opened fraudulently using my social security number, unbeknownst to me, by my then wife. I have attempted to reach these creditors and never received call backs. They have been charged off and are now affecting myself and my daughters instead of the person that originally opened these accounts. I am asking for help in removing these particular accounts from my credit report so that I may secure our home and future necessities. Thank you