WillisBack/dataset-financial-user-claim huggingface dataset:
I was charged a late fee even though a credit to my account ( from a return ) well before the payment due date more than covered the minimum payment due. They stated this is part of their policy but their disclosure ( Regulation Z / Truth in Lending Act ) did not include any such criteria/language. I repeatedly asked to be directed in their disclosure agreement where it stated a credit ( such as a return ) does not count as a payment. They were unable to do so and provided a copy of their Regulation Z / Truth in Lending Act disclosure ( the same one I already had ). I am aware of this practice as such a disclosure is clearly noted for an account of mine from different institution. I offered to provide this example to them but they were not interested.

When I asked the name of their regulator, specifically for UDAAP and Regulation Z, I was told the FDIC and then later told to XXXX  that information.

My phone calls to them lasted 35-40 minutes each, largely spent being transferred or on hold.

The late fee is now the only balance on my account.
I submitted a request for mortgage modification from my Nationstar Mortgage and I am into the 3rd and final month of trail modification awaiting new loan. I found yesterday from my home insurance company ( XXXX ), after I notice they have not been paid by Nationstar and we called to see why. I have left several messages for my ever changing " Dedicated Loan Specialist, '' who is now, XXXX XXXX ( XXXX ) but, have yet to speak with her. Her assistant call me and I attempted to call back at number provided, but of course no one answered. Get to the point, my insurance company was told by a Nationstar representative that they were going to forclose on my home and they do n't intend to paid escrow insurance payments to them. They never intended to give me a modification! They are valuing my house at {$320000.00} and I had an independent real estate company pull comps and they determined that our home at max is worth {$100000.00} on today 's market and that they suggested it be listed at {$94000.00}. I sent all info since they said assumed the value at about {$160000.00} initially. Well if that is the case then why are you basing the modification loan at {$320000.00}? Also, I had asked who is my lender and they would not give me a straight answer. I am still trying to find out who actually brought the foreclosure or if even they had the right. It was not XXXX XXXX the trustee and it was n't Nationstar the servicer. The court just walk over the issue and allowed this to happen without have them produce valid proof. We did not sign anything in bright blue ink! Loan documents or at least ours, was done in black! I do n't believe that there assignment docs are in order either and I have been unable to get copy. That was part of my formal request to them to know who the real lender and holder of my mortgage was.
I opened an account in order to do a balance transfer from a Citibank card to XXXX XXXX. I attempted the transfer online but it did n't seem to work and I never received a confirmation from XXXX XXXX. I contacted them and did the transfer over the phone a day or XXXX later. The transfer took place but I noticed a negative balance on Citibank. It turns out the first transfer was processed. I have contacted Citibank to get a credit to my bank account to set everything straight. Citibank said the credit would happen in 3-5 days but it has now been 10 days. I contacted them again and now they are saying it will be two weeks.
I paid this debt down to XXXX $ and then they suddenly say I owe XXXX $ + dollars. I do not appreciate it and then just today I get a certified letter that says They will do legal actions on me by XX/XX/XXXX which is crazy for the debt I do not owe at all. I think they are trying to purposely due it because I owe nothing and did not until they started this. They purposely edited it and said I owed XXXX $ + They now expect me to call telemarketers numbers that I do not trust and talk about my personal information and they call like 10+ times a day. Which is very harassment fully. I did nothing to generate the amount at all. No one but them did it. I owed nothing at all on the card and such. They make you call things that are not even related to the debt and you talk to some company who does not state their name. Just some untrustworthy call center and the first notice they put they gave me a CELL PHONE number which means it is a fake debt because I know I owe nothing in 100 % honesty.
MY NAME IS XXXX XXXX XXXX I WAS VITICM OF IDENTIY THEIF SOMEONE STOLE MYWALLET IM XXXX YEARS OLD I DIDNT REALIZE IT UNTIL PULL MY CREDIT. I IMMEDIATELY WENT TO MY LOCAL POLICE DEPT. DET XXXX XXXX WAS ASSIGN TO CASE IT WAS APPROVE. THE ACCOUNTS ARE XXXX XXXX, HSBC BANK, XXXX XXXX, XXXX, XXXX XXXX XXXX, AND XXXX XXXX
We received a settlement offer letter. We accepted the settlement and paid the amount in full in a single transaction. Collection agency for Citibank - Sears Card was XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MO XXXX. We continued to receive balance billing with interest from Sears. Contacted Sears who referred me back to XXXX. Several transfers and long hold times. XXXX was helpful in offering to provide a " paid in full '' notice, but Citibank refuses to review or provide any assistance.
On XX/XX/2018, I noticed that there were 9 transactions on my account when I woke up that morning I noticed these transactions were done between the hours of XXXX and like XXXX, while I was sleeping. I reported it immediately thru their automated system, I could not dispute the transactions until the opened at XXXX. The total amount that was taken out my account was XXXX, plus fees, this card was stolen by either my secretary or my sister, they were the only ones in the home at that time. Of course they are both denying it, so I have to dispute. These people have access to my paperwork in my home, which I do have a book that I have to write everything down in. I reported this immediately, now I have to wait 10 business days for them to tell me if they can issue a provisional credit to the account, the sad back is that I have a daily withdrawal limit of XXXX on my account, they can not tell me how or why this was able to take place. Reading their disclosure I have a zero liability thru XXXX, and I have a credit card, and when it means zero liability they are supposed t issue provisional credit during the investigation. I am so upset with the lack of customer service.
s Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission.
I have recently been a victim of fraud and have place security freezes and fraud alerts on all my credit reports. Listed below are accounts that I did not approve the following for my credit to be ran. Please review and delete this information from my Transunion credit report. I have reached out to them several time via phone, fax, and email and have not received any response. This is causing me a lot of pain and suffering. 

XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX- Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry fromXX/XX/XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX
As far back as XXXX 2012 I have experienced identity theft. My previous dispute was initiated because of this fraudulently opened account. I wrote to the credit bureau about the collection agent and disputed the debt reported by XXXX XXXX XXXX and the creditor XXXX I and have had no response from XXXX ; XXXX ; Equifax or have I received any assistance in clearing this inaccurate information from my credit files. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.
I filed 3 disputes with collection agency and have been in contact with creditor several times. I do not owe money on the old account. My contract expired, i did not renew and company owes me my security deposit. Credit bureau refuses to remove the inaccuracy
I just got off the phone with Navient, better known as the student loan servicer from XXXX. They call me repeatedly about being behind on my private student loan. I have been reaching out to them every since XX/XX/2018, before the loan increased from XXXX to XXXX to let them know that I am currently unemployed and am unable to keep up with this loan increase. Their reps responded via phone stating that their guidelines now require them to deny anybody a income based program offer if the payment increase is below XXXX. I am tired of being harassed by them with automated phone call. They call me daily at XXXX XXXX   saying by recorder please call XXXX and they can help. However, when I call them, they are unable to help me. I just spoke to XXXX on XX/XX/18 and she told me the same thing however she told me about forbearance which I was never notified of. They probably have more programs but are not offering them to consumers.
An unauthorized withdrawal was made from my checking account with wells fargo. they were informed, XXXX emails, XXXX phone calls, They have not answered the emails, put me on hold then hung up with the phone calls. Refuse to refund my money, but continue to charge me overdraft fees, for items that would not be overdrawn if they had taken care of the unauthorized withdrawal. In short, they refuse to help and are making money off their refusal at my expense. They are extremely arrogant.
I 'm having an issue w/ fedloan switching me from PAYE to IRB without a clear reason some time after I consolidated my loans with them last year. I 've spent hours talking to them on the phone and they do n't have a reason for why this happened and keep telling me they will look into it. No progress has been made and they basically stop responding to me until I contact them at which point they say they will do a review of my acount. Please see below for my most recent email exchange with them : From me XXXX XXXX XXXX : Hello. On XXXX I spoke with a representative about my repayment plan. I had qualified for the PAYE but for some unknown reason I was switched to the IBR plan ( this was months ago ). At that time I asked why I had been switched and there was no clear reason they were going to submit it for review to have me switched back. This did not happen. On XXXX I spoke with a representative about this again and I was transferred to someone more senior who said again that there is no clear reason why I was switched off of PAYE ( or why my review either was n't done or did n't result in any meaningful conclusion ) and that she would submit another request for review. I want to know what the status of this is and if/when I will be switched back to PAYE. If I will NOT be switched back I would like a clear explanation of why instead of " oh that is strange lets submit it for another review. '' Thank you for your time. 

From FedLoan XXXX XXXX XXXX Please accept our apologies for any inconvenience or confusion that this situation may have caused you. We wish to work with you to achieve successful repayment of your student loans. 
Unfortunately, due do the applications date of XXXX XXXX, XXXX, we are unable to reprocess this application to have the Pay As You Earn Repayment plan applied to your account. To have the Pay As You Earn Repayment plan applied to your account, you will need to request this on a new application. ( They then explain how to do that ) From me only XXXX XXXX XXXX XXXX, I do not understand your explanation of why I was not on PAYE in the first place. Please elaborate. I can not make a standard payment X 1 month to switch plans. I would prefer to not request forbearance as I think it will probably end up costing me more money in interest ( on IRB there is some interest benefit right? ) I 'm sure you can understand my frustration as I have been told that I did indeed apply for PAYE and was erroneously placed on IRB without an explanation. If you are unable to resolve the situation I 'd like to speak with a supervisor. I recertified my current plan under the advice of the agent I last spoke with on the phone who recommended I do that while they sorted out why I was n't on PAYE. 

From FedLoan XXXX XXXX XXXX : At this time, FedLoan Servicing is comprehensively reviewing your account to address your concerns. We apologize for the delay in responding to your email. However, please be assured that a response will be sent to you once our review is completed. 

We truly apologize for the inconvenience and confusion that this situation has caused you.
A bit of historyI was a victim of identity theft in late XX/XX/XXXX, early XX/XX/XXXX. I filed a police report, completed an identity theft affidavit, and provided both to Equifax ( EQ ), XXXX  ( XXXX  ), and XXXX  ( XXXX  ). The few instances I had to work XXXX and XXXX  where seamless and hassle free, EQ not so much. EQ assigned my file to The Office of Consumer Affairs ( TOCA ) in mid-XXXX XXXX when I notified them that my birthdate had been changed on my credit report. After providing them with documentation to verify my identity they corrected it, didnt seem concerned, yet refused to tell me what credit provider sent them the bogus info. Since then Ive had 3 credit cards compromised, was part of the original Equifax breach discovered on XX/XX/XXXX,  and received a letter from Equifax dated XX/XX/XXXX informing me that my personal documents ( social security card, drivers license, and birth certificate ) uploaded to them at their request, had been accessed as well. In XX/XX/XXXX EQ shared my extended fraud alert information with XXXX which is fine however the information shared didnt include my contact numbers rendering the alert useless. Although Ive been told repeatedly by TOCA that they have my credit report locked, I recently noticed that I have 3 unauthorized inquiries on my credit report which they cant explain. MY COMPLAINTOver a year ago Ive questioned some of the Associated Addresses reporting my credit report. Some belonged to relatives which didnt concern me rather the more troubling addresses wear the 3 that I have no connection to what so ever. Ive disputed these 3 addresses multiple times with TOCA however each time they come back with address used for billing and/or application purposes will appear and remain on credit file. Then last month I noticed that one of those addresses in question was now reporting as my current address. Knowing that a red flag for indemnity theft is the unauthorized change to ones personal information I again contacted TOCA and requested they investigate this and the two other addresses in question. The TOCA corrected my address, refused to tell me which credit provider sent them with the wrong address, and once again said these addresses where associated with me. Im hoping that the CFPB can direct EQ and TOCA to provide me with the name of the creditor providing the information allowing the following addresses to appear on my credit report. If this is not possible I would asked that the addresses in question be permanently deleted from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. This is the address that was used as my current residence. Its an old office build that I have no affiliation with. XXXX XXXX XXXX XXXX XXXX TX XXXX. Ive never lived or even been to Texas and to the best of my knowledge have any relative in Texas either. A quick XXXX doesnt show this is a valid address. XXXX XXXX XXXX XXXX IL XXXX. A XXXX  search shows this XXXX XXXX   is for XXXX XXXX XXXX XXXX. I have no affiliation with XXXX XXXX what so ever.
I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX, XXXX, WA XXXX DATE REPORTED : XXXX/XXXX/2007
My credit score has always been in the mid to high 700 's, with no late or missed payments and a steady decrease in credit card debt. My mortgage company, XXXX, advised me on XX/XX/2018, that my mortgage had been sold to a company called XXXX. My mortgage was and continues to be current and, in fact, my latest mortgage payment was made on XX/XX/2018. 

I check my credit score regularly and was astounded to see that XXXX and Equifax had decreased my score by over 50 points, because it was reported that my mortgage account with XXXX had been closed. It was later noted that my mortgage loan had been transferred. I went online, only to see that scores of mortgagees had seen their credit scores drop by as much as 100 points due to the sale or transfer of their loan to a different mortgage company. 

I checked with XXXX and Equifax, both of which told me that there was nothing that could be done until the new mortgage holder began to report on time payments, which could take up to three months. When I checked with both XXXX and XXXX, I was placed on a conference call with both entities, both of whom sympathized with my situation and indicated that the score would be repaired within 1-3 months. 


I would like to know how a mortgagee, without fault, delinquency, missed or late payments could see a credit score plunge simply because his/her loan had been transferred by the original mortgage company to a new entity? What if someone needed to apply for a loan? What is the potential damage to a mortgage holder with such a dramatic decrease in a credit score. Is this even legal? 


I would appreciate your investigation of this practice, since my experience is not isolated, as my simple XXXX search indicated. All I typed in was " My mortgage was sold and my credit score plunged '' and there were multiple accounts ( some even worse than mine ) of instances where credit scores were dramatically damaged without fault or legitimate cause. I pity the poor soul who does not monitor his/her credit score and who applied for a loan, only to be subjected to a humiliating failure to obtain credit.
Received a collection notice from Convergent trying to collect a debt of  XXXX . When I contacted them to find out what the debt was for I was told it was on a   XXXX   XXXX   for a purchase in  XXXX  at   XXXX   XXXX   XXXX  . I was told last payment was made  XX/XX/XXXX . Have never received any notices on this debt & have no idea about this charge. Ca n't believe they waited 12 years. Convergent received info from   XXXX   in  XXXX  & has just now sent out the notice to me. Have no documentation since I have no idea about this charge. I never received any notices to even dispute the charge.
There is item in collection on my credit report. The collection agency is called XXXX XXXX. Its for {$230.00} owed to XXXX. 
I have never had XXXX account. I live in XXXX and we do not have XXXX here. 
I have been trying to get copy of the invoice or some sort of documentation or proof of this invoice. XXXX is giving me run around. This has been going on since end XXXX 2015. I am at my wits end because I do n't know what to do. My daughter lives in XXXX and has XXXX account. Maybe its from her, she still has XXXX and she knows nothing about this invoice. This is affecting my credit score which I have been working very hard to improve.
I have set up an account with XXXX to monitor all XXXX of my credit reports. I have noticed several XXXX inquiries reporting on all XXXX credit reports that were not authorized by me in anyway. Rather than submitting XXXX dispute at a time regarding the unauthorized inquiries, I have attached a word document showing all unauthorized inquiries reporting on Experian.
On XX/XX/XXXX, I stopped into XXXX XXXX XXXX, where I am a frequent customer. The people there informed me they had received a WAGE GARNISHMENT in the amount of XXXX. I do not now, nor have I EVER worked there. I was a customer in good standing, now because of this illegal disclosure of debt elsewhere, I can no longer do business with them. I asked to see the paperwork they received as I knew NOTHING about it. They declined to share this with me. 
I then went and did a online search and came across the documents in XXXX County, Ohio courts. These documents are incorrect as filed by Levy & Assoc. There are 3 different amounts they claim I owe just in the single filing their filing supposedly files XX/XX/XXXX does NOT match the amount of the " judgement '' they included. and they further change the amounts in the affidavit they sent to XXXX XXXX XXXX, the address " Levy & Assoc . '' CLAIM to have mailed all documents to is incorrect as shown in their " proof of mailing '' - and I note that while they claimed to have sent certified, there is no proof of service from USPS in the file. The address in the headers of filing has correct address. My social security number is on the documents they sent to XXXX XXXX XXXX, and I have the names and addresses of alleged other debtors and amounts owed attached to MY file [ see notice of court proceeding ] So they have not only infringed upon my rights but those of at least 9 others and who knows how many more people they disclosed private information to in their mailings. 
Further, the judgement lien that they claim to now " own '', was adjusted back in XXXX through state of Ohio Dept of taxation, as THEY made an error and I sent them the proof they requested at that time making the balance XXXX, I never received any further communication from them stating I owed anything- now 2 years later I get this?. 
I have NEVER received a single communication from " Levy & Assoc '' in regard to this or any matter. 
I find it to be neglect and I feel intentional that they can get the correct address on the documents they FILE, but can not get that address correct when supposedly mailing me notification of pending court actions.
My bank account by Wells Fargo bank is being rubbed over and over again, my complaints have been without a result this is been going on since XX/XX/2007. I have many letters of confirmation but no action. It has been costing me money as well as lots of other XXXX. I am almost certain that the XXXX employees of the bank are sabotaging my account. This is not a single case. The force behind it is " American XXXX congress " please take action