WillisBack/dataset-financial-user-claim huggingface dataset:
After submitting all necessary documentation required for my loan application Fairway Mortgage did NOT notice that one of the items on my credit report was showing " in disputed ''. The week prior to close they had me sign a paper advising the credit bureau that the item was no longer in dispute. In so doing it changed the last activity date on the disputed collection to XX/XX/XXXX disqualifying me for the loan on the last and final day of closing. Had they done their due diligence and noticed it during the initial application process the pain, anguish and expense would have been avoided. Due to their error not only did we NOT move into our home the next day but we lost, what to us, was a substantial amount of money. 
This could have been completely avoided had Fairway Mortgage done their job appropriately.
Dear CFPB, I had a checking account with TD bank, which seems like was overdrawn by error. I had linked my TD Bank to my XXXX credit card. By error it seems like the software submitted multiple ACH requests. 

I learned from TD bank that I was negative ~ {$200.00}, however, in less than 4-5 weeks, TD bank charged me more than {$250.00} in fees. They sent this amount to collection and closed my account. 

I am XXXX years old. I had only XXXX checking account. I am kindly requesting TD bank to please reopen my account and please remove the fees. I want to pay the overdrawn amount ASAP. Please ask the collection agency to not send this to credit agencies, otherwise it will damage my credit history. My credit score was close to XXXX, which now might have been damaged significantly. 

I will greatly any help from TD Bank. I was traveling XXXX XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX has already removed all Fees associated with these ACH debits. 

I apologize to TD Bank. 

I will greatly appreciate if you can help here. 

Thank you.
I keep getting calls from Midland Credit XXXX. They call multiple times a day with different XXXX numbers. When you inquire about the issue they do not give you enough information. They say this is about general collections, they give no creditor they are collecting for or any way to dispute their entry. They have bought my charged off debts and are not disclosing any information on resolving them. Midland just says that this is an attempt to collect a debt but does not give you anything else.
After phone and wallet was stolen from out of my car. Bank of America allowed someone to make transactions adding up to {$4600.00} on my account without calling me to authorize a single payment! My accounts have since been closed except one account ( balance of XXXX ) that funds are being frozen for no reason. This is illegal. 

They said they would do an investigation ; they also sent me fraudulent paperwork dated XX/XX/XXXX, stating " We've issued a termporary credit for {$4600.00} while we conduct our research on your claim. '' Another document stating also a credit of {$1900.00} on XX/XX/18. And a third stating that they removed all of the before mentioned funds from my account. Remember all three documents were all created on XX/XX/XXXX, immediately after the freezing of my funds. 

They later determined stated that the refunds were not going to be given back to me even though I never authorized the transactions, my pin number was not used, and I was never alerted about an extremely unusual high spending of my funds. 

After checking my account, no funds had ever been deposited into my account. And the actions and dates mentioned on these documents are false. 



None of these
we applied for a mortgage loan, and this error is reporting on both our credit. we mailed letters to all XXXX bureaus and a direct letter to SYNCB/Care Credit to remove this account that is not ours. It was removed off my wife 's credit file, but it still remains on mine. We ca n't proceed until this problem is fixed.
XXXX Mortgage XXXX is violating the California Homeowner Bill of Rights by not modifying a loan and offering a TPP that is just a reinstatement of the loan with an upfront payment.
XXXX indicated an 'alert ' message on one of my credit cards showing my Credit Score had gone down. In reviewing my credit report from XXXX on XX/XX/2018 I noted a report called FNB OMAHA # XXXX with a balance and delinquent charge of {$47.00}. 
I have no idea what this is about nor have I received any information from FNB OMAHA.

This account must belong to someone else or my own account has been hacked. Please help me to resolve this issue. Thanks so much. Let me know what I need to do.
I and my spouse filed for chapter  XXXX  bankruptcy in  XXXX . 2017. We were aware that my student loans would not be eligible for discharge, but also that all collections attempts would face an automatic stay until the case was discharged.
At the time of filing, Wells Fargo held a private student loan for me, in good standing for 7 years. I received notice from them they that would cease all communications and stop automatic payments ( which I relied on to pay my loan installments ) after we filed.
We received a letter from Wells Fargo dated  XXXX / XXXX /2017 stating that our account, previously in good standing before filing, was in default. A Wells Fargo representative stated that it was still our responsibility to pay during bankruptcy proceedings, even though the company " could not appear to undertake any collections efforts. '' Clearly they were still attempting to collect.
The account did not show as past due on my credit report until after discharge. Wells Fargo took significant steps to make it difficult for me to pay at all, including locking access to my account online, revoking automatic payments, and ceasing to send statements.
They were able to send a default letter immediately after discharge because of an " automatic default '' clause buried in my promissory note, which I was unaware of, and my bankruptcy attorney did not inquire about. Meanwhile they have reported my account to the bureaus as " charged off '' without any attempt to contact me about supposed late status.
Clearly Wells Fargo is using this tactic to put pressure on filers to pay, and I believe they are violating bankruptcy law in demanding payment to have occurred before discharge.
I locked my credit file at all XXXX credit bureaus XX/XX/XXXX. I got my XX/XX/XXXX Equifax credit file and saw a company I do n't do business with : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I complained to Equifax. Response said was to call XXXX. There is no XXXX XXXX. at above address and XXXX XXXX. in CA said they did n't know about XXXX XXXX at XXXX XXXX. I complained again to Equifax. Response was some XXXX nonsense about XXXX doing a " soft '' inquiry into my credit file because I had some business with XXXX!! Equifax 's reply is a XXXX LIE!! I believe Equifax wants money for inquiries and other services. Since Farmers is probably a BIG money company for Equifax, Equifax looked the other way and ALLOWED Farmers to access my LOCKED CREDIT FILE!!! Equifax HAS NOT TOLD THE TRUTH ABOUT WHY THEY ALLOWED FARMERS TO DATA MINE MY CREDIT FILE. THIS IS WHY I GET SCAM PHONE CALLS FROM CALIFORNIA. XXXX HAS A INVESTMENT PRODUCTS LEADS GENERATING OFFICE IN CALIFORNIA, I WAS TOLD BY XXXX XXXX. EMPLOYEES. EQUIFAX IS TRYING TO MAKE MONEY BY PRETENDING THIS IS A " SOFT '' INQUIRY. RIDICULOUS! MY CREDIT FILE IS LOCKED BECAUSE OF SO MUCH ID THEFT AND SUCH. EQUIFAX HAS BREACHED THEIR OWN RULES AS TO CREDIT FILE LOCKING!! Equifax 's XXXX services helps firms target credit bureau data base people ( customers ) for financial services. I tried to complain by phone. All the staff are hiding behind secret phone numbers. Online help? A joke!! 
Your upload software will not let me open scanned files separately. I can upload ENTIRE scanned file which you only need XXXX scanned pages, not XXXX scanned pages. So, you ca n't see what Equifax wrote to me and credit file troubles.
I called Fed Loan services to change my student loan to an extended pay to get approved for my mortgage. The first time I called they told me that all that would happen is that I would have to opt out of IBR and then they would put me on an extended payment which would take about 10 days. I then spoke to a supervisor to try to expedite the process since I am currently living in a hotel for two months and need a letter stating what my payments would be under the extended pay so that I can get approved for my mortgage. The supervisor stated that I would have to make a payment first and that I could then be switched over. Fast forward to a week later, I called and a supervisor by the name of XXXX said that the payment I made would not count because I needed to get a bill first before I made a payment. After that it would take 2-3 billing cycles before they could switch me and give me a letter. At this point I became very frustrated because I was due to close on my house on XX/XX/XXXX and could not because of this. I explained to them that I needed a letter just a letter stating what my payments would be so that I could have a house to live in since I am basically homeless at the moment. XXXX would not budge or help me and was very rude telling me that I did n't understnad the process and that I would just have to wait the 2-3 billing cylces and that no one could help me with that. Crying at this point I asked to speak to his supervisor. She was helpful and said she would check on my account and call me to keep me posted. One week later, I am still waiting on a call from her. She has not called me to inform me and when I call I get the run around from everyone. Today XX/XX/XXXX, I am unable to close on my home on XX/XX/XXXX as scheduled. They said they are waiting on a payment ot post ( which the money has already been taken out of our bank account ) and that it would take them 5 business days to generate the letter which still does not allow me to close on my house on the scheduled date. All I need is a letter.
This call was from XXXX XXXX XXXX. They would not tell me what they were calling about unless I identified myself. My comment to them was " you called me, you must know my name ''. Their phone number is XXXX. My credit score is XXXX with one service and XXXX with anther. Why do you think they called me? I can answer that one - it is skip-tracing. I though that was made illegal in Texas during the last Legislative session.
PORTFOLIO RECOVERY ASSOCIATES is a third party collections agency that is attempting to collect on a credit card debt owed to XXXX XXXX. I can not remember the exact date that PORTFOLIO RECOVERY ASSOCIATES first reported to the credit bureaus, but I know it was reported prior to XXXX XXXX XXXX. That date was within a time frame when I first disputed the debt as I did not believe it was owed to them. 

It was removed from my credit, then they reported it again XXXX XXXX XXXX. I again filed a dispute as they had not 1 )  Notified me that this would be relisted and 2 ) the collections agency still had not supplied any proof that I actually owed them any debt. Once again, this was removed from my credit. On XXXX XXXX XXXX it was again relisted on my credit with no notification and still no proof of the debt being owed to them, or that the debt is actually not older than 7 years should still be reported on my credit report. 

It appears that their way of handling these issues is to wait until it 's removed then re-report it, to avoid having to prove they are owed the debt and also to restart the 7 year window they could report the debt. I believe that this violates the fair collections laws.
On the XX/XX/XXXX I received a letter from the XXXX XXXX XXXX XXXX. The was to collect a debt for a credit card. The debt was turned over to a collection agency and they want the same amount as AAFES. I tried nu.erous times to work with AAFES to pay my debts. I called and emailed. No response. Was told I was only allowed to XXXX XXXX money after they signed me up for automatic deductions/withdrawals that I didn't sign up for. They charged me for late fees or NSF because of this. 

They have also told me I am not eligible for this card. It is required that you be in the military or a veteran. If I am no eligible for the card, how did I get the debt in my name?
I DISPUTED SOME ACCOUNTS THAT I DO NOT OWE TO. I DISPUTED WITH XXXX  AND TRANSUNION AND XXXX, I WANT THESE ACCOUNTS DELETED ASAP, I WILL SUE IN FEDERAL COURT, AND I ALSO FILING A XXXX   COMPLIANT, DELETE ALL ACCOUNTS FROM CREDIT REPORT ASAP
In 2009 we completed a chapter XXXX bankruptcy for credit card debt, we kept both our home and vehicles. We are still living in our home and are still paying for it, we also have since paid off the vehicle and still own that and hold the title for it. However on our credit report it is showing that we lost these things in bankruptcy. We are applying for a loan modification due to the fact that my wife recently lost her job and are unable to move ahead because of this.In XXXX we completed a chapter XXXX bankruptcy for credit card debt, we kept both our home and vehicles. We are still living in our home and are still paying for it, we also have since paid off the vehicle and still own that and hold the title for it. However on our credit report it is showing that we lost these things in bankruptcy. We are applying for a loan modification due to the fact that my wife recently lost her job and are unable to move ahead because of this.
Today, I made a lump sum payment of ( {$8400.00} ) after declining Nationstar ( Mr. Cooper 's ) loan modification based on the new terms and conditions. Last year shortly after XX/XX/XXXX Mr. Cooper allowed and advised me that I could skip up to 6 payments when Hurricane Irma made landfall causing a hardship on thousands, including my household. I contacted Mr. Cooper several times to clarify the terms and conditions since they refuse to put the verbal terms in writing. Instead, after the disaster forbearance period, I was advised that ALL past due payments were due on demand, and WILL NOT be tagged on the backend of the loan, as I was advised by 3 previous reps. It was evident, the reps struggled with the backlash of the confusion Mr. Cooper 's attempt to foreclose on thousands. Instead of admitting the breach impacting thousands of mortgage holders. Since I could not afford to pay the full lump sum, I requested a forbearance payment plan after the partial payment was applied. Ironically, Mr. Cooper, a servicing debt collector only allow me to repay the past due balanced over a period of 6 months ( {$4900.00} ) EST. I became concerned again when each lump payment was posted and reversed. Since Mr. Cooper serves as a debit collection agency, no one could explain why the payments are posted, and later reversed. 
While, the Consumer Financial Protection Bureau can not control the bad customer service widespread throughout the industry. Please be aware, Mr. Cooper does have its fair share. Unfortunately, I do not trust Mr. Cooper payment process. Especially, after Mr. Cooper applied the $ XXXX to my rate modification back in XX/XX/XXXX instead of forwarding the balance since the last payment, and reinstating the loan. I still stand firm that I was penalized for the missed payments that reflected in the balance forwarded. At this point, I can no longer sit idle and witness this debt servicing agency cloud the industry with bad tactics. Please help me to understand Mr. Cooper 's applied payment and reverse methods. Seriously, concerned if all of my payments have been applied to date. Thank you,
It was announced XXXX/XXXX/XXXX that Equifax failed to properly protect my personal and confidential information which they had stored about me, by allowing it to be accessed by perpetrators unknown via the Internet. 

Further, it was announced that they have known about this breach since XXXX/XXXX/XXXX but kept quiet until XXXX/XXXX/XXXX. This is unacceptable.
This is a follow-up to a complaint I filed through your site against Ocwen for failing to provide me with the stock certificate and proprietary lease upon completion of my mortgage loan payments effected XX/XX/XXXX. 
On XXXX XXXX, XXXX, Ocwen, after trying to reach them several times, and after posting the complaint through your site, responded that they needed 30 days to obtain the stock certificate from third party trustees. However, 30 days are over today and I still have not received the promised document - stock certificate and proprietary lease. 
Instead, Ocwen sent me an e-mail with duplicate documents provided before ; i.e. pooling agreement between XXXX XXXX and XXXX XXXX XXXX XXXX. I responded indicating that such document was ( 1 ) dated prior to the Co-Op Conversion XXXX XXXX ( 2 ) signed by the sponsor who no longer has any authority over the Co-Op ( 3 ) document does n't list the Co-Op XXXX XXXX XXXX XXXX XXXX as part of the service transfer request to XXXX XXXX XXXX XXXX ( 4 ) When I purchased the apartment, I obtained financing through XXXX XXXX XXXX not XXXX XXXX XXXX XXXX. 
Based on the above, I find the pooling agreement forwarded by Ocwen, invalid. 
The current management company for XXXX XXXX XXXX XXXX XXXX is XXXX XXXX not XXXX. As mentioned before, XXXX was the Sponsor who no longer has any interest in the building and was supposed to relinquish any authority 5 years after the Co-Op conversion any way. 
Ocwen also stated that they did n't have a need to file for a XXXX continuation because the previous one had already expired. My understanding is that XXXX serves as the financial institution 's collateral of an outstanding debt. What was Ocwen 's collateral in this case. I know the loan is now paid off ; however, it is important to me to understand the reasons behind the non-filing of this document as there seem to be third parties involved on my property interest who I do n't think they should be and which I was n't aware of.
Before travelling to XXXX, I notified Chase of the upcoming travel. During the trip, I had transactions denied when trying to purchase my train ticket and the access to my account was suspended. The card has been fully paid each month, there are absolutely no debts of any kind. Because of that, during the trip I had no way to check my account for any suspicious activity. I XXXX to Chase and they were not helpful, asked me to call overseas. On XXXX XXXX, attempting to regain access to my account, I stayed on the phone with customer service for 20 minutes, had to verify my Social Security, Security Questions and also confirm a secret number sent to my mobile phone. I had to give enough information to even open a new account. Even after all that, my account was not reactivated. From XXXX XXXX to XXXX XXXX ( over 2 weeks ), I was left with no access to my account. Chase never contacted me to fix this. 
When complaining to Chase, I received even more disappointing service : - On XXXX XXXX, Chase informed my account was accessed from a unknown device. Of course, I notified I 'd be away and accessed the account from the place I notified I 'd be. This is not a valid excuse to suspend my account. I replied they had information that I 'd be in XXXX, so my account should not be suspended when accessed from XXXX. 
- On XXXX XXXX, I was accused of never including a travel notification, and that was the reason my account was suspended. I replied with the Travel Notification confirmation that I received. 
- On XXXX XXXX, Chase blamed Visa for denying the transaction and informed I 'd need to reprocess it. I tried at least twice. Again, Chase informed my device was accessed from a unknown device, even though I informed many times they had information I 'd be in XXXX, and I was trying to access my account from XXXX. Chase informed they wo n't offer any compensation, of any kind, for all these issues. 

These problems happened for a premium credit card that already charged me {$450.00} in annual fee.
Payments on my five year loan are not documented correctly. The five year loan began in XX/XX/XXXX and would end in XX/XX/XXXX. I missed three payments that I was told I could make up at the end of the loan period extending the loan three months which ended XX/XX/XXXX. The three payments were missed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Credit Acceptance Corporation shows on our credit report that we made 25 % of our payments late, Instead of showing three missed payments respectively. We never made 25 % of our payments late. For every month in XX/XX/XXXX it shows that we are 30-90 says late including the three extended months. Credit Acceptance sent me a document showing all months that payments were made on time. In addition, the document shows that the last three extended payments were made on time. Never on the credit report does it state three payments were missed and made up at the end of the loan period. The credit report states inaccurately that we made 25 % of our payments late, which would be after the XXXX of every month. Attached is the payment record from Credit Acceptance showing the dates of each payment. Credit Acceptance says XXXX  are responsible for the errors. Thank you.
XXXX of XXXX charged me for the service I do not need this XXXX XXXX, I fought it for 9 months, finally on Step 7, the XXXX wrote me a check of XXXX XXXX but actually by now citibank asked for more than XXXX XXXX this morning I called citibank, their dispuing department lady say I should pay the difference, which is very unfair. At the beginning of this dispute, I told Citibank already, the proof is in their computer records of my citicard history which showed I disputed 2 times already successfully in year XXXX and year XXXX, they did not show the proof of this to XXXX, which caused me 9 months fighting with XXXX, and got only {$120.00} reimbursement, which is not enough to pay Citibank.
Checked my credit report 4 years ago saw there was a capital one credit card in collection. Filed a dispute since then it has been reopened every year by the collection agency.
This complaint is about Wells Fargo Home Mortgage not complying in a reasonable time frame for a request of information so that we would have had sufficient information to seek legal advice and perhaps participate in redeeming our home within a reasonable time frame. 

We were asked to leave our home on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX on Monday, XX/XX/2018. We did not know that the house had been foreclosed upon and sold. 

ON XX/XX/2018 I contacted Wells Fargo Home Mortgage to request all documentation in order to seek legal advice about our rights. I spoke to XXXX XXXX XXXX Ext. XXXX. I let her know that I was needing all the paperwork in order to contact a lawyer. 

Today is XX/XX/2018. On Monday it will have been 10 weeks and we still do not have the paperwork. 

Also, My husband, XXXX, contacted a XXXX who was the person involved in removing us from our home on approximately XX/XX/XXXX, XXXX said they weren't interested in selling our home. Then the next time we heard from XXXX ( unknown company at this time ) on XX/XX/2018 and told us the movers were coming and we needed to be out of our home. We complied. 

Then on approximately XX/XX/XXXX XXXX tried to contact XXXX again. XXXX left a message. XXXX called back within approximately 2 days later left a message on XXXX 's cell phone that they had an offer they couldn't refuse on our house. 

On approximately the week of XX/XX/XXXX XXXX tried to reach XXXX again and left message. XXXX did not respond. XXXX left several messages. 

On approximately XX/XX/XXXX XXXX tried to reach XXXX again. Within a couple of days XXXX called XXXX back and left a message to say he was travelling and did not have access to the dates or any information. It is XX/XX/2018 and we still have not gotten the information from XXXX. 

The Mortgage was originally through : Wells Fargo Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Payments were due to : Wells Fargo Financial Inc. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX