WillisBack/dataset-financial-user-claim huggingface dataset:
Please refer to # XXXX and # XXXX submitted on XX/XX/XXXX and XX/XX/XXXX respectively regarding the issues with XXXX or XXXX. 
Previous complaint ============================= At that time - this company simply tried to put the matter under the carpet/rug. I am facing the same issue since XX/XX/XXXX. I have updated my XXXX profile so that with my cell # - my ally bank account is associate and NOT XXXX XXXX. XXXX XXXX was the old one and ally bank is the new one. But still anytime any payments which are coming to my cell # - it goes to the old account ( XXXX XXXX NOT ally ). I reached out to Ally and then to XXXX XXXX ... everybody ask me to reach out to somebody else ... so no accountability and ownership at all. Today I called at XXXX during XXXX XXXX to XXXX XXXX and talked to XXXX about the same issue. Case # XXXX has been created for this. All the calls are going to XXXX to some very naive customer service associates. When the customer wants to talk to the higher ups - they simply tell that even higher up will do the same. I end up paying fees from the bank due to this. 
============================= Now Spoke to XXXX at XXXX ( Level 2 support ) for around 18+ minutes during XXXX to XXXX XXXX CST. Have the entire recorded conversation and could share with you. Previous complaint. Till now this issue is going on. My payments ( made to my cell # ) some times goes to Ally Bank and sometimes to XXXX XXXX. I have to maintain two accounts and it's a lot of hassles. Nobody ( Ally, XXXX XXXX and XXXX is taking the accountability and responsibility ). I want old fashioned ACH transactions with ABA Routing # and the A/C # s - at least it was clear, non ambiguous, no buggy and we were aware - what's going on. XXXX - has no non mobile interface. People like me who are not that comfortable with the mobile screens are struggling. Moreover XXXX App - doesn't even shows you which account it is associated with and how to change it to something else. It's something which is untested and not even ready to be used for real world and introduced a lot in hurry. It's very dangerous and chaotic. Worst wait time on the support is too much ... Wasting time with Ally, XXXX XXXX and XXXX customer service for no fault of mine.
I was trying to activate an account with XXXX app on the app store but it says the bank is not compatible
During the 2015 XXXX holiday I closed my savings and checking account at Bank Santander located on XXXX XXXX XXXX XXXX, in XXXX, Pa., phone number, ( XXXX ). Branch number XXXX. 
I received an official Bank Check for {$23000.00}. XXXX and mailed it on XXXX XXXX, 2015 to my XXXX XXXX Bank account and put on the back of the check for deposit only in my account and listed my account number. The check was never received by XXXX XXXX and is lost. I call Bank Santander and requested a stop payment on XXXX XXXX, 2015 Banks XXXX said the wo n't stop payment for 90 days. The bank officials say if I want a stop payment sooner I have to agree that they are not responsible for the money. They want me to obtain a surety bond too. I 've call 3 times and the bank refused to put a stop payment sooner than the 90 days. I asked the bank on what date will they put a stop payment on the check and I was told by XXXX XXXX who works at the bank that she did n't know, that she would have to get back to me with that information. 
Best Regards XXXX XXXX cell phone XXXX
Gatestone attempted to reach me at my place of employment. The representative, Mr XXXX spoke with our receptionist at the office demanding to get in touch with me. Mr . XXXX explained to her that he has left me numerous messages over the past few weeks but never heard back from me. She called me worried that there was an emergency because Mr . XXXX  was so adamant about reaching me. He would not give her his contact information or business he was calling from. I have been at this employer for 1 month and having 'someone ' contact me and say I have not returned numerous calls to a 'mystery person ' is extremely unprofessional and will result in me having a negative review on my on work history. I contacted Mr . XXXX  at Gatestone and told him to NEVER contact my place of employment after speaking with another colleague of his stating the same thing. Here is a list of numbers Gatestone has contacted me from : ( XXXX  ) XXXX-XXXX, ( XXXX  ) XXXX-XXXX, ( XXXX  ) XXXX-XXXX, ( XXXX  ) XXXX-XXXX, ( XXXX   ) XXXX-XXXX  and ( XXXX  ) XXXX-XXXX. www.gatestoneco.com
Called TransUnion to ask if inquires could be removed because I had not ask these companies to run my credit, nor had I tried to purchase vehicles or get accounts with these out of state companies. The guy I spoke to said " You dont need to do anything because it will be coming off your credit soon. Just wait '' but I want it off now! I dont know these people nor did I give them permission to run my credit and report falsely to the bureaus considering I have never signed any agreement or contract with these people. the only identifing info he would give is File # XXXX.
Multiple times, I have written to Experian to delete accounts that I am no longer an authorized user on. As of today, I got another alert back from Experian saying that the account remains. Yet, in their system, these accounts are coded as " Authorized User '' " Terminated ''. These accounts are not my responsibility and, furthermore I am not listed on these accounts anymore. The companies tell me that since I am/was not the account owner they can not talk to me.
I have disputed an account for XXXX XXXX XXXX XXXX at least XXXX times. XXXX off the beginning credit on this account was {$26000.00} and the credit report has {$20000.00}. Also, it states that my vehicle was repossessed in XXXX and XXXX XXXX is incorrect.The balance of this account was paid in full in XXXX on the said day of repossession. There is no balance and the information listed is false. If this is not resolved properly, I will need to move forward with legal action.
With reference to Claim Number XXXX Account Number XXXX Original Creditor Name : XXXX XXXX XXXX XXXX Original Creditor Account Number : XXXX With reference to Claim Number XXXX XXXX XXXX XXXX ( collectively XXXX ) was ordered by The Consumer Financial Protection Bureau to provide relief as part of a consent order. 
As a part of the above mentioned ordered XXXX was ordered to request the credit bureaus to delete all trace lines related to disputed accounts. 

Please be advised that remnants of this disputed account is still a part of my Experian credit record. 

I have written to Experian requesting that the account be deleted, but to no avail. Thus I am submitting this new complaint to have this issue resolved once and for all
GLA Collection Service added debts to my credit report in which I had no clue what they were for until I called them. I also called the original creditor, XXXX XXXX in which they refused to give me printouts of the original debts and when they occurred, what the insurance paid ( or if ), stating it was against the law for them to give me that information and that they forwarded everything to GLA. I know that is an outright farce because they are required to keep billing information for no less than ten years. XXXX XXXX also sent me bills for a XXXX XXXX XXXX and at the time I was XXXX XXXX XXXX. They are refusing to cooperate with me and my insurance. My insurance actually sent GLA a letter stating that XXXX is investigating the debts and that GLA needs to " forebear '' any debts until the investigation is complete. 

The address for GLA is : GLA XXXX XXXX XXXXT XXXX XXXX, XXXX XXXX The address for XXXX is : XXXX XXXX BILLING DEPARTMENT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Portfolio Recovery calls repeatedly after XXXX XXXX. They will constantly call from different numbers. They bought a very old debt I had and will not stop harassing me.
Equifax was so incompetent that it did n't safeguard my info well enough and got my info stolen along with 143 million people.
I WAS A VICTIM OF XXXX XX/XX/XXXX PRE DATORY LENDING, MY ORIGINAL LOAN FROM XXXX WAS TRANSFERED TO XXXX XXXX XXXX AND NOW NATIONSTAR MORTGAGE LOAN NUMBER XXXX ADDRESS XXXX TEXAS.TEL. NO. ( XXXX ) XXXX EXT XXXX XXXX XXXX XXXX IS SUPPOSE TO HELP ME, INSTEAD I GOT FORCLOSE AND SOLD MY HOME TRUSTEE SALE ON XX/XX/XXXX.IT SEEMS TO ME THAT PRESIDENT OBAMA 'S EXECUTIVE ORDER XXXX " ESTABLISHMENT OF THE FINANCIAL FRAUD ENFORCEMENT TASK FORCE ' WAS IGNORED BY NATIONSTAR EXPLICITLY ACKNOWLEDGE THE EXISTENCE OF SIGNIFICANT FINANCIAL CRIMES AND OTHER VIOLATIONS. IN XX/XX/XXXX.XXXX SETTLED BUT THIS IS NOT HAPPENING TO ME. 
NOW I AM FACING EVICTION BY THIS COMPANY XXXX XXXX XXXX XXXX. ADDRESS XXXX, CALIFORNIA XXXX TEL. NO ( XXXX ) XXXX, MANAGER NAME IS XXXX XXXX .I HAVE BEEN HARRASSED AND PERSON KEEP COMING TO THE HOUSE ASKING ME WHEN TO LEAVE. '' I NEED HELP '' ANOTHER AGENT NAME XXXX XXXX, FINDING SOLUTION CAME TEL. NO ( XXXX ) XXXX OR ( XXXX ) XXXX.I WAS REALLY SCARED.
I received a late fee from a credit card company without realizing it. I called to take care of the fee, as that was all that was remaining of my outstanding balance. By the time I called to pay the fee, the company had already accrued more fees for nonpayment of my balance, which, again, was only the late fee. The person I spoke with was very nice and said that she would remove the other fees on my account if I paid the original fee that day over the phone. I did just that. This week I received a phone call indicating I now had a balance on this card of over {$70.00} - all fees as I had not made any purchases since my call to pay my fee. It appears the person I spoke to did not clear my fees as she had told me, and the company gave me additional fees. I have tried to explain this to the company, but with no luck, and I ended up just paying additional fees. I believe the practice of charging fees upon a balance that is only made up of fees is unfair and not right.
I disputed the following bankruptcy. I received the dispute results from equifax this morning. And according to federal law NO federal bankruptcy court reports to and credit bureau. So with their findings this information is false, due to the fact equifax can not verify with any bankruptcy court espically as listed on attached findings.
court judgement to me. collection bought original debt many times from lawyers, collections agencies. Paid for 3 years with no principle payments reduced.
I bought a XX/XX/XXXX Volkswagen Passat it was financing at credit acceptance the price was {$10000.00} it gave so much problems I believed XX/XX/XXXX I called them to repo the car and they sold the car and they want to pay the rest for {$6000.00} it 's really hurt my credit I ca n't even buy another car
I applied for a loan modification with select portfolio who is my mortgage company.. we were approved for a modification however the amount that we are being charged is outrageous, we currently owe XXXX dollars and the terms of the modification increases the note to XXXX dollars. we contacted the company and were basically told " take it or leave it '' We were led to believe that we applied for a modification to improve our circumstances not worsen them. We were given a timeline of XX/XX/XXXX to either accept or decline the offer.
I contacted all 3 Credit Bureaus XXXX, XXXX and Equifax several times regarding 3 accounts that were opened with XXXX as a result of Identity Theft. After several disputes and even filing complaints with the CFPB in which they were again provided with copies of the police reports all 3 bureaus removed the accounts responding that the ID Theft was founded and the accounts had been removed. Now 2 weeks ago I received notice the bureaus without cause relisted the previously deleted accounts. The notation was added " The Creditor is unable to reach you in regards to the ID Theft '' the creditor has reached me numerous times and has been provided all of the information. Relisting the following accounts is a violation of FCRA. The following accounts must be removed from my credit reports immediately or I will be forced to retain legal counsel and seek Judicial and financial recourse. 
XXXX XX/XX/XXXX {$0.00} {$250.00} {$5400.00} XX/XX/XXXX REPOSSESSION {$510.00} XXXX XX/XX/XXXX {$4000.00} {$46.00} {$4600.00} XX/XX/XXXX CHARGE-OFF {$1500.00} XXXX XX/XX/XXXX {$3000.00} {$3600.00} {$3600.00} XX/XX/XXXX CHARGE-OFF {$3600.00} Additionally I realized now the following Hard Inquires on my credit report which are not my own and do not meet the FCRAs Definition of Permissible Purpose All users must have a permissible purpose under the FCRA to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. These are : As ordered by a court or a federal grand jury subpoena. : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unless the Credit Bureaus themselves can provide a subpoena showing just cause to allow these to remain they need to be removed immediately. 

And finally the following account was just added to my account and was not opened or authorized by myself and needs to be immediately removed : MABT - RETAIL XXXX XXXX  XXXX XXXX, OR N/A N/A $ USD XXXX
XX/XX/XXXX : My wife deposits a security deposit return check from her landlord. It was accepted by her bank. 

XX/XX/XXXX : A forged check is physically presented at a Fifth Third Bank for the same amount. The funds are debited from our account without our notification. When my wife notices in our statement the missing funds she contacts our bank and they state the funds were removed by request and that we need to contact the writer of the check. At the time, the representative did not state that the forged check had been presented at a Fifth Third bank. We go back and forth with her landlord until we agree he did not receive back the funds. 

All attempts to contact Fifth Third bank result in stonewalling and the representative stating that because we are not Fifth Third account holders that they can not help us.
I refinance my mortgage and it has been almost 2 months since my mortgage has been paid in full and Suntruct will not refund the money that was in my escrow account.
I pulled all 3 bureaus reports and asked for validation or verification on the bankruptcy listed in my public record and each one came back as verified without any documentation or written proof. After I froze my account with XXXX XXXX ( completed XX/XX/XXXX ) to whom supply my information, I then proceeded to re-dispute with the bureaus. Again same results verified yet no proof although at this point account frozen so impossible to verify. My next step was to address the courts about the matter ( completed XX/XX/XXXX ) which stated that they use a particular system that did not involve the verified parties. enclosed are the letter from the courts and XXXX XXXX showing my account being frozen yet account being verified after that date recorded date. so my privacy have been violated by the involuntary disbursement and usage of my personal information including social security number. parties involved Transunion XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
re : Ocwen loan # XXXX for XXXX in XXXX, NY Despite repeatedly pleading guilty to NYS DFS & CFPB for mortgage servicing violations, and a court order demanding that Ocwen give us access to ALL ORIGINAL loan documents related to the phony loans placed on our home at XXXX, XXXX, NY XXXX, Ocwen has refused access to visit the loan vault in Florida were we were told the original pen and ink loan docs are kept. 

Ocwen did in fact mail us several XXXX photocopies of files that show many other loan numbers attached to our loan still on the house. But, they refuse to show us the transfer history nor the amounts paid by Ocwen to buy this loan. 

Ocwen has stated the loan is paid down to zero, creating a forgiveness of debt issue for us for the {$160000.00} value of this note and mortgage they hold. 

XXXX would like the note and mortgage assigned to him for XXXX dollars since Ocwen claims they have no interest in it any longer. 

Please authorize Ocwen to assign this loan and mortgage to XXXX. 

We also demand a complete history of the escrow account attached to this mortgage with Ocwen. XXXX of dollars was paid into and out of this escrow account and we want a full accounting with the cancelled checks of who got this money. 
Thanks so much. 

XXXX and XXXX
I was scammed by a company recruiter into sending someone {$800.00}. I was given a counterfeit cashier 's check to put into my bank which I did. After sending a vendor for that company {$800.00} for work equipment fees, the counterfeit cashier 's check bounced and as a result I 'm not at a loss of {$800.00}. I contacted MoneyGram, the money transfer service utilized in the transaction to see what they can tell me about the receiver but they stated they would not help me and did not give me a concrete reason as to why they would n't help me. That is why I am complaining about them here. I do not know if they are in conjunction with the scammers or what the situation is but their unwillingness to help their customer ( me ) is shocking and completely unfair.
Misleading Debt settlement notice from XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX asks the consumer to contact our offices at XXXX within 10 days of receiving this notice. They assume that you have a outstanding credit balance and use the phrase **Failure to Call ** ominously highlighted in the middle of the page as a scare tactic. If you read past the middle of the page, the fine print explains that the example savings of over 40 % is Based on a single consumer situation who completed the entire program ... results from 2011 and that program fees are separate and not included in the example.
On XX/XX/18 I signed documents to refinance my mortgage from Freedom mortgage XXXX to XXXX XXXX XXXX company. My loan XXXX XXXX from XXXX XXXX had stated not to pay our monthly payment because XXXX XXXX would be paying off the remaining {$17000.00} balance per wire transfer. All accounts such as taxes, title company, credit cards were paid off by XXXX XXXX on XX/XX/18 which was the disbursement date. Freedom Mortgage XXXX reported the payment late to the credit bureaus which caused my credit report to drop from XXXX to XXXX. I have called and sent XXXX XXXX the disbursement summary to show proof that it was disbursed on XX/XX/18 but they state that the payment was not received until XX/XX/18 since they are on the east coast. XXXX XXXX XXXX has now sold my loan to XXXX XXXX  and XXXX will not return my calls or emails even though she stated she would help me resolve this. XXXX XXXX should have made sure that the payment would be received in a timely manner since XXXX the loan XXXX specifically stated not to make the monthly payment and they would handle it.Neither company will help me in resolving this matter. I have never been late on a mortgage payment and I trusted XXXX XXXX to payoff my balance on time. I don't know which company is at fault but how can I take a drop in my credit when I have never been late on any payments.I need help to resolve this issue. Thank you.
I had a loan with Comenty Bank XXXX. I was referred to them through XXXX. XXXX over billed me and was supposed to make the necessary correction. I was paying the bill every month on time for an original loan of XXXX at XXXX per month. After two year of consecutive payments they added an addition XXXX on my account. I disputed the amount and I was sent a letter by Comenty to settle the bill for XXXX which was paid within the 30 days required for the agreement. I just received a XXXX which is making me file the difference on my taxes. This is not part of the contract I agreed to. According to the parol evidence rule of law ... you can not re-negotiate a contract that is in writing unless it is in writing and both parties agree to the new provisions of the contract ... Well I did not. I was never told about this and as far as I 'm concerned the bill is paid and it has been adjusted on my credit report.
XXXX XXXX XXXX was requested to come to house to service a XXXX range top under guarantee, the Tech was very rude and we asked him to leave our home. A few weeks later we received a bill fron XXXX, we thought it was a mistake as XXXX had sent them. We were finally placed on collection, we contacted XXXX and paid the bill over XXXX months ago. We are still receiving letter from Transworld Systems Inc. We would like to complain about Both company. 
I had called XXXX times Appliance Service asking them to be removed from the list of debtor with no success. 
Thank youXXXX XXXX
I am a   XXXX   XXXX   for the buyer in a short sale transaction. This matter closed in  XXXX , 2016 and the mortgage which was the subject of the short sale has not been discharged of record. I am unable to issue the title policy to the new owner, our insured, until this mortgage is discharged.
I have attached the short sale approval letter along with proof that the wire was received to pay the loan in full as outlined in the short sale terms. Several attempts have been made to contact NationStar Mortgage, with no satisfaction.
The subject mortgage is recorded in the Office of the Clerk of  XXXX  County New Jersey in Mortgage Book  XXXX  to  XXXX  and   XXXX   XXXX
In XX/XX/XXXX, I initiated a refinance home loan now serviced by Caliber Home Loans ( Caliber ). 
I set up automatic payments to Caliber through the XXXX XXXX XXXX XXXX ( XXXX  ), which used the iPay Bill Pay Service from XXXX XXXX XXXX XXXX ( XXXX XXXX ). 
Automatic monthly loan payments ( {$1300.00} ) started in XX/XX/XXXX. 
Monthly payments were routinely sent from the XXXX to Caliber, in check format as scheduled from XX/XX/XXXX, through XX/XX/XXXX, via XXXX XXXX. 
In XX/XX/XXXX, Caliber notified XXXX XXXX they would stop accepting payments in check format, and would begin only accepting electronic payments instead. [ THIS CALIBER INITIATED ACTION is root cause # 1 for the missed payments ] XXXX XXXX then stopped check number XXXX ( the XX/XX/XXXX payment in process ) to change the payment method to electronic. 
However, Caliber REJECTED the subsequent electronic payment from XXXX XXXX for XX/XX/XXXX. [ THIS CALIBER INITIATED ACTION is root cause # 2 for the missed payments ] This rejection DEACTIVATED the XXXX XXXX XXXX reoccurring payment to Caliber, that was previously set up. 
Caliber immediately reversed itself and notified XXXX XXXX to change the payment method back to check format, as they had NOT completed their set-up to accept electronic payments. 
Since the automatic payments were deactivated by the series of actions initiated by Caliber, the XX/XX/XXXXand XX/XX/XXXXpayments due to Caliber went unpaid. 
As I was on an XXXX XXXX in XXXX, and thinking my payments were automatic, I was not aware these payments were late until my return to the US in late XX/XX/XXXX. 
Upon my return to the US, I immediately scheduled the late XX/XX/XXXX and XX/XX/XXXXpayments. 
The XXXX 's XXXX XXXX XXXX again started sending payments in check format to Caliber, automatically as scheduled, as Caliber still had not set up to receive electronic payments. 
ONLY in XX/XX/XXXX, 3 months after their initial communication, did Caliber complete their set-up and begin receiving electronic payments from XXXX and XXXX XXXX. 
I have never missed any payments on this loan ( or any previous mortgage ) prior to, or after the payments impacted by the Caliber initiated actions. 
Had Caliber not rejected the first electronic payment attempt, made at their request, these late payments would have never occurred.
I was in the process of trying to buy a house and I got on XXXX XXXX and saw that my credit score was below XXXX and I clicked on there to see why and I had 24 late payments from XXXX XXXX XXXX XXXX and I ca n't understand why when I was in forbearance.