WillisBack/dataset-financial-user-claim huggingface dataset:
I filed for modification for our mortgage with Citimortgage in XXXX 2017. I kept getting the run around when I would call and speak to my homeowner specialist. Every time I went on their site to check for additional documents needed etc. it was and still is down for temporary maintenance. I have had 4 different homeowner specialists on this modification. I waited and waited and did not receive any documentation through the mail or online indicating what was happening. In XX/XX/XXXX I called my specialist at that time ( XXXX XXXX ) and was told our modification was still sitting on the desk of the underwriter. She did not know what was taking so long. We filed for a modification in the past and know the process. Usually after 90 days you have to resubmit bank statements etc. We received no notification stating to submit new items.On XX/XX/XXXX I received an email from XXXX XXXX stating our modification was still on the underwriters desk. So we wait longer with no updates. Then I call on XX/XX/XXXX because I receive a letter from Citi stating they were sending our mortgage for foreclosure to the foreclosure attorney. I speak to a gentleman who is talking through my homeowner specialist. ( I do n't understand why he did not speak to me directly. ) At this time I am told we were sent a letter demanding payment in XX/XX/XXXX which we never received. Then I am told on XX/XX/XXXX we were turned down for the modification. Why then did I get the email on XX/XX/XXXX stating our file was still on the underwriters desk? Again we were never informed. I asked if I could resubmit for another modification and was told yes. XXXX took my info including my phone number change ( this is the second time my number was not changed in their system ) and said he would submit it to my homeowner specialist and he would reach out to me. I received no phone calls or letters so I called again on XX/XX/XXXX and actually got my homeowner specialist. He asked the identifying questions and again I was told the phone number I gave them 2 times previously was not correct. he said he corrected it but I will see the next time I call. He also mentioned that was why he probably could not get hold of me. He put me on hold to finish what he was doing when I called. I attempted to ask questions when he finally came back and was told he could not talk at that time because he had another call scheduled. He did schedule a call for Friday but I believe Citi is deliberately trying to take our home. We have not gotten letters they said were sent, they are not changing my phone number ( given to them 3 time now. ) in order to call us, I am getting different stories from different people working there, I ca n't access their site for updates to our modification because it is always down for maintenance. We ca n't loose our home! We got behind on payments due to my husband being laid off, home repairs, and severe illness. Please help us!!!!
I made a purchase of a cashier 's check from my bank account on Chase by XXXX/XXXX/2015 to pay my move in fees in a new apartment located at XXXX. The amount debited from my account was US {$6400.00} and the check number was XXXX. On the other hand, last friday XXXX/XXXX/2015, I received a 30 days notice to vacate the premisses because the landlord told the check was fraudulent. I went to speak with the representant by the lease office and she told me the amount on the check was different than the amount generated. I went to Chase and the banker told me a problem happened and would take up to 10 business days to send the money back to my account. This is unreal and now not only my reputation but my integrity are burned in the building I just moved. By the lease office, the lady told me they could n't even deposit the check. I need a solution ASAP.
Placed a dispute with Equifax about reported information on XXXX XXXX, XXXX and still have not received resolution. Attempts to contact the company go unresponded to. Sent letter, called phone number on website, Constant busy signal.
I deposited a check for XXXX and it is not any type of special check and the bank is holding it until the XX/XX/XXXX and I deposited it yesterday. The person I got the check from said it will be cleared today or Friday the latest, so my question is why is the bank holding it until next Thursday? Can you assist me. thank you
Just used XXXX to get my credit bureau report. Had a debt from XXXX showing up as unpaid and with a collection agency. I contacted the collection agency who provided me with the information to contact XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX, ( XXXX ) XXXX or ( XXXX ) XXXX, XXXXXXXXXXXX. I contacted XXXX and they said it was for an urgent care visit in XXXX for my son and since he is on my health insurance I was the guarantor of the debt. I have lived in XXXX for 11yrs and have not lived in XXXX since XXXX. I divorced my ex-wife in XXXX and our son XXXX lives with her in XXXX. XXXX said they mailed the bill to her, but when she called them they had a wrong address on file. We have both asked them to have this removed from my credit bureau when we pay the bill ( which is not a problem at all to do ) and they are refusing. The problem is NO ONE was ever notified of this debt, my ex-wife or myself and yet they are refusing to fix my credit bureau when I was not party to the debt or even took him to their urgent care facility. I feel as though I have been victimized and have a derogatory mark on my credit bureau with a date of removal of XXXX when I was never given the opportunity to pay the debt. Please help me as I am working to secure a loan to buy a house which is why I pulled the credit report to begin with.
XXXX has a wrong address on my credit report : XXXX Equifax has a wrong address on my credit report : XXXX My correct address is : XXXX
Khol 's has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting  bureaus.
Called Navient on XX/XX/XXXX for two ( 2 ) closed student loan account that were consolidated and accounts should not be on my credit report because the credit bureau ( XXXX ) said that the accounts does not have verified date of the first late for them to remove the account. The account shows XX/XX/XXXX current and XX/XX/XXXX 90 days late instead of 30. The lady I spoke with on XXXX said that my actual first late was in XX/XX/XXXX which is not showing on my credit report and account is over seven years from the first late on both account and should not be on my credit report. The lady said that I should receive a letter showing my first late on the accounts in 7 to 10 business days because the can not email it. I never received any mail so I call XX/XX/XXXX spoke with a guy on the phone and explained my situation he said give him a moment and left me on the phone for 45min hold and  never came back on the phone.
I " had '' a Chase checking account in XXXX of 2016. My Chase debit card was stolen and used and there were unauthorized purchases made all over the nation within less than a month. There were over XXXX transactions done in a matter of a few days.Once i attempted to notify chase that this happened they proceeded to file a claim, i notified them that i am in the XXXX and am soon to be XXXX and would not have access to check the status while away. The representative was then assuring me that i need not worry and that they have a fraud department that handles these types of situations and if anything i will receive a " provisional '' credit within XXXX to two business days. I submitted the claim and 30 minutes later received an email saying my claim was denied. i rushed to call to find out why and the representative notified me that there was a single transaction ( out of the XXXX transactions ) that was not filed in the claim and proceeded to end the dispute at that point. I then notified her supervisor that the missed transaction was not my fault and was a simple mistake of the previous representative due to a large amount of transactions within the week, and i clearly stated from a certain date until the present date were fraud so she understood and refiled the claim but notified me that because of the previous denial it would be more likely to be denied again but she included the transaction that were missed and put notation on the claim of the error. the following day i received an email stating that it was denied again, i then called to question and was told it was because of the first denial.
I am currently in a Debt Relief Program. XXXX XXXX called my place of employment @ XXXXest, XX/XX/XXXX. Asking the receptionist to speak with my husband or myself. 
Then again, another phone call on XX/XX/XXXX @ XXXXest. They have my cell phone number but are attempting to reach my at work.
XXXX, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Navy Federal Credit Union damaged my Credit report. Even duplicating account information to the XXXX. 
I demand the following accounts be verified or removed immediately. Account Number Provide Physical Verification. 
1. NAVY FCU Account # XXXX XXXX 2. NAVY FCU Account # XXXX Unverified 3. NAVY FCU Account # XXXX Unverified 4. NAVY FCU Account # XXXX Unverified I hereby authorized NAVY FEDERAL CREDIT UNION TO RELEASE INFORMATION TO THE CONSUMER FINANCIAL PROTECTION BUREAU.. 
Thank You, XXXX XXXX XXXX
We called this company ( they said their name was XXXX, I'am not sure that is spelled correctly ) - We gave them our name and said the debt is " not ours, & that person does not live here!!! XXXX. - They still keep calling & leave messages on our answering machine. 
We have had enough!!!!!!!!!!!!!!!
On my XXXX XXXX Capital One statement I noticed several fraudulent charges. That came up to {$1600.00} which I 'm currently still paying on. I immediately got in touch with XXXX XXXX and was directed to the fraud dept. A purchase adjustment was briefly granted. The XXXX XXXX statement all the charges reappeared. I contacted the Capital One fraud dept about the situation again. It 's so strange that every time I call to discuss the fraudulent charges it seems like I got the run around.
over the last 2 years with several requests, Ocwen Loan Servicing continues to deny my ability to pay my own taxes and insurance. 
as a mortgage professional, who has originated several Ocwen loans to my clients throughout the years, I have had to personally assist 4 of them with issues surrounding Ocwen 's misuse and inability to manage the funds that are to be properly disbursed to the city tax assessors office and/or the insurance companies. 

After 12 years of paying my mortgage on time, and several hours of wasted conversations with the incompetent staff of Ocwen Loan Servicing, who give you the runaround and can not provide adequate answers for their inability to function properly, I ask that you investigate the abuse suffered at the hands of consumers by this company Ocwen has been issued cease & desists for originating loans by 30 AGs offices around this country, I am now requesting that a full investigation of the abuse and misuse of clients escrow funds and the need to revoke Ocwens ability to even service loans, never have I dealt with a more thoroughly incompetent group of people than the staff of Ocwen Loan Servicing
i XXXX XXXX XXXX XXXX have sent complaints to all three reporting agencies about debts that have refused to verify the  debts.  on XX/XX/XXXX a letter of discovery requesting proof of acknowledgement; copy of signature on agreement ,or  acknowledgement of debt document. also requedted was copy of 1 bill of deliquency of debt, and/or debt total ./ repeat letter was sent XX/XX/XXXX, and certified letter in XX/XX/XXXX . all requesting the same thing to these debtors;XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX XXXX. amt $XXXX org. creditor XXXX XXXX XXXX XXXX.  XXXX XXXX acct # XXXX#2   XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX  amt $XXXX XXXX XXXX XXXX XXXX. XXXX XXXX acct# XXXX. equifax acct# XXXX
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that were used to verify the accounts I disputed. Being that they have exceeded past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information that can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Citibank has been receiving checks for my credit card account, cashing them, and not applying them to my account. There was a monthly payment being sent to my credit card account through E-Bill from a XXXX XXXX XXXX. These payments were sent on the following dates. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Of these dates, only the XX/XX/XXXX and XX/XX/XXXX payments appeared on my account. I did n't realize the payments were missing until I stopped auto paying my account and received a missed payment fee due to the XX/XX/XXXX payment not being applied to my account. In total, 5 payments were missing, and a sixth payment ( XX/XX/XXXX ) was returned. 

Once I contacted CITI, they located the payments, and applied 4 of the 5 to my account. I called again for the 5th, and was told it was applied to the account. The fifth payment was not applied to the account, and I was not reimbursed properly for the interest fees. 

In the time were Citi cashed these checks without applying them to my account, I was paying more than necessary on my bill, and thereby not getting accurate interest in my personal checking account. Additionally, because they did not back date my payments once crediting my account, I was not properly reimbursed the interest I was charged from XX/XX/XXXX onward. I 've had to reach out to Citi Bank multiple times to get this resolved, and this has still not been resolved properly. 

I would like to know what happened to my payments in this time period, why they were cashed by Citi and not returned when they could not find the correct account to credit the payments to, and if they were cashed by Citi, why they did not investigate the payments and credit my accounts until I contacted them multiple times. I also do n't understand how Citi was able to locate the correct account for 2 of the payments, but not payments occurring prior to, in between, and after those check dates. 

I 'd also like the interest I am owed to be calculated and returned to my account, along with the last payment of XXXX dollars missing from this account.
All of my credit cards show me when a promotional rate ends ( for balance transfers ) except for Discover. Are they supposed to provide this information on their statements?
Re : XXXX XXXX XXXX SS # XXXX Hello, My name is XXXX XXXX XXXX and I am writing a complaint against TransUnion about my Credit Report. I have no affiliation with XXXX XXXX care. On or about XX/XX/2016, Your company states I owe : {$200.00}. I am a Veteran and you have listed someones information on my file without my knowledge. I have never visirted this place or do n't even know here this place is located. 
I would urge you to have all of themse items removed form my file ASAP, and clean my record as it used to be. I do not appreciate your lies and deception.
PNC CONTINUES TO PLAY GAMES AND NOT COMPLY. THEY HAVE DENIED THE CLIENT ON XX/XX/XXXX FOR THE HAMP WHEN IT WAS STILL IN PLACE STATING THEY DIDNT HAVE A COMPLETE PACKAGE. WE ENTERED AN AGREED SALE DATE WITH XXXX XXXX OLD ATTORNEY FOR THE BANK XX/XX/XXXX TO BE HELD IN 20 DAYS OF COURT DATE BANK AND ATTORNEY WHERE NOT AVAILABLE TO EVEN SEND US A RESPONSE TO A DATE. TILL XX/XX/XXXX AT WITCH TIME THE PRIVATE MEDIATOR THAT THE DEFENDANT IS PAYING FOR WERE OUT ON VACATION FOR THAT WEEK. AFTER THAT, THEY WOULD NOT AGREEE TO A MEDIATION DO TO THE FACT THE TIME HAD EXPIRED ON COURT ORDER. AND TODAY XXXX I RECIEVE A DENIAL LETTER OF XXXX 2016 THAT WE HAD NOT SUBMITTED A COMPLETE PACKAGE. THEY HAVE ALSO CHANGED LAW FIRMS TO XXXX. HEAD ATTORNEY IS XXXX XXXX PHONE NUMBER XXXX. NOW THIS ATTORNEY AND LAW FIRM HAVE NO IDEA OF WHATS BEEN GOING ON FOR THE LAST 3 YEARS WITH THIS BANK. THIS IS MY CLIENTS PRIMARY HOME AND HE HAS BEEN STRUGGLING TO KEEP IT AND THE BANK CONTINUES TO PLAY GAMES WITH OUR CLIENTS HOME. ISPOKE TO XXXX FROM PNC TODAY ID DVK AND WAS TOLD THEY CANT DO ANYTHING FOR THE CLIENT CAUSE THE HAMP PROGRAM IS NO LONGER VALID. WE HAD A FIRST COMPLAINT # XXXX WE REALLY NEED YOUR ASSISTANCE IN THIS MATTER.
I appeal to the Consumer Financial Protection Bureau with the belief that you can hold banks, lenders, and other financial companies accountable for their actions and ensure they treat borrowers fairly. 

My Claim As I understand it, lenders are required to inform borrowers when their loans have been sold and the new holder of the loan ( or servicer ) is required to inform the borrower that the loan has been purchased. Speaking to the actions of Campus Partners, the way my loan payments have been sporadically applied over the year -- with some payments being debited from my bank account twice in one month -- and then abruptly dropped as of late is unacceptable. I ask Consumer Financial Protection Bureau to look into Campus Partner 's mishandling of automatic fund withdraw, of the XXXX XXXX XXXX XXXX transfer and the inadequate handling of their notifications to borrowers. 

Events that led to delinquency I attempted to use the Campus Partners site three times in the past two months. Each time I received a cryptic message that refers to site maintenance and encourages the user to try the site again later. There was absolutely no indication significant changes to Campus Partner 's status took place -- just an abandoned web site. I only learned of the service transition with a notice of default from XXXX. To make matters worse, historically, it seems like Campus Partners haphazardly withdraws funds from my bank account. I see the money being withdrawn from my account but with little rhyme or reason. And by the time I noticed the erratic withdraw pattern, XXXX does n't acknowledge the payments made. For my delinquency, I was told I owe for two months, due for XXXX 2016, but my bank shows the last payment was taken from my bank account in XX/XX/XXXX. How can this be? I enrolled in the automated payment method years ago and have never been delinquent in my payments. What 's more, I have an excellent credit standing and would never jeopardize that status by neglecting my student loans. Mishandling of this service transfer by one or all financial parties involved stands to compromise the average borrower 's ability to maintain good credit and function financially. 

Please understand, the initial lack of written notification -- with a significant time gap which resulted in a default notice -- on the part of both Campus Partner 's and XXXX should not go unpunished. I thought I was uniquely affected by this mishandling but I discover countless people online who faithfully upheld their financial obligations with Campus Partners and now suddenly struggle to bring their loans current again. They are worried and scared. They do n't know how they will satisfy their delinquent account and still eat and put gas in the car. 

The lapse on the part of Campus Partner 's and XXXX to notify borrowers -- well before so many became delinquent -- is a professional, procedural mishandling and borrowers should n't have to suffer for that business error. 

Without a timely, adequate notification of the servicer transfer, coupled with sporadic and deceiving withdraws from my bank account, I should not be penalized and the loan should be brought current.
We applied for a home mortgage loan with Wells Fargo the XXXX part of XXXX for a purchase in XXXX, Ok with escrow to close on XXXX XXXX, 2015. We were told on XXXX XXXX, 2015 that the bank would NOT fund the loan. The bank did not have to courtesy toinform us, we learned of this decision through the escrow company. 
The reason stated for refusing the loan were not accurate but we could not getthe bank to change their minds. To close this deal we had to empty our brokerageaccounts and now can not get a mortgage as a new purchase with the better interest rate. 
Wells Fargo put us in a financially impossible position. To have a lender now it willneed to be a refi and I am being told that I have to wait at least 6 months to even apply and the interest rate has already gone up.
. For the past two years since OCWEN has taken over the servicing of my mortgage I have been constantly harassed with phone calls, foreclosure threats and charged late fees when I have been complying with my contract and paying on time. Ocwen takes more than 10 days to process payments and deposit checks, claiming that I am late. I understand that Ocwen was prosecuted. The Consumer Financial Protection Bureau obtained a Consent Judgment against Ocwen, for XXXX in principal reduction and XXXX in cash to foreclosed homeowners. In spite of this court order Ocwen still continuous to violate the Consent Judgment Order, the Fair Debt Collection Practices Act with false misleading representations and unfair practices. 
I understand that Ocwen is a collection agency that services my loan. They refuse to tell me who the principle note holder is or give me contact information and this is causing me extreme anxiety as to what my legal rights are.
We used XXXX XXXX XXXX service to advertise a B2B service of our company. After getting wrong calls, for example someone calling to order a fast food package, or printing puzzles, etc, I called XXXX to complain on XXXX XXXX, XXXX. The representative, which by the way was recorded, said that since I wold have no control over the keywords in XXXX, we should switch to XXXX from XXXX XXXX. I said ok, and that we need help in cancelling the account and help with signing up with their other service. I never heard back from that representative, which I was hoping will be via email or phone call. After a few days, I noticed that we were still being charged and that the amount was increasing without our consent. So I complained to Wells Fargo, and was assured help with this dispute. Then, today I got a call from their dispute department saying that they have received a letter from XXXX that all my claims are untrue and that I have only until Monday to help provide proof. I told the representative that I have the calls recorded that will prove that I complained that I was told I have no control over my XXXX account. But the Wells Fargo rep kept saying we can not use that. If I can not than it is very unfair that I am not being given a chance to prove that I tried resolving the matter with the merchant and the credit card company.
I have been working with the reporting agencies for months now trying to have public record information deleted from my personal credit reports but with no luck. However, based on the information that I have found per the NCAP it states two things required : The public record data must have your name, address, and either your Social Security number or your date of birth. 
The data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records. After reviewing my 3 CRA records this information is not listed on the public record that is attached to my file. I am requesting that this public record..ie : bankruptcy information be deleted from all 3 CRA accounts ASAP per my right based on the NCAP law.