WillisBack/dataset-financial-user-claim huggingface dataset:
I would like CFPB to continue pursuing my existing case ( Case # XXXX ) with Discover. Thank you!
I FELL BEHIND IN MY MORTGAGE DUE TO UNEMPLOYMENT AND I HAVE TRIED TO GET HELP BUT THE BANK HAS DENIED MY REQUEST MULTIPLE TIMES WITH OUT ANY REASON
Scott Parnell & Associates, PC. 's ( XXXX ) Attorney Michael J. Scott ( XXXX ) filed an affidavit in federal court pleadings, exposing my social security number today, along with my DOB and Texas Drivers License Number. I spent {$220.00} with a credit monitoring agency and food to work late on this. I missed my home cooked meal because of this. Is this just the start or does it end here. Anyone can see my social security number in cause no. XXXX on the pacer.gov website. Earlier today before all this happened I had called XXXX XXXX and asked to speak with XXXX XXXX who welcomes my questions or concerns and gave me number XXXX. But in reality the people who answer the phone never let you talk to XXXX and they just say you have to call the attorney. So it seems that XXXX is their agent in all the matters before us, in our common law, they are responsible for their agents. So when I call them tomorrow to ask them about their agent, who released all of my sensitive data out for everyone to see, are they going to tell me to call their agent XXXX, or are they going to talk to me? Who gave XXXX my social security number? Who is responsible for the breach?
fraud error dont know but they are not mine inaccurate information must be removed .... violation of all my right as a consumer i sent several letter to all the company listed speedy cash a lot of inquires that are not mine transunion, XXXX and XXXX will be all disputes in the mail of the violation that they have put on my credit report ... ..
Today 's date is XX/XX/2018. On XX/XX/2018, we ( the student, XXXX XXXX ) and myself, as co-signer ( XXXX XXXX ) requested documentation that one of XXXX  's loans be shown as current. XXXX XXXX XXXX, the loan processing company, asked for proof that XXXX made a XX/XX/XXXX payment, which XXXX does not reflect. They show an XX/XX/XXXX payment for the XXXX bill, but they applied the most recent XX/XX/XXXX payment to the XXXX bill because they did not record the XXXX payment that XXXX made. XXXX took a screen shot of her XXXX 's bank statement for the selected transactions on XX/XX/2018. It displays the correct amount ( actually two payments ) debited for 'XXXX XXXX and XXXX XXXX. ' We faxed that over to the number XXXX provided. We were told it would be as many as 3 business days to get the adjustment made. I called back after 3 days and they moved the goal posts. It was now going to be 7-10 business days. I asked to speak with a supervisor, who sent an email to the XXXX branch, asking that this be expedited. I called back and got another supervisor, XXXX ( XXXX ), who asked for a detailed statement reflecting payments made to XXXX from XX/XX/2018. Instead we got a textual breakdown. Again, XXXX 's payment in XXXX, proof of which we faxed over is still missing in their records. We are not allowed to speak directly to anyone in XXXX, and I have to wait another 24 hours to speak with XXXX 's manager. Delays in their escalation process are painfully slow. And I think it is purposeful. Perhaps we should not have pointed out that we are trying to consolidate XXXX 's student loans and refinance with another lender, XXXX XXXX XXXX. We are on the clock to get the paperwork completed. Currently everything is approved except for the letter from XXXX showing that the loan payments are brought current.
Home was sold.. citi mortgage was my lender.. was trying to do a new loan modification. After wife had gotten hurt 2 years ago ... have had XXXX different representative since XXXX of last year. Felt like I was getting a complete run around with them.. never called on times that I had available.
Equifax is one of the 3 major credit reporting agencies, and utilizes my information ( without my consent ) that can have a dramatic negative impact on my life. It appears they failed to protect consumer information, and, when they were hacked, executives sold off stock before even notifying the public ( insider trading? ) of what had happened. The notification that they had been hacked and that about 50 % of the adult population 's information was at risk took more than a month, which is more than enough time for identity thieves to wreak their havoc. Furthermore, to even check to see if your information had been compromised, they required agreement to an arbitration clause. Equifax 's actions are disgusting, and clearly they failed in their duty of protecting people 's identifying information. They should be disbanded, executives jailed, and we as a country seriously need to look at how much credence we give not only to our credit reports but the use of archaic SSNs which are easy to steal and thus use to destroy someone 's life.
XXXX XXXX, from U.S.Bank Consumer Banking Default Management did n't t fully resolve my issue in reference to someone using my personal information to open up XXXX checking accounts with U.S. Bank. Review Consumer Financial Protection Bureau Case # XXXX. I want to know is my name, date of birth and social security number clear for me to open a savings and checking account with U.S. Bank. I want to open an account with U.S. Bank, but I need to know has the XXXX fraudulent checking accounts been deleted from under my name, so I can open up a checking account with U.S. Bank.
Under the FDCPA, your right to dispute the. I was not given the right to dispute the dispute of {$200.00} by this debt collection on XXXX/XXXX/XXXX.
made my wife s credit card payment on time and they still assessed a late payment fee and will not reverse it
I was supposed to start making my car note payment on XXXX XXXX, 2016. I sent them online payment through my husband`s bank with the loan number on it 2 weeks early on XXXX XXXX, 2016 and it cleared the bank on XXXX XXXX, 2016. Few weeks later, I started getting calls from the company that I`m 21 days past due! I quickly called them back and told them that I even made my first payment 2 weeks early, so I should n't be past due. I later went with my husband to his bank and found out that the company returned the money to my husbands account on XXXX XXXX, 2016. I asked them why they did not inform me in writing that they returned the payment? They could not answer the question. I have also made the XXXX payment on time and I have agreed to resend the XXXX payment when I get money. The company has refused to stop saying that I`m 17 days past due, and has also refused to write me a letter of apology for sending my payment back without properly notifying me in writing. I was never late on any of my payment. I always pay ahead of due date.
I went to a XXXX school for my XXXX and had the opportunity to attend university abroad to obtain a XXXX. This option was more affordable than to stay local and attend my same school so I took a Sallie Mae Loan. Sallie Mae unfortunately does n't offer income based enrolment programs so come 3 years after graduating with XXXX degrees, I found myself unemployed and {$180000.00} in student loan debt. 
But Sallie Mae was not understanding or accommodateing. In fact, they have not only harrassed my mother and myself by calling 14 times a day each, they attacked my co-signer, my XXXX XXXX XXXX grandmother. They sent her to the hospital with an XXXX after calling her one Sunday, telling her that if she did not pay my balance of {$85000.00} within three days, they would take her home and social security. I am continually given false and misrepresented information from Sallie Mae representatives. I also came to find out the University in which I attended is no longer in existence. XXXX XXXX University XXXX. There are also class action cases against my school for misrepresentation. I am at a point where I do n't know what or who to turn to. Please help
This is unknown to me, I have disputed this. I do not have a 2016 medical bill owed. I would like to review my signed authorization for this bill.
Dear Sir or madam : I received a permanent HAMP modification agreement for a residential mortgage from sps Select Portfolio Servicing inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah, XXXX and completed my trial payments both timely and in full in XXXX. On XXXX/XXXX/XXXX I received the final modification agreement and on XXXX/XXXX/XXXX, I signed, dated, and notarized it, and I faxed and mailed it to SPS. I complied with the SPS requirement that SPS receive the modification as evidenced by the XXXX/XXXX/XXXX dated stamped copy of the first page of the modification. 
Since then I have continued to make my payments timely and in full. I also called SPS requently to check on the status of my modification approval, where I was told it was under review. At no time was I made aware that the modification agreement I submitted was in any way inadequate. I was shocked and dismayed to receive a XXXX/XXXX/XXXX Denial letter from SPS claiming that the modification was rejected for allegedly not returning the agreement by XXXX/XXXX/XXXX. There did seem to be an error made by the notary through no fault of my own and as soon as I was made aware of this, I immediately recent the agreement with the missing notary information. I have since been told by SPS on XXXX/XXXX/XXXX from speaking with XXXX XXXX of SPS that SPS now has the XXXX signed notarized and dated copies of the modification agreement that they require and that there was a good possibility that it would be approved. 

At no time prior to XXXX/XXXX/XXXX did SPS inform me that I needed to anything other than saying that the modification was under review. To be overly thorough, I have since faxed, overnight express mailed, and mailed postage pre-paid certified return receipt requested on XXXX/XXXX/XXXX yet another compliantly dated, signed, and notarized copy to SPS dated XXXX/XXXX/XXXX. 

In response to the SPS denial letter, I have a since written an appeal letter to SPS explaining and correcting any alleged deficiencies relative to this modication. At this time it is important to mention that SPS has accepted all of my forbearance payments of I believe {$2500.00} for the first XXXX trial period and now is accepting permanent loan modication payments in the amount of {$2500.00}. 

Also within the 30 day appeal time of the SPS XXXX/XXXX/XXXX denial of modification letter, I have even sent SPS yet another completely compliant signed, notarized, and XXXX/XXXX/XXXX dated copy of this modification agreement : faxed, express overnight mail XXXX sets of originals, and first class postage pre-paid, return receipt requested XXXX more sets of originals. 
In conclusion, this residential home mortgage modification account number ending in XXXX should be approved as the consumer has expended Herculean efforts to comply with the SPS requirements to meet approval. I have a son with special needs in the school district where we reside. I am a single Dad and both my son and I would be devasted if we were forced to move. 
Thank you XXXX XXXX
Loan issued by XXXX XX/XX/XXXX for {$5000.00} USD, payment plan of {$490.00} per month starting XX/XX/XXXX. Paid to date {$11000.00} with an balance of over {$27000.00} to date. Excessive interest rate well over 200 %, this company is exploiting low credit score & Poor American people in these outrageous over the interest rates. I have been struggling repaying this loan back and they have been paid over 100 % to date. I seen an news report on my local TV station XXXX XXXX in XXXX XXXX XXXX XXXX about companies like this. Our current rental market is beyond ridiculous and to struggle to pay this loan will be the death of me. Loan currently has an XX/XX/XXXX payoff date. At this rate I still have a balance of {$27000.00} ( breakdown 56 months at {$490.00} ) this should be an illegal practice. Can you please help me?
THERE IS A RECENT COLLECTION ON MY CREDIT REPORT REPORTING TO EQUIFAX FROM A XXXX XXXX XXXX XXXX WHICH IS FROM A MEDICAL OFFICE IN XXXX ALABAMA FOR XXXX, FIRST I MUST SAY I HAVENT LIVED IN ALABAMA IN YEARS. I THINK T MAY BE FOR MY DAUGHTER .I HAVE TRIED TO CONTACT THIS COMPANY FOR 2 WEEKS AND I GET A RECORDING, I HAVE LEFT MY NAME AND NUMBER AND NO RETURN CALL. THE DATE OF SERVICE IS XX/XX/XXXX. THIS IS NOT MY DEBT I HAVENT RESIDED IN ALABAMA SINCE XX/XX/XXXX. I AM DISPUTING THIS DEBT AS FRAUD NOT MINE PLEASE SEE ATTACHED POLICE REPORT ON FILE FROM XX/XX/XXXX WHERE I REPORTED IDENITY THEFT IN TH STATE OF ALABAMA PLEASE REMOVE.
I opened an account with Wells Fargo only to retrieve cashers ' checks to move into my new place from XXXX to XXXX XXXX XXXX. I opened the account with {$50.00}. The personal banker XXXX XXXX on XXXX XXXX XXXX XXXX never read a disclosure or informed me that a hard inquiry on my credit was going to be pulled. I signed some electric pin pad that I assumed was just to sign for the checking account. XXXX points were taken from my FICO score. 
Since opening the account, I have learned that I have a checking and savings account with a secure credit line, and there is a {$6.00} fee per month that was never disclosed to me until my husband was put on the account. I NEVER asked for these services, I wanted a simple checking account to get cashiers ' checks from my main online bank that I do business with. This account was supposed to be mainly for my husband on the account, for when he moved here. I called XXXX XXXX XXXX times to explain the situation, with no follow up. He stated he would talk with the branch manager. I called XXXX other times and left messages with no result. All I want to do is close my account. All that should have been checked is check systems ; my credit should never have been pulled. I feel I was tricked and deceived.
On XX/XX/XXXX, I received a call from ( XXXX ) XXXX from XXXX XXXX regarding some documents that she tried to deliver to a place local car dealership where I purchased a car some time ago. She was rude, threatening and unprofessional so I wanted to report her. She gave me a case number, a local phone number ( XXXX ) XXXX and told me I had a lawsuit pending regarding a {$10000.00} credit card balance from XX/XX/XXXX they claimed I did not pay. They said they sent notices which I never received. They said they tried to deliver documents that there never delivered. I decided I was dedicating my day TODAY to filing complaints on XXXX from this so-called " 3rd party '' agent. As I was browsing on the internet for information, I found many complaints against XXXX XXXX from the state of California. Local number ( XXXX ) XXXX is NOT a working number today. At XXXX XXXX refuses to give me their local address or allow me to speak to the owner or Managing Director at ( XXXX ) XXXX.
Several debtors trying to collect debts for claimed medical related debt but I did not receive any information via mail confirming I could dispute the debt nor has my written request for additional information resulted in the requested documentation from the debtor to provided detailed proof debt owed. I have not made any form of payment or payment arrangement ( due to unknown charges ) in well over XXXX-4+ years however the debtor is also reflecting the account/charges were just recently opened 5 months ago?
I keep disputing an open collection account from XXXX XXXX. I have contacted this company and Experian to remove this negative information from my credit report and they say they investigated the matter and it just keeps appearing after 3 years. It is also showing on my idenity guard account.
Please require TransUnion to delete the items on my credit report, as TransUnion has not fulfilled their obligation to verify the accounts according to the FCRA. 

I have tried disputing inaccurate information on my credit report and TransUnion has refused and failed to conduct a proper investigation. I sent dispute letters in XX/XX/2018 and sent reinvestigation letters in XX/XX/2018 and XX/XX/2018. TransUnion has had a total of 90 days to investigate the inaccuracies and update my credit report, but they have failed to do so, and the FCRA now requires the items be removed. 

During the investigation process, the collection agencies sent me the records they have on file, which all included incorrect payment histories and the most blatant error was an account that is not in my name. 

Together with my reinvestigation letter, I enclosed a copy of my driver 's license and the collection agency 's record showing the account is in a different last name, but TransUnion still came back and said that the account has been verified as accurate. It's as if the people who are processing these disputes aren't even reading the letters or looking at the contents inside of the envelope! 

On XX/XX/XXXX, I mailed my final certified letter to the TransUnion Legal Department requesting that they delete the accounts on the grounds that they did not conduct a reasonable investigation within 30 days. The certified mail tracking number is XXXX. It was delivered on XX/XX/2018. 

I have attached the XX/XX/2018 letter and the proof that one of these accounts is in the wrong last name. 

Please demand that TransUnion uphold their obligation to delete these items from my credit report.
XXXX XXXX XXXX XXXX ON IS REPORTING ACCOUNT ERRONEOUSLY I HAVE SPENT XXXX SO FAR TRYING TO GET THIS OFF MY REPORTS
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2018 is being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate an INVESTIGATION into XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your INVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your INVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the INVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. 

Very Respectfully, XXXX XXXX
First, we tried to resolve the subject dispute with citicards, the credit card issuer for several months, and could not resolve the issue. 
Briefly, we are disputing a charge on our credit card for a purchase where we did not receive the services we purchased. 
We have provided our explanation and related documents to show how the services we purchased were not provided by the merchant, to citicards, during the course of the dispute process. 
Unfortunately, citicards refused to direct our complaints and documents to the relevant merchant and demand an explanation from the merchant regarding our claim. Or, if citicards indeed have communicated with the merchant regarding this complaint, they have failed to provide that communication to us. 
The issue here is that : Does a credit card issuer such as citicards, have a fiduciary duty to ensure that the charges on a cardholder 's account are legitimate and products and services purchased using their credit cards are actually provided. And, what are the responsibilities that a credit card issuer has when a charge becomes illegitimate and products and services are not provided by the relevant merchant?
I previously had a student loan account that was managed by Navient. I had the loan re-financed XX/XX/XXXX by a new student loan company, XXXX. The loan pay off amount in XX/XX/XXXX was {$21000.00}. 

Now, Navient shows that I still have an outstanding balance of {$910.00}. Navient has continued to charge interest on my account but never notified me that the loan was underfunded. It is clear that Navient benefits from underfunding consumers loans as they then are able to continue charging interest against the consumer. Interest charged is at a rate of 6.8 %. The due date for the outstanding balance is XX/XX/XXXX. 

I contacted Navient to request information. Navient is blaming XXXX as at fault for not fully funding the loan. However ; my argument is that Navient has knowledge of an underfunded loan ; XXXX would not be aware of any outstanding amount. They stated that the due date on the loan is in the year XX/XX/XXXX so they were not notifying me until nearer that date. Navient failed to address my concerns and rather told me to contact the U.S. Department of Education. 

I am filing a formal complaint because Navient is benefiting from failing to inform consumers when a loan is under funded. I am likely not the only consumer that has had such an experience.
I have had a credit card with US Bank for two years. On XXXX XXXX, XXXX I changed checking accounts, and updated my online autopay settings with US Bank to reflect my new account number. For some reason the US Bank website did not register this change. On XXXX XXXX I realized that US Bank had not realized that US Bank had not registered the change, and that my account was overdue. After numerous conversations with customer service representatives, I was assured autopay was successfully set up. On XXXX XXXX, XXXX, I received a letter dated XXXX XXXX, XXXX, that my account was past due despite having set up autopay a mouth earlier. After numerous conversations with customer service representatives I was informed the autopay can take " XXXX to XXXX cycles '' to take effect. I was not informed of this during the initial setup of autopay. While I specifically asked for confirmation for autopay, which US Bank apparently does not provide. 

US Bank has reported a late payment on my credit report, which I have attempted to have removed. As of now US Bank has not done so. 

Thank you for your help regarding this issue.
I have XXXX Stafford loans being serviced by Navient. These are my highest interest loans of all my student loans, so I have been paying extra money towards them in order to pay them off more quickly. On the navient website, when you pay extra, it gives you the option to select whether or not to advance your due date, just as every other loan servicer I have ever dealt with. I always select NOT to advance my due date and have the extra simply go towards the principle, however, they have been advancing my due date nonetheless- meaning that they have NOT been putting the extra money simply towards principle as I had intended, but using it as simply a payment towards the extra due date. Thus, they 've been making more money off of interest payments by not allowing me to pay down my principle as quickly as I have been trying. When I emailed them about this, their response was as follows " ... Please note that each payment received will advance the due date by one month if it equals the minimum due, even if you request to not advance the due date, but it wo n't advance the due date more than one month. If you select online to not advance your due date and do n't want it advanced by the one month that it will automatically advance, then you will need to send us an email after each payment is submitted with your specific payment instructions ... '' I find this extremely misleading, and purposefully so. I also feel they are making this process much more difficult then it needs to be. I have several student loans, serviced by several other large lenders ( XXXX, XXXX, etc ), and none of them are this complicated.