WillisBack/dataset-financial-user-claim huggingface dataset:
I was trying to resolve a dispute with Navy Federal Credit Union regarding a mortgage modification I never received the benefit of. They hired some lawfirm that claimed they did n't have to go to court to foreclose. They filed a bunch of papers with a trustee who was gon na auction off my house with no court proceeding. How is this possible? 
So I got my own attorney and had to do a Chapter XXXX bankruptcy. I mailed a check into Navy Federal for my mortgage payment and it came back to me in the mail. My lawyer told me I have to make payments to them directly even while I make my plan payments. I have called XXXX TIMES since trying to find out and all they 'll say is " ma'am you 're bankrupt now, we ca n't help you. " I know I 'm bankrupt but it 's only cause they were going to throw me out of my home without giving me a day in court. Bankruptcy was the only way for me to access the court system. I think it should be unlawful for them not to take my bankruptcy payments. XXXX rep said they 'd " just be back after the house once my case was over. '' HUH??? I 'm trying to pay my mortgage off!!!
Checked my credit report and found there was a hard inquiry for XXXX that I did not authorize. I did not apply for ANY credit on XX/XX/XXXX. This is being reported at XXXX of XXXX credit agency.
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
XXXX  XXXX XXXX became aware of several unauthorized charges. I spoke directly with a Discover employee and explained why charge with XXXX XXXX, of XXXX was not authorized. The employee told me he would not investigate the dispute after one letter from XXXX XXXX of XXXX which contained fraudulent documents which Discover was aware of last XXXX has not disputed nor followed its Cardholder Member Agreement. I filed a prior Complaint with your Agency and the Discover reply was not factual accurate and did not include detailed letters I submitted to Discover which did not lead to a Discover fraud and security investigation and should have. I discussed this with an XXXX at Discover as I had always made the required minimum payment, but recently wrote him to suggest my minimum payment be placed in escrow as the minimum payment pursuant to the Cardholder Agreement is 2 % of the account balance, which is inaccurate because of the {$3600.00} unauthorized purchase at XXXX XXXX of XXXX. Rather than the Discover XXXX reply to my suggestion that we put my minimum monthly payment in escrow, as every other payment had been made timely, Discover arbitrarily and capriciously reported my account as derogatory to the Credit Reporting Agencies. Also the Customer Agreement with Discover provides for a procedure for " Your Rights If You Are Dissatisfied With your Credit Card Purchase '' providing I may have the right not to pay the remaining amount due on the purchase. I discussed this with the XXXX at Discover, XXXX XXXX, as he had previously told me Discover had a third party agency to handle these matters when Discover Card Holders are not happy with their purchase. I told him I was not happy with the purchase of the XXXX XXXX XXXX made at XXXX XXXX XXXX XXXX on XX/XX/XXXX, attempted to work it out with the merchant and was not successful. XXXX XXXX told me on XX/XX/XXXX Discover no longer has this policy, and stopped it in XXXX. I have only been a Discover XXXX XXXX since XXXX and my Customer XXXX clearly states the policy, so he was dishonest with me. Further, for no basis whatsoever Discover refused to reissue me a replacement card, after their were unauthorized purchases, which Discover investigated and agreed with me they were all, but the XXXX with XXXX XXXX not authorized. The XXXX XXXX XXXX, even wrote me a personal letter telling me his opinion I was a Cardholder in good standing with Discover. In fact many employees of the Discover Fraud and Security Staff directly told me their opinion my Cardholder status should not be restricted, and I even received a letter from Discover after this telling me I was going to be receiving a new card which I could activate and use as I had available monies on my Credit Limit with Discover. I received the Card but could never activate it.
I recently sent in a letter disputing various items on my Equifax Credit report in XX/XX/XXXX and did not receieve a response within the 30 days of XXXX recieving my disputes. Furthermore I recieved correspondence XX/XX/XXXX ignoring my previous disputes. I am requesting that my XXXX Credit Report Reflect Accurate Information and the disputed items listed per the attached document be deleted immediately.
To Whom It May Concern : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
Those item include XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) Transunion has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the XXXX  couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable.Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is an insult Thank you. 
XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX SOC SEC # XXXX DOB XX/XX/XXXX
I am writing to express my concern with a letter from Wells Fargo Home Mortgage and subsequent phone call today with an Wells Fargo Home Mortgage agent ( XXXX ) regarding the possible removal of PMI on my mortgage account. In early XX/XX/2018, I inquired about the ways to remove PMI from my monthly payment. I was given 2 options over the phone and similar option when reviewing online. A few weeks later, I got a letter dated XX/XX/2018. In this letter I was given a third option for a Broker Price Opinion ( BPO ) that would satisfy the PMI removal request as long as the home value came in high enough. The letter I received simply states that the process involves measurements and photos of the property to assist with current market information to provide a new estimate for the home. When I called Wells Fargo today ( XX/XX/2018 ), I asked for clarity on this option. At that point, XXXX indicated that a structural upgrade would be required and must have been completed before the BPO assessment. Had I not called today, I would have simply followed the  instruction on this letter and had been out the non-refundable {$200.00} that was the last condition indicated in the letter. I feel this is unbelievably deceptive. A reasonable person should not have to call to double check on something like this, when the disclosures appear to be clear in the letter provided by a financial institution. How many other people are sending in their money for no reason?
I have been working with XXXX for over 3 years. My auto loan is at a rateof 24 percent. The phone calls are relentless beginning at XXXX daily. I am trying my best withthese people but nnothing is good enough. I am exhausted due to their overwhelming phone calls.
I was working in XX/XX/XXXX and taking online Medical Billing. I lost my job due to an XXXX in XX/XX/XXXX, I was unemployed and asked XXXX XXXX/XXXX for a unemployment deferment. It was repaid in full once I received my XXXX and money from an inheritance. It is still on my credit report 5 years later. 

I was receiving the bills for this person 's loan and was harassed on the phone by XXXX for payment. 


General Correspondence & Submitting Documents XXXX XXXX. XXXX XXXX XXXX, PA XXXX Or Fax Documents U.S. : XXXX or International : XXXX Please include a cover sheet with your name and account number on all faxed documents. 

XXXX ________________________________________ Thank you for contacting the XXXX XXXX XXXX XXXX. We created case # XXXX to track your inquiry. Below is information relating to the case. A customer service representative will provide assistance within 2 business days. 
For general information please review our Frequently Asked Questions. 

Customer By CSS Email ( XXXX XXXX XXXX ) ( XX/XX/XXXX XXXX XXXX ) XXXX Attached Message From [ link removed ] To [ link removed ] Subject Re : Your Federal Direct Loan Disclosure Statement Date Sun, XX/XX/XXXX XXXX XXXX Please contact this person at his home address. 


I am not responsible for this bills Your XXXX XXXX disclosure statement is available on our secure [ link removed ] Web site. You will need your XXXX ID to log in. If you do not have an XXXX ID, you may obtain one on the [ link removed ] Web site.

To view your disclosure statement, log in to [ link removed ] and print or save a copy for your records. 

Your disclosure statement provides information about your student loan. It is important to keep all correspondence in a safe location for future reference. Your disclosure statement will be available for you to retrieve for a limited time. Therefore, we encourage you to take the time now to retrieve your copy. 

Your school will tell you what loans, if any, you are eligible to receive. If you have questions regarding your loan eligibility, the next steps in the processing of your loan, when the loan will be disbursed ( paid out ), or no longer wish to receive the loan, contact your school 's financial aid office. 

After the first disbursement of your loan has been made, your loan will be assigned to a loan servicer. Your loan servicer will contact you and provide their name and contact information. Your servicer will service, answer questions about and process payments on your loan. 

To view the list of servicers and their contact information, select the " Additional Information '' link on the " Contact Us '' page of XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Do not reply directly to this email. 
If you wish to contact us, email [ link removed ]. 

Connect with us : Subject : StudentLoans - General Questions Case Type : XXXX General Inquiry Date Created : XX/XX/XXXX XXXX XXXX Last Updated : XX/XX/XXXX XXXX XXXX  Status : Open omplaint. 
ID FOR COMPLAINT SENT TO XXXX XXXX
I had set up a direct payment of monthly mortgage from my brokerage account. OCwen was pulling payment from the account. I moved the brokerage account and set up an auto payment EFT TO Ocwen. They did not stop trying to pull from the old account after being notified of the new account. The mortgage was being paid from the new account but now they have put a restriction on the mortgage and want payment by bank check or money order EVEN thought the mortgage has been paid each month on time from the new account. Ca n't get it resolved with there " customer service ''. Frustrating
I had a check come through my account on the evening of XXXX. When I checked my account on XXXX/XXXX/16, it showed the check had arrived, at XXXX which point I deposited enough money to cover the check. At XXXX at XXXX I received a insufficient Funds from the bank charging me a {$35.00} fee and making my account over drawn. I am requesting the bank stop charging fees when money was put in the account in a timely fashion to cover the check. every consumer knows this is a ploy banks use to make money off the consumer. Please assist me in stopping Wells Fargo Bank from charging my account illegally.
Went onto XXXX and tried to get my Experian report. Kept failing to load. even Experian is n't coming up.
I have an account with chase that has been at 29.99 % since they took over my account in 2007. Every Time I call they just tell me that 29.99 % is the best rate they have to offer. I do n't understand how that can be true if 29.99 % is their default rate. I been trying to work with them they say they will review my accounts in 6 months. six months passes and its the same thing, I get no results and just the run around from them. I need some one to do something about this.
Dear Bayview I am continuing modification process from prior servicer XXXX 
I am concerned as to if there is a sale date or not, as conflicting information is being received. 
The trustees confirmed the sale date is suspended on the record. 
I received different information from Bayview. 
I want to keep my home. 
If you would assist me in making sure all parties have the same information Bayview XXXX XXXX Company Bayview stating I must sign a new assistance form with Bayview before modification can be complete- I received form XXXX/XXXX/2017. 
Bayview letter stated if there was a modification in review with prior servicer - the modification would continue. 
Has Bayview received mortgage records from XXXX XXXX XXXX. 
I am confused on the process at this time receiving conflicting information. 
Would you confirm if prior servicer has forwarded a complete file I appreciate your time greatly
I obtained a loan in the amount of {$320.00} from XXXX XXXX XXXX at XXXX XXXX, LA. I called on Friday XX/XX/2018 inquiring of repayment options. I appeared before them at approximately XXXX XXXX the following day to submit the partial payment for the " buy-down '' option and I was told that for that option, they would only accept cash although this was not told to me previously and for the loan I had originally received a cheque anyhow. The procedure was misrepresented by-phone. Incidentally, since I was on my lunch break, I left because I had to return to work. I checked my account balance via ATM on Mon-Tues the following week and assumed that XXXX XXXX had obtained their money. 
I began receiving phone calls. The phone calls persisted for several days. Each time I received a call, they hung up. I deem the " calling-and-hanging-up '' behaviour as harassment. I have not received any other type of communication to-date. While FDCPA does not provide an exact number of phone calls to be considered, it is common sense that calling and hanging up repeatedly, sometimes before anyone can answer the phone is undoubtedly harassment. Under that premise, my consumer rights are being violated under FDCPA, which hold that a creditor may not behave abusively in an effort to collect a debt.
Debt owed to the collection agency has been paid in full and the credit agency us still showing balances and open accounts
For years, I have had a XXXX Rewards Program credit card through XXXX. Many months ago I received notification that the rewards program is being discontinued and that another bank - First National Bank of Omaha - will be issuing a new credit card. 
I recently received a letter stating that my XXXX XXXX Card will be invalid as of XX/XX/XXXX and that reward points will remain until XX/XX/XXXX. 
Here 's my complaint and problem : I plan to use the reward before XX/XX/XXXX, but I do not want another credit card issued ; i do n't need an additional credit card. The Are Lingus Rewards card was requested specifically for the rewards. 
So, I contacted First National Bank of Omaha and told them what was mentioned above. They were n't sure if i would lose points if the transfer was n't accepted. 
I then contacted XXXX. They informed me that if i cancelled the XXXX XXXX card, my points would be lost, but if i rejected the First National Omaha card, the points would still carry over. 
I then called First National Bank of Omaha again saying i do not wan t their card issued. They told me XXXX ( XXXX XXXX ) has to deal with it. If I cancel the XXXX XXXX card lose all my accumulated points. 
Am I forced to accept a card i do n't want issued, one I did not apply for? 
Like many people i have multitude credit cards ; I do not need or want another one. 
Please let me know what i should do. 
Over the years I have cancelled store cards and credit cards, yet they still are listed on my credit reports. I DO NOT want another card issued. 
Thank you.
It appears that I was not permitted to access my account because I asked for clarification of my credit score with Experian. On XX/XX/XXXX, I sent a request to Experian asking for clarification of their credit score because the score they provided my wife and me was approximately 50 points below that of other ratings, although all the ratings were high. Immediately afterwards I was not able to login to my account with Experien. Experian continued to send me notices that my account was being updated but I was still unable to login to my account although I was being charged for the account. I sent other email requests for assistance, none was given. Today XX/XX/XXXX, I talked with their customer support after holding for over an hour, then was transferred to their membership support and waited another hour on hold. I was told they had no answer as to why I could not login to my account but that I could cancel my previous account ( one I have had for approximately a decade ), and open a new account. They would cancel my old account. I asked that my old account be cancelled and they send me information about a new account, and they said they could not send me information about a new account. I asked to talk with a supervisor and waited on hold for nearly half an hour. She indicated they were moving to a new system but that should not have affected my account since I had not been moved as yet. I asked to offer a formal complaint about their services and she apparently took that down but when I asked would I receive a response, she did not indicate anything. For me this is the poorest customer service I have ever received, particularly for a long-standing client who was paying for the service with an automatic withdrawal. I hope you will look into their practices since Experian seems out of step with other credit ratings ( XXXX XXXX and XXXX XXXX ) while Experian was XXXX or so over several years. I am retired, have no debt, and receive a decent income from retirement sources and rental property. It appears that I was not permitted to access my account because I asked for clarification of my credit score.
My credit card company charged me the same fee for a cash advance XXXX times and refuses to credit the amount involved. They are charging me interest despite the fact that I have put the amounts in dispute. 
I have written letters, complained on their website and called many times without getting resolution.
I am a victim of identity theft and have been a victim of identity theft for quite some time. I have a fraudulent and unauthorized credit inquiry listed on my Equifax and XXXX credit report that do n't belong to me. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX, XXXX/XXXX/2017
I have disputed an account with all three credit bureaus repeatedly and reached out to XXXX XXXX XXXX  regarding debt validation of an account that is reported on my consumer credit report with XXXX Transunion, and XXXX No one has yet to validate this debt! 

Also, I have requested for XXXX to remove hard inquiries from my XXXX XXXX that I did not request as well as incorrect addresses which to date all still remain. This has been done by phone, fax, email, as well as mail.
There was a wire fee of {$15.00}. They shouldn't charge this when I did not get the incoming wire at a proper time. I have done wires at other banks that are much smaller and got the wire on time. 

It's unacceptable that Chase gave it to me so late. I needed to send the money. 

Not to mention when I called the local branch, they were not nice and basically gave me zero information even though they wasted many minutes of my time.
TransUnion is continuing to report my identical twin sisters information on my credit report. 
After removing information two accounts inaccurately reported. They refuse to remove the inquiries.
There is an issue with my Mortgage Lender, Pacific Union Financial, not paying my city taxes on time. In this most recent occurrence I reached out about two months back and faxed over the necessary paper work as I normally would but this payment was still never submitted to my cities collection office. I received a letter of delinquency from my city tax collector 's office notifying me of nonpayment and communicating that my estate is going to be advertised for nonpayment of taxes and this delinquency will be published in the XXXX XXXX XXXX. In additon a lean will be held on my property. After the bank neglected to resolve this issue following my submission of the delinquent balance via fax and receiving this notification I contacted the bank and requested this be handled right away. This request was submitted on XX/XX/XXXX. I was told it could take up to XX/XX/XXXX for action to be taken. I insisted this be handled asap. After no communication or payment onXX/XX/XXXX I  called the bank and asked to speak to the manager ( XXXX XXXX ) who assisted me on the XXXX who was not available. I then asked to speak to another manager and was connected with XXXX ( XXXX ) who escalated the situation and guaranteed a call back by close of business day to provide me the status. After no return phone call, I contact the bank again on XX/XX/XXXX. Requested to speak to XXXX. She was not available. Asked to speak to her manager and no other manager was available. I was told this mater could be escalated and I will receive a call back. This needs to be resolved by tomorrow and I 'm quite certain this is not going to happen.
On XX/XX/2018, HCRVGRP. ( Heath Care Receivable Group ) ( collection agency ) reported an inaccurate debt to all 3 credit  bureaus. ( I do not owe the debt reported ) They were made aware this information was not correct and sent a delete letter to all three bureaus. I was told it can take up to 90 days for the inaccurate reporting to delete. The Information was deleted from all 3 within 30 days. Great right um no. The problem is on XXXX XXXX  HCRVGRP rereported the false information to XXXX  again causing my Credit score to drop. XXXX points. They have information from the original creditor acknowledging the debt is not owed. I called and spoke with HCRVGRP on XX/XX/18 I was told the would resubmit delete later to XXXX  for the second time. Meanwhile, it can take up to 90 to fix the error once again. I'm currently in the home buying process and can not afford mistakes like this. This error put a major ding on my credit report and home buying process for the second time. Please help