WillisBack/dataset-financial-user-claim huggingface dataset:
CACH holding has not contacted me in the 2 years of debt that I have owed them. I have not received a single phone call or letter from this agency. My credit report shows " criminal activity '' and other key issues that are currently denying me from receiving an auto loan. I have been trying to resolve this issue for over a year, with extreme persistence through the last month. I have not been able to find any contact information about this holding company and my current debt is affecting my ability to acquire a loan for a car that, due to my location of residency, I desperately need in order to continue to remain employed. I need this issue to be resolved this week.
Collection Account for XXXX XXXX XXXX XXXX Afni Acct XXXX {$280.00} I have tried very hard to be reasonable and understanding of this issue. I disputed the validity of this debt after numerous calls stating I owed money. I explained that I was not aware of account and after 3 requests, you provided me with details stating it was a cell phone account with XXXX XXXX XXXX. I explained this was not established by me and even went as far as to provide you with a copy of a police report. 
Notwithstanding, the calls continued. Against the advice of my attorney, I denied your settlement offer and instead PAID THIS IN FULL. This is affecting my credit and my ability to purchase a new home. So being that I am in between a rock and a hard place, I chose to pay you to show that I want to work through this were we both come out better. The funds were paid via your website ( conf # XXXX ) via debit card. 
Now I simply ask that you remove this collection from my file. This was fraud. Under FCRA guidelines, it constitutes as a file for deletion. I was victimized -- you came out 100 % in this. The least you could do is remove this from my credit reports. Please communicate with me via mail at the address above
I had my information stolen a couple of times. Once from a family friend who made many transactions I was aware of & & again a website I frequently used was hacked and the hackers used my card information to purchase multiple gift cards. Chase closed my account without warning and knowing the reasons my claims were filed. I received no warning and no explanations regarding this. I have been a customer with Chase since I got my first job at XXXX years old. Been with the company over 10 years and was treated unfairly! The company sends me information to open an account and this one time I tried again they closed it without contact! Chase does not value their customers and although I would love to bank with them again. I guess I will get no information on if I will ever be able to. My whole family banks with Chase my grandma who is in her XXXX is the reason my family uses them.
capital one has been going back and forth on my credit report and putting negative information on my account. I file chapter XXXX and was discharge after successful completing my payments and capital one went on my credit report a negative remark. I went to chapter XXXX XX/XX/2015. Before I went I was making payments arrangement through XXXX and XXXX to pay capital one which they transfer the account to a third party. Once I went to BK they decided to comeback and update my credit report in a negative way. Its been 3 years and 2 months since I had a negative remark. They report recently and now I am a month since negative remark.
I do believe that this company has not delivered the service agreed upon in the contract. I told them that I would not be able to continue to bind agreement to this contract in such that I had to subside to the issue of the benefactors that have enabled my immediate provision and the monetary trade of this due process was not feasible under my most urgent concern at the time of the arrangement. I was not in a position to utilize this program at the times availed to me, due to the due party not providing a convenient and feasible housing constraint for me to utilize at the times that were subsided for me at the times of availment. I need this incorrect information removed from my credit report as a result of the circumstances at hand.
They have called me many times saying I paid on a visa card from XX/XX/XXXX-XX/XX/XXXX from XXXX XXXX XXXX which XXXX XXXX XXXX bought. This has never been on my credit report and im not sure how they got my information, but I know for a fact this is not me because I was minor XX/XX/XXXX and I got my first credit card XX/XX/XXXX. They are very rude and telling me " I guess you are refusing to pay your debt '' and that I owe XXXX but they will settle for XXXX. This is not right!!! They call me daily ... this is not my debt. I have had identity theft before but not in XX/XX/XXXX. I was stil in high school.
Hi This Complaint Is About My Lender ( WELLSFARGO BANK ) My Lender Is Trying To Defraud Me. The Way The Ca n't Keep My Property With Using Different Information. I Fax Document One Representative From One Department Saying That They Never Received Any Document And A Other Department Telling Me That They Did Received The Document Please Help Me With This Matter Since The Want To Sale My Property Telling Me Lies OnLy Lies Please Help Me My Account Number Is XXXX
In XXXX I filed for Chapter XXXX Bankruptcy. I successfully completed my chapter XXXX bankruptcy in XXXX XXXX. Shortly after my discharge, I got a notice from Bayview that I was 229 days delinquent on my mortgage and the amount due to bring my loan current is {$16000.00}. I disputed the delinquency amount and I found out that they have my account in suspense. I contacted my lawyer who then wrote to Bayview to remove my account from suspense and credit my payment accordingly, but Bayview did not do that correctly. On the Post-Petition Ledger from Bayview Transaction date, XXXX/XXXX/XXXX amount received {$11000.00} this payment was not applied correctly. 

I also told them that if I had missed a payment while I was in bankruptcy, they were by law supposed to call the bankruptcy court as well as my attorney to report me and that they were in violation of the bankruptcy code. Since then, I have been trying to deal with them. They sent me an application to apply for a loan modification, making home affordable to avoid foreclosure. I accepted the offer and I applied for a modification. I submitted all the necessary documents as requested. Three months later Bayview denied the modification stating a Negative NPV- that the owner of my loan did not approve a modification. 
They gave me alternatives to pre-foreclosure or Deed-in-Lien. Bayview tactics are unethical and illegal, they are making it very difficult for me so that they will foreclose on my house and make money.This company is just awful, does not record all payments, even though the checks were cashed and I have proof from my bank Attached are my correspondence to Bayview and the Post-Petition Ledger from Bayview showing all my payments.This company is just awful, Bad COMPANY TO DO BUSINESS WITH. A lot of negative complaints about this company, they have destroyed a lot of families. See attached compliant. 
https : //www.consumeraffairs.com/finance/bayview-loan-servicing.html? page=2
I traded my XXXX Honda fit in at a car dealership. The payoff was not made in time and the lender American Honda finance reported to the agency I was late and did not make my payment. This made an absolute terrible mark on my credit score. This trade in was nearly a month ago and since then the car has been paid off finally by the dealership on XXXX XXXX  2017. However American Honda finance has also never updated the report and they still show my account as being open although the car has been paid off which is still making a direct mark on my credit score
I have submitted a short sale with a purchase and sale with Ocwen Mortgage and they have lied to me and are taking way to long. I was told today that another BPO was requested and when I asked who is requiring a another BPO and I was told it was my mortgage insurance company. Which my reply was that 's not correct because I do n't have mortgage insurance on my current loan. The person keep repeating it was my mortgage insurance company. I then asked what is the name of the mortgage insurance company and I was told XXXX ( which I had them spell it to make sure I was hearing the person correctly ) I told them that 's funny because XXXX is my homeowners insurance and they do n't have a say in requesting a BPO or anything to do with a short sale approval. I called him a liar and then was told he would not talk to me anymore. I have sent a request to the short sale department to contact me. I will keep calling them until I get a direct and honest answer. This short sale process has been going on since XX/XX/XXXX. I was served with a NOD yesterday and I know exactly what they are doing. The bank came back with an approved bpo of XXXX and my buyer agreed and signed the required papers. I was informed on XXXX/XXXX/16 that the owner of the loan did n't accept the price. I was told by my relator on XX/XX/2016 that ocwen is requiring another bpo. they are suppose to call us for access if needed. they may assign exterior only. As of today no one has called me the owner or my agent. When I was talking to the short sale department today the person asked me who should they put down for a contact person. Uhm ... .they have my information and the agents. Today is XX/XX/2016 and no one has contacted me or my agent to give auth. to access my property. I am frustrated and this is not right. I and my agent have done everything they have asked and they are not doing what they are suppose to be doing. I need assistance with this matter. Last correspondence was dated XX/XX/2016 from ocwen saying they received a short sale submittal which is a little confusing. Because I have correspondence dated XX/XX/2016 that was a conditional approval, then XX/XX/2016 correspondence stating they received correspondence, then XXXX they receved a short sale request and are currently reviewing, then XX/XX/2016 received notice they denied the short sale due to owner of the loan did not agree to the discount amount that was submitted. Then my agent send the forms the buyer signed that acknowledge the higher price of XXXX on XX/XX/2016. Then I did n't receive a notice from my mortgage company that was dated XX/XX/XXXX saying it was in review. So what was done for XX/XX/XXXX? My agent talked to my mortgage company on XXXX/XXXX/16 which is when I was informed that the mortgage company is requiring another bpo. today is XX/XX/XXXX an the me the homeowner and my agent have not been contacted by anyone to schedule access to the property. So what are my rights??????????
Wess Fargo closed a credit card for lack of use, No Foul. then sent a derogatory report to experian credit co. I asked the Wells Fargo why they did this, they could not give me an answer. soon after this my credit score plenished. my american express account was lowered from XXXX XXXX to XXXX XXXX. My cap one account was suspended. I wish to file a complaint on both companies. would you provide the name of a good lawyer to look into this?
I disputed a transaction on my USAA Master Card and they took charges off. They Merchant responded and they reissued him the monies even though I have resubmitted more evidnce showing substandard work and misleading representation to Emissions they will not take the monies off because they do n't have a letter from a third party even thought they have the problem on the receipt. They are letting XXXX XXXX XXXX get away with fraudulent business practices at my expense.
I have been with this company since XXXX of 2016. I originally started making my payments in full and recently about three months ago, I started sending in weekly or bi-weekly payments because it was easier for me. I called last week to find out what the balance of my payment was due for this upcoming Friday and received an odd amount. I called back this week and spoke with three different agents who provided me with three different amounts. I spoke with a supervisor who provided me with an amount that was more than what I showed I owed. I had to go back and check my payments to just verify and the numbers just did n't add up. Their online website only provides the statement amount due and does not reflect the current balance after payments have been made, nor does the phone system. You have to speak to someone to get an answer even if it is not accurate. I am so concerned that my payments have not been accurately posted to the account. I need to figure how how someone can audit my account to ensure that I my overall balance is correct. This frightens me and it is unsettling to know that the company I have my car loan with does not have my best interest at heart and I wonder how many other customers they are getting over on.
I would like to cancel/remove the consumer statement alert appearing on my consumer credit report and my credit report as it is hindering my application for credit.
On XXXX/XXXX/2016 I opened a checking account with Citibank NA, account number XXXX for {$15000.00}. This account had {$400.00} bonus promotional offer which should have been deposited into my account within 90 days of opening the account which would have been on or about XXXX XXXX 2016. I opened a dispute with the bank as directed by the Citibank customer Service Representative, Case number, XXXX. Based on the attached letter they confirmed I met the promotional requirements. They are now claiming it could take up to an additional 90 days to get the matter resolved. In my opinion, I met all the requirements and the funds should be deposited as of XXXX XXXX 2016 and should not have to wait an additional 90 days. Further my funds should not be held hostage until resolved. Also FYI, I did file a complaint with the Federal Reserve Consumer Help and they informed me it was forwarded to you as last name XXXX not XXXX. Please fix on your end as appropriate.
I 've tried contacting the agency that the debt was placed to inform them that the debt is not mine, as I 've never had XXXX XXXX  services. The debt is not mine.
I called the company USAA & was told I could skip a payment by extending my autoloan by a month which I requested. The following month I found out I wasnt eligible being that my car loan was less than a year old. Being that they didnt auto draft my payment Im under the impression everything is as discussed so when I notice my payment the following month says late so I contacted them & thats when Im informed of the situation. Ive disputed, called them & explained. A couple of times the employees have understood & actually saw the notes but said they didnt have the authority to change it since a 2-4 months had passed. They forwarded me to their XXXX  department to file another dispute which led me here. I literally just got off the phone with USAA & they sympathized but instead of admitting fault and doing the right thing by removing the 30 day late notice from my credit report, they have to understandably support the USAA & coworkers.  Understandably I have to do whats best for me & I will not stop until it is removed. I will not be punished by USAA for being misinformed by USAA.
The Chase Mileage Plus Credit Card gives as part of its annual membership reward two lounge passes that can be used at XXXX XXXX XXXX to gain entry. These passes are valid for one year and each XXXX they expire. 

I have tried and failed to use them at XXXX XXXX in XXXX NJ on two separate occasions when they were not accepted by the agent at the gate. 

I called Chase in XX/XX/2018 to request that I be given two new passes as I would be unable to use these before their expiration in XXXX and that is a needless burden on me. 

I was refused my request, also refused request for compensation and refused request for any other adjustments including waiver of annual fee. 

They said they were not responsible for their passes being refused acceptance at XXXX XXXX. I had on prior occasion called XXXX XXXX and they said that the passes were issued by Chase and not by XXXX, I should discuss this matter with them, not XXXX. Chase said the same, I should discuss this with XXXX. 

Bottom line is, I lost use of two passes worth {$130.00} What is the point of a benefit it a ) it can not be used and b ) can not be compensated for upon failure to use. I have been a card member for many years, and this is what they give you.
This account was removed from my XXXX credit report & Santander placed the account back onto my credit report after being removed due to reporting inaccurate information. I am requesting that Santander remove the account from my XXXX credit report ASAP. I have already contacted XXXX  but they advised that i have to complete it with santander
My bank account has been compromised three times by fraudulent XXXX charges. I have had to get a new debit card three times due to the charges. 
XXXX had my Wells Fargo debit card as a form of payment until XX/XX/XXXX. I changed to an XXXX XXXX as my form of payment because I thought it would be a better option. 
On XX/XX/XXXX I got a fraudulent charge of {$13.00} on my Wells Fargo debit card. The bank entry was as follows : RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX   XXXX I reported this immediately and was told I had to get a new debit card. I was credited the {$13.00} on XX/XX/XXXX. 
On XX/XX/XXXX I got another fraudulent charge of {$12.00} from XXXX on my Wells Fargo debit card. The bank entry was as follows : RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX   Once again I called Wells Fargo and was told I had to get a new debit card. 
On XX/XX/XXXX I got a third fraudulent charge of {$14.00} from XXXX on my Wells Fargo debit card. The bank entry was as follows : PURCHASE XXXX   XXXX I called Wells Fargo on XXXX and was told I had to get another card. 

After being fed up with this recurring problem I spent all day on the phone with various parties : 1 ) Wells Fargo - spoke to 3 different people escalating the issue to supervisors. Was told that I needed to contact the merchant and have them opt me out of their Visa Account Updater. 
2 ) XXXX - called XXXX and they had to XXXX what Visa Account Updater was. Gave me VISA 's number and told me it was their responsibility to opt me out as XXXX had no power to opt me out. 
3 ) VISA - called Visa and was told that is was Wells Fargo 's responsibility and they were the only ones who had the authority to control my Visa Account Updater.

4 ) was transferred from VISA back to Wells Fargo and had to start over again at the entry level caller and had to escalate to another supervisor. This supervisor told me that the  merchant XXXX was the one responsible. She even told me that she had the same experience and that XXXX holds on to all credit cards even after they are deactivated and they have the control over the Visa Account Updater and opting out. 
5 ) XXXX - called XXXX back and had to escalate my complaint to a supervisor level. Was told that she had the same problem with Wells Fargo and had to get a new Wells Fargo account because once you have a debit card attached to an account the credit card gets followed around by a merchant such as XXXX.
A financial package was submitted for the borrower 's to be reviewed for a loan modification on XXXX XXXX, 2015. The submission date is XXXX days before any scheduled sale date. Wells Fargo Home Mortgage has not provided an ackowledgement letter confirming receipt of the package or a missing documents letter within XXXX days of the submission date ; therefore delaying the borrower from being reviewed for a loan modification within a reasonable time. We are requesting an acknowledgement letter confirming receipt of the package and a missing documents letter which details ALL the pending documents needed so the borrower may be reviewed for loss mitigation options within a reasonable time-frame as allocated by the Consumer finance protection bureau.
We refinanced our Mortgage with Bank of America, using the HARP program, from a 30 year fixed to a 15 year fixed in XXXX of XXXX. The age of our loan is now 4 years and 10 months ( XXXX XX/XX/XXXX). Our original loan amount on the 15 year fixed mortgage was {$290000.00}. Our current principal loan amount is {$210000.00}. We have PMI on our loan and would like to get the PMI removed. On XX/XX/XXXX, I called Bank of America 's PMI Deletion department to get details on how to formally begin the process of removing PMI. I was told a phone call was sufficient - no written letter required to get the process moving. We received a letter on XXXX XXXX from Bank of America stating that a new appraisal had to be ordered so they could determine if we met the " 75 % LTV '' rule. We can only use their XXXX XXXX XXXX appraisal service - writing a {$480.00} check to Bank of America. The Homeowners Protection Act of XXXX states that, depending on the loan, a homeowner must meet the " 80 % LTV '' rule or the " 78 % LTV '' rule to get the PMI removed from their mortgage. There is no mention of having to meet a " 75 % LTV '' rule. Bank of America states " the loan to value ratio of your loan, which is based on the original sales price or appraisal value of your property ( whichever is less ), has n't met the established LTV requirement to submit a request to cancel PMI. Based on this, as well as the type and age of your loan, the requirements to cancel PMI on your loan are : 1. No 30-day delinquencies over the past 12 months and no 60-day delinquencies over the past 24 months AND 2. current property value has n't decreased from original sales price or appraisal value ( whichever is less ) and the loan to value ratio based on your current property value is less than or equal to 75 % OR 3. current property value has decreased from the original sales price or appraisal value ( whichever is less ) and the loan to value ratio based on your current property value is less than or equal to 75 %. '' Then they want a new appraisal for {$480.00} to determine if our loan meets the 75 % LTV rules. I want to know where Bank of America is using 75 % LTV when the Homeowners Protection Act of XXXX says either 78 % or 80 %. How is that legal? I want to know how they are using an appraisal from the refinance of the mortgage 4 years and 10 months ago - since this is a HARP loan and did n't require an appraisal. We never received any notice of this appraisal. I want to know exactly when we can expect to have the PMI removed. What are the exact steps to get the PMI removed? When is the loan at 80 % and when is the loan at 78 %? When will be PMI automatically be removed ( if we did nothing )?
After viewing my credit report on XXXX XXXX, I see that there are XXXX inquiries from XXXX XXXX. I agree with the inquiry on XXXX XXXX, but I am asking for the XXXX XXXX inquiry to be removed, it should not be XXXX inquiries on my credit report from XXXX XXXX. I did not apply for the card until XXXX, which you can see on my credit report that is the same time the agency started reporting on my credit report. That is not fair or correct to have the XXXX inquiries. It should be just XXXX.