WillisBack/dataset-financial-user-claim huggingface dataset:
On multiple occasions beginning on XXXX XXXX XXXX I have requested that Freedom Mortgage pay my full property tax bill. They have not done this despite several phone calls and emails. There is sufficient balance in the account to pay the bill but Freedom Mortgage will not pay them because of an internal email advising customers reps to tell clients they can not do this without a valid tax bill however the a valid tax bill has been provided several time. This was told to me by XXXX XXXX ID XXXX
XXXX   XXXX  reported on my credit report that the first major delinquency was on  XXXX    XXXX  . The problem is I filed Chapter  XXXX  bankruptcy prior to  XXXX   XXXX  reporting the delinquency to the credit bureau.
I was married XX/XX/XXXX, and have contacted the three credit card beauro 's to update information on my credit that was either outdated up not correct spring of XX/XX/XXXX. 

The three credit reports came from XXXX, Equifax Currently I am trying to purchase a home, and the lender has stated, that all three companies have my name still incorrect, in many variations. 

Each credit company has told me that they could not update my name until lenders or credit card companies send in information of the updated name, because that is where the name changes come from. One has stated they can put my name as AKA but also keep all the other names on file. 

My problem is I have notified these companies months ago about the updated information, the mortgage lender will not approve my home loan without the information updated to show my legal new name despite the fact that the previous names were the names used for credit and they have a marriage license to prove so. 

I need this information updated asap. The banks had my updated information since early this year, and the social security office as well the passport office. All my government official documents have been updated, and the credit beauros are causing my loan to possibly be denied because they have not correctly updated my information even though I have joint accounts with the new last name, banks with the new last name. 
Thank you
I attempted to access my money market account and was told the account was dormant even though I did everything requested by the bank to keep the account active
I received a letter in the mail ( dated XX/XX/XXXX ) from Capital One, stating that they needed a physical street address from me. It was noted in the letter that they can not accept a P.O. Box. To avoid having my account restricted, they needed to hear from me by XX/XX/XXXX. 

I called them on XX/XX/XXXX ( the date I received the letter ). I explained to them that I do not, and never have received regular mail at my physical ( residence ) address. That being said, I had no problem giving them my physical address, and proceeded to give them the info they requested. I also gave them my cell phone number. ( I have a land line number, which I use most often and which I called them from. ) They wanted to know why I do not have a mailbox at my home address and I explained to them that mailboxes have been routinely smashed and/or vandalized on my rural country road. My husband and I have lived at this address for 29 years, and have NEVER received regular mail here. It is our opinion that PO Box addresses are safer. They can not be smashed or broken into. Our identity is less likely to be stolen. 

The representative I spoke with was very understanding. My credit card account was not closed. 

But then in XX/XX/XXXX, when I ordered an item from XXXX, I was told that my Capital One credit card was again restricted. I was astonished. Immediately I called Capital One and asked WHY. Again they said they needed my residence address. I told them I had already provided it to them in XX/XX/XXXX. They said they did not have it. So I gave it to them again. They apologized and immediately lifted the restriction. I thought, well this company definitely has a departmental and/or communication problem. 

But that was not the last of it. Yesterday I ordered an item from XXXX. This morning I received an email from XXXX telling me the credit card I use with them ( Capital One ) was again restricted. Mind you, I regularly order from XXXX and my Capital One card had been working fine. This time I truly became angry. I called the company at XXXX XXXX  ET and was told that my account had a balance of {$37.00}, and had been closed. Well, I knew my balance for the month of XX/XX/XXXX was higher than that, so I asked where the {$37.00} figure came from. I was told they had applied all of my earned reward points to my XX/XX/XXXX bill, leaving it with a {$37.00} balance. I was flabbergasted. I was outraged. By what authority did they have the right to do that? I always pay my credit card bills IN TOTAL as soon as I receive them! And all of this was done without my knowledge or consent. I was transferred to a representative named XXXX ( ID # XXXX ) who claimed he was not aware of my situation and would need time to investigate it. After a lengthy and heated discussion, he agreed that I had done nothing wrong and the problem was with them. He told me he would need 10 days to get back to me. Meanwhile, my account is suspended. 

I am considering seeking legal action against this company.
Received a call during working hours from XXXX. The caller would not identify company name or purpose of call, but was asking for my personal information and social security number. Finally, she stated she was with Williams and Fudge, but would not tell me what the call was regarding, and kept asking for personal information : social security numbers, etc.
I closed my checking account and two weeks later a debit went through from a company whom I had notified of my new bank account number. Apparently it was n't processed in time enough before the debit hit my bank account. That happened with another company as well. So the bank opened up my account without my permission and let charges go through without notifying me that my account had been reopened by the bank and late charges incurred and also monthly service fee was applied even though I had closed my account. I spoke with them and the balance I now owe is {$160.00} dollars. Unless I pay it all off my account will stay opened and monthly service charge will continue. I should only be liable for the merchant charges. This is illegal for the bank to reopen my account after I closed it. The XXXX charges that came through should have been denied but instead they reopen my account, charge me XXXX overdraft fees and monthly service fee. I owe {$32.00} for XXXX and {$13.00} for XXXX which is what I am willing to pay. 
Thank you and please advise.
Nationstar Mortgate falsifies an escrow short of the amount {$21000.00} to demand an increase of {$1800.00} in monthly payment
I pull my credit report and it shows the last payment on my mortgage XX/XX/2017 and the account is closed. The balance is incorrect as well. 

I have called and reported to the credit bureau several times.
I applied for a Chase XXXX credit card online. It was denied even though I have excellent credit and other credit accounts with Chase. They claim I can not prove I am me and suggested I check my credit reports. I got all three credit reports and none has any false information. I correctly answered ALL of their security questions but they continue to tell me I am not the person applying for the card. I am XXXX, so I have had several names and addresses over my lifetime ( birth name and a few marriages ) but the same name for 32 years, the same address for 16 years, the same phone number for 16 years, etc. I have even had the same email address for more than 20 years. There are not, and have never been, any fraud alerts on my credit reports.
Hello, I had a Walmart credit card account open in XXXX and paid it in full in XXXX XXXX for the amount of {$1400.00}. I recently received a bill from the creditor with a opened balance of XXXX. I called Synchrony Bank and they researched my account and stated that my account was paid in full and a new balance show up on XXXX XXXX. I stated to them how could I have a balance when my account been closed since XXXX and paid off XXXX XXXX.
To whom it may concern, In XX/XX/XXXX I noticed I had a bigger than normal monthly payment due on my Chase Credit Card which I use mainly like a checking account. I pay all my bills and expenses through this credit card account. I inquired about the purchases that month and realized that many of them I had no idea what they were and how they got on to my account. I have been for the past year working on starting my own company and honestly havent had time to sit down and review each purchase for months of statements. I then decided to hire an accountant to oversee all my finances and the history of each account. His name is XXXX XXXX and was referred to me by a close friend. After a month of researching this account he discovered the massive fraud that has been taking place in my Chase credit card account for years. The fraud dates as far back as XX/XX/XXXX. The charges are total for the 2 years are adding up to approximately {$76000.00}. Chase is working with XXXX XXXX who is representing me on my behalf and has met some resistance trying to get the fraud clear up with charges that are older than 6 months ago. Since I just re3cently discovered the fraud I fell that Chase Bank USA should credit me back of all the fraudulent charges from when they began till the day I shut down that credit card. I just want in a resolution the fraudulent charges that I paid for credited back to me in a timely manner. Thank you for your time.
Good Morning, Not too long ago, I obtained a copy of my Credit report and was shocked to find a credit inquiry by from the following companies ( XXXX, XXXX and equifax ) listed below and that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it beforehand. Please have this inquiry removed from my credit file because I believe I did not authorize this inquiry. I have reached out to each company several times with certified mail, phone calls and faxes and no responses. This is hindering me daily with fixing my credit for not only for myself but to also become a homeowner in the near future. 

Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. 

I would appreciate your immediate attention to this matter. Kindly forward me documentation that you have had the inquiry removed. 

Otherwise, please send me proof of such authorization, if you find that I am confused, and you did have my authorization to inquire into my credit report. 


XXXX & XXXX that should be removed did not authorize XXXX/XXXX Inquiry from XX/XX/XXXX & XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Equifax that should be removed did not authorize XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX
On XXXX XXXX XXXX I submitted a compliant against Ocwen home mortgage servicing my loan because at that time I had been held in default since XXXX unable to make any payments while my loan was bought and sold numerous times. 2 years later XXXX XXXX i am still in the same situation but now after having been assigned 4 project managers with Ocwen and filled out and sent in all my HARP required information 8 total times I have had no choice but to file for bankruptcy because my total amount owed now with late fees and penalities over 7 years has my loan repay over XXXX on a loan which was XXXX but never allowed to make payments in 7 long years. I have spent XXXX on lawyers assisting me to stop their foreclosure efforts 3 times over these seven years. Each time I thought I was going to have a deal worked out with them I would be blind sided with papers of Ocwen trying to foreclose on me while I am in the middle of my work out programs with the assigned counselors. In XXXX I received a letter telling me i was denied a refinance program due to my income which was reported XXXX less then the information i provided them. Then the VERY NEXT DAY I received another letter telling me i was assigned a new counselor and to send in all my required paperwork after I had just sent in all my information and having monthly conference calls with the project manager to ensure I sent it all in. Then the letter would tell me that once all the proper paperwork was received no further action on foreclosure would occur over the next 30 days of the review process. The same letter I received 6 times. 2 times i did n't received anything for my submission.. It is so confusing at this point that when I speak to attorneys they look at me as though I am making this up. i need to move on with my life and bankruptucy due to a loan they will try to collect from me for XXXX would destroy what is left of my future. I do n't even have a solution at this point I am speechless and they need to know how lives are destroyed. lastly I have every single email, fax, paper and letter over the years as well and did everything a consumer was asked to do such as I attended all monthly assigned conference calls with counselors. I met counselors at the XXXX who were as stunned as I was with my situation. It has consumed and ruined much of my life these past 7 to 8 long years
I signed up for a new PNC cash reward credit card and was suppose to get a bonus of {$100.00} when I spent {$1000.00} or more in 3 billing cycles which I did. Unfortunately XXXX and PNC both blame each other for I not receiving the promotion and have refused any compensation after numerous phone and bank correspondence. I am now asking the CFPB to send both XXXX and PNC this complaint for a timely response for failing to honor and advertised promotion and reason why and ask they include the legal address to send any possible future notices of appearance if unable to resolve this matter. Furthermore, this complaint was sent to the CFPB to take note that it may upon further investigation possibly trigger discovery of predatory banking practices and unfair business practices with possible violations of the Dodd Frank and Consumers protection acts. Opening new accounts and credit to cosumers under false pretenses is not only unfair business to consumers it is also unfair to big banks like XXXX and XXXX XXXX XXXX who offer competing offers.
hi, my mortgage was with countrywide until XXXX than bank of america claim they have the mortgage at the same time my husband and i helping my father with medical and haspital bills he was XXXX .we ask and wrote bank of america hard ship/forbearance loan but bank of america did not get us but modifacition loan trial XXXX modification trial application satart XXXX but delay after delay paper after paper we didint get loan trial start until XXXX we start to pay XXXX, XXXX, XXXX, XXXX, XXXX but check we pay in may they send send us back i dont know wahat happend before we do bank of america foreclosure on .after all we new aplication new paper work restarted.on XXXX XXXX we write letter to deman XXXX is our lender after we cosult a lowyer andread some information bank america mortgage froud /modification froud bank america send me a letter XXXX XXXX saying bank of america was a servicer and my lender /investor is countrywide ... my XXXX years home for my still on foreclosure, i cant affort to pay XXXX {$20.00} for a lowyer.we bought XXXX years ago for {$82.00}. we cant get credit to fix ac/bathrooms/kitchen/roof/floor need list XXXX {$75.00} now bank of america get me to sign loan modification for over {$120.00} we are suffer, XXXX and frustrated XXXX years, my husband had a XXXX XXXX XXXX from stres we need help.
It 's BB & T calling every morning at XXXX in an attempt to collect a debt for a charged off account. This phone number does not belong to the person owing the debt, but does belong to a relative of the person. It 's annoying because its not a live person but a recorded message. Please stop these calls
XXXX Bank is reporting as the original creditor on my credit report and this company is out of business and have been since XXXX. This is a collection company posing as the original creditor. The last delinquency was in XXXX and now they reported a payment being delinquent in XXXX. This collection company is playing games with the law. I have not been delinquent on any accounts in the past 4 years. How can a collection agency pretend to be the original creditor. I want right to sue.
MY NAME IS XXXX XXXX. I HAVE TRIED TO OPEN A NAVY FEDERAL CREDIT UNION ACCOUNT IN ORDER TO OBTAIN A AUTO LOAN WITH MY MOTHER, WHO IS A XXXX XXXX, AS A CO SIGNER. MY ACCOUNT WAS CLOSED AND WAS DETERMINED TO HAVE BEEN REPORTED TO EARLY WARNING SYSTEMS FOR FRAUDULENT ACTIVITY, AND PLACED ON A BLACKLIST FROM A TRANSACTION ON OR ABOUT XXXX XXXX 2013. I CALLED BOTH EARLY WARNING SERVICES LLC AND XXXX XXXX XXXX. I HAVE SUBMITTED AND FAXED ONLINE AND IN WRITING DISPUTE FORMS, ALL OF WHICH HAVE GONE UNANSWERED OR DENIED BECAUSE OF THE TIME FRAME. I AM XXXX  YEARS OLD NOW, HAVE A XXXX YEAR OLD SON, AND WAS NOT INFORMED FROM ANY EMPLOYEE ON HOW TO GO ABOUT DISPUTING A FRAUDULENT CLAIM AND PROVING MY INNOCENCE. I NEVER MADE FRAUDULENT DEPOSITS TO MY ACCOUNT EVER, AND NOW THEY ARE TELLING ME THERE IS NOTHING THEY CAN DO ABOUT IT. I AM GOING DOWN TO TAKE OUT A POLICE REPORT WITH XXXX XXXX XXXX, AND ALSO FILING A LAWSUIT AGAINST BOTH XXXX XXXX XXXX AND EARLY WARNING RECOVERY SYSTEMS LLC FOR THEIR ACTIONS. I HAVE TRIED TO MAKE IT RIGHT, OFFERED TO PAY THE 400-SOMETHING BALANCE I AM NOT RESPONSIBLE FOR. ALL OF WHICH MY EFFORTS HAVE BEEN IGNORED. THANK YOU FOR YOUR TIME, I AM AVAILABLE THROUGH EMAIL OR CELL PHONE AT ANYTIME.
I received a letter initiating " collection action '' for a purportedly unpaid utility bill. The mailing address was correct, and I have an account with the utility company, but the addressee was " XXXX '' ( I have a residential address ), and the account number given was not mine. I have never received a bill from the utility company with that addressee name.
I submitted disputes on XX/XX/XXXX with all three credit bureaus to correct the payment history for 13 student loans from the same provider on my credit report. Each loan showed late statuses as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, for a total of 39 late ( 90-120 days ) on all three credit reports. Each of these loans was in forbearance during these periods, so no payments were due. As part of my dispute I submitted documentation from the loan servicer ( on their letterhead ) showing the periods under which the loans were under forbearance. Upon speaking with XXXX on XX/XX/XXXX, I was informed that the dispute had been completed and the loan servicer denied the document was indeed theirs and refused to further discuss the status with the reporting agency. 

I asked the representative to explain how they validated the debt in accordance with my dispute and was advised that they had no documentation to support listing this item on my credit report or confirming the dates that show as late payments. The representative advised there was nothing they would do to validate the debt or the accuracy of the reporting. This is a violation of the FCRA as they have admitted to being unable to validate items on my credit report.
Hello, My name is XXXX XXXX and I have inaccurate information listed on my credit report. This inaccurate information is currently being reported to Equifax and XXXX. I reached out to both the company reporting the inaccurate information and the two credit agencies listed above several times ; and nothing has been done to remedy this false information. Ive requested this information be removed when I first found out about it XX/XX/XXXX, and again XX/XX/XXXX. FYI, I waited a year to do the second dispute because I was under the impression this was corrected and removed after my first dispute in XX/XX/XXXX. The company reporting the incorrect information to the credit bureau is XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, and their phone number is XXXX. Based on the information listed on my credit report this is a collection for {$160.00} from XXXX XXXX Hospital. I dont owe either one of these companys money, this collection states its from XX/XX/XXXX, so I dont remember specifics since it was so long ago, but I pay all of my bills and have excellent credit outside of this false information. Please advise me of my options to get this information removed. Im also concerned my personal medical information has been shared without my consent. <P/>Thank you, XXXX XXXX XXXX
Mediation was done in court between NationStar attorney and borrower at the beginning of XXXX 2016. The agreement was to get the modification packet request to Nation Star.Modification request was sent by there due date. Left message with account manager on XXXX/XXXX/16 also spoke to XXXX who advised of other docs needed. These were faxed. Left another voicemail with acct manager on XXXX/XXXX/16. As of to date no return call from account manager. I spoke to a representative today, XXXX/XXXX/16 who advised me that the account is closed and house went up for sale on XXXX/XXXX/16
Back in XX/XX/XXXX I got contacted by US Student Aid supposedly saying that they were calling from US Department of Education to help me forgive my loan due to my school ( XXXX XXXX XXXX ) being closed and sued for misleading students and unfilled promises. I proceeded with the application process and paid them a fee for them to complete and submit my application. They told me I got approved for loan forgiveness. Recently I tried to apply for a personal loan and I found out that I had severe delinquency w/my student loan that was supposed forgiven. I immediately contacted them and found out they have been sued by the US Federal trade commission for scam and fraud on XX/XX/XXXX. I learned that my loan approved and forgiven was transferred to XXXX XXXX XXXX   that I owe money and accrued interest ( from XX/XX/XXXX to current ) on my student loan. 

I've asked XXXX XXXX XXXX to stop the delinquency, but they're not able to help me with my credit issue until my claim is resolved.
I am one month behind on my credit card bill due to changes to income and family sitatuion that were unexpected. I have cummunicated my current situation to the people at Synchrony Bank and it is like they do not care. They are calling my phone XXXX times per day a lot of times right after XXXX and within 2 hours of each other. This is harrassing and starting to affect my concentration at work as they are calling all day. I will pay them once I obtain the money ... told them this as well. My credit used to be XXXX and now has decreased to the XXXX since my hardship. I keep my word but trials come up that you must handle and this is one of them. Please help ... I am sure they are harrassing others as I and I am only one month behind. Next step is considering legal action for emotional reasons. Thanks for this site to vent.
Thank you for taking the time to read this letter.
Navient gross mishandling of my student loan payments has resulted in me receiving erroneous late fees, capitalized interest charges and negative reports being sent to the 3 major credit reporting agencies.
I have unsuccessfully attempted to get a straight-forward answer from NAVIENT Student Loan servicing for the last two years as it pertains to how my student loan account. My questions are specific to how my payments have been applied, why I have been charged 18 late fees ( some months I was charged a late fee twice in the same month ) in months that my payment was not late and why I my student loan interest was capitalized in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Navient continues to ignore my complaints.