WillisBack/dataset-financial-user-claim huggingface dataset:
Failing to honor a mandatory arbitration clause in my credit card agreement. I received a summons on a debt from XXXX credit and immediately requested arbitration. They continued with the lawsuit against me and we arrived at court on XXXX XXXX. The lawyer representing them is XXXX XXXX XXXX. I brought a copy of my agreement obtained from XXXX He immediately questioned the validity of of that agreement because it was dated XX/XX/XXXX. I went home and printed yet another agreement from XX/XX/XXXX, both having the same arbitration clause. He is now asking for summary judgment and I have a new court date of XXXX XXXX. He is also claiming his client may be in TILA violation and submitted the wrong agreement on cfpb.
I have a adjustable home mortgage with Wells Fargo. I decided to refinance to lock in a more affordable, fixed rate. I went to my local Wells Fargo branch to get the process started. 

After running my credit, I was denied pre-qualification because of erroneous reporting of numerous late mortgage payments and a balance with about a {$300000.00} difference on my actually balance. 

I contacted Wells Fargo about the situation numerous times and got a variety of experiences:1. The representative looked at my current payment history for the last few years and noted that I was never late and confirmed my current actual balance but offered no help to fix my credit. I was told the reporting is automated and there is nothing anyone can do. 

2. The representative could not find my mortgage account after I provided my account number, social security number, property address and phone number. 

I need to refinance before the rates go up and Wells Fargo has done nothing to help me with the erroneous reporting in my credit report.
Dear Experian, after trying to get this issue resolved with you fr over 3 years you have damaged my credit, i advised Experian that there was inaccurate information on this chapter XXXX causing the judge to dismissed. Experian relied on 3rd party information fromLEXISNEXIS. After years of disputing XXXX has agreed to remove form my credit bureaus. please see attached and removed from my credit file ASAP. i plan to seek legal advise for Experian damaging my credit for 3 years. PLEASE SEE ATTACHED REINVESTIGATION FROM XXXX
InXX/XX/XXXX several accounts was opened in my name without my knowledge, 1.  XXXX XXXX loan {$37000.00}, 2. XXXX XXXX loan {$8500.00}, 3. Wells Fargo Credit card {$2500.00}, 4. XXXX XXXX {$2500.00}
All inquires on transunion report are fraudulent. Contacted some and was told to contact the credit agency. Transunion has not responded.
Greetings, I have initiated a multiple disputes with Experian over the past few months to remove unauthorized fraudulent accounts they have failed to fully validated belongs to me. It has been well over the 30 days given for the Experian to respond with validated proof to delete this account per the Fair Credit Reporting Act. I have provided all requested documents to Experian including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditor " XXXX XXXX XXXX '' but they have also fail to fully validate contractually the account belongs to me. Below is the reporting account that should be Removed / Deleted from my Experian credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Accounts : 1 ) XXXX XXXX XXXX- Account # : XXXX Experian Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX, TX XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, PA XXXX XXXX : XXXX DOB :XX/XX/XXXX
I disputed an item due to cancelling and never receiving merchandise, Wells fargo took the word of the merchant that I did n't cancel so they reversed the credit. I felt this was unfair having being charged XXXX for something that I never received and was told would be cancelled and no further shipments. Wells Fargo wont reopen its investigation and says I did n't cancel, why would I lie? this is a large bank just bullying the little guy
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX put me into collections by mistake 1 year after debt was paid in full. I was reassured that it would be removed from credit bureaus over 15 months ago. Ca n't refinance home due to their poor accounting.
For the last 2 years I've been dealing with AmeriTech. it first started with a initial payment of XXXX ( set ) that was broken down into three payments for them gathering my info. then the they start taking out XXXX for 6 months and after that its been XXXX dollars a month
This company received an insurance payment, so they are trying to bill me on an amount of money they have to write-off. This is a contract that the facility I was seen at has with my health insurance provider. I contacted my provider and they confirmed that a payment was made not one, but twice. This is fraud!
Your site is not working correctly. It accepted my information and then offered the credit score for XXXX, which is not free. Your site would not allow me to go back to the prevue screen because I am not paying your company anything. I will be reporting this to the Illinois Attorney General 's Office Monday morning. The option to get the report online never appeared. I had to close the site to get it to do anything. Your security letters request was also malfunctioning. When I went to email your company, it rejected sending the email stating there were errors. There were no errors.
I have an incorrect collection on my credit report without verification of debt. I asked for verification of contract and have yet to receive a response. This company has even threatened legal action
I recently learned that my loan provider offers interest rate discounts with enrollment in Auto-Pay. After enrolling, I learned that the interest rate discount is lower than initially informed. I communicated with my servicer and was informed that the different " disbursements '' in my account offer different interest rate reductions. In addition to making almost two years worth of regular payments and not knowing that I could reduce my interest rate with auto-payments, I was never informed that there were multiple " disbursements '' on my account. I have now payed over {$3200.00} in additional payments over the last 8 months that would have payed off at least one disbursement that did not offer a lower interest rate, thereby reducing my weighted interest rate faster. This is all because the information that benefits me as a consumer is not available on my servicer 's website.
Paypal charged my bank account four times for the shipping payment of {$7.00}, resulting in {$140.00} in overdraft fees.
They take out fees XXXX so it takes a very long time to pay back the principal. When I tried to make payment in full in order to avoid any more fees, they said I could n't! Feel deceived ... These types of loan companies are illegal in Arizona, so they should not be available to Arizonians.
I have contacted XXXX XXXX XXXX and to all 3 credit agencies. XXXX removed the account but XXXX and Transunion is still reporting false information of a debt that do not belong to me. This debt was created as a result of identity theft. I have submitted to them identity theft forms and they still have not remove this account from my credit profile. I would like your help in getting this matter resolved. Please fine this company or have them remove this account from my credit file.
I responded to a marketing offer for XXXX XXXX XXXX miles if I opened a credit card account with Citibank. I had to make {$3000.00} in purchases within the first 3 months of opening the account. After I fulfilled this requirement, I never received the promised XXXX miles. When I called to complain, XXXX at the XXXX Florida call center told me I was not eligible for the offer because I had a similar account open within the last 24 months. However, he would not tell me when the past account was opened and closed. 

Two points 1 ) I believe it was more than 24 months between my closing the previous account and opening the new one. 
2 ) If Citibank had no intention of fulfilling their part of the deal ( ie. XXXX miles ), they should have notified me of that fact when I applied. The fact that they did n't means they made a deceptive offer to me and knew they were deceiving me.
Castle Payday Loan Inc. sent me what looked like a solicitation for a Payday loan via the USPS on or about XXXX XXXX, 2015. After contacting Castle, it seems that the solicitation was an attempt to collect on a Payday loan, which i canceled more than three years ago and for which interest continues to accrue. They also refused to provide documentation supporting the alleged debt.
This complaint is to dispute the response of Chase on case numbers XXXX and XXXX. The information in the response is not accurate. I have provided all documentation as requested in XXXX and the file was not closed. Furthermore, the criteria for documentation changes and Chase does not share the reason documentation is needed. ( i.e. needing proof of income and bank statement to provide proof of reserves ) Instead a series of requests for documents with changing criteria. 
In addition, even after my file has been disputed twice, still no decision has been made on my file which has been in review since XXXX 2015.
I had a JCPenny credit card administered by Synchrony Bank. I paid my first purchase in full on XX/XX/XXXX, a few days before the due date. I used my bank 's online payment service. The transaction was successful. About 2 weeks later, I received a robocall asking me to identify myself. The recording did not identify the caller in any way, it simply asked me to hit 1 if I was myself and 2 if I was someone else. I believe that the caller should identify themselves, so I did not answer. I did speak to a representative. She also would not fully identify the company. She kept saying " Synchrony Bank '' and that she was trying to collect a debt and was I myself. But she would not tell me who I supposedly owed money to, until I finally identified myself. Then she finally told me who I really was dealing with - my JCPenny account. She said I was past 30 days overdue. I told her, no, I had paid that in full. I told her to cancel the account. I do n't care to do business with a lender that disguises their identity and harasses me with intimidation tactics such as robocalls demanding my identity and lying about the circumstances. The bill was due XXXX XXXX, and they claimed I was 30 days past due on XXXX XXXX. There is no way that is possible. After some investigation, I discovered that I had the wrong account number in my payment information. This was my error. However, Synchrony accepted the payment against an account that I had closed long ago. If they had not accepted it, I would have been able to correct the error immediately. They also made no civil attempt to communicate with me. The call arrived before my next statement, so there was no written communication indicating that there was a problem with the account. The call itself was inappropriate - the lender/collector is supposed to identify themselves. They should not be able to lie about the debt itself, which they did in claiming it was more than 30 days overdue. Synchrony is pretty sure that they 'll remove the {$25.00} late fee from my cancelled account, but equally sure that I will be charged the interest for the payment that I made on time.
Received credit report and noticed that an account was turned over to collections. I was shocked and appalled. Do not recognize this account. However I do recognized XXXX XXXX XXXX XXXX of XXXX. Services were provided in 2013. I never received any notices that bill was past due. I also felt that XXXX XXXX XXXX XXXX XXXX XXXX was to have filed a claim on my behalf in accordance with MEDICARE procedures. I checked with MEDICARE and was informed that they show no records of any claims in the amount of {$850.00}. XXXX stated that in order to process bill, I must completed the XXXX form and return along with the bill. No correspondence ever received stating that claim had been denied. Lead to believe that bill had been processed. Feels like I am getting the run around and am being penalized for the non-actions of others.
Convergent XXXX keeps harrassment efforts on over a debt that is 10 years old after repeated demands that they cease and desist.
Borrower experiencing hardship since XX/XX/2017 but found that property was not marketable at a price that would satisfy loan in full so started the short sale process. Property was under contract with 'conventional loan ' purchaser. Due to the lengthy process buyer asked to be released from the contract. Parties were told that HUD denied the offer because of the 3 % closing help but we were told later that file was denied because short sale application package was not complete. Meanwhile, Seller relocated thinking they were closing because nobody could get the story straight and XXXX XXXX   vendor took possession of the property by cutting AGENT lock-box off and winterizing the property creating a whole NEW set of issues as property went back on the market but not able to perform home inspection. Went under contract again but XXXX XXXX ( sub-servicer of LAKEVIEW LOAN SERVICING ) closed file on a CASH OFFER due to not having proof of funds when they were contacted 2 weeks prior to submitting and were told sale was contingent upon sale of existing home within in weeks of offer. Meanwhile, Buyer was able to prove they had had funds but made them start the process ALL OVER FOR THE 3rd time - RIDICULOUS! They continue to lose documents provided so proof of funds have been given to them multiple times and now they say they expired. Have never once spoken to point of contract nor have they ever returned our calls. Communication HORRIBLE. This buyer is now asking to be released if no approval by Thursday. NO MORE EXTENSIONS TO CONTRACT. LAKEVIEW has no employees, recorder instructs you to pick # for sub-servicer. (??? )
XX/XX/XXXX, I obtained a mortgage through XXXX for {$250000.00}. This mortgage was subsequently sold to XXXX, which sold it to XXXX XXXX XXXX, which sold it to Green Tree Financial -- all within the space of 4 years. Some time after that, Green Tree Financial turned into Ditech Financial and sold the mortgage to itself. XX/XX/XXXX, I could no longer keep the property, notified XXXX XXXX XXXX ( which was still holding the mortgage at that time ) of this fact, after ascertaining that I could n't rent it out, nor was I permitted to get a tenant in to help financially. Before I left the house, I ensured that the rooms were freshly painted, septic tank emptied, fence painted, roof issues corrected, swamp cooler serviced, termite inspection carried out, vents cleaned, house cleaned, and landscaping maintained. My XXXX children and I moved out of state. Initially in trying to work with Green Tree, I was told I could try to sell the house through them. I took all necessary steps, did all the paperwork required and had it all vetted, only to be told at the last minute that the solution would n't work since I was an 'absentee landlord '. I found a realtor who dealt in 'short sells ', worked with him, with the knowledge of Green Tree Financial , to effect this solution. The realtor had a buyer for the property, was presenting the offer to Green Tree, then both he and I were notified that the property was being put up for Sheriff 's Sale. The Sheriff 's Sale was effected, Green Tree sold the property to itself for {$200000.00} then subsequently resold it to the new owner. Now Green Tree itself is calling itself Ditech, has written off the mortgage, hit my credit report several times, reported to the IRS that I had realized a 'so many thousands of dollars of income ' in a year, so that I incurred further attorney 's fees to fight this outright lie. None of the following : XXXX, XXXX, XXXX XXXX XXXX, Green Tree, nor Ditech have lost a single cent on these transactions, but I most definitely have lost a lot. I want them to cease and desist.
Our mortgage was sold to Green Tree XX/XX/XXXX, which recently merged/rebranded with ditech. On XX/XX/XXXX I received a phone call from a gentleman at ditech informing me that I owe {$27.00}. I asked how and why as I have made the same payment for months now. He indicated that the escrow account had been recalculated and increased. I asked him to send a copy of the escrow statement, as I do n't have any notification of a recalculation, and once received I would pay it. I have one letter indicating that the mortgage rate would increase and that there was a new amount, which I have been paying on time each month since. After that letter was received, it seems the escrow account was recalculated, but I never received any notification of such or what the new payment should be, thus a {$27.00} differential. When we initially set up our account online with Green Tree, I elected to be a paperless account. They then proceeded to send mail to my address, which was returned by the Post Office. This triggered them to deactivate our online account, meaning they will not upload monthly statements or any documents to our online account any longer. I called back to the Customer Support line on XX/XX/XXXX to request all past statements from XX/XX/XXXX to current. I was told they can not send copies of monthly statements because they do n't have them. They went on to say if they were mailed and the mail was returned there is nothing to post to the online account, thus they have nothing on file. Of course, I elected to be a paperless account so nothing should be mailed to me. XX/XX/XXXX, I was informed that monthly statements are a courtesy only and that they are not required to produce them. It is interesting that I receive weekly refinance solicitations from ditech, however no monthly statements can be produced and posted to our online account. I have to wonder if once you elect to be a paperless account, they purposefully mail you advertisements and if they are returned they cease communications of all monthly statements/escrow reports which can put a homeowner in jeopardy financially. This lacks a great deal of transparency. 
*Mailing address was changed XX/XX/XXXX and should not be the same as property address.
NAVIENT - PRIVATE CRED XX/XX/XXXX XX/XX/XXXX Other Collection Agencies XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX NAVIENT - PRIVATE CRED XX/XX/XXXX XX/XX/XXXX Other Collection Agencies XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX NAVIENT - PRIVATE CRED XX/XX/XXXX XX/XX/XXXX Other Collection Agencies XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX NAVIENT - PRIVATE CRED XX/XX/XXXX XX/XX/XXXX Other Collection Agencies XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX NAVIENT - PRIVATE CRED XX/XX/XXXX XX/XX/XXXX Other Collection Agencies XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
I received funds in my credit union account for a loan I did not apply for. I did not notice the funds until a payment came out of my account. I offered to pay the loan back in full for the principal, however I need to pay interest at a crazy rate to pay the loan back. 

I do not believe anything was signed for and if it was electronically, it was not with my knowledge. 

I would like to return the funds and have all of my information removed from the system. 

I already have placed holds on my bank as well as my credit report and working on locating who applied for a loan in my name, however I believe my information was sold from another website, which is also being looked into.
Ditech ( formerly Greentree ) foreclosed on / charged off my XXXX mortgage loans without sending me any notifying paperwork. In fact, after multiple phone calls, they still ca n't find any record of paperwork of any kind about this. One loan, in fact, they 're still reporting as both charged off and owed on my credit report. I do n't know the difference between FHA mortgage and conventional mortgage, but I know with both a company is n't supposed to foreclose without sending paperwork confirming it.
Good morning. 

I was part of Equifax 's security breach. All I wanted to do was " opt out '' of Equifax 's ID Notify transfer of services to XXXX. I don't remember ever getting this notice. The only notice I received was to Enroll. See attached documents. Note that Equifax said you MUST Opt Out in order to prevent them from " sharing '' your information with XXXX. They should never be sharing any information with anyone and it is a privacy scam that I have had to spend so much time to no avail in order to Opt Out to prevent my confidential information from being shared. 

Here is the audit trail of what both of these credit reporting companies put a customer through with their intentional pingpong of phone numbers : 1. Called their listed website Opt Out Id Notify number on XX/XX/XXXX. The number listed as XXXX. 
2. Then I was told I had to call XXXX. Spoke to XXXX. XXXX said she was the wrong person and passed me to .... 
3. XXXX where I spoke to XXXX at an XXXX call factory on XX/XX/XXXX at XXXX PST. She passed me to .... 
4. XXXX where I spoke to XXXX at an XXXX call factory on XX/XX/XXXX from XXXX PST. She passed me to ... .. 
5. XXXX AGAIN ( see # 2 ) where I spoke to XXXX at XXXX. XXXX said she could do nothing and then transferred me to some number where I have been on hold for 20 minutes ( the wait was 90 minutes ). 

This is a game by credit reporting services to prevent a consumer from easily opting out of private information sharing between these Credit Reporting Companies. 

Can you advise me of a specific name and number where I can get this resolved? 
Can the CFPB do anything to prevent this horrifically poor Equifax-XXXX customer service scam from happening to other consumers? 

Thank you.
This is re : the Equifax leak in early XXXX 2017. Equifax told me my  information was potentially leaked, and then wants me to sign up for a complimentary " fraud protection service '' organized by Equifax, the selfsame company that leaked my information. On top of this, signing up with the " fraud protection service '' waives your right to participate in a class action lawsuit against Equifax for making the leak happen in the first place. Equifax are crooked.
He called and he started threatening me. He asked why I had n't paid for it since may when I said I did n't work and he called me a XXXX. He started saying that I was never going to have credit and that as a XXXX XXXX XXXX I cant even keep a bill that I was supposed to pay and that he could do it his self. He started calling me a bum and disrespecting me which is n't right never gave me the opportunity to say if I wanted to take care of it. I informed him that I do work.
On XX/XX/2015 XXXX XXXX XXXX appeared on my credit report. I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
I keep getting loophold about loan foregiveness. I have been paying my loan for over 16 years, worked at the correct XXXX, etc. my balance is still too high and I am about done. Navient is shady at best and unethical is collection.