WillisBack/dataset-financial-user-claim huggingface dataset:
I have notified XXXX XXXX XXXX over 7 months ago via phone, and via email as they requested that they were reporting my information incorrectly. They notified the credit bureaus that I owed them a large amount of money that was past due, which they reported nearly {$10000.00} in arrears owed on the loan. They assured me they would correct this along with reporting to being late over 3 months. I have notified them on several occasions and even disputed the findings brought out in this complaint with all three credit bureaus. They send me a letter stating that they had changed this in all three credit bureaus, however, all three credit bureaus are reporting the same thing. Therefore, I know they did not change the information, but they lied to me and sent me a letter stating that they have taken care of it. I have called them to correct this problem over 7 months and sent them correspondence requesting the change and investigation and they have not corrected the problem, instead they sold the message when I told them I was going to notify your agency. However, they are also reporting the loan open to Experian Credit Bureau, so it make it look like I have more debt than I actually have, because XXXX is reporting the mortgage to Experian and the new company XXXX XXXX are both reflecting on my credit report as open accounts, which is making my debt-to-income ratio higher than normal. I have tried to work with this company over 7 months. They have destroyed my chance to get a really good mortgage with a company who denied me based on these findings.
I have made several Attempts to contact Pinnacle Credit Services at XXXX and XXXX and XXXX time i get hung up on, XXXX time was this morning and the lady stated she could NOT pull up any records. I have included an attachment of what i want from Pinnacle Credit Services
I was shopping for a mortgage. I approved credit inquiries on : XX/XX/XXXX XXXX XXXX XXXX - Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX - Equifax XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX These are the ONLY credit report pulls that I authorized. 

XXXX lists 6 inquiries from XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - One from XXXX and 5 from XXXX XXXX  lists 3 inquiries from XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX - two of which are Equifax XXXX. 
Equifax has 4 Inquiries from XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Each of the four lenders was only authorized to check my credit one time The reason that there are so many checks is because of their use of the Lender Processing System with XXXX XXXX which requires repeated credit pulls when any of the loan parameters are changed while calculating loan rate and payment scenarios. 

I only authorized 4 credit checks, one time each from each lender.
Dear Sir/Madam Re : Case numbers 1. Complaint XXXX about WELLS FARGO BANK 2.  Complaint XXXX about WELLS FARGO & COMPANY. 

Even though we complaint to CFPB but we still did not get any resolution from Wells Fargo yet, instead of they are forcing us to close the application in short period of time, if not we are responsible for addition fees or we have to drop the case. We feel we got treated unfair and discriminate from Wells Fargo as we have been pushing them to resolve the issue since XXXX XXXX by sending almost daily email. We keep following up with them day after day, and month after month until XXXX XXXX, XXXX that they force us have to close our loan in XXXX XXXX, XXXX which is a week from now. Due to the holidays season is just around the corner and we have tied up with other things we need to take care off. We knew XXXX XXXX is not a good schedule for us to deal with the loan situation ; therefore we have been pushing Wells Fargo since XXXX XXXX by sending daily, monthly emails trying to cooperate with Wells Fargo to resolve the issue prior to XXXX XXXX. But unfortunately, day after day and months after months, they ignore our request completely. We feel like we have been treated unfair due to discrimination and racial from Wells Fargo Bank.
These student loans were disputed and removed from my credit report years ago. They were placed on my credit report without any type of notice. All my XXXX XXXX have been closed because my credit is score dropped because of a student loan being charged off. I need to see the contract bearing signatures of the alleged debt. 
Fair credit act state that inaccurate information on a consumers report must be removed. Please delete ASAP. 
The student loans by XXXX XXXX were removed because of federal issues and they were charging more money to students and collecting money.
I took out a loan in XX/XX/XXXX from XXXX XXXX XXXX, for {$2500.00} which was directly deposited to my checking account. I was to repay the loan at a rate of {$290.00} for 48 months after an initial payment of {$270.00}. I was charged an APR of 139.12 % or a total finance charge of {$11000.00} was finally paid off in XX/XX/XXXX.
I opened a Citibank checking account in XXXX XXXX and was supposed to my XXXX bonus points after 2 months of opening it. I was told that i had to satisfy another requirement and that i would get my points 3 months after that. I emailed Citibank in XX/XX/XXXX asking about my points and then 2 more times since and was told that i would get my points on XXXX/XXXX/XXXX. That time has now passed and i still have not received my points. I believe this is deceptive and very confusing marketing, also it will be 7 months since i opened my account and i still have not received any points. That is very ridiculous and I am still waiting while they continue to charge my a monthly fee for my checking account.
Tjx charged {$25.00} late fee doubled the mothly fee This card is a thief likes to XXXX off consumers and charges these redicilous fees
I received a notification that my credit score had dropped. So when I looked at my credit report, I noticed that a negative mark was placed on there from Transworld Systems Inc with an open date of XXXX XXXX for {$600.00}. Stating that the original Creditor is XXXX XXXX XXXX XXXX. This is not my debt. I did n't go to any ER 's in 2017 period.
I have a mortgage with US BANK and i am currently upto date with said mortgage, never missed a payment or been late, my wife filed a chapter XXXX bankruptcy by herself with no affiliation to the mortgage or myself, the US bank has saw fit to remove this from MY credit history and refuses to put it back on, the XXXX  Credit Agency also refuses to fix this issue, both companies refuse to speak to each other as required to fix the issue.
I received a phone call at my job about a think cash loan from 2011. The person told me that the debt had been charged off. He said he had a file related to my social security number and verified my date of birth. He proceeded to tell me that I am going to be sued for defrauding a bank and charged with writing a bad check. After asking me a series of questions, he then said did I want to pay the $ XXXX on my own or take it to court. I told him I could n't discuss it with him right now because I am at work. He asked for a number I could be reached at, I did n't give him one. I took his number XXXX XXXX. He told me he worked for Cooper, Hoffman, Klein and Associates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX. I did a XXXX search and saw that the phone number given was associated with a scam. I also did a XXXX search on the address and that law firm does n't come up for that address.
On XX/XX/XXXX we signed our loan modification to which was not notarized until XX/XX/XXXX with our first payment due XX/XX/2018 in the amount of {$2400.00}. We had received an escrow analysis dated XX/XX/18 but was told to disregard it because of the modification. The analysis states that our escrow amount would increase to {$620.00}. On our modification, the new escrow amount has already been increased to {$620.00} to compensate for any shortage vs. the {$470.00} on the original loan. On XX/XX/18 I called Freedom Mortgage to ensure they received the signed modification paperwork and was advised that the payment was {$2300.00}. I received a call from XXXX XXXX stating the final payment after everything would be {$2400.00}. Later we received our first statement with the increased amount to {$2400.00}. We made our first payment on XX/XX/2018 in the amount of {$2400.00} on time. A few days later I received my new statement in the mail. This statement stated that my payment would increase to {$2500.00} to cover the escrow shortage. I immediately contacted Freedom Mortgage on XX/XX/18 and spoke with Reg ID # XXXX @ XXXX XXXX who stated that he did she the error and would put in a request to loss mitigation to make adjustments. He advised that when XXXX payment became due to pay the amount of {$2400.00}, but assured me this would be resolved quickly. I advised that I would like a call back on my cell phone XXXX instead of the home phone on file XXXX as we never answer that phone. I never received back until XX/XX/XXXX at XXXX XXXX to which was on my home phone. I returned the call on XX/XX/XXXX spoke with XXXX who advised that I needed to speak with XXXX who would call me right back after she finished up the call she was on. I never received a call back. I again called back and was told they would call me back to which I received on XX/XX/XXXX. I missed the call by a few minutes and then was never able to get the rep I NEEDED to speak with. I was advised that there still is no resolve to this issue. I expressed my concern as my XXXX payment is coming due. I asked if I should simply pay {$2400.00} but was advised not to because then there would be a shortage. I was told there is a 15 day grace period and that this issue would be resolved. Within the time from XXXX and XXXX I left 2 or 3 message for the Director XXXX XXXX as he helped me during the modification and he is the one who advised me of the {$2400.00} payment and advised me that the escrow increase was already taken into consideration. To date, I have NOT received a return phone call from him. I called Freedom Mortgage again today XXXX looking for resolve. I was advised by XXXX that there still isn't a resolution and attempted to connect me with either Mr. XXXX or the modification department. Neither were available. I again expressed my concern with wanting to make my payment but was told that later fees would be waived pending review of complaint.
On XX/XX/XXXX, I called Citi Bank regarding a letter received about being enrolled in an Optional Debt Program without my consent. The letter gave no information other than the last four digits of a account number, a tracking number, and a reference number. I had to go online to locate a customer service number to inquire as to when this occurred and the account number. I called Customer Service ( XXXX ) XXXX-XXXX and spoke to XXXX. She read a scripted message referring me to the " refund website to file a claim ''. I asked for further information and she said she had none and also refused to give me the Corporate Office phone number or address. When I told her I ca n't research my records without a account number or time frame she hung up on me. I called back and asked to speak to a Manager and was transferred to XXXX. She also read from a scripted message and said they had no other information. I then realized that this problem sounded like the Consumer Fraud problem that happened at XXXX XXXX and they must be trying to correct something they did illegally. I now see that they were also caught adding illegal charges to their customers since XX/XX/XXXX and have to pay out a large sum of money to current and former customers. It 's a shame that Banks have done this for years and do n't have to provide records to the customers who want to verify for themselves how much they are owed. Why should we trust them now for a refund when they claim to have no information on the account? How do we know they are suddenly honest? Is there a way to verify my account as the letter says " our records reflect you were enrolled in a Credit Protection program without your consent ''. Should n't they have to provide me with the information since it 's still in their records? 
They should also train their employees in Customer Service how to talk and handle customers, but of course why should they care if they cheat and lie themselves. 

XXXX XXXX Reference # XXXX
On XXXX/XXXX/XXXX, my daughter started an application with SOFI to refinance her private student loans. The rate she was quoted was high, so she listed me as a co-signer to get a lower rate. I received an application to complete as a co-signer. Once completed on line, I expected to see the new rate offered on the loan. However, all I received was a loan agreement to sign stating that I would make payments etc. When I called SOFI and spoke to a random agent, she said I could not see the rates and terms until I signed the loan agreement. She told me what the original rate was that my daughter qualified for on her own, but would n't discuss what the new proposed rates were since I had n't signed the loan agreement ( remember we are still in the application phase of this loan. ) When I refused to sign the loan agreement until I saw the terms, she suggested that I contact my daughter and have her look up the terms. My daughter discussed the terms she received which sounded reasonable so I went ahead and signed the loan agreement. However, I still had no access to the terms. My daughter signed her loan agreement and I received an email on XXXX XXXX, XXXX saying that she had signed the loan documents. I went on line to view the terms and still was not granted access. I called and was connected with a random agent and explained that as a co-signer I had the right to view the terms of the loan. The agent said that my daughter was the primary borrower and I was only there in case of default so I was not entitled to see the loan terms and documents. He suggested that I sign in as my daughter so I could see them. I am a co-signer on the loan, not a guarantor. I believe that banking regulations treat co-signers as co-borrowers and am appalled that I had to sign a commitment to pay without seeing the terms first hand in a document. Even after I signed and requested the loan documents, I was denied access. I realize SOFI is not a bank, and have contacted you to make this a formal complaint. I have had to commit via a loan agreement to a refi of a student loan of just over {$99000.00} without seeing any of the terms.
I discovered that Volkswagen credit reported a 30 day delinquency on my credit report. I disputed it, and XXXX claims they verified the delinquency. 
I then contacted VW and they assured me the reporting was in error and would be removed. 
I notified the credit bureaus, who refused to remove the delinquency, despite the fact I saved the voicemail from the manager at VW verifying the delinquency was being removed. 
I contacted VW and obtained an email AND a written letter verifying the delinquency was being reported incorrectly and would be removed. 
I mailed a copy of the email and the formal correspondence from VW to each credit reporting agency. They refuse to remove the delinquency because they previously investigated the matter, DESPITE THE FACT I HAVE WRITTEN CORRESPONDENCE FROM THE LENDER INDICATING THE DELINQUENCY SHOULD BE REMOVED. 
If this is not resolved, I will be forced to proceed with legal action against the credit reports. I seek to have this matter resolved without undue delay and costs.
Alltran Financial LP sent a  letter that threatens to take legal action on me regarding a debt. They claim to be a pre-legal account company and have stated that they will send my account to an attorney.
Recently while conducting a monitor of my credit report I discovered thatMeade & Associates, XXXX furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is, to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
I have a judgment on my credit report from XXXX XXXX. It is saying unpaid but I finished paying in full of XX/XX/2015. I was told multiple times by XXXX that it would be updated but it has not.
Collection agent said that I wrote a check to  XXXX   XXXX  from a   XXXX    XXXX   XXXX  account that I do not have. He would not give me any information, contradicted information that he would give me, said the drivers license obtained in conjunction with the check was not me. I am afraid this is fraud on the collection agent 's part. He was rude, demeaning, and abusive. In fact, he acted like he was a child, whining and making fun of m e. Recovery One,   XXXX   XXXX   XXXX
We received a late fee notice dated XX/XX/XXXX. Ditech Financial changed our payment amount but did not inform us. On XX/XX/XXXX I called to ask them to waive the late fee. I spoke with XXXX at XXXX and he was unable to remove the late fee. I also spoke with his supervisor, XXXX, and she was also not able to remove the late fee. 

I am asking for a refund of the late fee off {$56.00}. 

I'd also encourage you to investigate Ditech 's billing practices. This is the second time this has happened to us in a year and it appears Ditech may be failing to send new payment notices or sending them disguised as frequently disposed of marketing collateral in the hopes of increasing revenue through late fees. We have gotten the late fee notices both times but not the payment due notice either time.
My identity was recently stolen. The fraudsters have used my social etc. to apply for a number of different credit accounts with stores, such as XXXX, XXXX, XXXX, XXXX XXXX, etc.
On or about XX/XX/XXXX I settled an credit card account with XXXX XXXX XXXX. The debt was cancelled, a XXXX was issued and the information removed from the credit report. Additionally, it is well past any timeframes to be listed on any credit report and is outside the statute of limitations. However, as of XX/XX/XXXX XXXX XXXX XXXX re-listed the account on 2 credit bureaus - XXXX and Experian.
My mortgage loan was transferred to XXXX. During the time my loan was with XXXX, they made no real attempt or good faith effort in trying to help me make continue where I left off with XXXX. I paid XXXX over {$7000.00} ( PITI ) during the trial period. I even made two ( 2 ) additional payments because the trial was three ( 3 ) months as I made a total of five ( 5 ) payments. 
I sent the requested documents for a modification to XXXX several times as the representatives would say they did not get them, which I do n't understand because they were uploaded on the website. Once they finally offered a modification it was an interest only mortgage which I did not think was fair or reasonable. All I wanted was to keep the plan I previously had, approved through the XXXX program and then approved by XXXX of {$1400.00} ( PITI ). I mailed a payment of {$1400.00} and waited for someone to post my payment and it never got posted. I called XXXX and spoke with a representative and he claimed they did not get my payment, even though I mailed it to the address provided by them. 
Shortly after that, the mortgage was then assigned to Specialized Loan Servicing ( SLS ), without any notification from XXXX. I received a packet from SLS asking me to tell them what my balance was. I thought this to be very strange. I started to get really suspicious and began to review all my documents and letters from XXXX. In my discovery I found dates that did not make sense and I also discovered other things to be discussed with a CFPB representative and uploaded. SLS has now violated the rules issued by CFPB of " No Surprises '', SLS did not send me one bank statement and I did not hear from them for an entire year. When I was doing my research, coupled with the fact the XXXX was still filing motions in the Court further increasing my suspicion on this whole situation of " who has interest '' in the note. XXXX was filing motions and foreclosure when supposedly SLS owned the loan at the time ; this was very upsetting and confusing. Now, for the additional violations of SLS they, out of nowhere filed a motion joining the 2015 filings of XXXX, trying to make the process of foreclosure faster, all without any notification to me and without the offering of assistance. Who is this organization? Now, there is a class action lawsuit against. I have uploaded the documents files by SLS and the assignment. Please keep these documents.
I needed to set up online banking, and needed access to my account number from work ( my account statements were at home, and I was locked out of my online banking account. I called Citibank 's customer service line to get my account number and they kept me on hold for 30 minutes before ultimately telling me that they were not permitted to give out that information over the phone and I needed to go to a branch. They were extremely rude and a huge waste of my time!
my name is  XXXX   XXXX  and I saw that real time solutioins was on my credit I have never gotten anything in the mail saying that I owed them so I looked into it it was a company check and go I had paid them in    2014  because I had a  XXXX  so I called all of the credit bureus and I told them to disputed them because I paid them I even went to the company and my name was not in the system any more so I called real time because they sent something to the credit bureus saying its was mine but I do n't they were very nasty arguing with me I even stated I will get a lawyer but I know I paid them and I was just trying to get them to listening to me but they would n't