WillisBack/dataset-financial-user-claim huggingface dataset:
Re-dispute to Case #  XXXX   Dated   XXXX / XXXX / XXXX  This is getting ridiculous. Please review my previous dispute and incomplete response.   A. Lost Paymen t - Surprise, a fter 67 days, they found it, only after receiving CFPB complaint, even though I had told them many, many times. Just listen to taped conversations! They tried to call me back once , HA.  They knew the issues after all of my calls, why did n't they just fix it!!!!!!!! I could n't get  XXXX  took talk to me when I was calling. Do n't do this to people.   B. Incorrect  XXXX  ( although i incorrectly said  XXXX  ) - Still incorrect, consumer harm getting worse if I have to extend my  XXXX  tax return.    C. Poor  Customer Service - which continues, No one will help me!!!     Yes, I am delayed in redisputing as I did not know there had been a written response to CFPB, I guess I though Shellpoint might be kind enough to send me a letter too. I had noticed they had found my payment ( SURPRISE, took CFPB to get involved ).     I contacted Shellpoint last week asking for consumer complaint department. First day, I was told they close at  XXXX , ok, I am  3 hours  earlier. Next day, called again, " oh, we do n't have a consumer complaint department ''. Found the response letter on CFPB website, contacted and left  VM messages FOUR ti mes this week, no response. If she is on vacation, someone else should pick up the call and return. I told her I did not want to re-dispute to CFPB as I know that is a very bad thing for Shellpoint. I was willing to resolve with her, now have to escalate, again.     Closed as an isolated incident. Seriously, multiple things wrong. Good cover though. I feel for most people, who do n't understand this process. Oh, and CFPB does n't have many complaints about you as you have know way for people to easily know to complain to CFPB unless they go to a lawyer. And, you do n't have a complaint department. My complaints in  XXXX  and  XXXX  certainly did not get escalated through your normal channels.     Fix your policies, procedures, training and customer service and give me a revised  XXXX . I need to file my tax returns. I 'm not letting this go. If I have to file an amended return because of your incompetence, you will pay for it.     CFPB, I am happy to help you with this company, I 'm an ex-regulator of mortgage industry, most of my current co-workers are ex-CFPB. Happy to share my knowledge.
Returns made for purchases that were made at XXXX and paid with Chase VISA are not automatically refunded to the XXXX and are sometimes returned in cash. I complained about this practice on two occasions and was told that the amount could instead be placed on a gift card. After speaking to management on XXXX XXXX, 2017, I was informed that this was not the correct practice and that the amounts should have been refunded directly to the card. On XXXX XXXX, 2017, I requested XXXX XXXX XXXX XXXX  store management to complete a full audit on my store account because of the transactions that were not refunded to the Chase XXXX account.
On XXXX XXXX, XXXX, I contacted Equifax for the status of a dispute with XXXX XXXX XXXX indicating that the account is not mine. The representative, XXXX, informed me that the account has the same name and social security number as my file, therefore it has been verified. I asked her how did Equifax verify the information. XXXX 's reply to was, the account has the same name and social security number as your file, therefore it has been verified. I asked, " Did you receive any valid information from the creditor?. '' XXXX stated, " XXXX did not send in anything ; however, the account has the same name and social security number as your file so it has been verified. '' I asked XXXX that if XXXX never replied with any valid information or any information at all then how can you say that it has been verified? She replied, " The account has been verified. '' I explained to her per the law, a debt has to be validated in order for it to be truly verified, so what information do you have that says that this account has been verified? '' XXXX replied, " I do not have any information. ''
I pay for the Equifax monitoring service monthly which provides daily updates to my credit report and credit score. I have not been able to update my score or report since   X/XX/2017 . I have  called them numerous times and every time I call I get the run around. This is a service that I pay for monthly and they have been taking my money monthly and have not provided a solution to this issue. I feel that I am being taken advantage of and would like to file a complaint against Equifax.
The lease company Mazda capital services ( through Chase ) makes you set up automatic payments from your checking bank account to pay for lease. My lease ended on XX/XX/2017, but the automatic payments continued to be withdrawn. I noticed it in XX/XX/XXXX and called Mazda capital services. They said they can not refund my payment now, they will give it back in the next 10 weeks! I am without my money for 10 weeks, and feel they were taken fraudulently from me, as the lease ended, but the company continued withdrawing payments. If they do it, they have to pay interest on the money that they take from customers this way!
My husband and I both had significant job loss during the recession. We kept paying all of our bills. I had to start a business to make ends meet and when I had billing issues was unable to make the full payment on one of our cards ( I paid XXXX rather than XXXX ) and did keep up with the other which was a slightly lesser amount XXXX as opposed to XXXX. I spoke with them to work with us as it was temporary and we were doing everything to stay current, pay our debt and protect our credit. One day XXXX XXXX 2016 I called to make a payment and was told the XXXX had been XXXX XXXX out and was forgiven by USAA Bank who I have been with for 30 years. I called the CEO 's office and told them I did n't want them to do that as I was concerned about possible credit issues and I was PAYING them. I also did n't know if there would be a tax liability we could not afford. This year, no XXXX came and them after preventing us from paying them as the account no longer was accessible they put us into collections all the while keeping the other open and continuing to make payments. They closed both of the cards/accounts and denied access to our online ability to pay or communicate. I contacted the CEO again to say this is fraud and we have been deceived and their individual there XXXX XXXX refused to call me back. It has now been several weeks. I never get my documents via mail as requested only bills. I have stayed current with all other accounts but they have strong armed be to now auto deduct my home and auto insurance payment. Additionally they have been crashing my credit as if I have NOT paid them for over a year and I had no idea. I told them I am not getting correspondence and they sent me a letter saying that I can access the online account. They are the ones that locked it. THIS IS INSANE.
Thanks for your attention to this matter. I am dismayed that I can not trust these people. They also hold my second mortgage, and told me the property valued which it has not for the past 14 years. I have paid them irregardless but they have no accountability for providing a bogus appraisal that would have prevented and interest only situation that is now starting to increase. We are trying to sell to get them paid and now they have after all these years are the very people stopping us from buying or renting a way forward!!!
Sincerely, XXXX XXXX
My US BANK PLATINUM VISA CARD FALSELY REPORTED TO ALL CREDIT AGENCIES that I made a late payment when in fact I had paid off the credit card for years! 
It is totally astonishing that US BANK PLATINUM VISA CARD company made such a huge error that has such a negative effect on my life. After years of building a perfect credit history, and paying off all my credit cards, I applied for a home loan only to find that I have a " LATE PAYMENT '' reported by your company ( Sometime around XX/XX/2016 ). I found that very alarming because I had just paid off my US BANK PLATINUM VISA CARD and my balance was at {$0.00}. After I paid off the US BANK 'VISA I was shockingly charged a {$2.00} 'interest charge fee ' ( on a balance of {$0.00} ) then a 'LATE PAYMENT FEE ' for {$54.00}?! Worst yet, I did n't find out until MONTHS later, after the company submitted a damaging report to credit agencies FALSLY reporting that I had missed a payment! These charges were quickly reversed. However, my credit score is STILL DAMAGED : I was refused a home loan because of US BANK PLATINUM VISA CARD 's FALSE CLAIM! 
How can such a massive heartless blunder still occur? What measures has VISA company taken to prevent this from happening to another innocent person in the future?! 
My request : send a letter of correction to retract your previous false report to all credit agencies with the same expediency and vigor which they erroneously charged my inactive account interest fees, then late payment fees and then falsely reported against my credit ... They did nothing.
my husband had a XXXX XXXX XXXX and I needed to remodify my loan my husband who was the bread winner of the family would n't be able to work any more and we were living on my XXXX/ of XXXX a month we went from XXXX to mine over night. I filed they said to skip three months I was learly but I followed the instructions to the letter and they put our home in foreclosure and we almost lost it I called and wrote senators and govenors and even the president they a even tacked about XXXX to my loan after about three months of doing this,, this was wrong and needless and needs to stop, it was citi mortage account XXXX why is this happening to people? and can we get the money they conviently took from us my husband died XXXX XXXX and the stress of this did n't help I sold my home and moved to XXXX where I have just file a complaint with XXXX,,
I have disputed several items on my credit report that are the result of someone using my information for XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX. I have a phone through XXXX XXXX and have had cable at my address for several years in my wife 's name. I have disputed these items several times and called XXXX XXXX XXXX etc. and they have removed these due to fraud. Yet a collection agency still is trying to collect for all of these. I want them removed ... .or proof of my drivers lisence used with my picture on it. All of the phone companies and cable company do not require photo id ... .and these are not mine. I want proof this is me, or remove them immediately. What ID was used to open these accounts???? Also XXXX XXXX XXXX?? There is not even a XXXX XXXX XXXX in the state of Washington ... .I have never lived anywhere but here and this account is fraud. What information was used to open these accounts?
Navy Federal Credit Union is refusing to provide monthly statements for our mortgage because we declared Bankruptcy in 2009. We did not default on our mortgage during the bankruptcy and have continued to pay in full and on time throughout the life of the mortgage. We are now expected to blindly pay our mortgage without knowledge of our principal balance, interest rate, or current payment amount.
I had multiple types of loans upon graduation in XX/XX/1996. The loans were originally consolidated with XXXX XXXX into XXXX larger loan instead of a bunch of smaller loans. During a few years, there were deferments when I was out of work, etc, but once everything switched to navient, I cant check on my statements, etc. I did get in touch with them once about not being able to manage a XXXX a month student loan. They looked into it, and wa la! My payments went UP to XXXX a month. It 's killing us to make this payment every month, but navient is NOT willing to help in any way to figure out a better alternative, except for forbearance, which as we all know greatly increases the amount of money you owe. They are impossible to get in tougch with, and when you do, they are unwilling to help.
An, so called " Debt Consolidation Company '' ( using 2 names, ''XXXX XXXX & on credit card statement ''XXXX XXXX XXXX ' ) contacted me, to tell me they would take over & make payments to the Banks, allowing me to make a lower payment to this company each month, also would lower my debt by 1/3 I stupidly accepted & gave card 's info. They charged my credit card {$1000.00}. ( Citi Card, Platinum ) XX/XX/2018 The credit company, will not reimburse me, even though this was an Fraudulent charge, Since having no service with this ''Debt Consolidation Company? ' & no correspondence with the persons that signed me up for this ''Debt Release Program? '' ( Persons spoken to were XXXX XXXX & XXXX XXXX @ XXXX saying their Company was out of XXXX ) Can you please help me to be reimbursed for the {$1000.00}, I am aged ( XXXXyrs. ) & on a rather low income. Thank you!
On    XXXX   XXXX   XXXX   I file d a complai nt on   XXXX   XXXX   The company has refused to verify and information regarding a debt that is claime d to be owed. When reaching out to the company the representatives are rude and claim that the company does n't have to verify and information.  One rep advised me that   XXXX   XXXX   can electronically share any balance to the credit bureaus    and I should stol calling because they  can add to the balance at any time. I was then told by the rep that no signed agreement binding me to pay the contract exists but if I do n't pay it, it will continue to reflect negatively on me borrowing potential so I should just "  XXXX  it up and pay it, even if its not yours '' i have attempted to get assistance from all   XXXX   credit reporting sgencies.  XXXX ,  XXXX , and Experian however I have not received a resolution .    XXXX   XXXX   has not reaponded to a complaint submitted o n   XXXX   XXXX   an d they refuse to verify that this is my debt but the account continues to reflect bad borrowing potential on my credit report.   According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. As per an opinion letter published by the FTC, reporting this collection is considered as collection activity. You ca n't report a debt that is not infact verfied as mine or that I have not received any written notification of before the attempt to collect the debt. This account should be removed from ALL  XXXX  credit reporting agencies.
On XXXX/XXXX/2016, Cash Advanced {$600.00} with our Social Security XXXX XXXX XXXX. Zions National Bank could not find the {$600.00} cash advance so they ran another {$600.00} on XXXX/XXXX/2016. This mistake held {$1200.00}, all of our income. The supervisor XXXX XXXX XXXX at XXXX, stated " that it was the same {$600.00} and they had not made any mistakes. Contacted XXXX XXXX and they explained that Zions had forced through the 2nd {$600.00} and we would have to obtain a letter from Zions releasing the 2nd hold. XXXX XXXX insisted that it was the same {$600.00}, refused to issue a letter releasing their hold. We had to wait 10 days before the Zions hold would fall off, during these 10 days, we had no $ for XXXX. We spoke with 9 people, and numerous times with XXXX XXXX. During this 10 day waiting period, we begged XXXX XXXX to consider helping us, after all, we have had an account for 29 years. We contacted the Branch Manager, XXXX XXXX, he refused to help us, a 3rd party performed their cash advances. We suggested a letter from XXXX XXXX, their records showed a double hold, he refused to accept the letter, they had not taken a second hold. On the 10th day the Zions 2nd hold fell off and our {$600.00} was released. Zions Bank, insisted that they had done nothing wrong, and could not figure out what happened. Because they did not know what caused the problem, we felt it necessary to file a complaint. XXXX XXXX is a government agency and they knew what happened, Zions refused to admit any fault in the matter. XXXX XXXX, Case # XXXX, sent me {$80.00} in XXXX 's coupons in XXXX, we have closed our account. They had a nice XXXX, we will never forget we did n't have XXXX because of Zions.
I had several major medical complications in XX/XX/XXXX with three hospitalizations ; and with my husband having to take time away from work and major medical bills the expenses really started to affect our ability to stay up to date with our mortgage. I applied for a mortgage modification with Mr.Cooper and they decline despite the fact that all required documentation was sent to them. I decided to accept a payment plan.The plan stated I would make 3 payments in the amount of {$1700.00} from XX/XX/XXXX to XX/XX/XXXX. We made all three payments as agreed. The terms of the agreement stated that once we completed the payment plan our mortgage would be current and we would continue making our regular monthly payment of {$1000.00}. The problem is that the Mr.Cooper did not keep their end of the agreement and upon completing the payment plan we continue to receive statements stating the payment due is {$1600.00}. This amount includes {$210.00} in fees that according to the plan should not have been assessed. I have made multiple attempts to resolve this issue with the lender with no success. In my last call I was told a case was opened to investigate the issue but over 4 weeks have passed and I never received a call back or any communication. In the meantime the lender has continued to send us harassing letters stating their intentions to take our home.
I took out an installment loan with Blue Trust Loans in XX/XX/2018 for {$1200.00} to pay bills.I am a teacher and am getting paid again, but I am struggling to pay back the loan because of the high interest rate of 634.66 %. I planned on paying back the loan right away to avoid the interest, but was unable to do so. I have already paid back {$1700.00}. I would like to settle the loan as paid in full. They are trying to collect the amount of {$1500.00}.
I have not been able to obtain my report other than from XXXX XXXX due to Transunion said they could not verify me. They have XXXX reports from XXXX closed/derog ch XXXX that are incorrect ; XXXX ch XXXX double reported limit {$300.00} and {$250.00} ; XXXX {$1500.00} should be reported paid in full ; they have collection accounts that state that meet fcra requirements for disputes that should be removed yet remain on my report. XXXX {$1200.00} ; XXXX {$620.00}, XXXX $ XXXX {$250.00} ; I would like these removed a new report issued to those that have inquired against me as I have been denied credit with a new score and sent to me via email with the score and report as well as mail. My email is XXXXXXXXXXXX.
I am very upset for the reason I have tried to work directly with my new mortgage company Wells Fargo.However they do not want to review my loan for a modification, I provided my income and my sons contribution for proof of income. However ; Wells Fargo executive office did not helped me they just turn me down. At this point I am doing all I can to safe my home, my home is severely under water. With the income I have I am confident I can keep up with an affordable mortgage payment. But Wells Fargo is just prolonging my loan making me fall behind more, the executive department advice me that even with the increased of income my loan is not eligible. This is not acceptable because I was told by an agent from Wells Fargo if there is a change of income I can always re-applied. Therefore I have and nothing is been done. For the record my intentions were not to fall behind but due to my divorce and extreme loss of income it was impossible to keep up with my mortgage payments. I have my rights as a home owner and I know my loan is not been review fairly. For the reason that I summited a complete modification packet on XX/XX/2016. Then is was denied XX/XX/2016. Wells Fargo just took six business days to review my documents how is this a fair review. Please help me I do not want to loss my home. My monthly income is {$2600.00} this includes my son contribution, and my monthly expenses are {$2300.00} this includes my current mortgage payment also I have a surplus of {$320.00} at the end of the month. I do have enough for an affordable payment, they keep changing my information. Due to all of this I believe that Wells Fargo is engaging in fraudulent and deceptive practices, they are basing most of their information on assumption, even though I have provided all the necessary documentation. I need assistance and I hope a solution is found to this ongoing issue.
The company Roquemore & Roquemore AT XXXX XXXX XXXX is repeatedly contacting myself, my daughter and my spouses ' parents for a debt that is NOT ours! They are trying to get a hold of my spouse about this loan but it is solely IN HIS NAME. IT IS NOT MY DEBT, THEY ARE JUST TRYING TO LOCATE HIM BUT HARASSING US REPEATEDLY. 

This debt does NOT have our names on it!!! They are repeatedly calling me AT WORK for weeks and PURPOSELY DIALING ALL OF THE EXTENSIONS OF MY CO-WORKERS AND BOSS!!!! 

This is NOT MY DEBT. It is NOT IN MY NAME. WHY ARE THEY HARRASSING US!!!! 

I actually thought it was a huge scam at first because of how often they called me. I do not know any of the details of this LOAN, it is not my business, I am not on the loan, I was not included as a reference .... neither was my daughter who is 19!!! They are just trying to get someone to talk to BUT IT IS NOT MY BUSINESS.
Acct Number ending XXXX Amount owed {$680.00} Bank America has been continuing to report to all the major credit bureaus that a fraudulent credit card that was opened under my social security is mine ( XXXX ), although they are fully aware that I am a victim of identity thief. 
Bank of America has continually used abusive, unprofessional and XXXX style tactics in their behavior with addressing this matter. In one of their only recent correspondence via a call with me they stated that a checking account from XXXX XXXX was used allegedly by myself to make payments as well set up this secured account They also stated if XXXX states that this checking account was a fraudulent account they would remove this from my credit bureaus. However, in their written correspondence they are now stating they would reexamine the matter. 
I have been in contact with XXXX and they have stated that I am not indebted to them from any accounts, therefore they will not provide any documentation for Bank of America. Also, that it is questionable, troubling and ridiculous that Bank of America would require another banking institution to provide such a letter to assist a consumer dealing with identity thief. 
Also, very important to note ; that Bank of Americas follow up statement to my original CFPB complaint, stated that XXXX confirmed that this above-mentioned checking account had my matching Social Security number. XXXX XXXX and Customer Advocate team stated and confirmed to me directly, per the companys policies and procedures they would never disclose sensitive private information about any consumer without a court order, to any third parties for liability reasons. Which means B of A completely and utterly fabricated lied about that entire encounter. ; troubling and disturbing. 
And most important, they B of A have stated ; they would be happy to remove the account if I pay them the monies owed ; regardless to fact, I have repeatedly stated Im an identity thief victim, which is blatant extortion ; again, extremely troubling and disturbing. 
Finally, Bank of America has continued to move the goal post, for me to effectively receive any kind of favorable outcome, also there are countless similar cases and situations ( hundreds of articles throughout XXXX, of questionable abusive tactics and practices involving getting monies from consumers ), where B of A has behaved in this manner.