WillisBack/dataset-financial-user-claim huggingface dataset:
I have been working with a NACA Mortgage Counselor since XX/XX/XXXX. They promote themselves as not relying on your credit score which is a complete fabrication. What do they think a credit score is comprised of ... well it's payment history ... payment behavior!! I knew going into this that I had late payments and some collections. However, the misguided  instructions I have followed have left me worse off that where I began. I was told I needed to pay off my auto loans because of the late payments. If the accounts were paid in full with documentation provided. He would send my file over to underwriting. I spent {$20000.00} paying off my auto loans in order to move forward in the mortgage process. Then around XX/XX/XXXX, I was told I needed to pay off three collection accounts before my file could be sent to underwriting. These are the same collection items that were on my credit report Day 1. I paid one of them off and sent documentation regarding the others. As of XX/XX/XXXX, the " Reviewer '' not underwriter said I would need to wait 6 months to show good payment history. Well what about alternative forms of credit ... ie. utilities, phone, cable, internet, car insurance, etc. They never once mentioned this and he told me that my rental payment history couldn't be used because " we can not do that in our program ''. Really that's not what's in their Home Buyer 's Workbook. I'm no out money that could've been used for a down payment on a traditional mortgage. I put in a notice with my landlord for XX/XX/XXXX because I completed at the end of XX/XX/XXXX what I was asked to do in order for my file to move forward to underwriting.
XXXX XXXX XXXX card issued by XXXX Bank. I paid my balance in full and closed the card. Now they are hitting me with phony late charges and the account is still open.
Since XX/XX/XXXX I have requested to the financial institution a letter of pay off. They have said that they have sent the letter since that day. And today I called to reassure of the letter and they do not want to send me the letter by email. They are saying that they have sent the letter by mail. To me it is very important to have this letter in my possession that states that I owe nothing to Westlake Financial and to make sure that the balance is XXXX in my account. So it can be reported to the credit bureau. Today I received a Marshall to reposes the vehicle. Which I understand is incorrect. This case me XXXX because Westlake is not working on the right way. The first thing they had to send that letter it was me. The person that I spoke today of the compliance dealer told me that they had nothing to do with that. When as of right now I do not have any evidence that in reality the dealership repurchased the contract for the vehicle.
EXPERIAN I attached a screen shot trying to dispute XXXX items. The game they play is that if you ever questioned or disputed an account, like 5 years ago. The erroneously claim sanctuary and that they do n't have to validate the information. Please FINE them as much as possible 1- the first item is XXXX XXXX XXXX this loan was transferred XXXX, also listed on my report. the last payment made was in 2008 and the XXXX needs to be deleted as it is over 7.5 years since last payment. What EXPERIAN is trying to do is not acknowledge the transfer and showing it as a new account. NO sir/madam, FCRA does n't allow that. just because XXXX XXXX decides to transfer an account, does n't mean the history gets to start all over again. 

2-XXXX, this really irriates me, Experian Reports {$7000.00}, this account was either sold off or transferred but, I do know they received a large check from the court. Delete the entire history but, you ca n't continue to report a number that is false. I paid the BK court {$60000.00}, no way am I going to allow false and vindictive reporting to continue
Disputed incorrect information through three credit reporting agencies and creditor, XXXX continuously reported back more incorrect dates and balances on a charged off account. Date of first delinquency was in XXXX. XXXX is reporting this now as if this was charged off in XXXX, XXXX, XXXX. In some places reporting payment history which did not occur or reporting continuous billing of interest charges on a charged off account. 

THIS CHARGED OFF COLLECTION ACCOUNT WAS INCLUDED IN MY DEBTOR LIST AND LIST OF DEBTS DURING FILING IN XX/XX/XXXX OF BANKRUPTCY WHICH WAS DISCHARGED IN COURT IN XX/XX/XXXX XXXX keeps violating FCRA policy by misreporting and advancing dates intentionally re-aging this debt and extending the time reported negatively on credit file. 

In addition, this item was a private loan, charged off collection account. Not a federal student loan. I was able to work out terms on my federa loans but no options were available on the private loan that has bounced from collector to collector incurring {$40000.00} in interest charges. I can not get XXXX to verify the date of first delinquency which occurred in XXXX. They keep reporting different dates.
My bankrupcty was dismiss XX/XX/2016 all creditors were paid by me XXXX removed this from my report. I am disputing this again. it should be removed since it was cancelled and creditors paid
XXXX XXXX offered me a {$20.00} discount on my {$330.00} in store purchase if I applied for their credit card. I applied and the discount was not taken on my purchase. I asked that the application be stopped but the salesperson said it was too late. She said I would receive a check for {$20.00} in the mail in the next weeks. A month later and still no check. I called barclays who said I would n't be receiving any points until I made more significant purchases! I asked them to take the card off my credit report and they refused. Please help.
I have attempted to reach out to Citibank a few times in regards to an identity theft issue. I have never opened an account with them, nor have they sent me a credit card statement. The only thing that I have received from them in the last few months is multiple offers for new lines of credit. Their negligence in regards to this matter has caused me major XXXX and XXXX. This is my last resort. I will be going to legal counsel this next week if this is not resolved. I also wanted to forward this over to the CFPB for investigation on your end. I live at a home that I have owned for the past few years. I find that Citibank has acted in complete negligence or with fraudulent intent if I have not received any information in regards to a matter that I have local law enforcement looking into. Citibank tried to blame this on the local post office. The post office actually contacted me in regards to this to indicate that they have investigated the matter and found that no one is forwarding my mail to another address or anything that they can control. The local police department reached out to me and are currently investigating this crime that has been committed against me. What does Citibank do? They call me twice. Once to try and sell me a " credit monitoring package '' which I am not interested in. Why would I want someone who obviously ca n't figure out how to issue a line of credit to the correct person in the first place monitoring my credit? The second call was at XXXX XXXX in the evening when I was trying to navigate on a road that I was unfamiliar with in TN. I had to disconnect the call. I spoke with some gentleman anothe time and he said that someone would get back to me. No one ever did. Overall my complaint is 1. I never took opened a line of credit with this company. I filed a police report. They do not want to acknowledge this. This was caught by other lenders XXXX XXXX ( who I had an account with previously ) and XXXX and they decided not to issue the line of credit. 2. Absolutely no one will call me back in regards to this. 3. From everything else that has gone on with other companies, I have no other believe than that someone internally over at Citibank opened a line of credit under my name and they are refusing to acknowledge this. This is hurting my overall XXXX XXXX by over XXXX points. I either need your assistance or need to contact an attorney to litigate this matter. Please help me CFPB. Thank you for your time and my apologies in regards to the long message on this.
I should not have to pay money to freeze my credit due to Equifax 's egregious error. Because of Equifax 's fault, I 'm now on the hook for the money to freeze my credit with the reporting agencies.
Received a title loan which wasn't properly explained and I didn't understand the terms and now I owe much more and they call constantly to collect money with additional fees and interest that I didn't agree to. I would like to pay off the debt, but I am unemployed and looking for work. I will soon have a job and would like to keep my car for work purposes. I am willing to discuss payment arrangements.
The caller identified herself as a XXXX XXXX and called in regards to an " order ''. But when I returned the call, she identified herself as working with a law firm and that she represented XXXX XXXX and that she was going to serve the warrant to my place of employment. She also mentioned my vehicle make & model and year and stated that she was confiscating this for collateral? XXXX also mentioned that the call was recorded and that the " judge '' was going to listen to the recording. She would not allow me to communicate what so ever. So, for the 10 time to stop harassing me calling my employer? They will not stop!
Re : XXXX Account number : XXXX In regards to this creditor reporting my account 30 days past due. This is very much inaccurate. 
I have spoken with these illegal representative 5x in regards to maing sure my payments are automatically drafted from my Credit Card. 
and 5x, I have received 5 different responses of yes, no problem, to it is there, to I 'm not sure we can do that, to the last time of, Your card was charged already. 
I can not be more clear when I say this, you CRAs BETTER make sure you get this late mark off of my credit report, or I will be escalating this complaint to the Attorney General against you and XXXX!
Dear CFPB Staff, I contacted Equifax Credit Reporting Agency back on XXXX XXXX, 2017 to give them my new address and to request my free annual credit report. They then sent me a letter back saying I needed to send them a copy of my Utility Bill along with proper Identity documents showing who I am. This has been done. However, it 's now been over 60 days and I have yet to receive my annual credit report and check if there 's anything I need to correct.
In XX/XX/XXXX I took out a loan with XXXX XXXX dba XXXX for $ XXXX. Since then I have made all my payments on time that have not been sent to the Investor/Beneficiary XXXX, XXXX, XXXX XXXX, TRUSTEE, XXXX TRUST according to them. Recent cases have stated that the Trustee XXXX XXXX  must inform me in detail of all payments made since XX/XX/XXXX to my loan, including those from XXXX XXXX  XXXX XXXX XXXX. They has been misapplying my average payment for {$2000.00} usd per month and not posting the correct amount to Principal which leads me to believe this is all fraud on the Bankruptcy court. Sometimes they post {$540.00} to Principal and sometimes {$460.00} which is absurd. Also the charge me fees and costs which I know nothing about. I went through a divorce in XX/XX/XXXX and filed for Federal Bankruptcy Protection in XX/XX/XXXX and have made all my post petition payments as agreed since then, but they have posted them to my pre-petition payments which are being made directly by the Trustee. I request that the CFPB audit this loan asap.
Federal Law gives me the right to notify One West Bank/XXXX of errors regarding the servicing of my loans which resulted in the foreclosure of my property. The " ASSIGNMENT OF THE DEED OF TRUST '' a total of XXXX with number XXXX recorded in the XXXX XXXX County Recorders Office on these dates : XX/XX/2009 Doc # XXXX and XX/XX/2009 Doc # XXXX and XX/XX/2009 Doc # XXXX. These Assignments are " VOID '' as determined by the California XXXX Court case XXXX. I am requesting that OWBXXXX provide me with their accounting of this loan and copies of the Assignments.
Cfpb I am making a complaint about NAVIENT SOLUTIONS and they also have another name dep ed navient they are charging double interest which doesnt add up and is not agreed this is why I sent a dispute for inaccuracies it's not right under the fcra and violation of the statue of limitations. I will show proof as I upload documents. This must be removed due to fradulent increase of same amount and reporting inaccuracies of information. I also ask for proof of any promissory note and all original documents with my signature I have not recieved or gotten any proof of it.. I heard they have gotten Sued before because of this.. I am very unhappy about this situation and will do my best to proceed with litigation if theres no removal from this company I am ready bring it on I have all my documents to show in court if we have to take it that far my first step is to report to cfpb first before making any decision for litigation. 
Thanks cfpb
My mortgage company i Nation Star on XX/XX/2015 i mail a payment to Nation Star and they stated that they did not receive it so i XXXX XXXX another payment of XXXX so that i would not be late with my mortgage doing the right thing the check came in on XXXX XXXX 2015 i put a stop payment on the wrong check from my bank so it went through, i XXXX XXXX on the XX/XX/2015 i have request several times for a refund from this mortgage company to give my XXXX back and has been denied. i have been getting the run around saying that they are trying to help they are not trying to help they tell you what you want to hear on the phone and when you call back to fallow up your request has been denied how do you just take my money.. i would like to know where i can go to take legal action if this does not get resolve i have been going though this for months with these people all they do is lie
I have applied for a loan modification on XXXX. I was told to apply and had to reapply my application 4 times the same application for one purpose a mortgage a modification. After 5 months I have received a letter from Chase Bank Mortgage servicer dated XX/XX/XXXX stating that I denied. I need detailed information for the reason my application for loan modification was denied for. Now I 'm facing Foreclosure on my home I 've lived in for more than 10 years.
I attempted to contact the person by the name of  XXXX  regarding a debt we were disputing and wanting more information before making payments related to an account from the hospital that I informed the collector that we had not received. The rep spoke rudely to me and threatened to take action and stated that I was refusing to pay the account since I would not commit to a payment plan. She also states that she sent them to me, I informed her again that I did not receive it and she would not agree to send me another copy of that. She just told me to contact the hospital. In addition I am deeply concerned that the collector is not taking action to verify my identity when calling such as verifying my date of birth or other verifying information to ensure they are not releasing information to an unauthorized party. They have never done this. In addition they have been reluctant to work with me in the past and continue to call me while I am at work.
XXXX is charging for time usage on cellular numbers not used. I have disputed this several times, yet they do not send me documentation to back this debt because there isnt. How can I owe money when I didnt use their service.
I have never even heard of XXXX From Rhode Island before, and yet they have withdrawn {$39.00} from my prepaid debit XXXX card on multiple occasions! Most recently on XX/XX/XXXX at XXXX. Not only have they withdrawn this random amount multiple times, but they have also attempted to authorize my crd for that same amount EVERY SINGLE DAY, SOMETIMES TWICE A DAY, since XX/XX/XXXX!!!! I'm glad I dont have that much money on this card and the authorization was obviously declined several times because THEY ALREADY TOOK ALL MY MONEY!!! I DO have my monthly statements to show this and I also am enrolled in the XXXX XXXX XXXX program so that they text me EVERY SINGLE time they either took my money or attempted to take my money!!! I tried calling the XXXX number they provide on their website ( no other info is on their site except for their number .... ) And repeatedly got a lady with a XXXX accent saying that they were closed!!!! So I XXXX the company to see if anybody else has experienced the same thing from this company, and their are SEVERAL people getting scammed by this company!!!!
I am following up on my previous complaint XXXX-XXXX. 

This case was closed without any resolution or official response from Wells Fargo Bank. 

My claim of fraud regarding the refinance of mortgage with Wells Fargo is valid and legitimate and I need an official written response to my claim. 

Wells Fargo has failed to provide this and will now return my phone calls. 

Thank you in advance for your assistance!
On XX/XX/2017 the US Bank branch manager, XXXX XXXX, refused me service. Although she claimed it was for not presenting valid identification, in reality it was because of my general appearance which she automatically interpreted as " homeless '' XXXX street clothes and a book bag. Evidently, " her '' bank automatically refuses services to anyone who appears or fits the description as " homeless ''. XXXX did n't know and did n't care that I 'm a XXXX who works to pay her own bills for her own apartment. She probably does not care that I will neither recommend nor refer any of my friends to the bank. XXXX has no place casting judgment onto anyone because she 's a XXXX XXXX in the banking industry who catches enough grief from everyone with whom she encounters.
Purchased one office chair in XXXX. XXXX sent two, then issued XXXX return. I got confirmation that they received return. However, they recharged me in XXXX for another chair. I had paid for the chair I bought, but their internal investigation keeps saying that my bill, now accumulating late charges for months, is correct. I got one chair and paid for it, but I am still Being reported as delinquent. The bank behind it, XXXX, sent me a letter stating that the investigation was closed and they were right. Please help.
***This is my 2nd complaint against M & T bank for deceptive mortgage practices On XXXX XXXX, XXXX I filed for Chapter XXXX bankruptcy and surrendered my house located at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX as part of the bankruptcy. The mortgage was held by XXXX Bank. My mortgage with XXXX XXXX XXXX in the amount of {$150000.00}, Account # XXXX, was discharge in Chapter XXXX bankruptcy on XXXX XXXX, XXXX. The amount was reduce to zero and I am no longer financially responsible for the mortgage. On XXXX XXXX, XXXX, after the mortgage was discharged and I was no longer financially response for the mortgage, XXXX Bank transferred the mortgage to M & T Bank. After that date I started receiving calls from M & T Bank / XXXX XXXX XXXX that I need to make payments on the mortgage to them. I filed a complaint with Consumer Financial Protection regarding M & T Bank / XXXX XXXX XXXX. M & T responded that I was correct, the loan had been discharged in bankruptcy, and I was no longer response for the loan. On XXXX XXXX, XXXX I received a XXXX from M & T bank showing cancellation of debt in the amount of {$150000.00}, and a XXXX.However, since the debt was discharge in bankruptcy on XXXX XXXX, XXXX, no actual debt was transferred to M & T and I should not have received a XXXX. M & T need to correct their mistake. I have attached the following : copy of the XXXX & XXXX, response from M & T on XXXX XXXX, XXXX regarding my previous complaint, Florida assignment of mortgage document showing mortgage was transferred from XXXX to M & T after bankruptcy discharge, Schedule D from my bankruptcy documents showing the XXXX mortgage was included in the bankruptcy, page from the bankruptcy showing that the property a XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX was surrendered in bankruptcy, my bankruptcy discharge document dated XXXX XXXX, XXXX, letter from the bankruptcy showing that I completed all payments on my bankruptcy plan & the bankruptcy trustee 's report of receipts and disbursments.
Checked my rate online at XXXX for a payday loan of {$800.00}. It didn't show me a rate, but instead started a whole application. I was contacted by XXXX   who had me send in a copy of my bank statement and license.

I didn't recieve a truth in lending disclosure at the time until the funds were sent. The APR is over 400 % and violates North Carolina laws.

Luckily, they said I had three days to cancel the loan, and I did so on XX/XX/XXXX by emailing my loan officer named XXXX.

I didn't get a response.

I would like to get this toxic loan canceled ASAP.
I have recently sent in a request to Equifax to investigate a fraud issue, however the account that is no longer supposed to be on my report is ( XXXX XXXX XXXX ). This account is showing as reported/ active as a credit card by Equifax which is incorrect. 

Moreover, XXXX has the fraudulent company ( XXXX ) also still showing on my report as a hard inquiry.
This is showing as derogatory on my XXXX credit report. I have disputed this issue and had this removed from other credit reports. The account is not derogatory. 
XXXX XXXX XXXX XXXX XXXX - BUREAU ACCOUNT DESIGNATOR individual DATE OPEN XX/XX/2010 HIGH LIMIT - MONTHLY PAYMENT XXXX ACCOUNT BALANCE XXXX LAST REPORTED - ACCOUNT STATUS 120+ days past due AMOUNT PAST DUE {$1400.00} Derogatory Contact Info : name : : XXXX XXXX XXXX XXXX address : : XXXXXXXX XXXX XXXXXXXX XXXX XXXX LA XXXX phone : : XXXX
On XX/XX/17 I applied for a loan with the above mentioned company and before applying I was never advised of what interest rates would be. Once I applied and was approved I was told that my {$400.00} loan would be {$110.00} but I was never informed that it was biweekly as opposed to a month. I still, do not have any documentation from the company with the interest rates.
All accounts with XXXX should be deleted. I have attached the XXXX forms fro all my XXXX accounts. 

By law accounts given XXXX can not be reported on a credit report negatively. 

Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCredit Card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$10000.00} written off. 
Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX  Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$7600.00} written off. 
Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX  Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$3500.00} written off. 
Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$26000.00} written off. 
Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$4900.00} written off.

Status Updated XX/XX/XXXX