WillisBack/dataset-financial-user-claim huggingface dataset:
HSBC has had authorization for Direct Debit of my mortgage for the past 13 years. 

HSBC made me a change of terms offer with unlawful terms, the details of which it failed to provide. 

I repeatedly and over a four-month period asked specific questions about those terms. HSBC refused to provide answers, directly or in response to CFPB filing. 

HSBC, however, stopped the Direct Debit on its own and then reported me as late, ruining my credit. This is unfair and unethical. My credit score fell by XXXX points as a result and it has remained low. HSBC, a {$200.00} billion-dollar company with record fines for financial abuse has apologized but this is not acceptable to this citizen of limited means who has been harmed by this corporation. HSBC has caused me considerable pain and anguish. HSBC must compensate me. CFPB must investigate this wrongdoing as it is consistent with its mandate and let me know the results. I am ready to provide any additional information needed for this investigation. 

I have repeatedly informed HSBC that the money that it failed to withdraw from my account has been in the account all along for HSBC, and it can withdraw it anytime it wants ; it does not need any additional authorization. If it needs me to take actions to fix HSBC error, HSBC must compensate me first. 

CFPB should be aware that HSBC knows of CFPB indifference to consumer complaint, and will play the game ( 1 ) will ask repeatedly for time to 'research ' the complaint, and then ( 2 ) respond with a meaningless and unresponsive letter which it knows CFPB website will forward to the consumer automatically and close the case.
Upon reviewing a recent copy of my credit report from XXXX and XXXX, I noticed inquiries from Santander Consumer USA, that I did not give permission to make. From my knowledge, an inquiry on my report is not allowed unless I give written consent. I am not requesting, but demanding that you remove these unauthorized inquiries from my credit report. According to the Fair Credit Reporting Act, the only permissible reasons for pulling an individuals credit report are as follows : A. A Firm Offer of Credit B. Insurance purposes C. Employment D. Court Order The following inquiries were made in violation of the Fair Credit Reporting Act for the reasons mentioned in the previous paragraphs Santander Consumer USA XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
Went to a consignment sale. Spent ov er 200. Left. Thought everything was fine. Boy was I WRONG! They  used the credit card machines where everything is done manually. But I was n't too worried. Now I 've spent  XXXX  for  XXXX  worth of merchandise. Recently started banking wi th BBVA COMPASS. Th ey had been great thus far. Then I had the misfortune of getting paired with  XXXX  ... ... she worked my dispute. The first time around she did hardly anything and came back and said she found nothing wrong. I threatened to file a complaint with CFPB and so she said she would reopen the investigation. But ... ... did n't come up with ANYTHING different. And still sided with the other party. I 'm very upset. The info that I used as EVIDENCE that I did NOT make the second purchase ... ... was the info she used to find that I DID! I provided her with my receipt. Explained I only si gned ONE slip. The other one was  done an hour later. I was long gone and heading for home. I did not do the other purchase. And had this been   XXXX   XXXX   XXXX   XXXX  or  XXXX  or  XXXX   XXXX  ... .my word and the info I provided would have been PLENTY to get the charges reversed. I work online for a living. And I deal with a lot of social media and referring. I definitely will be talking about Compass ... ... but it wo n't be a recommendation. Which is sad, because there are wonderful people that work there. Like  XXXX . He was wonderful!!     Anyway, I 'm opening this complaint in the hopes that I can get my money back. I 'm a single mom raising  XXXX  girls.  XXXX  of whom is currently  XXXX   XXXX . So I ca n't afford for there to be a  XXXX  ERROR that is n't resolved. Please help : ( I 'm providing all documents that I have gotten throughout the case. To try to expedite the outcome. And I 'm hopeful that whoever sees this next ... ... .can help to right the wrong. I 'm so upset by this.
Portfolio Recovery repeatedly calls me and threatens me with a law suit on a debt that I do n't remember, they harass me.
I keep tellin g Discover Card (  they have my current cell phone and home numbers ) not to keep calling an elderly relative who I have n't seen in ten years. One day they called her house five times!! So they do not need to call her when they can call me.
Stonegate Mortgage has paid invoices submitted to them regarding my account without consulting me. Consequently, they have paid XXXX insurance agencies that are not my provider for an amount over XXXX. 
I wish to formally have the following happen : I am formally Disputing the invoices that lead to withdraws to my account Have Formal Investigation into all withdraws from my account I did not authorize any withdraws from my escrow receive all documents regarding withdraws from my escrow Refund all funds back into my escrow Correct my credit score from XXXX/XXXX/16 Refund XXXX extra charge given on XXXX/XXXX/16 I can be reached at XXXX
My husband and I completed payments and had a Chapter XXXX discharged back in 2014. Two years after the discharge we refinanced and paid off our first with XXXX XXXX XXXX and our XXXX with Third Federal, neither were included in the Chapter XXXX and they were paid in full. However in the payoff statement Third Federal included " other fees {$640.00} ''. When I called to ask what the other fees were, I was told by Third Federal that these were lawyer fees, because they had to retain a lawyer when I filed Chapter XXXX, even though their loan balance was not included in the Ch XXXX. Can they do that?
I had hired XXXX after many attempts requesting loan information from a home equity loan from XXXX XXXX. After XXXX XXXX federal XXXX failed to respond and provide requested information. XXXX and XXXX removed account completely. Experien after disputing did not find anything wrong, I resubmitted dispute and they are now investing by contacting furnisher. XXXX XXXX has also reported illegal update stating this account was an open revolving line of credit. Which recently interferred with first savings denial on my home refinance application. They had asked if I intend to pay off XXXX XXXX. After they illegally closed my home at sheriff sale they continue to abuse me by punishing my credit history which controls my way of living. XXXX XXXX real estate XXXX XXXX has recently said they do not like me therefore they did not sell my home to my brother. Which I had rights as home owner to simply transfer title from very beginning.
Van Ru Credit Corporation engages in robo calls to my land line every day between XXXX and XXXX. Caller says they are collecting a debt and to call immediately. The calls disturb my XXXX parent. No one in my household has any debt whatsoever. This company is attempting to obtain personal information through fraudulent means.
On XX/XX/XXXX i checked my credit report and all my inquires were deleted, I logged in today and all the items have returned and my credit score went down.
An address appeared on all 3 of my credit reports ( XXXX, XXXX, Transunion ), but I have never lived at that address.

Then, all 3 reports show that there is a collection on me from XXXX XXXX XXXX XXXX. This collection company was sent by XXXX XXXX for an account opened in XX/XX/2018. I never opened a XXXX account. Also, the address I never lived at is connected to the XXXX account. 

This is damaging to my credit score. I believe this is fraud, and I have attempted to follow each credit report company 's dispute process, however, I am unable to confirm that the dispute went through.
I tried on a number of occasions to get help to repay my loans and they continued to redirect me, or say there was no way because I XXXX. Most XXXX get paid less money and still serve low income XXXX. I am XXXX and have so many students loans it is overwhelming. It has made me feel like I need to leave XXXX all together.
Greetings, In XXXX, i refinanced with XXXX XXXX XXXX only once. I started with a balance of XXXX, cash-out : XXXX, bank & broker fees : XXXX Total refinanced=XXXX. 
But today, my balance= XXXX and noone can explain this except XXXX XXXX XXXX who say, " fees. '' or " bank fees. '' In XXXX, at the closing, i was denied a 3-day recission period and i was denied a copy of the new note. 
2 months pass & XXXX drop off a 4 payment option ARM, none of which i heard at the closing and the balance spiked from XXXX to XXXX, in 2 months! 
1 week before XXXX settled for XXXX with our govt., XXXX quickly sold my XXXX mortgage note to XXXX for {$160000.00} so as to avoid 'making me right ' again. 
Again, the XXXX was sold for XXXX! that i have to pay. 
Why did n't i benefit from the XXXX XXXX XXXX XXXX settlement with the govt.? 
5 months pass. XXXX sells my note to Nationstar. Now, i have a 40 year note for XXXX but remember, i started in XXXX with a refi of only XXXX.Total. 
XXXX knew i was XXXX before the closing as they used my XXXX XXXX income to meet their income guideline. I became XXXX after XXXX. 
Being XXXX explains why my closing was set at XXXX to XXXX and why i was denied a 3 day Recission period nor a copy of my new note & terms. I pleaded 5 times for a copy. Answer by XXXX and 'XXXX : " No XXXX XXXX , we have to get all XXXX pages upstairs to be notarized. '' Those XXXX agents at my XXXX closing later quit or were fired. Keep in mind, i only did XXXX refinance, not XXXX i do not have a second mortgage either. 
Fast forward to XXXX. XXXX sold my note to Nationstar. Last month, I asked their senior loan officer to explain the 'History ' of my original note of XXXX & how it became XXXX. 
Nationstar loan officer stated he could not make any sense of the 'history ' of my note but he promised to call back in 3 days. He, ( Nationstar ) never called back. So, i am burned for life. Noone will tell the truth of what really happened. My Nationstar mortgage statement has XXXX balances which total XXXX
I got an update on Transunion that the score has changed. Upon checking, I noticed that XXXX points dropped for NO REASON. Why would my score drop for no apparent reason? There are no new information on the credit report. I would like to know why my score dropped for no reason. I am applying for mortgage and can not get qualified because of your incorrect scoring.
I took out a Federal Student Loan when I was in college ( XXXX ). The total amount of the loan was for {$16000.00}. Since XXXX, I have paid them {$9100.00}. My current outstanding balance is {$16000.00} and the " payoff '' balance is {$16000.00}. So after paying over {$9000.00}, I have only lowered the balance by about {$900.00}. 

I could n't figure out how this was possible, until I did some research about this company. Apparently, they reduce the amount of your payment that goes towards principal based on what day of the month you pay ( if you pay on the XXXX, a higher percentage goes towards principal than if you pay on the XXXX ). I would have happily set up an auto-pay for the XXXX of every month, however this company does not give you an option for auto-pay. This was never explained to me, and apparently was n't explained to thousands of other students that have written complaints about this company online. Several lawsuits have been attempted towards this company, but they have been able to escape them due to their arbitration clause. This company has an F rating on the XXXX website and is not accredited ( XXXX ). This company is intentionally deceptive, does not explain that your payment 's principal/interest varies throughout the month, does not allow you to set up auto-pay, and intentionally delays pending payments to prevent you from paying off your principal, and has thousands of complaints. 

It is extremely upsetting that the Federal Government would sell my loan to such an awful company. I would like to figure out how to either file an arbitration suit against this company, or have my outstanding balance reduced to the fair amount. 

Please let me know if you can assist with this matter.
Hello, I receive a call a day from Diversified Consultant, Inc regarding my debt to an old XXXX phone line. I have agreed to settle debt with them but they refuse to send me anything in writing laying out the terms of settlement. They insist I have to pay it online, with them on the phone with me otherwise any payment I make will be applied towards balance. I've closed out multiple accounts by agreeing to a settlement amount and requesting something in written prior to paying anything whether on the phone or online. I want to close to debt out but they will not let me. They simply insist that I must pay it their way or not at all. I just want a settlement offer in writing so I can pay of this debt. My guess is they will charge me and just add it towards the balance. They say they've sent me letters in the past but I've not received a single settlement offer in writing despite any request and pleadings with them for 10-15min per day per phone call.
I 've submitted more than a few request for deletions by phone and by mail for all three of the credit bureau, Transunion, XXXX & XXXX. Effective XX/XX/XXXX law went into effect regarding the removal of public records and tax liens from credit reports, that if an item is on your credit report if must reflect Name, Address, Social Security Number/and /or birthdate this was issued from XXXX XXXX XXXX XXXX XXXX XXXX which became law. None of these credit bureau have that information which has been made law and the records should be deleted from my credit file. 
In the same request I 've asked the XXXX above listed credit bureau to provide me with a copy of the application or any verification that has listed negative information on my credit reports, specifically inquires made on ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ' & XX/XX/XXXX. ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX &XX/XX/XXXX. ( Transunion ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

To date I have not received this information and again they are stating they will not provide any verifications. There is also negative information reporting from a XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX account ending in XXXX, I have ask for verification paperwork to be sent to me and requested that it be deleted, the credit bureaus have refused and is not in compliance with the RECORD KEEPING REQUIRMENTS, Section 609. The 15 U.S. COde 1681g-Disclosure to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. The credit bureau are regulated by the government due to the nature of their business. 
I am asking that all the above injurious items be deleted from my credit report from all three of the credit bureaus Transunion, XXXX & XXXX. 

" Great minds discuss ideas ; Average minds discuss events ; Small minds discuss people '' ~selah~
Loan was sold to Specialized Loan Servicing from XXXX XXXX in XXXX, XXXX. Received letter stating SLS is the new servicer in XXXX, XXXX. Never heard anything else until a voicemail message left on home phone on XXXX XXXX, XXXX stated we were delinquent. XXXX payment was received by XXXX on XXXX XXXX. 
I attempted to call SLS and set up automatic payment for XXXX, and SLS informed me that I would have to pay by check and set up for next month. Just received statement for XXXX/XXXX/XXXX stating that we are in arrears again for XXXX and XXXX payments. Sent in check for total amount, and today voicemail on home phone claiming we are in " serious delinquency ''. I still do n't know whether their system has taken our automatic payment, and if the payment is received.
I opened a sears card last month while in a Sears store shopping because by opening the card I could get a percentage off my purchase. I called Sears two weeks later to find out how I could pay off the card. They would not give me any information unless they could verify my ssn. I explained that I do n't use my ssn for verification. I asked them if they could verify something else. They said no. I went into a Sears store to pay my card off about a week later. I called two days later and requested to cancel my card. They would not continue the call with me unless I verified my ssn. I said I am not asking you for information on the account I just want to close it. I was transferred to fraud who took me through verification. I asked how do I close my card and she said we need your ssn first. I asked her if there was another way to close the account she said no. I refused to give her my ssn just to close the account. The call escalated and she hung up on me. I believe the ignorant lady 's name was XXXX. If I would have known that the ssn was a prerequisite for getting any business done on this card I never would have opened it.
Wells Fargo Bank employees or employers took {$96000.00} from my bank account on the  same day I made a withdrawal at the bank. I have proof of this fraudulent activity. This had to be an inside job stealing from customers. The signature of the withdrawal slip does not match my handwriting. I noticed the deduction of {$96000.00} from my account when I checked my balance. I contacted the bank. Filed a report with the bank about the missing money. But as of today, I have not recieved my money. An unauthorized transaction was made on my account and the bank did nothing about it.
The USAA Federal Savings Bank stopped providing me with a " completed payment '' list on accounts processed through their USAA web billpay service displayed under the " Recent Payment Activity '' window. All pending payments, including the non-USAA accounts are listed, but the completed payments lists only the USAA accounts. The non-USAA accounts are not listed. The USAA web billpay service deducts payments from my USAA checking account. The failure to list all completed payments does not allow me to track all of my checking account expenditures accurately. This problem has persisted for over two months. I have made several phone calls to USAA to correct this problem. I have spent inordinate amounts of time waiting on the phone to talk with representatives only to receive trouble tickets that go unresolved or are ignored. I have not received any follow-up phone calls, emails or letters from USAA representatives regarding this issue. Trouble tickets issued : # XXXX, # XXXX, # XXXX, # XXXX ... From XXXX/XXXX/2015 through XXXX/XXXX/2015
I got a car from drive time and all they have been trying to do is run game on me and I 'm getting tired of it. The car I got from them had transmission problems and probably other stuff as well. The transmission had a recall on it, so I took it to XXXX several times to get fixed, but I got frustrated and called XXXX corporate office and told them what was going on and they supplied me with a code to get a new vehicle, which I was given. I called drive time to let them know what was going on with the vehicle and how I wanted to turn the vehicle and that the car they gave me was having issues, so I talked to a supervisor and she said as long as I turned in the recall info and how many times I took it too get fixed about it not affecting my credit, but I have n't heard anything from them. All I keep getting is the run around and no one knowing what I 'm talking about and I think they are trying to affect my credit, so they say keep the car until I hear from supervisor. Please help. I have made calls after calls. It has been a week and 3days and they keep saying I will hear something XXXX and then the next day.
Equifax and XXXX are not reporting correct information on my credit report. There are collections open and closed that are proven fraudulent but they refuse to properly investigate when I dispute the collections. There are also false names, addresses, credit inquiries all that I have not authorized. As far as I 'm concerned Equifax is aiding and abetting these criminals. I want this company to work with me instead of against me to correct my credit report.
In XXXX of XXXX, I received a call from a collection agency about an unpaid account with XXXX XXXX that was set up with my social security number. XXXX determined it was a case of fraud. I was advised to file a police report ( see attachment ). On XX/XX/XXXX I received an e-mail from XXXX stating that they notified Experian, XXXX, and XXXX. It stated that it would take 30 -90 days for the fraudulent account to be removed from my credit report. In XXXX of XXXX, I was completing a yearly free credit check and noticed that the unpaid account is still showing up on all three credit reporting agencies. I called XXXX and a similar email was sent on XX/XX/XXXX. Both emails are attached.
Navy Federal is only allowed to contact me through my cell phone number. This is not the first time they have found other numbers that are associated to me in an attempt to reach me. These numbers have not been given authorization to call.
In  XXXX  of   XXXX  , I became separated from my wife. She returned to the household without permission in  XXXX  and my daughter and I moved out in  XXXX . I had to change account information in order to protect myself from her paying off her credit cards on her own account. So used checking account to pay off Mortgage Payment in  XXXX  and  XXXX . The letters were sent out and postmarked before the end of the month, but  XXXX  marked them as 30 days late because their processing was a few days after the end of the month.      XXXX  has processed loans later than the beginning of the month but has never reported me as late. They have responded with form letters and sent me a list of dates when my loans were processed which included payments posted after 30 days which they received within the 30 day window. I have requested info but so far I can only access the last 12 months. I have request the date received on these payments and they can not supply them. They do n't know when they got these checks so how can they penalize me and ruin my credit arbitrarily.     I have included the  XXXX  payment that was accepted on the  XXXX  and not marked late. I have included my letter to  XXXX .   When I did an adjustment to my mortgage they told me that they could n't consider it until I was at least 60 days behind and then they processed the adjustment internally and did n't defer the   three moths payments and caused derogatory credit marks that my relationship manager failed to disclose would carry over after workout period.
My daughter 's medical issue  s and impending divorce are problems compounding their arbitrarily trashing my credit report and I am grateful for your intercessation and available at  XXXX  to discuss.       Thanks for your help,  XXXX   XXXX
Describe what happened so we can understand the issue ... 
I submitted this complaint once already but missed the cutoff to dispute so I am re-submitting it. 
In XXXX of XXXX I was granted a modification from Ocwen. When I made my XXXX trial payment it was held in a suspense account along with the other XXXX payments and {$100000.00} from Keep Your Home California. This money was not dispersed until XXXX XXXX. 
This is about Conventional adjustable mortgage ( ARM )