WillisBack/dataset-financial-user-claim huggingface dataset:
I bought my home 8 years ago and paid cash for it up front. Anyway over time I found out my ex never paid our HOA. A couple of years ago I entered into an agreement with the attorneys for XXXX XXXX XXXX XXXX that they would remove the lien and other owed funds once i made a one time payment of XXXX which I made and notified them of the payment at that time. Anyway they never took the lien off my home instead they compounded it with legal fees and are now foreclosing on me. They never let the judge know about this agreement and when I spoke with their attorney I was told they would no longer honor the agreement we had even though it is in my file and I do have the negotiations and agreement in my email. They just plan on taking my house just like that. XXXX XXXX made the agreement with me on their behave she is the Director of Collections for Carpenter Hazelwood and they say I now owe over 20k dollars all of which are legal fees which I would not have had if they had honored the agreement. I still have all the emails including the negotiations and XXXX telling me they would remove the lien from my home and eliminate the small amount left. In addition to this I am never notified of any court dates either I am only notified after the fact and I am certian this is because they know I will make the judge aware of the agreement. So the judge has signed a foreclosure without having the information and I have been holding them off but am now out of options. How is this legal or even remotely fair business practices? I really need help
My name is XXXX XXXX. I was a student of XXXX XXXX XX/XX/XXXX ,XX/XX/XXXX - XX/XX/XXXX. Under the Federal Lawsuit against XXXX XXXX XXXX., XXXX and its subsidiaries schools were closed due to illegal practices with federal funding. during my tenure, i took out student loans federal and private to assist me with my education. I was not fully aware I had taken private loans out, due to the severity of enrollment and pressure to attend classes to graduate. Fast forward, after the school closure I was contacted by National Recovery Solutions XXXX XXXX XXXX who stated they were collecting on my loans and I was delinquent and had to make a payment or else ... .I stated I have in my possession n, a notice from the Attorney General stating the lawsuit and my private loans were cancelled. But in their interest, they stated that it was not valid and I had to make a payment. I made payments as follows - XX/XX/XXXX {$30.00} - XX/XX/XXXX {$200.00} - XX/XX/XXXX through XX/XX/XXXX - {$100.00} a month, and XX/XX/XXXX -XX/XX/XXXX {$20.00} a month. I recently spoke with the company again to tell them these loans have been cancelled and should not have to pay and now I am being passed though the grapevine from manager to manager to phone representative, who has not been able to help me. As stated on the documentation attached, and payments made after the settlement, I would be issued a refund, and as I spoke with NRS, they stated they had no idea about my paperwork, and would look into it. 

Please help me - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX
I was the victim of Identity theft for a period of 5 years there were many accounts opened and many inquiries that I did not authorize. I have reached out to the credit bureaus who referred me to the company who pulled the report. After trying to resolve this with the companies directly unsuccessfully, I reported the Identity Theft. I rarely use credit and to this date only have 3 authorized credit accounts. Now that I need to use my credit to guarantee a business loan for the XXXX XXXX I own, I can not due to the negative information that is in my file that was not done by me. One of these inquiries resulted in an account being opened with XXXX XXXX XXXX. XXXX XXXX XXXX  has already removed the account from my file due to the fraudulent activity.
I had a debt with Discover card charged off in 2007. The seven years have passed and the debt/collection has been removed from my credit report. Subsequently, today I received a XXXX debt cancellation from discover card. It is my understanding this tactic has received numerous complaints. Additionally, this is old debt. Why did they not issue this over 10 years ago? Please advise. I clicked debt paid because there was not a better selection. The debt was charged off 10 years ago.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A XXXX   : XXXX N/A XXXX  : XXXX, XXXX XXXX:XXXX, XXXX XXXX Experian : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX  : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX  Experian : XXXX XXXX  : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX  : XXXX, XXXX XXXX Experian : XXXX XXXX : XXXX.
I am a divorced man who has a mortgage with Wells Fargo. I am the only mortgagee, with insurance through XXXX XXXX. 
Last XXXX my ex-wife opened a XXXX property insurance policy through XXXX without my approval nor permission. I am not on the XXXX policy, and ex-wife is not on mortgage. XXXX apparently presented Wells Fargo with a request for payment, and Wells Fargo paid them {$910.00} from my escrow account. I found out a month or XXXX later when checking on mortgage account. 
When I confronted Wells Fargo, they refused to accept responsibility and blamed XXXX. I reminded Wells Fargo they had a fiduciary responsibility to safeguard my escrow funds from intentional or accidental access from those without legal reasons. Wells Fargo acknowledged on phone they paid XXXX based on electronic request, but wont provide me proof of this. Wells Fargo refused to refund the money they gave XXXX. XXXX eventually cancelled policy BUT did n't return funds to escrow. And now they wont return my emails nor phone calls. 
Now I am out {$910.00}, and Wells Fargo will not replace the money they had an obligation to protect.
Apply for course with XXXX XXXX XXXX XXXX, requested to cancel course the next day and was told that I can not cancel course, when I told them about the 3 days right of refusal. I was told that it did n't apply to that course. I have never log into their course or use their course and should not be charge {$2000.00} for not using or receiving the course work. I feel that I am being force to use their product.
I have found incorrect addresses and account details on my credit report. I would like to dispute this information and have it deleted
I applied for a chase freedom card and it was denied. I'm wondering what I need to do to get accepted. If my credit card score is too low how can I fix this?
Filed previous case regarding Bank of America Home Loan # XXXX does not respond to the consumer regarding lending practice, and or questions protected by the Truth in Lending regulations and the standard Federal Reserve policies. Again the same issue as the XXXX previous complaints is each time the bank responds to our requests for information the specific questions asked are not addressed. Then when that is pointed out via certified mail the bank sends letters for a while with a new Resolution Specialist each time extending the date a resolution should be received. So they acknowledge there is a valid issue to address but they need more time. Then the same as the entire process with the mortgage sold from Countrywide and was a bad loan Bank of America has not responded to modification documents for four years on and off. They have lied in writing and on the phone on notified recorded calls. Again the last response was dated XXXX XXXX, 2016 copy attached to this complaint stated a resolution would be received by XXXX XXXX, 2016. That date has come and gone. There has been another XXXX documented and recorded phone calls and certified mail requesting an update. All have never been responded to. If I have to file multiple complaints for the same issue that there is no promised response from my lender this system is not helping the consumer. I have filed a complaint with XXXX XXXX XXXX, my Senator and Congressman and the Federal Reserve as well as the Attorney General. I am feeling that the Bank would get better response and assistance by this process.
A debt for an electricity bill that was fraudulently opened under my name that I had removed from my credit report last year that was readded this year
I have requested that all Dispute remarks be removed from all accounts on my XXXX, Transunion, and XXXX reporst. The remarks need to be removed before I can close on my home loan. 

I was told by a Mortgage Company to dispute the issues that were in collection and then now being told by the another company that all dispute remarks have to be removed. I called each company and so far the remarks remain on my report.
XXXX  and transunion won't give credit report online, but  XXXX  did.
I applied for this credit card in XXXX, 2019 and then called, The account was open and then I called to close it because it did not meet my needs. I have not received an email stating the account is closed.
I have currently been trying to get a loan for a new house, and working hard to get my credit to a good spot. My loan officers transferred me to a credit specialist on XX/XX/2017 and told me about a collection to try and take care of and that would need to be deleted off my account after it was payed. I contacted this company on XX/XX/2017 and asked to pay off this debt but to have it deleted not just to have it shown derogatory payed. The company enhanced recovery told me that would not be possible. So all Im trying to do is pay this off and have it deleted, also this is apparently for XXXX XXXX for equipment that was not returned. I sent that equipment back so I am not sure what I am suppose to do about that either.. in the end though I would just love to have this off my account making it negative.
GM Financial is incorrectly reporting this account as past due. On my credit report, it states that they have not reported any payments since XX/XX/2017. This caused me to not be able to buy a home as it severely damaged my credit score. After speaking with the company numerous times they continue to state there is 'nothing they can do about it. ' Inaccurately reporting my account as delinquent is a violation of the FCRA.
I have been steadily paying my subsidized and unsubsidized federal student loans through multiple different debt collectors since XXXX. Now this month they have all been consolidated or owned by Navient, and there's a Private loan I do not recognize that says I owe around 6k. I graduated high school in XX/XX/XXXX and applied through Fafsa in XX/XX/XXXX, got my two checks around then, one was for tuition, the other was for books and supplies. The first was in the amount of about 1300 , the second check was an even XXXX XXXX This private loan information says I received a different check also in the amount of XXXX $ in XX/XX/XXXX. I do not recognize this loan, and have already tried contacting Navient twice through email, and twice by phone. Please advise on what to do. I was so close to paying off all my student loans, then they were all bought by Navient, now all of a sudden I owe XXXX!!! Something is wrong here. I believe through the practice of selling and buying our loans to multiple companies, a duplicate loan was somehow created. Also, the school is question in XXXX University XXXX, I could not find it on the list of schools.
I received a letter from  XXXX  Mortgage on  XXXX   XXXX ,  2017 , stating that my mortgage loan was being transferred to NationStar Mortgage effective  XXXX   XXXX ,  2017 . I then call ed NationStar to  ask questions on how to set up an account to pay my mortgage to them. The woman that I spoke to gave me a new account number for my mortgage account (  XXXX  ), I then proceeded to set up a payment account online.  <P/> On  XXXX   XXXX ,  2017 , I received a letter from NationStar Mortgage, stating that I owed {$1400.00}, which was due  XXXX   XXXX ,  2017  ; which was very upsetting to me. I then  called NationStar immediately questioning this amount and asked them to explain to me where they was getting this figure. ( I have the 15 minute call documented on my phone ). I was told that the  {$1400.00}, was for administrative fees ; I then asked her to explain and she could n't ; so I requested a copy of these fees to be sent to me ( that request was on  XXXX   XXXX ,  2017  ) I HAVE NOT RECEIVED THEM UP TODAY!!! The lady then told me not to worry the administrative fees would be deducted from my mortgage payments until paid in full.  <P/> I do not owe any administrative fees and I do n't know what they are or why I 'm being charged, I STILL HAVE N'T RECEIVED THE COPY OF THESE FEES THAT I REQUESTED ON  XXXX   XXXX .
I have been paying of this student loan for years now and it is finally at a low point. I had contacted a company called XXXX XXXX XXXX to help consolidate my debt and claims they were working through the Obama Administration. I paid this company a lump sum, and continue making low monthly payments for close to a year. This company had changed my address and phone number on my original XXXX account so they could n't contact me, so I never knew the loan was just sitting there hurting my credit. I am now trying to get involved in a class action lawsuit in hopes to get my money back. Currently I am looking to buy a home and this has hurt my credit extremely, therefore, it is only time that will help fix my credit score unless I can get this forgiven.
I received a call from capital one stating that there may be fraudulent charges on my account ( an account I had but never used ) a total of {$28.00} was charged, I confirmed for them that they were fraudulent and that I did not make them and I would like the account closed as well! I have spoken with multiple representatives that have taken my security questions and my personal information and told me that it will be closed, I am now receiving mail saying that I have not contact them and I will be responsible for the charge I just received another statement saying if I do not pay the XXXX that I will be charged a {$35.00} late fee?? can someone please help me get the fraudulent charge removed and my account closed so I never have to deal with capital one again?
My loan information has disappeared on the website of my loan servicer XXXX XXXX. Their phones are never answered and each time I call there is a recording stating they are experiencing high call volume and to leave a message. Calls are never returned. It is impossible to get information about the status of my loans or any information whatsoever. I note that there are hundreds of complaints from other borrowers about this company. We are desperate and need help.
I dispute this Item  XXXX   XXXX  : Account  XXXX  Amount {$250.00}. please deleted this item TransUnion. TransUnion did not compile with the State Attorney General  Settlement Agreement and 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately  disclose to the consumer : I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receiptby him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is   hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.
I applied for credit check services with Transunion, in about XXXX or XX/XX/2018. They had advertised it as " free credit checking '', and from then on, at least once a month, was charged a recurring {$19.00}. These charges have been taken out of my account for several months, without my knowing, and I never thought to check my bank statements, as I never knew they would be charging me in the first place. My bank won't help with disputing charges, so I need to come to CFPB. 

I have called Transunion, and of course they ask me all of my personal information just to get into my account. They couldn't help me since I initially filed online. They gave me an online account referencing phone number, but was able to cancel my subscription online. I have submitted here to the CFPB a screenshot of the email I received this morning from TransUnion, acknowledging my cancellation request.
Transunion and XXXX are showing a derogatory item on my credit reports that was removed from my credit report in XXXX. XXXX XXXXXXXX XXXX is now adding this item as a new debt in XXXX. This is a violation of the Fair Credit Reporting Act. 

I am demanding with this account be removed and receipt of punitive damages, as this is hurting my credit score and causing me time to re-dispute items that have already been removed from my credit report.
XXXX, XXXX, Transunion, have been reporting incorrect items on my credit which my family and I tremendous turmoil and hardship. I have submitted a total of 3 letter disputing the issue including submitting court documents reassuring my claims to no vial. 
enclosed, please find letters with supporting documents previously sent to the companies above.
The second number is XXXX XXXX XXXX sent letter to all creditors I am XXXX ca n't work its beign 2 years, also advised by phone early part of XXXX to cease and desist all calls to all numbers and relatives by mail only I have no income! Portfolio recovery broke the law FDCPA. They some how got my pre paid cell and my daughters home. Numbers under my name they continue to call herass. I have all phone records! I will seek legal action against company for breaking law. And the collectors not following my. Wishes mI am very ill unable to work living off XXXX and my boyfriendHelp. I wrote letters to the original creditors verbally told. Portfolio recovery cease and desist they continue today I got another call a lout XXXX pacific time and phone records can be providedI have no choice but to file legal action breaking the law
Centegy has on multipal occasions denied my payroll checks from being cashed from many different companys. my payroll checks have been denied over and over again on every pay period. I believe in being profiled for some reason I do not know. I have call to find out the reason why and was told that it was an algorithm that denied it and that the company has no control over it. also stated was that only 1 % to 2.5 % of the millions of checks cashed daily get declined. all of the payroll checks gone through there services recently have been declined. I have never wrote a personal. Check so why is this happening to me.
This is a follow up to the complaint I submitted on XX/XX/XXXX, reference US Bank and the response I received from US Bank, dated XX/XX/XXXX.
Although this response is submitted after the timeframe of rebuttal, I am submitting so that Consumer Financial Protection Bureau will be allowed to publish the additional experience for other Consumers to be aware of.
As stated, I did receive the response from US Bank, however, the response was not adequate to my complaint.
My complaint specifically advised of the issue, but most specifically advised that US Bank held my Pension Funds, verifiable funds that has been deposited in my account for 5+ years, while they off-setted my accounts. US Bank advised that they had to verify any deposit of funds when off-setting accounts, and therefore held my Pension -- Again, these were verifiable funds, and I was advised in my original complaint by the Federal PPDept in XXXX DC, the Bank 's action was and is illegal.
Furthermore, due to US Bank 's action, they created a Hardship. I was not allowed to pay on time, my mortgage, utilities, bills, ect, and from their action, I received numerous late fees.
Therefore, when I received US Bank 's response, dated XX/XX/XXXX, and read the content, I was appalled at the jargon. The person responded clearly did not read my initial complaint, nor the content of my concern.
The response included verbiage of Bank Deposit Account Agreement, and Account Transactions. The person even went so far as to list when my Pension was released to me in the Bank, but they failed to list that the only reason why the Pension was released to me is because I reached out to the Vice President of the Bank and asked for assistance due to the dire nature of my Pension being held.
US Bank once again proved their dishonesty in responding to my initial concern- Withholding my Pension.
The response also advised to contact my Local Branch, if I have any additional questions. For one, I will not be contacting a Branch, and they are not a Local Branch for me since they closed my accounts. That statement to me is absurd.
In addition, since the time lapse of this experience, I have received numerous correspondences from US Bank, one in particular, dated XX/XX/XXXX advising that my account ending in # XXXX was reopened onXX/XX/XXXX, REALLY? and additional account correspondences. I also received a call from the Manager at the XXXX, CA location, whereas she left a message. Why am I receiving any contact from this Bank, letters or calls? ... .It is apparent that US Bank does not execute proper protocols, and in my opinion, this is a form of Harassment. Since US Bank severage the relationship, there should be no further direct contact, and as of the writing of this additional complaint, I am stating, that I do not want any further direct contact from the Bank from any level.
Thus, this reaffirms my belief from my experience, that US Bank 's Consumer Relationship Reputation is Atrocious!
This property belongs to an XXXX XXXX  XXXX XXXX XXXX The family was left with these properties without a will. 
They had to go to Court and fight to try and save the properties. 
They received no notice from anyone concerning a property sale date for XXXX XXXX XXXX, XXXX, NY XXXX. 
When the family tried to find the contact for this property, they called XXXX And there was no one to speak to they could not find the property address on their files or a loan number. We contacted Ocwen Loan Servicing with the loan number from XX/XX/2013 and they could not find or locate any information concerning the property. 

Now a person has been calling by the name of XXXX from XXXX. 
There has never been any notices of any kind sent to the Administrators of the XXXX XXXX XXXX the grand son or the co-administrator were never notified of any foreclosure by Ocwen Laon Servicing or XXXX.