WillisBack/dataset-financial-user-claim huggingface dataset:
I fell behind on my mortgage payment due to lose of employment and was unable to catch up with late payments and I have attempted to get help from mortgage company but my loan switched banks several times and have n't been able to get the assistance in was hoping to get, now am employed full time and able to continue with my mortgage payment and keep my apartment
XXXX CFPB : TARP Fund Recipient Bank of America violated RICO and TARP by interfering with and denying me HAMP/HARP. I demand to Close on the Refinancing effective XX/XX/XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX
On XX/XX/2018 Mr. XXXX was denied a credit limit increase for reasons that were not relevant in XX/XX/2018 when a credit limit increase was approved and eventually granted. This is a direct violation of the Equal Credit Opportunity Act ( ECOA ) as stated by FDIC Compliance section IV 1.1 " A lender may not refuse to extend credit or use different standards in determining whether to extend credit. '' In XX/XX/2018 a credit limit was granted, in XX/XX/2018a credit limit was denied. Same credit reports, different results, different standards.I have attempted to resolve this with no resolution at the executive level. No success.
Last year around XXXX 2016, Nordstrom out of nowhere froze my credit card with them. I have tried every attempt to contact them through their online messaging center and through phone. Every single time I message, they do n't give any answer other than to call them. Every single time I call them, they do n't tell me why my account is frozen, and do n't tell me what I can do to unfreeze it, do n't tell me who I can talk to or call, and they never call me or follow up to continue the conversation so that I could reach a resolution.
I received a notification that my home owners would be in default as it was not paid in XX/XX/XXXX. I went to the bank servicing my mortgage which had an escrow to pay my insurance on XX/XX/XXXX and was told they had hired a new 3rd party to handle these transactions and was having troubles. They contacted my insurance agent on XX/XX/XXXX that it was the bank error and that payment would be expedited. 

As of XX/XX/XXXX, payment still not received so I have paid in full against my credit card to avoid cancellation which would be on XX/XX/XXXX.
I am concerned about the validity and accuracy of the recent investigation done by Transunion..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP.. I am trying to get a job promotion which obviously comes with a raise.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I received a gift card from a student for XXXX from TD bank Because I didnt use the card until now the funds have been depleted for inactivity, although there is an expiration date of XX/XX/XXXX I wanted to know if this is legal since I did receive other cards from other banks at the same time and have been able to use them And if it is legal, it is certainly not fair. 
I hope that you can help me in this matter
THIS IS A NEW COMPLAINT WITH NEW INFORMATION! XX/XX/XXXX I fell behind on bills. XXXX Chase credit cards were among them. I was XXXX for them XX/XX/XXXX when they were out of the Texas statue of limitations. This does n't stop Chase from reporting them in collections on my XXXX credit report or attempting to collect.
Like I stated before I was told to send not one but another letter. To state the other circumstances. That I had XXXX. Was on meds that affected my judgement and made me so weak I had to stop taking the meds. Had a neighbor that was taking care of my mail. Which I never was contacted or did I know I had to pay. Because I never saw a statement. I also told them to look at my history with them. I always paid my card when it was due. That and I was told if I did this my credit score would be corrected and my account would be put back in excellent standing. I have worked hard to keep my scores to where they are. If I would of been aware of this I wouldn't be making a complaint.
I reported a fraudulent charge on my credit card to Synchrony Bank They sent a fraud claim form that I completed and sent back. 
I then received a letter from Synchrony denying my Fraud Claim. 
" Customer released account information to a third party '' was the reason given for the denial. On the fraud claim I told them that credit card information was given over the phone to XXXX for a purchase. 
My wife XXXX who is also authorized on this account made the phone call. Information was not given to a third party. 
A fraudulent charge was made for {$7400.00} from XXXX on XX/XX/2016. We did not make this purchase nor did we received anything for this charge. 
It is a completely fraudulent charge.
there was delay in paying quartarly charge : {$100.00} The invoice was misplaced, that is how it was delayed. 
as soon as I see new remainder I paid the due amount on XX/XX/2018 XXXX XXXX. 
Now I got a Letter from so called A.R.M solutions Inc XXXX XXXX  XXXX XXXX, CA XXXX Ph : XXXX asking me to Pay the same amount again which I paid already on XX/XX/XXXX to Original Service Provider. I have evidence of my payment to original service provider and receipt of payment is attached here. 

I called the both XXXX XXXX XXXX and also ARM Solutions each one of them are saying Talk to other party, NONE is able to resolve the issue. 
Client Acct # XXXX Agency Acct # : XXXX Client Name : XXXX XXXX XXXX  this is CLIENT for XXXX XXXX XXXX.
I previously had a General Motors credit card. I allowed the card to lapse about three years ago. I cut up the cards and there has been no activity on the card for over three years. 

In XXXX of 2015 the credit card management company, Capital One allowed a vendor, XXXX, to make a charge against this card. 
I had previously allowed my membership to XXXX to expire. I disputed the charge made by XXXX in XXXX of 2015. 

Since that time I have seen the original charge along with overdue charge to continue to grow. I complained a second time in XXXX of 2015. As of yet this has not been resolved. 

This account was closed. 
The vendor had no right to make a charge against me. 
The vendor had no right to make a charge against a closed card.
My account with XXXX was sold to XXXX and recently they were going to subpoena me to court if I did n't pay {$300.00} dollars. So I did n't want to risk going to court and pay fees so I agreed. The so-called debt collectors are called XXXX Management. I checked out their website and it did n't look credible. Is there anyway you can find out if I have been scammed? I know my money is long gone by now but I want to know if I really paid my debt. Also, when I checked my account with XXXX it said I only owed them {$75.00}.
I am filing this complaint against Pinnacle Credit Services , LLC. This is the first letter I have ever received stating I owe XXXX ( South Dakota ), XXXX {$27000.00}. I have never received a loan of any sort from XXXX. I do not know what it is for, unless it is security fraud. Please check into this for me, because I am not sure what it is about. The reference no. is XXXX, and there phone number is XXXX.
The company XXXX has been consistently reporting incorrect information in my comments that account is closed at consumer request They have reporting balances as the account is good standing and never late but refusing to update status to open since is account open with a paid statement every month. This has been going on since XX/XX/XXXX. I receive automated letters saying it will update in 30 to 60 days. This is my 3rd letter of this kind saying that. The last one in XX/XX/XXXX but Experian investigated with a reponse that account closed with a Balance deceasing every month.
My XXXX XXXX XXXX XXXX XXXX # : XXXX and XXXX XXXX XXXX XXXX # : XXXX is lost/stolen, and all of the transactions on both accounts, are fraudulent and unauthorized, and dont belong to me.
hello we have a card with company we where never late XX/XX/XXXX we had an emergency my father passed away and i had to leave out of the country but calle this company and informed them but they still charged me the late fees and reported me as past due to credit agency
My private loan was serviced through Navient Loans. My payments were taken through automatic debit. On XX/XX/XXXX, I received a letter, which stated that I owed {$66000.00} -- this was fine and what I expected. I continued making payments that month. However, on XX/XX/XXXXafter a payment had been made, I was informed ( erroneously ) that I owed {$71000.00}.

When I inquired why my loan amount had been increased by {$4300.00}, I was told in a letter that Navient was told by my school that I was not an actual student during my noted years in school. When I corrected this by providing documentation that I was a student, I did not and continue to not receive any restitution from Navient. There are multiple issues in this case where Navient has acted fraudulently : 1. I never received any documentation from Navient regarding this increase in my unpaid principle. If I had not been monitoring my monthly payments, I would have never known about this increase.

2. Navient has retroactively increased my principle on their website. i.e. all numbers from the XX/XX/XXXX and before reflect this increased principle amount of approx {$4300.00}. If I did not have these pdf letters given as monthly statements, their website actually makes it appear that I have always owed an extra {$4300.00}.

3. Their claim that the amount was increased because my school claimed that I was not a student during this time and had " withdrew '' has already been debunked through documentation. This claim is fraudulent, the school denies it, so the claim was designed to fraudulently increase the loan amount. In addition, after being caught in their lie, even through numerous inquiries ( approx 2 months worth of waiting for their " internal review '' ), Navient has refused to address the simple solution ( pay me back this amount that they defrauded from me ) and instead has let this fester in their own internal process.
XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, MI. XXXX ) SENT A COLLECTION NOTICE FOR XXXX ON XX/XX/XXXX. I CANCELLED MY MEMBERSHIP IN XX/XX/XXXX BECAUSE THEY CANCELLED XXXX XXXX AN EXERCISE CLASS AND THE REASON WHY I JOINED THE GYM. THE COLLECTION AGENCY STATED THAT I OWE FOR XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. I HAVE PROOF THAT I CANCELLED THE MEMBERSHIP AND CALLED TO SPEAK TO XXXX XXXX ( MANAGER ) WHO APPOLOGIZED AND ACKNOWLEDGED THAT THE AMOUNT IS WRONG BUT STATED THAT HE COULD NOT DO ANYTHING ABOUT IT BECAUSE IT HAS ALREADY BEEN SENT TO COLLECTION AGENCY. FIRST CREDIT SERVICES , INC. XXXX. XXXX   XXXX XXXX XXXX XXXX, XXXX, NJ. XXXX IS WHO SENT TO COLLECTION NOTICE ON THEIR BEHALF. I ALSO SPOKE TO XXXX AT THE GYM WHO STATED THAT THE AMOUNT IS WRONG HE WOULD NOT GIVE ME HIS LAST NAME BUT XXXX XXXX WHO ALSO WORKS AT THE GYM SUBSTANTIATED THIS INFORMATION.
I have never in my life did business with Capital One when looking at my credit report I noticed they were on there I am a victim of identity theft I did put a dispute with my credit bureaus about Capital One is a fraudulent account I did contact Capital One and they said they will note it on their account and erase it on file and contact my credit bureaus to delete it and they still have not done so please have them deleted from my credit report there has never been any type of business between me and them please have them stop playing with my credit report adding things on there and not listening to my consumer rights. they have been rude and do n't want to listen to anything I have to say I 've never done business with this company in my please remove my information that was falsely given to you.
On my credit report. It says I owe XXXX to some said company. This was back a year ago. It says dispute was resolved ; customer disagrees. I closed my cable account and gave them equipment back and left for the military. This is till showing I owe it a year later. I want this off. It has no reason to be there. XXXX dollars for a whole year and I do n't get called on it anymore? It is not needed to be on my report and needs to be fixed.
I have sent several letters to XXXX, XXXX  and Equifax on ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) requesting re-investigations into the accuracy of the account, XXXX XXXX XXXX XXXX. The credit bureaus did not verify the accuracy of the account and continues to report wrong payment histories, high balance wrong amounts, incomplete account number. When you look at the reports that I have included in this complaint, you will see that Equifax is reporting that I have I was 90 days late in XXXX but XXXX  is reporting that I was 120 days late in XXXX ; XXXX  is reporting that I was " OK '' in XX/XX/XXXX, but Equifax reports that I was 120 days past due in XXXX XXXX. XXXX  is reporting that I was 30 days late in XXXX all through XX/XX/XXXX. If I have requested multiple investigations in the accuracy of this account, how come these bureaus are reporting three different payment histories, along with different high balance amounts? I am being treated entirely unfairly and my credit rights have been violated. Please delete this report as these credit bureaus are not complying with the FCRA timelines for investigation or accuracy of accounts.
I have been unable to get a credit report from experian. I believe there are wrong information and would like to review all of my credit scores. I have n't had a credit card in a long time and need to find out what is on the credit reports they say I am entitled to a free report but ca n't seem to get in contact by phone or online.
cra and hippa violation taking more than 30 days inaccurate information sent the po report too many to count the equifax breach has cost me my life they are taking more than 30 days not 100 % correct
I have a large student loan debt with Navient ( formerly XXXX XXXX ) due to going to medical school. I understand having to pay interest on all loans, however, I do not understand how over the last six years since being done with residency, I have paid a total of {$180000.00}, {$150000.00} of which has gone to interest and only {$32000.00} toward principal. 
Over these last six years the yearly amount of principal paid is as follows : XX/XX/XXXX : {$6400.00} XX/XX/XXXX : {$860.00} ( yes, this is correct ; less than one thousand dollars ) XX/XX/XXXX : {$6100.00} XX/XX/XXXX : {$7300.00} XX/XX/XXXX : {$2600.00} XX/XX/XXXX : {$9200.00} I 'm happy to include any documents needed. 

Having this large debt persist has prevented me from being able to purchase a home and, hence, I have been losing money in rent. 

In XX/XX/XXXX, I wrecked/totaled my vehicle and had difficulty getting approval for a new one.

I 'm desperate for help in this matter and the idea/hope for some form of resolution to this. 

Thank you for your time
XXXX XXXX I purchased a truck was already preapproved but the car lot ran my credit 18 times
FRAUDULENT NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3.  XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX 2. XXXX XXXX XXXX XXXX, XXXX XXXX FL. XXXX 3. XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX FRAUDULENT PHONE NUMBERS : 1.XXXX 2. XXXX 3. XXXX 4.  XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX 13. XXXX
This car was a total loss XX/XX/XXXX. The pay off was {$18000.00} XXXX paid {$16000.00} XXXX paid {$580.00} XXXX paid {$520.00} XXXX paid {$510.00} XXXX paid {$260.00} Add everything paid comes up to {$18000.00} That would leave {$310.00} left to pay. I have tried to talk to customer service several times to see way my bill is {$830.00}. I would like to get this resolved and paid if you could help me understand the difference between my calculations and yours. 
I would also like to know way you waited until XX/XX/XXXX to send a letter to XXXX to cancel and get payment from them.
I have been working to restore my credit in order to qualify for a mortgage. Recently I paid off an old charge off and my credit score namely  my FICO2 w hich is used by lenders took a severe hit. I started the month of  XX/XX/XXXX  at a  XXXX . In an effort to increase my score I paid off an old charge in full. My score was then dropped by the   XXXX    agency to a  XXXX . The explanation offered by  XXXX  was because I had paid on an old account that it warranted my score dropping even though the account was charged off for 2+ years. This does n't make sense since I had also paid off prior charge offs in the months of   XX/XX/XXXX      and  XX/XX/XXXX  and my score increased. But it gets worse. It 's public knowledge that  XXXX  was going to remove Civil Judgements if they did not have a social security number associated with them. I had a civil judgement from   XX/XX/XXXX   ( which was satisfied in   XX/XX/XXXX  ) r emoved from my credit report on or about  XX/XX/XXXX .    My FICO2  score dropped another   XXXX    points to a  XXXX . I have attempted to reach out to the  XXXX  Agency for an explanation into their scoring methodology. They can not explain such a large drop in less than one months time. Nothing else on my credit report has changed. No new debt or derogatory items were reported. I find this whole process to be inequitable and inexplicable. Like many Americans I ran into financial difficulty during and after the financial crisis. I am only attempting to qualify for a mortgage like I had prior to the crisis. I never had a bankruptcy or foreclosure. Despite doing the right things and paying old debts my score continues to drop. How is this fair to the consumer?
I tried freezing my credit with the 3 credit bureaus and Equifax is the only one that I'm having problems with. I logged in through their website, it has problems saying comeback later or has problems logging me in ( see attachments ). I have tried multiple times to fix this issue and have tried on different computers. I have tried resetting the password, but the email never comes. I find it particular offensive with Equifax since their negligence allowed XXXX XXXX of America 's  personal information to be stolen. I request that they fix this issue immediate and/or that the CFPB investigate the business practices of Equifx and their freezing process.
Back in XXXX of this year, I had a XXXX completed at XXXX XXXX XXXX. At the time of the XXXX, I paid {$30.00} on a credit card toward the bill. Since then, XXXX XXXX has not tried to contact me regarding a remaining balance. 

On XXXX/XXXX/2016, I received a letter from Venture Financial Services. They state I owe {$31.00} to XXXX XXXX XXXX XXXX XXXX. Because the bill is not itemized and the date the services were incurred was not listed on the bill, I can only assume it is related to the XXXX. I am not willing to pay this bill unless Venture Financial provides me with an itemized explanation for the charges which demonstrates I owe {$31.00} above an beyond the {$30.00} already paid back in XXXX. I am also concerned that XXXX XXXX did not process my {$30.00} payment correctly, primarily because they were undergoing a computer system change on the day of my appointment. The problems they were experiencing delayed my appointment considerably and this can be verified through their coordinator at the XXXX XXXX XXXX XXXX location, because I lodged a formal complaint about how disorganized they were on the day of my appointment and communication about my XXXX following the appointment. I am including a copy of my receipt from XXXX XXXX for your records.
Loan No : XXXX Property Address : XXXX , AZ XXXX Consumer Financial Protection Board Since XXXX, I have in six occasions applied for a loan modification and in each occasion the loan modification has been denied for what I believe is not enough reason or evidence for the denials. In two occasions I have file a complain with the Consumer Financial Protection Board. However, no resolution of this case has come to fruition for me as a consumer. The case numbers for my prior complaints are XXXX and XXXX. 

We are requesting that XXXX and its servicer Bank of America modify this loan to acceptable terms in the industry ( 40 years fixed rate at 4 % or lower ). We are currently paying a rate of 5.625 % 20-year fully amortized loan. After having paid without missing a payment interest only at a rate of 5.625 % for 10 years. I am currently unemployed and for the first time in 10 years, I was forced to skip a payment XXXX XXXX, I will not be able to pay XXXX XXXX either. We had to replace the AC unit at a cost of {$5000.00} dollars. Fact that escaped the underwriters at Bank of America having shown proof of these facts. The underwriters also dismissed the fact that the loan also recast in XXXX XXXX. This fact, was not taking in consideration and the only solution they want is a Short Sale on a property I bought with 25 % down payment. Bank of America 's underwriters insist that there is no evidence of hardship. Underwriters also state that we have over {$25000.00} dollars in liquid assets. Fact that is not factual as I discussed at length with Bank of America Relationship Manager. 

I will greatly appreciate your assistance in fulfilling your charter as a Consumer Protection Agency. 
XXXX XXXX
I contacted Sears to increase my credit limit for me to buy one of their product I was denied such increase then received a letter from the company explaining the reason which was XXXX unsatisfactory credit and/or derogatory public record references ) I called the company XXXX/XXXX/2015 for more explanation since I was positive that I have no public derogatory on my credit account the customer service was not sure then confirmed that there is nothing on my credit history
I contacted my financial institution ( Chase Bank ) to report my stolen personal checks and to file a fraudulent check claim and Chase refused to send me an affidavit and failed to take any information regarding my case.
The credit bureau is incorrectly reporting a " XXXX XXXX '' account on my credit report. According to my credit, it was opened in XXXX XXXX for a debt of {$1300.00}. The account number is : " XXXX ''. I have never had any business dealings with this collection company. I do n't know who they are or why the credit bureau is reporting that I have a debt with them. This is not the first time I have disputed this account, I have sent written disputes on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to get this removed but time after time, the credit bureau has dismissed my disputes as frivolous and they refuse to remove this from my credit. I want to add that XXXX has no record of this account. When I sent the same dispute, it was confirmed that the account did not belong to me and was promptly deleted. How can there be a different result for the same investigation between XXXX and this credit bureau? This does not make sense. This is why I am taking my complaint to the Consumer Financial Protection Bureau.
American Express policy of membership reward point forfeiture in the event of an involuntary card termination is not enforceable under consumer law. Although my card was recently involuntarily terminated, due to a bankruptcy filing, the account was in good standing XXXX since XXXX ) and the reward points balance was approximately XXXX. Had I received any amount of advance notice, these points could 've been easily been redeemed. 

My bankruptcy has been dismissed, with no debt discharge, yet American Express refuses to re-instate the membership rewards balance and permit a one-time transfer. 

Please help.