WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted a loan modification package to my lender Nation star. I was given an approval for a HAMP Tier 2. In the documents I received and after a conversation with the assigned representative I was told verbally and in writing that the only reason I was denied for a HAMP Tier 1 was because I did not live in the property. I do live in this property and I sent them the requested documents to prove that I live in the property. I was told that the file had to be re-reviewed. I followed up a few times and each time I was told the file was under review. I called yesterday and spoke to a different representative who informed me that all of that was n't true. That I had to appeal the decision. This whole time I was told wrong information and was left waiting for a review that was not going to happen unless I appealed. Now after all this time wasted I still have no clear answer as to what is going on with my file.
I am writing this letter because I am fighting to save my home .Wells Fargo Bank and its attorneys have refused to offer me an affordable modification under HAMP, nor have they inquired as to my financial, qualifications so that I may stay in my home with my family. The state court has ignored my pleas in Illinois circuit court case XXXX XXXX. What is the purpose of the Consent Orders in XX/XX/XXXX, XX/XX/XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller and receiving a modification according to value of the property.
Several times I have communicated with chase bank, XXXX and TransUnion to notify a mortgage account that does not belong me. The account reported in my credit is XXXX XXXX XXXX XXXX * XXXX. This account I try to fix this problem and sending the evidence that I found in XXXX XXXX county clerk. Even with the evidence XXXX XXXX, XXXX and Transunion do not answer to the investigation as the law required. I want that they present the evidence that they have or otherwise this account must be erased of my credit report immediately.
i was a victum of id theft someone used my information to obtain loans in my name that were not authorized by me i made several attempts to notify the company with police reports and id theft affidavites. loans were opened on XX/XX/XXXX for {$3400.00}, {$3500.00}, XX/XX/XXXX for {$1900.00}, XX/XX/XXXX for {$2100.00}
I 'm very upset at US Bank First while it 's charging me for it {$80.00} for paying child support with my child support is taken out my work check write a file on me and take you {$80.00} for no reason victim of fraud they take your time to reply back they ignore me for over 2 weeks I 'll tell me what 's up what 's going on with my account and then I put my checks are getting deposited in there right now I have to wait for my money and I have no but I know my car 's messed up in the shop all my bills are messed up and then I was getting past due and they wo n't tell me how to make my money and I 'm going nuts
On our Barclaycard we had a balance of XXXX. We sent payment on XXXX XXXX Payment over balance in amount of XXXX with a due date of XXXX XXXX XXXX fully XXXX days or XXXX days to arrive in City XXXX XXXX. We called two days after XXXX XXXX ..XXXX XXXX. And balance indicated IT NOT only had not been recieved ( or so they would claim ) but there was additional balance indicating a late fee. IT however had to be in their possesion for it was cashed check XXXX on XXXX XXXX. We sent a XXXX payment of only the previous balance since i called and they said they would waive the late fee. This XXXX payment I sent check XXXX by certified mail and was recieved XXXX days later..the certification came back dated XXXX XXXX. I called that day to see if the XXXX check had been cashed and MY account showed a balance of negative XXXX that is a credit balance. I have another credit card with Barclaycard. and asked if this XXXX could be transferred against debt on this other card. They said NO. They agreed to send a check to us at our physical address of XXXX XXXX XXXX XXXX Michigan My name is XXXX XXXX XXXX. They did not they faxed it to our XXXX. Which was not agreed upon and charged us so fee..XXXX of which I recieved a letter date XXXX XXXX.in so doing. AND did not send us this months billing. but XXXX letters. DUE THIS month XXXX XXXX. and today is XXXX XXXX. So I called them today. NO explanation of how they arrived at XXXX. My intention had been to pay the balance and cancel the card..and they keep moving the DUE date and the payment address to XXXX. when it was in XXXX. and have trumped up some bogus charges made by someone XXXX like it was someone who got ahold of my account number evidently to make us feel like they were doing their job..or perhaps to sell us some other service. My neighbor has a Barclaycard..and a few other people I know and they have had similar problems with them So they need to be investigated. I called today ..no XXXX gave explanation of how they arrived at XXXX for some trumped up fee. WHEN the account was paid off. But they finally after calling DROPPED the XXXX and some guy named XXXX in XXXX said it was dropped but could not understand him. Something about XXXX fee. for reversing the check..I had tried to stop payment on the XXXX check..but it had already arrived and they cashed it giving a credit balance of XXXX aforementioned. So it was NOT like they were charging me for stopping payment on a balance owed them. in the XXXX place. IT was never stopped since they cashed it before STOP payment arrived evidently. Just all round bad business practice NEVER had a Credit card ever do this to someone WHO pays their bills. And NONE of them have ever charged to return MONEY overpaid to them. In fact XXXX credit card company without me calling XXXX returned the money because they simply wanted an even balance at XXXX. There is the story.
Barclay originally offered it 's Gold card to XXXX XXXX service members with 0 % APR and waived the {$990.00} annual fee as long as the members were XXXX XXXX XXXX. As of XX/XX/XXXX, slightly less than a year after signing up for the card, I received a letter stating that company policy was changing for service members and that the annual fee would no longer be waived. I was informed that on my next annual cycle I would be charged the annual fee unless the card was canceled prior to that date. While I understand that changing their policy is within their rights, I believe that this was predatory lending/marketing against service members, they advertised one policy and then changed that policy after they got the card member to sign up. In XX/XX/XXXX I received a second letter stating that if I closed the card I would not be forced to pay the balance immediately but could pay over time until the balance was paid off. While this lessens the blow if I close the card I 'm still left with the damage to my credit score that would be caused by opening a new account for less than a year that I would not have opened under the current company policy and carrying a balance with no line of credit.
Bank of America has been my personal Bank or many years. This is the first time I have experienced Bank of America sending me a new debit card to replace my old one. Due to what ever reason they had. I did not get warned of what may happen to my payments that are automatically deducted from the old debit card number. When they did this I noticed late notices coming in the mail and I had to take the time to go to the bank call all my utility companies and others that are on automatic pay which caused me a lot of a mess & time off work. I am still trying to call some of the companies that this happened to so now I have to pay double payments for there mistake due to the change of my debit card number without my consent. I hope in the future we can have a personal phone call of what there doing. Thank you XXXX XXXX XXXXXXXXXXXX XXXX
I attempted to dispute the debt that was listed I owe on my credit report but first Id like to say Ive never received anything in the mail, but Ive never had a XXXX XXXX credit card account or a XXXX XXXX account. They both have removed their self from my credit report now I have this company giving me a hard time and I sent a certified letter to them and they did not respond to by 30 days.
This website states that a debt collector can not call more than three times a week. This company calls me multiple times a day! I have a screenshot of my call log, four times today they called me! All during work hours, which I will not answer a personal call. 

XXXX The debt collector communicates with you or your spouse more than three times in one week. '' Transworld Systems/TSI XXXX is the number that calls me.
I have disputed this a few times with equaifax. They come back every time saying VERIFIED. Show me proof for once! I have called the courthouse and they said i do not have a recorded judgment and that equifax has NEVER called them ever. 

They are lieing. How can you let this happen. They must remove the judgment from XXXX they have XXXX file asap.
Ive submitted a dispute 5 times to the credit bureaus. They have a company XXXX XXXX showing a late payment for XX/XX/XXXX & XX/XX/XXXX. Ive submitted the dispute in the mail twice with a letter from the company showing it was never paid late. I submitted a dispute twice online. I also faxed in my dispute. Each dispute was denied even though I submitted documentation from XXXX XXXX showing the account was never paid late and the credit bureau still wont remove the late payments. This is preventing me from buying a home for my family.
I ordered wine on my Chase Visa on " futures '' that was supposed to be delivered in 2-3 years. It turns our the vendor was engaged in a pyramid scheme which was discovered and they declared bankruptcy. I went to Chase to have the fraudulent charges reimbursed. They agreed to reimburse the charges made within XXXX days, but claim that Federal Banking Rules prevent them from reimbursing the charges past 536 days. I asked for clarification of what rules have been issued by the Fed that would prevent them from making good on this fraud, and they refused to provide any detail. I asked to speak to a supervisor ( named XXXX XXXX ) in the dispute resolution department to gain understanding of what federal statute would prevent Chase from reimbursement and was denied opportunity to speak with him. I asked for email address so I might contact him and was told that I could not have that either. And there does not appear to be any way on the Chase site to reach this person. If there is a Federal law or rule which prevents them from making good on this fraud, than I understand. But, I a skeptical that such a law or rule exists and their lack of willingness to provide clarity seems to support this view. The amount under dispute here is approximately {$16000.00}. Any help you can provide is very much appreciated.
I keep getting letters about a mortgage I filled for but never got. They keep changing debt collectors to try and collect on this. I have never gotten any money what so ever from XXXX XXXX. The latest is a place called Ditech Financial, LLC. They want me to give them all of my personal information before they will even talk to me which to me seems like identity theft. I do n't see how these people think anyone will give them their personal information just out of the blue without some sort of proof about what they are talking about.
Equifax released ( because of a hack ) my social security number, address, and other sensitive information.
XX/XX/2018 XXXX XXXX still has not assisted in contacting the Credit Bureaus to report my account {$53.00} has been paid in full and account closed. 

According to the Credit Bureaus, XXXX XXXX has not contacted them to remove this negative on my report but shows that the balance is {$0.00}
I came to warn you about a website hosted under XXXX XXXX XXXX. 

I provided a Western Union for XXXX USD under the name of XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He receives payments for services he does n't provide. I was a victim of fraud yesterday and my order was not successfully completed. Western Union acknowledged the cash pickup and I was left without my service. 

He has a XXXX account under investigation with the same name XXXX XXXX XXXXXXXXXXXX. He set in motion a western union payment yesterday through my email where he convinced me to pay and continues to request for more money for services he did not complete as early as XXXX XXXX XXXX XXXX XXXX 2015.
Hello., I disputed through the BBB XXXX accounts by a company called XXXX on my credit report thinking there would be no problem with them being removed. XXXX and XXXX removed them all as unverfiable. Equifax to the BBB that they verified the accounts, but I dont believe so. The information Equifax gave me was the exact contact information that was on my credit report. They did not give me names of representatives. Nothing. I am just very confused why they havent removed them. The other XXXX credit reporting agencies did. I also have XXXX more collection that is on my account that is reaching the seven year mark. I would kindly like it removed if possible. Its from a company called XXXX XXXX. I really did not want to open a dispute with them through the CFPB, but knowing the fact that XXXX and XXXX removed them all is really alarming to me. I am attaching XXXX documents showing that both these agencies did indeed delete them.I also would NOT like a message to the CFPB saying " we are working '' on it and making me wait a lot longer. I want this derogatory information removed upon receipt. Also Equifax has blocked me from opening a new dispute. In there dispute center. I put it in about 10 times and submitted. I have XXXX confurmation numbers saying these accounts are under investigation, but in actuality. I XXXX back into the dispute center and the dispute is if it has never happened. I would like this practice by Equifax investigated as well. I can provide all those dispute numbers in the future as well.
In 2013 a XXXX male approaced me an manipulated me an pressured me into the bank of America on XXXX XXXX XXXX he then placed a fake check into the ATM with drawing over two hundred dollars then he ran away my accounts were then closed Ian a victim so please clear this up so I can open account again thank u remember I am a victim of fraudulent acks
I went to withdraw money for my XXXX told father from Capital one bank, located at XXXX and XXXX XXXX XXXX XXXX NY XXXX. I have power of attorney which was filed with this same branch office. I have been going in for a year making monthly withdrawals with no problems. Lat month I went in to make a withdrawal and the teller named XXXX said I was not on the account and said I couldnt withdraw funds. I told her I was POA and that I have been coming in for a year. I said the POA was submitted to this branch and I even told them where it was kept ( it the file cabinets ) After 4o minutes I made thewithdrawal and left. Today, XXXX XXXX, 2016 I went in and XXXX was there again. I gave her the withdrawal slip and she said that I was not on the account. I said I was POA and that we went through this last month. SHe said that I may be POA but that I am not on the account. This is complete nonsense. Even though she physically had the POA in her hand last month, I gave her my drivers license, she then asked for my social security number in front of other customers. Why am I being asked for my social security number, and in a non secure area I must add. I wrote it down and gave it to her. She then performed the transaction. I went to the desk of a blonde woman by the bank officers and told her what happened. She brought up my account on her computer screen and it clearly had my name listed on the account as POA. She admitted there should not have been a problem. XXXX did this to me because of what occurred teh previous month. Her behavior was unprofessional and was an act of spiteful and vindictive harassment.
I send my payment on time every month for 18 months and I have never received a statement or anything from them. I have no way of knowing if my payments are even being applied against my huge {$50000.00} balance. When I call them they say they do n't know the balance or payment information and they will have to contact the credit bureau for my balance. What are they doing with my payments? Why ca n't I access my account online to view my payments and statement information. They have never sent me anything and know nothing when I call. This seems very fraudulent to me.
I had to file two complaints with the Better Business Bureau against Key Bank. Both complaints were closed with a recording of unresolved and dissatisfied. I clicked on the link that CFPB sent me in an email on XX/XX/XXXX to inform CFPB that this matter still has not been resolved. However, when I logged on to CFPB website to check the status of my complaint, it was listed as closed. Therefore I am submitting a new complaint because this matter has not yet been resolved. Key Bank has not deposited my {$300.00} bonus into my account. I met the requirements to receive the bonus therefore Key Bank needs to deposit the bonus into my account as soon as possible because this problem has been ongoing since XXXX of this year. On page 10 of the 20 page pdf file titled Key Bank complaint, the document states : " Offer Code XXXX has been applied to this account. '' On page 13, the document titled Key Bank Account Details, lists the date of my Opening Deposit as XXXX XXXX. On page 18 is the email that I sent to XXXX XXXX which contained a pdf attachment of my relative 's Key Bank Account Detail which also lists the date of their Opening Deposit as XXXX XXXX and it also shows that they received their bonus and the bonus was listed as " {$300.00} Gift From Key Bank For Recent Offer ''. Therefore, I questioned XXXX XXXX as to when I would receive my bonus. OnXX/XX/XXXX, I visited the branch in person and requested my {$300.00} bonus and for a new debit card to be mailed out and as of this date I have not recieved either. I have attached 3 pdfs for review to proof these facts.
This morning I submitted payments for items I bought on Ebay, with the " Pay After Delivery '' option fully on display and understanding this as a term of my authorizing the payment. Half of these purchases did not go through as " Pay After Delivery '' and are now completed, even though I did not authorize this. 

I ( after one lengthy hold ) explained my situation to one of your " customer service '' ( and I do use that term VERY lightly ), who informed me " nothing could be done ''. I suggested she simply reverse or credit the charge and then resubmit these charges as requested ( and specifically dictated by the terms I agreed to ), which she replied she could n't do that. Even though you absolutely can and this is per MY request, for MY money for you abiding to the terms specifically outlined and agreed to. 

This constitutes a breach of contract for the agreed to services by you. I am now still waiting ( 43+ minutes ) to speak to a supervisor, who just now came on and can not fix this. You need to act in good faith, you need to fix this. I am contacting my bank to dispute these transaction and they will put a hold on them.
About a week ago, I received a letter from  Allied Int  ernational Credit Corp.with my name, and sent to my pa rents house, not even my address. The letter basically says that their client has tried multiple times to get me to pay this debt and now it is with them.     They say it is from my  XXXX  account. I have n't used  XXXX  in years. the bill is for {$37.00}.     I sent the letter to  XXXX  and they verified that this was a scam.     " The email is a spoof, also known as a " phishing, '' email. ( That 's phishing, as in " fishing '' for personal information. ) It did n't come from  XXXX . Our  Trust & Safety t eam is working to disable any websites it links to. " -  XXXX  email
This company has an unknown item listed against me. I have disputed with no response back from them. I have no idea what this is and there is always something listed which does n't belong to me. Please help
Despite being notified that a {$69.00} charge from XXXX was fraudulent and unauthorized, Barclaycard refused to reverse the transaction. They made no effort to verify the nature of the transaction but based their decision solely on the fact that it " appeared '' to be a recurring charge.
I sent  JH Portfolio  several certified letters asking them to validate this debt after continuing to pursuing collection activity, failing to report this item as disputed to credit bureaus and claiming to be the purchase of this debt! I will sue in court and will be rewarded $  1000/violation  plus damages. I have n't received any documents/statements or anything from  JH Portfolio.  When I sent certified letter I had correct address also when I called I updated my address.    JH Portfolio  is reporting an account to the credit bureaus that was paid to the original credit. I paid this account out to  XXXX   XXXX  on  XXXX   XXXX ,   XXXX  .   I spoke to  XXXX  from  JH Portfolio  and she said the balance was {$580.00} but I paid/renewed this account in order to get another loan., which  XXXX   XXXX   said  they sold to  JH Portfolio (  see attached ).   I 'm going to sue JH Portfolio and  XXXX   XXXX  for violated the laws under FCRP/FDCPA!!!
To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/XXXX 2017 by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/XXXX 2017 and they completed the request on XX/XX/XXXX, 2017 and XX/XX/XXXX 2017. I also disputed these same inquiries on XX/XX/XXXX, 2017 and on the same day XX/XX/XXXX,2017 the investigation was completed. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days also 1 day after the receipt of my certified letter and online dispute, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me and are FRAUDULENT. I did not sign for anything. I also sent in a police report. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
My issue is with all three bureaus as well as the following collection agencies : XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX and XXXX XXXX XXXX. 
I sent a letter of verification dated XX/XX/18 to all three bureaus, but received responses that the debts were verified as accurate and the accounts remained on my credit report. 

I sent follow up letters to each bureau, dated XX/XX/18 asking how the bureaus verified the accounts without documentation bearing my signature. The bureaus failed to enforce the creditors ( XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX and XXXX XXXX XXXX to show proof of any such accounts. 

XX/XX/18, I then sent a validation of debt, directly to each of the collection agencies with either no response or responses that were not validations. 

XX/XX/18, I sent yet another letter to the bureaus stating that the companies havent responded or failed to prove the debt and to date, have not received anything from either bureau! 

Today is XX/XX/18! Ridiculous! This all literally started in XXXX and its almost XXXX. Do companies no longer have to abide by the law?