WillisBack/dataset-financial-user-claim huggingface dataset:
We were forced to file another complaint against Goldman Sachs due to the CFPB marking case # XXXX a duplicate. The facts are, Goldman Sachs failed to respond to complaint # XXXX within the 60 days allowed. The CFPB Directors Office stated that if the business fails to answer all of our questions or fails to respond, consumers are allowed to file another complaint until the consumer gets an answer! Our complaints are NOT duplicates and we request that Goldman Sachs answers our questions and provides documentation. NOTE : this complaint will also be forwarded to the CFPB Directors Office along with the CFPB Ombudsman Office so this issue will not occur again now or in the future! Now, we filed a complaint with the CFPB, complaint # XXXX against Goldman Sachs on XX/XX/XXXX ; it has been over 60 days. Goldman Sachs has failed to answer our questions and provide documentation. We are requesting that Goldman Sachs answers our questions and provide the documentation as we requested. We realize that this is an old account but its my understanding that Goldman Sachs has digital archives. If Goldman Sachs sold or transferred our mortgage loan to another investor, Goldman Sachs should have maintained records of this asset being sold or transfer for accounting purposes! Goldman Sachs is fully aware of what is going on with our loan since they purchased our loan in XX/XX/XXXX from XXXX XXXX XXXX and placed the asset into a pool of trust, known as XXXX XXXX XXXXXXXX XXXX XXXX. The questions below are the same questions we asked in complaint # XXXX. First, after purchasing our Note and Deed of Trust from XXXX XXXX XXXX in XX/XX/XXXX ; did Goldman Sachs ever sell, transfer or Reconveyance our Note and Deed of Trust which is located in XXXX XXXX XXXX XXXX XXXX? Second, if so, who did Goldman Sachs sell, transfer or provide a Reconveyance too? Please provide documentation! Third, please provide dates with your documentation! If Goldman Sachs continues to not respond to our questions and fails to provide documentation, then Goldman Sachs is hiding something whether it mortgage fraud, bankruptcy fraud or Securities fraud. The facts are ; Goldman Sachs owned XXXX XXXX XXXX which XXXX reflected in a modification dated XX/XX/XXXX that XXXX XXXX XXXX XXXX XXXX XXXX was the current investor! If this information is correct, Goldman Sachs sold or transferred this asset to a company that had went chapter XXXX bankruptcy on XX/XX/XXXX in the District of Delaware! If XXXX XXXX was not the investor, then XXXX XXXX XXXX, a company that Goldman Sachs owned in XX/XX/XXXX provided fraudulent mortgage documents! This is something that all federal and state agencies must investigate due to the financial crises in XX/XX/XXXX caused by large banks, mortgage companies and investors! All companies that have violated our laws must be held accountable for their actions and compensate victims for any and all damages! NOW ; if Goldman Sachs did n't do anything wrong or violate any laws, Goldman Sachs would answer all of our questions honestly and provide the documentation requested. We request that Goldman Sachs answers all of our questions honestly and provide documentation!
My mortgage was sold by XXXX XXXXXXXX XXXX to Carrington Mortgage company. I wasnt notified of the transfer and only found out the month after transfer when i called in to pay the mortgage payment. I then contacted carrington in attempts to pay the loan with them numerous times, in which they had and still have a lock on the account and will not allow me to pay the loan. They are now reporting the account as delinquent and have ruined my credit score behind a loan they wont allow me to pay.
Backaround XX/XX/2016 I contacted my mortgage co, PHH Mortgage about re-financing.The original loan was in my husband 's name ( now deceased ) only. I told them I was going to apply {$50000.00} as a down payment. This was a gift from my sister-in-law. I was told they could do the closing XXXX XXXX, & I needed to send them the $ XXXX PLUS my regular payment of {$780.00} before XXXX XXXX. I did. No closing on XXXX XXXX. Then, after I started calling regularly, they mailed me a letter saying they had my closing set for XXXX XXXX. That day came & went. Nothing. So on Monday XXXX XXXX, I called to find out why they did n't close. Said they needed to do employment verification. They had done it twice already. I told them I was getting an attorney to investigate. Next day, I got a call saying they were coming to my house @ XXXX on XXXX XXXX. Never came. Wo n't ans wer my calls. I am a widow. No pension, no social security. Only a job paying {$10.00} an hour. I can barely pay my bills, & only then with help from relatives & food stamps. PLEASE help me if you can. Thank you!
I have XXXX credit cards with USAA Bank in XXXX XXXX. They are all Cash Back Cards but they do not tell you on your statements how much you have earned. In addition I asked to receive the cash and they try to get me to get gift cards, etc instead of the cash they owe me. They can not tell me, by card, how much cash I have earned and they try to make you jump through hoops instead of giving you the cash they owe you. I have been trying to get my cash back since XX/XX/XXXX and have been unsuccessful. The credit card dept. says the " rewards dept. '' handles that and the " rewards dept '' says the credit card dept handles that. 4 month and NO CASH. THIS IS JUST PLAIN FRAUD.
My bank is supposed to send my recent transactions to my   XXXX   XXXX   account. But has yet to even contact them.
Last Tuesday we recieved a call from a collections agent for Seterus. The representative was talking to my wife about letters we recieved that our account has fallen into foreclosure. We have been able to get our mortgage to just 30 days behind and have incurred and will pay huge penalties. In XXXX and XXXX will could not make the payment until the XXXX as the company I was working for had an internal hostile take over and commissions were frozen. This put us 45 days and right away we receive letters of impending foreclosure. This happened to us before and we had to borrow XXXX from my wife 's brother. As before the amount we owe includes hefty penalties. The reason for our struggle was a XXXX business that I owned and manage in 2016 was losing money. I was unable to take a check while we were trying to sell the business It would be worthless if the business was closed. In XXXX we forced to close the doors but found somebody to pay us just enough to pay down debt. I now have a stable job and we will make our payment Monday unless they tell us it wo n't make a difference as they will continue to move on the foreclosure. The person who called my wife talked to her as if she was a 5 year old. She told us to cut the off our cable like she had to do in the past. Very unprofessional and an example of how these debt collectors act. The last time the person told us to cut out our cell phones. Please help as you did in the past for me. If we pay Monday we are 30 days behind. All they want to do is force us to pay them there outrageous fees.
I have tried contacting this company several times and I am not getting a response. They are reporting to credit agencies but I do not know what this is.
Account was placed on Forbearance Plan and was told that it wouldnt report as late payment on credit report, but that a statement would be added. 
Mortgage account # XXXX. During the months of XXXX and XXXX 2015, my account was placed on a forbearance plan, in which XXXX payments were made on time. As of the end of XXXX, I called to cancel the plan and all previous past due amounts were paid immediately. Also looking at my credit report I noticed that late payment negatives were placed on my report for this mortgage account showing 31-60 days late. This is incorrect because I was told by the home preservation agent and via Wells Fargo site that it would not report late payments, that instead it would list on my report that the account was setup in a forbearance plan. When I saw this on my report, I disputed the late payments and asked that it be corrected. To date this was not done, and it is still reporting late for 2 months. 
This is unacceptable due to the fact that this was not clearly explained, especially the fact that it would go reported late being that this was an assistance plan. Had this been clearly explained, I probably would have tried other options. 
his does not address the issue that I have about reporting as late. Nowhere does it mention this, and no one mentioned to me that payments would be reported late. This company is nothing but a fraudulent company. They are not here to help, they are here to XXXX with people and attempt to take their homes. I read the reviews of their forbearance plan, and I wish I would have read them earlier. Nothing but bad reviews from customers due to lack of information and not clearly explaining things to their customers. As a result they have forced people into for closure and XXXX with people 's credit like they did with mine. I ca n't wait to refinance and geT away from this scam company. I do n't want nothing to do with Wells Fargo. I had perfect credit until they came and XXXX with me.
Bank of America and XXXX discreminating against law abidding gun owners and fire arm companies. These are public companies that should not be getting into social issues. What happens when they do not want to business with someone of color or the wrong political party? Where does this end? I would hate to see us move backward in banks treating everyone equally.
I am XXXX. I asked for payments. They said no. 
I worked in XXXX 15 years and know the FDCPA, when to accept payments, and when to sue. They think I am ignorant of collection tactics and the FDCPA. I was XXXX by the State of California XXXX. I know the rules. 
1 ) NAVIENT said you were not in school XXXX XXXX to XXXX XXXX so no deferment. I said check XXXX I WAS ENROLLED. 
2 ) I graduated in XXXX XXXX and was already getting bills and default threats without time to try to find ANYONE who would hire someone with my XXXX, have time to start a business, or raise the money in other ways. 
3 ) I OFFERED to sign a contract Navient has online - I was told those applications are only for XXXX. 
4 ) If Navient defaults me, I can be sued. I can lose my apartment, other creditors will sue because Navient hits my assets. 
5 ) I cant get a job or another apartment because THEY CHECK CREDIT. 
6 ) I SAID I WANT TO PAY what fits my Social Security XXXX and can increase payments as I sell personal items. They said NO 7 ) They said they never got the doctor 's note I emailed them - the headers on emails do not lie, Navient does. Their representative kept me on the telephone until he verified they received the email and downloaded the PDF document of the doctor 's noted. I have the date, time, and person 's name from that ay on the phone AND HE gave me the email address of Navient 's XXXX advocate. 
8 ) I told Navient if I am unemployable, have a limited income, and rendered homeless, HOW CAN I PAY what they want when I COULD HAVE BEEN paying all along? 
9 ) Navient has never said, you can consolidate he private loans. I get MANY CALLS DAILY and US mail letters. I remember rules in the FDCPA about dunning and the amount of calls per day. Navient is an omnipotent entity - they feel they are except when it comes to the law, and they are woefully ignorant that SOME MONEY is better than NO money 10 ) although Social Security has affirmed I am XXXX, why does n't Navient think I am XXXX enough? They use XXXX to " determine '' who is an IS NOT XXXX? 
11 ) It is odd that collusion between Navient and XXXX insurance company is the acceptable format in deciding the extent of XXXX. 
12 ) Thee is NOTHING anyone can say or do because Navient has us by the throat - we do what THEY want, WHEN they want, or they will ruin our chance or employment via bad credit, ruin chances to rent an apartment vi bad credit, and NOT have to go bankrupt on all other creditors. 
13 ) Per credit and collection classes I had in XXXX, certain things creditors do force individuals into " an act of bankruptcy '' ( favoring XXXX creditor over another ) PLEASE HELP. I WANT to pay, Navient says NO, you can not. Why ca n't I consolidate the private loans and avoid dozens of phone calls per week and many hard copy mail duns per month? 
Thank you, A XXXX person according o doctors and Social Security
my name is XXXX XXXX on XX/XX/2017 I went to XXXX XXXX to purchase appliances and was told that If I applied for a XXXX credit I can get 3.99 % for 36 months on my {$10000.00} purchase of which {$8000.00} was charged on the store card. I made the purchase and when I received my bill I noticed that I was being billed 21.99 %. I went back to the store and advised of the error and the store Manager XXXX called the credit department and advised me the the issue was fixed. After a few More months and countless phone calls and visit to the store the issue is still not resolved. I called the credit department and Spoke to XXXX @ ext XXXX who advised me that she can see the account is noted and she can see that I was wronged but there is nothing she can do for me and asked me to hold. She put me on hold for an excess of 30 mins and never came back on the line.. 

This was unfair and deceptive practices bait and should be an illegal practice. XXXX XXXX is benefiting off the misleading information they gave me as a consumer. 

I can be reached at XXXX or XXXX XXXX XXXX CC act # XXXX XXXX XXXX XXXX issued by Synchrony Bank
I noticed I had late payments on my XXXX XXXX  XXXX XXXX after reviewing my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is not correct.
I have attempted to have my name removed as a co-signer for my ex-husband 's student loans for quite some time. Per our marital settlement agreement, he agreed to full responsibility for the loan and have me removed as a co-signer. 

I took my ex-husband to family court in XXXX XXXX as I learned that I had not been removed and that the loan was considered delinquent. In XXXX XXXX, a collection agency notified me that his student loans were placed in default. 

In XXXX XXXX, I requested a deposition of my ex-husband as part of the family law process. During that deposition, I learned that he signed my name on several loan documents ( e.g., loan deferments ), for which I had no knowledge, nor did I give consent to sign any documents on my behalf. 

In XXXX XXXX, another collection agency XXXX XXXX XXXX XXXX XXXX contacted me. I submitted a written request that the collection agency provide me with whatever documentation was in their possession or in the possession of the creditor. In XXXX, I received documentation from the collection agency. The documentation provided did not substantiate their claim of the loan amount they were trying to collect, but most importantly, the loan document did not bear my complete and true signature.
We refinanced with Mr Cooper rolling our first mortgage and second mortgage together paying off all our credit cards and other debts. We also had about {$40.00}, XXXX cash out on the loan. During the closing process we asked about a couple things that they said they were going to be paying off. One was a credit card that did not belong to us it belongs to my husband 's boss totaling over {$5.00}, XXXX. Then there were five checks made out to pay my school loans but they were made out to the incorrect company. We closed on XX/XX/XXXX, I called on XX/XX/XXXX to get them corrected. They dispersed funds on XX/XX/XXXX but still made the checks out incorrectly. I've attempted to contact them numerous times not being able to reach people half the time and being transferred to various people. It has now been over a month and I still am not getting any resolution on this. We are out more than {$7.00}, XXXX and feel like we are being ignored.
Dating from over 5 years back I have been continually providing and disputing the same issue with not only XXXX but with Equifax as well. Over 17 times now I have provided with copy after copy of my bankruptcy federal paperwork informing them I had 2 student loans discharged through hardship circumstances of my bankruptcy from 2006 all of my other debt were taken off my reports over the years as they aged off and were also included in bankruptcy al except for these 2 students loans that at many point in time double listed on my credit file. I spent 10 years dealing with the penalty of having a bankruptcy on my file and was finally relieved last year when it finally came off only to be put through a new XXXX because XXXX  and Equifax both keep listing negatively on my credit so I still keep getting turned down because its still reporting as discharged through bankruptcy a full 2 years after I waited for the bankruptcy to age off every time I dispute it they keep re aging the debt I had a Rep yell at me and say why don't I just flipping wait till XXXX till it scheduled to fall off again. This should have ben off my report 2 full years ago instead it cause 11 separate denials of credit and housing. enough is enough
I received a debt settlement in the mail regarding a bank credit card i do not own. I did respond by calling the phone number on the debt paper i received but no person answered the phone but the voicemail did come on but it was full and could not receive and anymore calls and i got disconnected from the collector by their end. I feel uncomfortable paying a settlement i do not know about.
A company ( XXXX ) whom we had over a 10 year relationship, has charged us with a {$1100.00} early termination fee on claiming we had a one year contract, which we do not. They had sent us to collection and threatening to ruin our credit record. They have refused to produce the said contract ( since it does not exist. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
" Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : The inquiries are on my credit report which is attached.
A collection debt is being reported on my credit report at all three credit reporting agencies that I does not belong to me. This is the second time that this debt has been reported to the credit agencies. This is also the second time that I am reporting this to CFPB. The first time was compliant number : XXXX. 

The first time the debt collections was reported by XXXX XXXX and this time it is reported by XXXX XXXX. They have changed the debt amount by {$1.00} apparently to get around the requirement that this is not the same debt. The debt belongs to : XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX My name is : XXXX XXXX, not XXXX, and I have never lived at the address in XXXX. I do not have any money due payment to XXXX, nor have you or anyone else contacted me regarding this overdue account. 

I have previously contacted XXXX about the debt and they responded through you saying they needed more information to identify me. The contact email address they provided was incorrect. I have already provided in the compliant sufficient information to identify who I am and my credit report. There is only one collection account in my entire credit report and that is from XXXX. Therefore, it should be obvious which collection account is incorrect. Also, the collection account records from XXXX are for someone with a different name and address to me.
XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX During these months I no longer resided at my old address and had no internet or phone access. I was temporarily homeless and did NOT receive my billing statements. According to the fair credit reporting act CAPITAL ONE should not have reported me as being late if the statements were sent to the wrong address or if I informed them within 60 days that it was never received which I have.
After years of being a " good cutomer '' at Citizens Bank, they elected to terminate our business relationship. This included my wife 's business account ( a nonprofit ), her individual account, our joint account and a joint account with my son. This is done by sending a letter that looks like the rest of their junk mail and being given a week to clear my accounts. They said that the decision was permanent and final. They also said that they did not intend to give the reason. My credit scores are excellent and I have never been deliquent.They erased my bill paying functions and I have lost all records of recent transactions, including those they they decided to no honor. 
My funds are now frozen. They offer no explanations. 
This may be legal, but, certainly, not ethical. 
I suspect that this was triggerred by my wife 's nonprofit organization ( XXXX XXXX XXXX ) works in XXXX where they help with the education of children orphaned by XXXX through microluans to the familis and by direct educational support ( XXXX ). Funds are periodically wired to XXXX. Nevertheless, the operations are quite transparent. If this is the case, then they are guilty of a sloppy investigation. So, it must be something else.
United Consumer Finance is inaccurately reporting an alledged debt in the amount of XXXX on my Experian credit report that is inaccurate and injurious to my credit rating and overall l financial status. I have sent United Consumer Finance a validation notice under The Fair Debt Collection Practices Act Section XXXX via certified mail return receipt requested on XX/XX/2018 Article # XXXX XXXX XXXX XXXX XXXX. 
I disputed with credit bureau ( s ) and it was illegally verified by United Consumer Finance. 
The alledged truncated account number reporting on XXXX   credit report is XXXX want this inaccurate, injurious, erroneous information removed immediately from my XXXX credit report. 
.
There are 3 different inquiries i have never applied for nor have any knowledge about. 

These accounts are listed below. 

1. XXXX date : XX/XX/XXXX 2. XXXX XXXX XXXX XXXX date : XX/XX/XXXX 3. XXXX XXXX XXXX XXXX date : XX/XX/XXXX Why is there a double inquiry for the same company? 

I dont have any accounts opened by these creditors. 

I recently received a copy of my XXXX credit report I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it.
I am having this American express account for like XXXX years I keep on making my payments and the balance is not getting any lower they charge an APR of 25 % which is outrageous. 

I never missed a single payment ever I was the one who closed the account not they.
They are calling my place of employment and harassing me about a debt that I am disputing after I had asked them not to.
I would like to request a security freeze placed on my XXXX XXXX XXXX. I choose to opt-out of your disclosing future information until further notice including the and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX I am XXXX XXXX XXXX XXXX. I currently live at XXXX XXXX XXXX XXXX OH XXXX. 
the following addresses are not mine : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following number are not mine please delete remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Experian and XXXX are reporting I have a tax lien reported by the XXXX XXXX County Recorder. The County Recorder DOES NOT report tax liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681B ( c ) and a serious breach of my privacy rights.