WillisBack/dataset-financial-user-claim huggingface dataset:
According to XXXX XXXX XXXX, I signed up for e-billing at the end of XX/XX/XXXX. I stopped getting statements from them and just had no idea I wasn't getting statements or that I was not paying on my account. XX/XX/XXXX and XX/XX/XXXX were delinquent, but I had not received any billing for this. I had made on-time payments each and every month since XX/XX/XXXX, when I became a card member XXXX, reported that I was 60, days late to the credit agencies. This is a huge problem because I do pay my bills on time. It has adversely affected my credit score, which insurance companies, banks, etc, look at. 
This misrepresentation has affected my credit score and my ability to get correct and fair rates for insurance, loans { I've already been turned down for a loan }, and future financial actions. This information, as deceptive as it may be, will be on my credit file for up to seven years, and all because  XXXX, says I signed up for e-billing. XXXX, should have made sure I authorized this action. XXXX, says they sent me an email. I explained to them that I am a XXXX y/o person with over 50 thousand unread emails. I would never sign up for e-billing. XXXX, says they sent an email to my account and that was sufficient according to them. I told them that of course they would like everyone to do e-billing so they wouldn't have to send out bills ; think of the money they would save!! 
I wrote XXXX, on XX/XX/XXXX. I then wrote the XXXX concerning this problem. I will try to attach the letters. I received a phone call on XX/XX/XXXX or XX/XX/XXXX from a young lady stating that she would investigate my case, probably because I wrote the XXXX. 
THE BOTTOM LINE IS : XXXX, is acting in a deceptive way. This is just one more example of this companies deceptive practices. I've read about all the different law suits and how their paying out millions of dollars. I'm not asking for money, I want them to repair the damage they have done to my credit file and they need to be forced to have better practices concerning alleged authorization. When money, credit files and business practices are involved, they need to be sure of what is going on. They need to get final authorization from the card holder BEFORE any changes are made to their accounts
In XX/XX/2017, Chase closed all my credit cards with no reason given. I appealed the decision and my cards were not reopened. On several of the cards I had paid annual fees for the next year 's service of the credit card. These fees were not refunded to me, even though I not onger had the benefit of using the account.
Equifax was involved in a security breach. I received no notification about this until it came out in news reports, but my information appears to have been compromised according to a website they put up on XXXX XXXX, 2017. The amount of personal information they possess can be used to destroy someones finances.
I WAS PROVIDED WITH A MODIFICATION EARLIER THIS YEAR AFTER MAKING COMPLAINTS THAT OCWEN WAS UNABLE TO OFFER ME A LOWER PAYMENT. 

I WAS GRANTED A MODIFICATION AND I BELIEVE I HAD MADE 2 PAYMENTS UNDER THE MODIFICATION BUT THEN MISSED THE LAST PAYMENT DUE TO A LAY OFF IN XX/XX/2018. I WAS UNSURE WHETHER I WAS GOING TO RECEIVE ALL OF MY SEVERANCE FROM THECOMPANY IN TIME. I MISSED THE LAST PAYMENT AND HD TO APPLY ALL OVER AGAIN. 

OCWEN PROVIDED ANOTHER MODIFICATION A FEW DOLLARS HIGH AND THE FIRST PAYMENT WAS DUE IN THE MONTH OF XXXX BY THE XXXX. I ONLY MADE A PARRTIAL PAYMENT BECAUSE THERE IS {$570.00} SITTING IN UNAPPLIED THAT SHOULD BE USED ALONG WITH THE PARTIAL PAYMENT SUBMITTED. WHEN I CONTACTED OCWEN CUSTOMER SERVICE TOLD ME THAT THE MODIFICATION HAD BEEN CANCELLED. XXXX. 

LET OCWEN GO ON UNEMPLOYMENT AND THE INVESTOR OF MY LOAN GO ON UNEMPLOYMENT AND SEE HOW ITS LIKE. THEY WILL ALL MISS XXXX IN THEIR 18K GOLD TOLIET BOWELS. 

TODAY I RECEIVE A ETTER THAT MY NAPPLICATION IS DENIED FOR A MODIFICATION BECUASE I MISSED THE PAYMENT THIS IS XXXX AND DISCRIMINATION AAGAIST ALL HOMEOWNERS THAT ARE EXPERIENCING HARD TIMES. AS WELL AS I HVE BEEN FIGHTING FOR 8 YEARS AGAINST OCWEN AND THE INVESTOR TO WORK WITH ME BUT THEY REFUSE TO ABIDE OF THE LAWS TO HELP HOMEOWNERS. 

THIS MATTER IS NOW BEINGING HANDLED WITH CFPB. I AM NOT CONTACTIUNG OCWEN ON THE PHONE FOR ASSISTANCE. THIS IS ABSURED. AND NEED ASSISTANCE AND REFUSE TO GIVE UP MY HOME OVER MY DEAD BODY. IF THEY ASSISTED ME AGAINST ALL THE COMPLAINTS I SUBMITTED WITH CFPB THIS HOME WULD NOW HE HALF PAID OFF. 

MY APPLICATION ALSO STATES THAT MY REQUEST FOR MODIFICATION AGSIN HAS ALSO BEEN DENIED. I WAS ALREADY IN A MODIFICATION STARTING THE MONTHLY OF XXXX NOT XXXX OCWEN IS PLACING ME IN UNDUE STRESS AND THIUS XXXX IS UNACCEPTABLE AGAIN AND ALL COMPLAINTS GOING FORWARD WILL BE SUBMITTED WITH THE CFPB. 

OCWEN IS ONLY A DEBIT COLLECTOR AND THEY DUE A POOR JOB AT THEIR JOBS AND ASSISTING HOMESOWNERS,
I am a victim of ID Theft almost 2 decades, SSA issued me a new SS # almost five yrs ago due to my identity being so badly compromised.It was being used in three states which no one could figure it out.Police reports, FTC reports, Affadivits any and everything you name to VALIDATE my claims.Creditors continue to sell these debts that do n't exist and that we 're fraudulent opened, when I send valid documentation Their response everything matches.I continued to add supplements reports and as officers has stated whoever had my ID it matched.What more could I do but continue to DISPUTE.NOT FAIR TO ME, I AM THE VICTIM NOT THE SUSPECT.I AM GETTING TREATED LIKE XXXX.THAT HAS GONE ON SINCE 99.
XXXX : Earnings Withholding Order for Taxes, Account Number : SR AP XXXX. 

XXXX. XXXX XXXX of XXXX Account XXXX. SR AP XXXX DOC # XXXX Filed : XX/XX/XXXX ( {$20000.00} ). 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX of XXXX Account XXXX. SR AP XXXX DOC # XXXX Filed : XX/XX/XXXX ( {$20000.00} ). 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX Recorder Identification Number : XXXX, Filed : XX/XX/XXXX ( {$20000.00} ) ( XXXX XXXX XXXX XXXX. XXXX XXXX Recorder Identification Number : XXXX, Filed : XX/XX/XXXX ( {$20000.00} ) ( XXXX XXXX XXXX
I 'm not claiming that I was n't late on this account. I 'm asking for a courtesy removal because I was under the impression that this was set up to be auto paid and clearly it must not have been. That being said, I 've made all of my other payments on time since opening the account and continue to do so.. This would be a one time courtesy removal I am requesting, and will not be request again.. I would be happy to show you a copy of my credit report if you would like to show my timeliness on all of my liabilities. I take my credit very seriously being in the XXXX XXXX industry.. It is extremely important being a lender to have a good credit history. I 'm a XXXX XXXX XXXX with XXXX XXXX XXXX XXXX and this could potentially affect my licensing. Thank you for you assistance in this matter. My cell phone if you want to reach out to me is XXXX XXXX XXXX XXXX.
On XXXX XXXX, XXXX, Equifax reported a breach for over 143 million consumers due to a breach of consumer data from their system. The issue was known by the company on or around XXXX XXXX, XXXX and they failed to inform the consumers of the issue. Before they notified consumers of the breach, the CEOs sold millions of dollars worth of their stock. I checked their website and found that me and my adult children could be part of this breach. I have been able to freeze my credit on the other two reporting agencies but can not do this with Equifax. I have tried multiple times starting on XXXX XXXX, XXXX to freeze my credit with Equifax both online and via customer support with no success. The website will not give me a PIN number to freeze my credit. The robo messages that I receive when I call tells me to submit my personal data in a letter that only goes to a XXXX XXXX in XXXX Georgia. There is no way that I know that my data would be compromised again since I can not certify or register the letter due to the letter being sent to a XXXX XXXX address. I do not plan to do this. When I eventually get to talk with a customer support representative they tell me they can not freeze my credit by phone. A promise of a supervisor to call me back was noted on XXXX XXXX, XXXX and no one returned my call. I have also contacted the FTC and filed a complaint. The consumers never signed up with this company to deal with my credit. We as consumers should have lifetime monetary coverage by this company in the event that our identity information is compromised in the future. They should be the responsible party to correct this issue on a lifetime basis with no cost to the consumers affected. many consumers can not afford the cost that could be incurred due to this breach.The CEOs who sold their Equifax stock prior to the reporting of the issue should be held responsible. They should place all of their sold share profits in a fund to help the consumers recover any losses incurred during our lifetime. The CEOs should be fined and sent to prison for knowingly failing to fix their security issue when first told back in the Spring of XXXX. This whole process is full of negligence and failure to protect the consumers of the United States. Please remember the 143 million + consumers affected by this travesty and do what is right and just for the citizens of the United States. Thank you.
As part of my estate planning to make sure my wife and children are taken care of when I die I created a living trust with my wife in XXXX XXXX with my wife and I as the sole trustees. We have always titled all of our properties in the name of our trust since that time including our residence at which had a HELOC with Wells Fargo Bank. In XXXX we bought a new primary residence and unfortunately made the bad decision to finance it with Wells Fargo Bank , N.A . Besides the fact that the origination process was horrible and their fraudulent flood department that is part of Home Equity made us get unnecessary flood insurance ( subject of previously filed complaints ) I am now being harassed by Wells Fargo Bank , N.A . about holding my property in the name of a trust. First I got a letter stating that I needed to fill out forms, notarize them and include copies of my trust pages which I did. Now I received a second letter from XXXX XXXX, a VP ( that according to customer service does n't have a phone number I can use to speak with her so I 'm not sure if she is a robo signer ) stating that I have to have a modification agreement recorded against my account. When I called Customer Service to speak with them they said that my account would be restricted if I did n't complete the forms ( it is already restricted due to a short sale in XXXX ) and that if I do n't comply and keep my account in good standing they are going to take actions including possible foreclosure. 

I continue to have problems with this bank even though I have over XXXX accounts with them. CA state law allows for individuals to have properties held in the name of a trust and still have a loan on them yet WFB seems to think that they can usurp state law and create their own rules. Also it 's important to note that WFB does n't have a problem with the Conventional XXXX loan that they service since that is n't their money but when they have a portfolio loan they create complex billing situations ( see other complaints about how they steal money by misapplying payments ) and harass me about my estate planning.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. I have someone that was using my name for credit and rental apartments. I recently job more back to XXXX OHIO and discovered the fraudulent account. 
My name is XXXX XXXX. Please delete all variation of my name they are not accurate. The following addresses are not mine please delete they are not accurate. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
I am XXXX since XX/XX/XXXX. I was unemployed but receiving unemployment until XX/XX/XXXX. Ive comtinued working for an agency of XXXX and was hired at XXXX XXXX XXXX XXXX in XXXX for 2 weeks and then another job for XXXX XXXX XXXX in XXXX, Ca. While I XXXX XXXX XXXX XXXX Since XX/XX/XXXX til XX/XX/XXXX. I no longer have any banks since my wallet was lost since XX/XX/XXXX. I had closed my account with Bank of America by telephone. I got no access through mail due to XXXX. I have no idea why Bank of America is putting a block on my name which is preventing me from opening a bank anywhere. I left out of country on XX/XX/XXXX til XX/XX/XXXX. Recently I received a check from XXXX and XXXX fir some settlement. It was issues on XX/XX/XXXX, While i was out of country. Now my check are not able to get cash or deposits due to Bank of Anerica put a hold on my account, dissabling me. Im able to residenwith my brother sharing a room with my parents. And gon na start my job nearby. But with my problem with XXXX, my checks are just useless. Please help me get back on track and I cooperated with Bank of America but they said even if I would pay the bank will not let me open an account. So therefore, my hands are tied and now stuck in the past.
In 2009 I had checks stolen from my ex-husband 's home, in which I did not reside at the time. The person who stole them cashed them at various stores and banks. He and his girlfriend were prosecuted but at the time I did not file identity theft because I was busy trying to pick up the pieces of my life. I did not know about this until the detective contacted me because this person was caught at a bank cashing them. I do not remember the detectives name, the person who was charged is XXXX XXXX.
ERC, XXXX XXXX XXXX, XXXX, XXXX is trying to collect a debt never owed, claiming it was to XXXX. My XXXX account is paid in full and has been. The account numbers do not match, but they threaten to assume it is a valid debt if I do not contact them in 30 days. They are scamming me and I want it stopped, I also do not want my credit impaired by them, and I would like full charges pressed against this company.
Aargon Collections ( XXXX ) calls my work line ( XXXX ) on a daily basis. They ask for someone who is n't mean and I do n't know. I have used the automated system to say it 's not me. I have told numerous live operators it 's not me. Yet they still call. I talked to them again Friday and warned them I 'd file a complaint if they called again. They too promised I 'd be taken off the list, and yet I got another call today.
I have contacted the credit bureau, all 3 on several occasions about items that are reporting on my credit report. These items it either not mine or was settled inn my divorce, in which I am not to be responsible for. I have asked that they remove these items from my report and provide me with the paperwork and they have failed to do so .. The accounts are XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX .... These accounts are hindering my life.. I do not want to take a different approach and get an attorney
On XX/XX/XXXX, I reached out to the CEO of Capital One via email. The email I sent over was a goodwill letter asking for forgiveness and an adjustment for 7 late payments that I acquired from XX/XX/XXXX to XX/XX/XXXX. I explained in the letter that my late payments were due to financial hardship. During that time, I had lost my job and suffered XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I received a call from a XXXX from the executives office on XX/XX/XXXX regarding the letter basically informing me that theyll look into the matter and by the end of the week, I should expect a response. The following day, I received another call from XXXX at the executives office stating theyre not willing to adjust the payments but refused to inform me why they chose to decline. Attached is the letter that I sent via email to the CEO.
My husband and I submitted applications for the Chase XXXX Visa Card on the same day ( I believe XX/XX/2017 ). We were both told approval status was pending. My husband received two letters telling him he needed to contact Chase to verify that he had, in fact, submitted the application. I never received any letters. When my husband called on XX/XX/2017, he verified his identify and was approved. I then inquired after my application and was told it had expired and could n't be reactivated as it was out of the 30 day reactivation period. I asked to be connected to a manager and, after being put on hold for 20 minutes, was hung up on. I called again and was told I would receive a call back within a hour. I told them I was willing to wait, but they said that was n't possible. I received a message 3 hours later. I called back a third time and was finally connected to a manager, who again informed me I could n't have the application reactived because I was out of the 30 day period, even though I never received the letter and had applied on the same day as my husband. I would reapply but the card is no longer open for applications.
Over a year ago I had an open account with Citizens Bank. The account was accidentally overdrawn {$2.00}, and I was charged a huge fee of {$35.00}, which is 1502 % interest. I called the bank to explain that I could n't cover the overdrawn amount ( now {$37.00} ) until the XXXX when my direct deposit was scheduled for, and they indicated that they would continue to charge me fees for not being wealthy enough to cover their ridiculous fees. I explained that this was unacceptable, and that I would be closing my account and taking my money with me if they did n't stop posting fees to my account, as this policy obviously only affects poor people who ca n't cover the initial huge fee and turns into a vicious theft of money. I do n't get to charge the bank 1502 % interest when they borrow money from me, so this is an abusive relationship. 

Citizens Bank continued to charge my account, and I followed through on my word to leave as soon as the XXXX rolled around and my deposit came though. I withdrew and transfered my money ( minus the first {$35.00} fee ) and left the bank. 

I went to work on XXXX XXXX down in Massachusetts, and after working a 16 hour shift, made sure to file paperwork canceling my direct deposit before driving 4 hours home. The next day I began calling payroll and leaving detailed messages ( they never answer the phone ) to ensure my check would be mailed to my address and not sent to a bank. 3 weeks later I still had not received a check and began calling payroll again, to eventually find that my paperwork and phone calls were ignored, and a direct deposit of $ XXXX was sent to Citizen 's Bank. I checked the account and it had been closed ( as it should have been ) before the deposit was made, but payroll claimed the amount was never returned to them. From what I can gather, Citizens Bank has been holding my {$340.00} paycheck without my permission or an open account, for over a year now, and I have n't seen a penny of it.
On the morning of XXXX XXXX, 2016, we received a call from Synchony Bank about a delinquent Sam 's account. According to my wife, there have been multiple calls including concerning dialogs on " sending the police out to your house ''. With verification of the last XXXX of my SSN and address it was determined that it was not my account and that they made a mistake. I then requested to talk to a supervisor " XXXX '' who said that the company made a mistake. 

My concern, it that my family and myself were harassed based on only my name. These types of call should not be allowed based on limited searches with just the name. I understand the need to collect on bad debt, but I believe that his company and Sam 's should be held accountable for these types of collections practices.
CFPB complaint against Ocwen Loan Servicing Per Ocwen Loan Servicing policy, Ocwen reports to all credit bureaus each month on every customer. Per Experian, Ocwen did not report for XXXX XXXX. This date reflects as " data unavailable ''! This credit bureau entry clearly shows that Ocwen never reported for this month. Per the previous complaints filed with the CFPB against Ocwen, these complaints reflect that Ocwen Loan Servicing reported " D no payment history available ''. Per Ocwen Loan Servicing website, the credit history letter request dated XXXX XXXX XXXX reflects that Ocwen is showing on their system, XXXX XXXX as " no payment history available this month ''! Per our payment history sheet dated XXXX XXXX XXXX, our XXXX XXXX payment was received by Ocwen Loan Servicing on XXXX XXXX XXXX. Per our credit history sheet dated XXXX XXXX XXXX, Ocwen reflects in there system for XXXX XXXX as " D no payment history available this month ''. Attached are documents for the CFPB to review! 
As you can see, this has been on ongoing issue with Ocwen Loan Servicing, bad business practices. Ocwen loan Servicing failed to report to all the credit bureaus for XXXX XXXX even though Ocwen received our mortgage payment in advance! Ocwen has failed to update their records and all the credit bureaus months later. Ocwen Loan Servicing is violating our rights to have our mortgage payment history be reported accurately each month! Ocwen 's policy to freeze credit reporting during a complaint violates our rights and possibly federal and state laws! Ocwen 's policy does not exceed federal and state laws! We request that Ocwen Loan Servicing corrects this issue immediately, reports accurately each month to all credit bureaus and verifies that the information that Ocwen employees put on our account must be accurate each month! Failure to do so must result in action taken by federal and state agencies for violating our rights!
Help me get them to apply the extra XXXX they received over 2 weeks ago to pay off a promotion. 

, I paid {$280.00} to pay off my promotion that ends XX/XX/2019. The balance on the XX/XX/2019 promotion and I paid {$280.00} more than 2 weeks ago and yet it is not reflected on my account. If my automatic draft deducts {$120.00} from my checking account on XXXX then it will be the wrong amount as I already paid off one of the promotions 2 weeks ago.

To avoid paying Deferred Interest Charges on these promotion ( s ), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date I paid extra but they still didn't apply to my correct account. they did this before and I don't want my credit to suffer again from in correct billing XXXX XXXX : CustomerXXXX XXXX : Initial Question/Comment : Hello, I paid {$280.00} to pay off my promotion that ends XX/XX/2019. The balance on this XX/XX/2019 promotion is {$280.00} and I paid {$280.00} more than 2 weeks ago and yet it is not reflected on my account. 

My minimum payment is {$120.00}. which comes out of my checking account automatically but I called in and paid an additional XXXX to pay off a promotion. Now my account is being drafted again and that XXXX is not applied to pay off my promotion. 

They said I must pay off promotion before the expiration date or I will have to pay all the interest. I paid it early because they have done crazy billing practices that make me late when I have auto debit and as well as call in to make extra payments. Help me get them to apply the extra XXXX they received over 2 weeks ago to pay off a promotion. 



XXXX XXXX : SystemSystem : XXXX XXXX has left this session!
There is a hard inquiry on my credit report from XXXX XXXX XXXX in XX/XX/2018 that should be removed. I have not signed up for telephone service and dont have an account with the company. 
I have disputed the inquiry but it has not been removed from my credit report.