WillisBack/dataset-financial-user-claim huggingface dataset:
After contacting US Direct Express over 500 times ( I can prove this fact via call logs ) my Fraud issue has not been rectified. The customer service at US Direct Express is toxic. I am unsure why the treasury department allows Comerica to manage Social Security benefits. I have been actively pursuing a fraud issue on the Direct Express card for 1 year. I have been contacting Direct Express since last year to resolve this and they have n't lifted a finger. I have proof of contact from US Direct Express, that forms were sent to me last year regarding my fraud complaint, yet the Comerica/US Direct Express did nothing to solve the problem. Halfway into XX/XX/XXXX I began contacting US Direct Express regarding unauthorized use of the debit card. The " tier 2 '' department stated that they would close the card and send me a new card. It was n't until late XXXX of XX/XX/XXXXthat I received a replacement card, approximately TEN MONTHS OF ACTIVELY TRYING TO GET POSSESSION OF A NEW CARD. It took US DIRECT EXPRESS OVER TEN MONTHS TO SEND ME A NEW CARD. ON TOP OF THIS, US Direct Express charged me NUMEROUS TIMES FOR replacement cards and EXPEDITED SHIPPING REGARDLESS OF NOT RECEIVING THE CARD. If I approached XXXX XXXX XXXX or XXXX about issuing a new card, it would take, at MOST, 2 days to receive a new Card and at times SAME DAY. IT TOOK US DIRECT EXPRESS TEN MONTHS TO ISSUE A NEW CARD. Please keep in mind that during these TEN MONTHS, US DIRECT EXPRESS FAILED TO SEND ME A NEW CARD. US direct Express stated that they sent out replacements but had no idea where they actually sent my replacement card to ). Meaning, even after US DIRECT EXPRESS FINALLY SHUT THE CARD DOWN AFTER HUNDREDS OF PLEAS TO DO SO, the account and the funds issued by Social Security could not be accessed because no REPLACEMENT CARD WAS EVER RECEIVED. How is it possible that Comerica/US Direct Express creates BARRIERS for the XXXX to ACCESS THEIR FUNDS ISSUED BY THE GOVERNMENT! To add to the issues, in XXXX of XXXX I received a fraud affidavit and sent US Direct Express the information as instructed by Tier 2 customer service, as well as the first level of customer service. It was filled out and sent to US Direct Express within the 10 days they state that the form needed to be sent in. Within those 10 days, when US Direct Express receives the form, in their own WORDS, US Direct express will credit the account if the affidavit is received within 10 days from when the customer receives the affidavit. Numerous affidavits were sent to me and sent back to US Direct Express, as they requested and nothing has been done to get my money back. After reviewing some of the thousands of other complaints, lodged with the CFPB against US DIRECT EXPRESS, I am one of many customers that have the same issue. I urge the CFPB to review the thousands of complaints against US Direct Express, in order to file a class action law suit, which was recently implemented policy as of early XXXX.
I received an escrow statement from Carrington Mortgage Services on XX/XX/XXXX. 
They made an extra payment of {$1000.00} on my property taxes. As result, i called Carrington Mortgage Services and paid off the entire {$1000.00}. 
However I have to face the following problems : 1- I never received a new escrow analysis despite my request. 

2-Since XX/XX/XXXX I have spoken to several people who pretended to be the managers and experts in escrow analysis. But they never honored the request of sending me an escrow analysis and telling me my new mortgage payment. 

3- All the agents from Carrington were unethical and unprofessional. Among them, I can cite XXXX id # XXXX, XXXX id # XXXX, XXXX id # XXXX XXXX I firmly believe that Carrington Mortgage Services is overcharging me despite my payment of the entire difference on the escrow account. 

5- Given the unethical treatments i have endured with Carrington Mortgage Services for many years, I would like our mortgage to be handled either by XXXX  XXXX XXXX or XXXX XXXX where it originated from.
Professional Debt Management / XXXX XXXX XXXX is reporting a debt to the XXXX credit bureaus that is not owed. When XXXX was requested, they sent me a copy of the original lease agreement with XXXX XXXX with no proof/documentation of any outstanding money owed. The lot lease with home purchase sent as XXXX pre-dates bankruptcy discharged XXXX, in which XXXX XXXX and all affiliates of the XXXX are listed as creditors. Notice of delinquent rent in XX/XX/XXXX does not exceed {$420.00} - and was " pay or vacate '' ( property was vacated ) with mobile home returned to possession of the park. The park filed a delinquent tenant case that was dismissed in XXXX Judicial Circuit Court, XXXX, FL, on XXXX. The amount Professional Debt Mgmt. is reporting and attempting to collect is {$3400.00}. Despite providing them with bankruptcy case information, collection and release from claim letters from XXXX XXXX, and copy of court documents, they continue to refresh ( and change first report date ) on my credit reports and claim the debt as valid. Creditor is not entitled to collect on any portion of the home purchase balance discharged in the bankruptcy. Lot rent owed ended with the surrender of possession of the lot and collateral on XX/XX/XXXX, per the creditors terms in the letter I received - copy provided to the debt collection agency.
Bought house in 2009. Needed to refinance a few years later, due to extreme decrease in income. Wells Fargo ( initially Wachovia ) stated not to pay mortgage for a few months as to prove I could not make current payments, and they would be more likely to be able to refi thru XXXX program. Started making 'trial ' payments while getting paperwork finalized. During process, paperwork procedures changed, and no payments were recorded, to which I switched gears and went thru XXXX to save my home. Wells Fargo HAD to approve program for me to be in it, which included WF receiving funds to bring mortgage current. Wells Fargo was receiving monthly payments from XXXX, and FORECLOSED ON MY HOME WHILE THEY WERE RECEIVING MONTHLY PAYMENTS FROM XXXX, unbeknownst to me. Immediately when payments were done, I contacted WF to finish remodification, to which I was told I would be able to save my home. I worked with the SAME preservation specialist for the next several months XXXX in getting all needed paperwork and signatures to them. The last conversation I had with specialist, was to call the next day after all paperwork was sent in ( for the 3rd time ) and they would be able to give my my new mortgage payment. When I called, as instructed the next day, the SAME specialist told me that WF foreclosed my home 8 months prior. When asked why this information was just being told to me, it was stated that she did n't know this whole time. I called XXXX more time after this to discuss, and was told EVERY time I called, that I would be able to remodify. I then told whichever specialists I spoke to that I was told that WF foreclosed my home, to which they would put me on hold for 20 minutes, then come back and say 'oh yes, sorry. nothing we can do. ' In addition, thruout this entire process, WF has been sending any correspondence to a lawyer, who 's services are no longer retained nor have they been for this whole process, to which WF has been notified several times. In addition, have not been able to make any updates on this home that I have worked so hard to get and to keep. I have done everything WF has instructed me to do, every step of the way, and lost money, a good credit history, faith and countless hours in this.
I had a collection account on my credit reports from Experian, XXXX   and XXXX from XXXX XXXX XXXX for several years. The information was wrong. I went to court with XXXX XXXX XXXX on XX/XX/2017. Their case against me was dismissed with prejudice meaning they can never bring he cases against me again. I immediately submitted copies of the judgement from the court to the three reporting agencies and asked them to remove the collection account from my credit reports. I was told it was not removed because when they check with XXXX XXXX they insist it remain on the report. I have explained to them multiple times that a court ruled in my favor on this issue and I have sent proof but they will not remove the item. I do not understand why. How can this item be finally removed?
XXXX XXXX, Reporting and complaint about my credit problem I recently bought some thing from XXXX and I use the XXXX XXXX XXXX XXXX XXXX.There been a problem were I've tried to pay on the card and tried to login and it's not letting me pay on it and I've called the company and its been 3 mouths and the payment keeps going up. 


My XXXX XXXX number is : XXXX XXXX XXXX XXXX social number : XXXX email : XXXX XXXX
Equifax LLC. continues to report unverified information on the credit report, in violation of the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) as required byFederal law.
I never authorized Academy Mortgage company to submit an inquiry to obtain a credit approval. I submitted information for a pre-approval request. At the time my request was submitted, I informed the gentleman that I had security freezes on my credit files as I did not want any hard inquiries. Nonetheless, after carefully reviewing my credit reports, I noticed th  at an unauthorized hard credit pull was listed on my reports.
This company did not have authorization to obtain my credit information, which is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, ''. I have reached out to the company in which placed this hard inquiry on my credit report and I have been unsuccessful at getting a resolution.
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
my XXXX elderly mom XXXX XXXX name was forge to a loan at XXXX XXXX that wells fargo own bank. before she XXXX she has been complaining about her loan was paid in full .no one reached out from wells fargo to see could fraud has happened to this elderly retired woman who is XXXX .she been writing back in forth. i found one of the response from wells fargo dated XX/XX/XXXX. i own the property now. im trying to see what happened on XX/XX/XXXX. still complaining about signatures on original loan. XXXX have been complaining before tens years about this loan. i need a copy of settlement statements, copy of check front and back of cashed if cashed was given. signature would be on back of check.proof of mortgage applications proof of income that was used to get mortgage .a copy of all pages of mortgage closing from title .wells fargo i need proof before i do any loan modifications. im entitled to know and have paperwork on what is owed and where is the payoff later from previous lender. why did the loan number change and when. the loan was not changed until after XX/XX/XXXX or when? im looking at papers from XX/XX/XXXX it was the same and now the loan number is XXXX what was the balance before you changed the loan number? provide me with paperwork on the change. why did you change it where is the paperwork from XX/XX/XXXX that XXXX XXXX XXXX gave you when you took this loan over how much was owed how many payments was made? .i need the paperwork showing what the loan was when you first got it to now. i need payment history from beginning to present .how much was owed when you changed the loan number explanation please with supporting documents. i need again every page of loan closing documents check signature on cashed check for the cash back received i have a write to read and investigate everything before i sign my name to pay any loans my mother had,. before i pay any money out or any loan modifications. waiting on paperwork .names of people that was present at closing .name and address of title company. what qyalified XXXX for XXXX loan with social security and penison unbelivable i also need payoff later from previous bank when XXXX supposedly had refinanced on XX/XX/XXXX. i need help. XXXX XXXX XXXX
HSBC is no longer sending bills. I have a {$10.00}. charge from XXXX XXXX that I was never sent. When I configured my HSBC online banking account I never signed up for 'e-statements '. When I checked my online setup on XXXX XXXX, XXXX the 'estatements ' option was not selected. HSBC customer support was unable to help after escalating, the HSBC Supervisor was too busy to speak with me. HSBC customer support would not take care of the late charges, accept resposibility for the issue nor cancel this MasterCard account.
Need assistance with modification. 
After months of trying on my own to get a loan modification, I had to seek assistance from a friend. Over a year later and after contacting Office of the Comptroller of Currency I received a loan modification from Chase with a trail period of three months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which would result in a permanent modification, if payments were made and I continue to meet all program eligibility requirements. To date, I have complied with terms of agreement. 
However, Chase has not honored All of the agreement, particularly the part of the agreement that states they would permanently forgive XXXX of the estimated amount of {$270000.00} each year on the anniversary date of my XXXX trail period payment, which was XX/XX/XXXX, for three years. The XXXX year which was XX/XX/XXXX and XXXX year XX/XX/XXXX my principal mortgage amount was reduced by XXXX. On XX/XX/XXXX I did not receive my principal reduction. I made many attempts to contact Chase regarding the principal reduction and my calls were unanswered and when I did make contact I was told the money was taken off my loan by XXXX CSR and another CSR told me it was n't done, yet. To date no principal reduction has been made for XX/XX/XXXX, as agreed. 
I want Chase to honor my modification agreement. By reducing the principal balance on this mortgage I do n't believe I would owe as much as Chase claims I owe. I have never owed over three hundred thousand dollars on this property as claimed by Chase. I bought house in XX/XX/XXXX for {$59000.00}. And have since been victim of predatory lending. I have paid for this house more than once, I want what is right. I want to know what the fees for the modification were if Chase believes I owe a balance after the reduction of principal balance. And I would like for that last principal reduction that was due XX/XX/XXXX to be applied. 
Additionally, due to my continue hardship I have requested another modification in hopes of reducing the outrageous interest rate 9.75 % I 've been paying, I was offered a payment plan to bring my loan current, I did not accept it as I was seeking a lower interest rate. 
I was able to bring my loan current, I was two months behind. I bought my mortgage current and have since requested a modification for the XXXX time. All documents were sent via fax to Chase and received on XX/XX/XXXX. Since this date, I have not been offered assistance. I have received at least XXXX more packets of the same documents to send again, even though Chase sent letter stating they received the documents from me. This is why I had to get third party assistance with my XXXX modification in XX/XX/XXXX. I am hoping through these communications I will not be subjected to the runaround, and will receive assistance in a timely manner. 
In closing I am seeking assistance with : XX/XX/XXXX principal reduction for modification agreement letter dated XX/XX/XXXX. And modification request sent XX/XX/XXXX.
On XX/XX/2018 XXXX and XXXX XXXX sold our home ( XXXX XXXX XXXX XXXX, Washington DC ) to XXXX XXXX and XXXX XXXX. At settlement, The Stewart Title Company explained to us not to discontinue any bills and that they would be responsible for paying the water bill to keep the services on. They told us this after we paid the pro-rated water bill {$220.00}. The {$220.00} was drafted out of our account, after XXXX XXXX after I vacated the premises. 
1. Stewart Title company paid XXXX. and XXXX and I paid {$220.00}, which made a credit amount of {$440.00} cr. on the account which is still in our name. I talked to XXXX XXXX ( XXXX ), the escrow specialist and she is supposed to send an OCR to XXXX XXXX XXXX XXXX to discontinue and remove our name off the water records. I talked to a Mr. XXXX from XXXX XXXX ( XXXX ) and he said they had not turned anything in.
I paid my credit card balance of {$16.00} balance with Bank of America by the due date. However after i was charged a {$1.00}. With no explanation as to why i was charged this by the bank. I paid the full balance by the due date. According to FCRA the law states interest shall be imposed on the remaining balance after the due date.
There is an auto loan account on my credit report that I did not apply for. I have reached out to the credit bureaus as well as the finance company several times to send me proof of signature and contract information, even as recently as today XX/XX/18 and have not received any resolution. The account was also closed in XX/XX/2018 and every month the account balance increases and it should not. I also tried reaching out to the dealership in which the car was purchased and it is now closed down. The balance is not mine, it is my daughters, and it is also inaccurate, and the finance company is not being helpful in trying to correct this problem.
I have student loans that I have to repay. I was only notified by email which I do not check because I have no need to. I was n't aware of my loans going into default and being reported to the credit bureaus. I only received email, no letter in the mail or phone call. My credit score has dropped almost XXXX points due to this, which is restricting me from trading my vehicle to get a lower payment.
This account under the name Hunter Warfield keeps showing up and the amount owed each month goes up and down {$1.00} at a time. I have never had a contract or done business with this company. Also, it shows the account was removed from my credit report and now it appeared again a day later and I was not notified. I have submitted several disputes to have this removed and it is still showing and negatively affecting my credit and reputation with other open accounts I actually have relationships with.
Good evening. 

I purchased a vehicle in XXXX of 2015. The finance company is Credit Acceptance Corporation. 

The original price of the vehicle was {$6400.00}. I put down {$3000.00} After providing my downpayment, as I went to sign my finance papers, I was informed that XXXX adds an extra {$2000.00} onto the price of the vehicle for their " lending service fee ''. Then, on top of that, since it made the loan more than what the vehicle is worth ... I was required to pay them a MANDATORY GAP insurance payment that was included in my monthly payment. 

Now, I understand that a higher finance rate is acceptable when starting over to rebuild your credit. But I have since found out that XXXX has been sued and found guilty in many states due to their " lending fee '' as it is considered predatory lending. Not to mention, GAP insurance is voluntary. I would not have even needed it if not for their {$2000.00} " lending fee ''.
I made a payment via electronic banking to Home Depot Credit Services in the amount of {$5100.00} on XX/XX/XXXX. Unfortunately I intended for it to go to my Home Depot Project Loan account but I sent it to a Home Depot credit card account that is closed due to inactivity. 
I contacted Home Depot and they claim no knowledge of my payment. I never received any notice the credit card account was closed nor any communication about my money being received or being returned. 
They will not provide any phone number for their Payment Research Center, only an address to mail inquiries to in XXXX XXXX, MI. I am concerned by their actions they will attempt to steal my money and I am requesting your help.
Experian is reporting a Bankruptcy on my credit report. The courts does n't verify this information. It was pulled from a third party reporting agency. Therefore it needs to be deleted.
We applied for a lease for an apartment in XXXX XXXX, WI at XXXX XXXX. They use CoreLogic real estate credit reporting. According to CoreLogic two XXXX County court actions, both settled immediately to the satisfaction of XXXX XXXX  in XXXX, WI, have not been expunged even though all rent and fees were paid and we received our security deposit back. This is preventing us from securing a new lease. 

I contact CoreLogic the end of XXXX 2017 and requested my credit report. They said it would take two weeks. I waited two weeks and called back when I did not receive my report. They had my SSN wrong and my address wrong and said the report was returned to them by the USPS. I requested the report again and was told to wait another two weeks which I did. I still have not received the credit report CoreLogic used to deny us housing.
I had an freeze on my Experian account. I have filled out their form online with my pin about 5 times, plus I have written 2 letters directly to Experian requesting that they remove any locks or freezes so that I can try to obtain a refinance on my mortgage. 

My account is unlocked and not frozen, but they refuse to release my credit report to anyone at all. 

Ive been calling them for over a month complaining about this. Will you please call them to release my credit file and score to anyone who ask for it. 

I do not ever want them to freeze or lock my information to anyone.
Experian data breach revealed a number of addresses in their file which they called residential of mine but were actually workplaces, my former wifes address, etc. they alsoreessed a huge number of reports on me despite a freeze I requested due to a data breach at a prior employer. I am noe being turned over to collection agencies and I want it to stop.
On XXXX XXXX,2017, My husband was approved for a CC Capital One. It was then shipped out on XX/XX/2017.When we received the CC we contacted Capital One to activate the CC. We than were told the by several agents the CC was placed in the Fraudulent department? We than tried to get answers as to WHY it was placed in that department and no one had the answer but to tell me us We do n't know. So my hubby spoke with an agent to get this cleared up, she asked him several questions. ( he could NOT hear her due to the interference and she spoke so quickly my hubby asked her many times to slooooow down. she than apologized and informed my hubby that unfortunately they could not activate the card? She than requested some vital information from him to submit to Capital ONE ... and we still are unclear as to WHY the card was placed in the Fraudulent department and why he was approved! They refuse to hear reasoning 's so I decided to submit a complaint to this agency
The company has been calling my phone daily for nearly two weeks now. NO PAYMENT IS DUE UNTIL XX/XX/XXXX. Today, they began calling my sister. 

They ( XXXX XXXX ) have no fax number OR email to send a cease and desist. 

I have significant health problems and they are making me much worse.