WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I repaid the full balance of my consolidated federal student loan to Acs/XXXX XX/XX/2016. I have my original loan note, proof of payoff, congratulatory letter of repayment and proof of interest schedule showing I paid off my loan completely. However after many calls to ACS has not updated showing the loan as paid in full. Actually there are erroneous notes applied to my credit report saying that ACS filed with the federal government to have the insured amount of the loan repaid by the federal government to ACS. However I paid my loan in full. I believe it is fraudulent of acs/and XXXX to try and collect money from the federal government when I paid off the full balance ACS reported my loan as Negative/closed. However they need to change their notes to Paid in full /and closed on my credit report. The information on all credit reporting agencies have remained incorrect for over 12 months. My credit continues to suffer because they have not reported the paid in full status properly on my credit reports. Although I had been late on my loan prior, due to the lender not working with me on a payment structure, and divorce, I refinanced my home to pay off the full debt I owed ACS/XXXX including all interest owed.
Nationstar Mortgage has received numerous completed loss mitigation applications from me requesting a short sale on my property since XXXX XXXX. I have made several complaints against them via this website with regards to their handling of this process and my account. All of their responses deny any wrongdoing and they outright lie about their actions. Nationstar has failed to send me the customer, the appropriate notices required by CFPB regulations regarding my loss mitigation application ; utilized unfair and deceptive communication and actions ; failed to timely decision my numerous loss mitigation requests ; and most recently is guilty of dual tracking. I received a letter dated XXXX XXXX, XXXX from XXXX XXXX, XXXX attorneys stating Nationstar has forwarded my account to them for foreclosure while at the same time they currently have a completed loss mitigation application they have not decisioned. On XXXX XXXX, XXXX the current negotiator advised my realtor through XXXX that a decison could be expected this week. Needless to say, that did n't happen. Additionally, I received a letter dated XXXX XXXX, XXXX from Nationstar stating they received my sales contract and requested yet another Hardship Affidavit and that the short sale request review will not even begin until this is received. In responsse to my last CFPB complaint, Nationstar provided a list of documents they needed to complete my application. They were submitted as requested by the date they requested. And now this. This whole process has been unbelivable and completely unnecessary simply because Nationstar is not following the law. 

I require the following : 1. Remove my account removed from foreclosure. 
2. I want the complete timeline of the communications between Nationstar and my realtor since the initial short sale request was made in XXXX XXXX. 
3. I want all notices that Nationstar claims to have sent me throughout this process including but not limited to Acknowledgement Letters, Incomplete Information Notices, approval and/or denial letters, delay notifications, etc. 
4. Provide a decision on the current request. They have all the documents they have requested ten times over.
Hi, I used to have XXXX XXXX XXXX credit card since XXXX and have been using this card until XXXX XXXX. Since the card was expired, they sent new card to my address and it was never opened or activated this card to do any transactions. Currently I 'm Living in XXXX since XXXX XXXX until to date. As I 'm planning to visit XXXX again, I tried to activate this card online recently, surprisingly I noticed that the card was charged with some transaction in XXXX XXXX & XXXX, XXXX in XXXX area and it was past due until to date and reported to all credit reporting agencies. My questions is how a card can be charged without activation and that too I 'm not living in that area or in the XXXX during transactions made. I tried contacting Merchant to resolve this issue but I 'm not getting proper response. I believe these transactions are fraudulent or transactions have been made erroneously by merchant. Hence, I would like you to conduct an enquiry on this issue and resolve this issue as soon as possible as my credit history has been affected. I 'm attaching statement showing fraudulent transactions for your reference. Please let me know if you need any further information from my end to resolve this issue.
I had requested several times for American Express to close my credit card. It was a gold card with no prepaid spending limit. It took them three times to close the account and I finally received a letter on XXXX stating that per my request the account had been closed. The following day I received another letter stating they cancelled my account due to a past due balance. They have attempted to report to the agencies ( credit bureaus ) that they closed it not me which I believe to be fraud. I will acknowledge that I due have a balance and an attempting to make a payment plan with them. They will not budge American Express does not work with the clients they work against them. I contacted Amex and explained the situation in regards to the letters they deny ever sending me a letter stating I had closed the account. I have it in my possession. I informed them that I was filing a complaint against them and that fraud is involved on there part. I have the names dates and times I spoke to someone in regards to my over due balance. All I have gotten is the run around. To add insult to injury they even charged me membership fees of {$190.00}. If I closed the account and have asked several times before to close it why would you charge me membership fees if the account is either as they state cancelled this is larceny on their part. I have always made my payments to my accounts on time this year has been difficult for me due to illness and the fact that a company named XXXX me for a loop and my accounts were in limbo. I was going to do debt consolidation and came to find out thru your website that the company they use to process the payments had been fined by your organization. Second of all when I informed Amex of this they informed me that they do n't work with debt consolidation companies. So how can one state they have settled accounts with them when they do n't work with them. 

I am requesting a complete investigation into the practices at Amex. I want to make an agreement to pay the balance owed to them for a reasonable amount of money every month. I am on a fixed income and believe it or not they are the only credit card I have with a past due balance I have worked to an agreement with all my creditors to make my monthly payments. Thanks to XXXX who told me to close my accounts my credit score has gone down hill. They made the situation worse. Then to add insult to injury Amex has made my life unbearable. 

I would appreciate it if the CFPB could investigate this issue and get back to me. I want the correct notation be made to the credit bureaus " THAT I NOT AMERICAN EXPRESS CLOSED MY ACCOUNT '' They should not be allowed to get away with doing this to me or other consumers. I have been waiting since last Wednesday for a representative from Amex to get back to me with a response to this and they have yet to do so. I await your decision and hope that we can rectify this problem as soon as possible.
On XX/XX/2016 I applied and was approved for a Platinum Card with a sign up bonus of XXXX points under the condition that I spend $ XXXX in 3 months. I received the points XX/XX/2016. On XX/XX/2016 I contacted Amex customer service via chat ( screenshot provided ) and asked if me returning an item would cause me any issues with my sign up bonus of XXXX and asked for confirmation that I would get to keep my points without issue. The representative ( XXXX ) assured me that it would not cause any problems. 

Thus, I was surprised to find that on XX/XX/2016 my XXXX sign up bonus was removed from my account. When contacting Amex, they transferred me to several different departments until giving me the reason that the points were removed because of " returns ''. They then said started an investigation and put a hold on all of my remaining points in my account thus preventing me from using them during the holiday travel season. It has now been 2 months and I have received no response, my points have not been returned, and my account has been locked. I 've contacted Amex for a status update and they continue to give me the run around and transfer me to several departments until I get hung up on. 

*I 've attached a copy of my chat with the Amex customer service representative confirming that returning an item would not cause my points to be reversed. I 've also attached a copy of my statement showing the same charges shown in the chat to prove the chat was talking about the account mentioned.
This lender is now considered a predatory lender after thorough research on this company. The name is credit acceptance. I have a car financed with them and made payment arrangements on the vechicle. We both agreed that there is a contractual obligation in place but they would make an exception and allow the payment to be made late. This was considered a verbal contract made on XX/XX/2019. At which time they said they would accept the payment on friday XX/XX/XXXX in the interim they repossed the vehicle on XX/XX/2019. They were contacted about this on XX/XX/2019 and the  supervisor, XXXX advised that it was a system error. 

I requested the car to be released with just one payment which i was only due for one payment and it was 17 or so days past due. They stated they would not waive any  fees. Im filing the complaint so that they may be reprimanded and also im seeking punitive and physical physical damage from the company as well through a lawsuit. 

XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX TN. XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBER COMPLAINT AGAINST : CREDIT ACCEPTANCE
On XX/XX/XXXX at XXXX I received an email from Bank of America alerting me that my checking account had less than {$25.00} available. I checked my account and found that three transactions occurred that day that reduced my bank account to approximately {$3.00}. One transaction was for {$60.00} through an ATM in XXXX XXXX XXXX IL. The other two transactions occurred at XXXX XXXX IL Bank of America where a teller gave an unknown individual {$2000.00} and {$200.00}. I immediately called Bank of America to report the fraud. The debit card department took care of my {$60.00} that day. The check department said they could not do anything until the $ XXXX and {$200.00} transactions were posted to my account. On XX/XX/XXXX I called Bank of America first thing in the morning and reported the fraudulent activity for the $ XXXX transactions and was told I would be receiving correspondence for this claim ( claim number XXXX ). On XX/XX/XXXX I called Bank of America to follow up on the claim and was told that my case had not been looked at yet. I tried to explain that all the money I owned had been given to a stranger who walked into a Bank of America in XXXX XXXX IL and I won't be able to pay my house mortgage or apartment rent. Both are going to negatively impact my credit rating, I will be evicted from my apartment and unable to afford food for my family. I was told they were not authorized to credit my account because they haven't even looked at it yet.
I paid a collection account, in XXXX of 2015, with XXXX that originated from XXXX Home Security. This debt was paid as a result of a settlement agreement between myself and XXXX. However, the problem today is that this same account, which has been paid, is now reporting on my credit report with Perfection Collection ( PC ). I contacted this company and spoke with a XXXX and explained to him that I had already paid this debt with XXXX. I was rudely told by XXXX they received ( purchased ) this debt approximately six months ago, the debt would remain if I did n't pay the debt, XXXX was a fraud and they would make sure this debt continued to report on my credit reports until it was paid. I have provided documentation to this company from XXXX, which reflects the same account number that they have, as well as, the same original creditor and the debt being settled, but PC refuses to remove this debt, despite the fact doing so violates my rights under the Fair Debt Credit Reporting Act.
Dear Sir or Madam : Since XX/XX/2016 I have sent numerous letters, proof of claims, and multiple request ( s ) for investigation or if unfounded, item deletion on the credit agency reports. Yet, these same items have not only been ignored, but remain on the report almost three years later!

No verification of item ( s ) reported have been forwarded, nor have these agencies complied with the FTC timelines thus, item ( s ) should in effect be removed.

So now my only recourse is my filing of complaint against the following credit reporting agencies ( all three ) : Transunion : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation.

XXXX reports two bankruptcies that are inaccurate or erroneously documented XXXX XXXX XXXX reported as Negative - not mine XXXX XXXX reported as Negative - not mine XXXX XXXX reported as Negative ( twice, same account ) XXXX XXXX reported as Negative - not mine XXXX/XXXX reported as Negative - not mine XXXX XXXX  XXXX reported as Negative - not mine XXXX XXXX   reported as Negative - not mine XXXX : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation. 

XXXX is reports two bankruptcies that are inaccurate, names and alias that are not correct, incorrect addresses, and five unverified negative accounts that have not been proven as mine, yet XXXX   refuses to investigate or delete! 

The only correct names that should appear are : XXXX XXXX XXXX XXXX XXXX XXXX The following accounts reported negative by XXXX  are not mine, nor is there any proof from XXXX provided that my complaints have been investigated! 

XXXX XXXX XXXX reported as Negative - not mine XXXX XXXX reported as Negative - not mine XXXX XXXX reported as Negative ( twice, same account ) XXXX XXXX reported as Negative - not mine XXXX/XXXX  reported as Negative - not mine XXXX XXXX   XXXX reported as Negative - not mine XXXX : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation.

XXXX reports two bankruptcies that are inaccurate or erroneously documented XXXX   account with incomplete information " paid as agreed '', followed by " negative ''. The account has not been verified as my account!
Please be advised that I am in receipt of your letter dated XX/XX/XXXX concerning the above captioned dispute.  By way of this signed letter, I will continue with disputing the above listed information.  On the evening of XX/XX/XXXX, I placed a take out order for two #5 combo sandwiches and two #6 combo sandwiches.  The merchant made a mistake by giving me two #7 combo sandwiches (see attached sales invoice).  Immediately, after arriving home, I called and informed the merchant, driving to make an exchange at the merchant was not an option as it is a 40 minute drive.  Subsequently, I received a phone call from the owner XXXX XXXX who was very sarcastic and condescending claiming they "rarely make mistakes", "I must be wrong" and that he records videos and voices of all his customers.  In fact, the same cashier who took my order, ran out the door after me to inform me that she forgot to give me my soup.The merchant sent a lengthy and wordy letter that basically proves nothing to the contrary, unless, the merchant can provide concrete proof and evidence that I as a customer placed the wrong sandwich order, than my initial dispute should stand as being correct.
I was with XXXX for about two months, they did n't supply service/towers in my neighbourhood, never had reception, towers were always out of service. I called daily on landline to get service on my non working phone, their answer was that it was the phone, not the towers, reset my phone multiple times did not help. They did not fulfill/breached their end of the contract, I moved service because they could not supply me service. I paid the two months I was with them and returned the phone.
I have  had Sams Club/ Synchrony Bank credit card for over a year, someone fraudulently accessed my account changed my address, phone number, email, cell phone, log on and password, and my complaint is Synchrony Bank did not notify me at all. I found out by security monitoring service that saw change in my credit re port. I have been very upset with Synchrony Bank that something like this could happen without any notice whatsoever to the card holder and they insist they followed normal procedures. I do not feel safe having a credit card with this bank.
I had a past loan account with XXXX XXXX XXXX XXXX. I was late on the account and it was reported as such. I later was able to refinance the loan with XXXX XXXX XXXX XXXX. As a result of me refinancing my original loan ( still with XXXX ) XXXX created a new loan, new account number with updated terms of the loan. Unfortunately, XXXX reported the exact negative information that was reported in the original loan in the newly refinanced. This is not accurate. My credit report with all 3 reporting companies Equifax, XXXX and XXXX for several years continue to report that I had to loans with XXXX and both have the same late history being reported. I have disputed the information with each of the credit reporting companies with no resolution. I have contacted XXXX personally and enlisted the help of a credit repair company but none of my actions have resulted in a positive update to my credit report.
Wells Fargo called me on a Friday night back in XX/XX/XXXX of XX/XX/XXXX. They used terms like " failing to make my payments '', " hurt my credit score '', and " fees and penalties ''. This shocked me because we have our home mortgage payment set up with our credit union on auto bill pay, and we have never, ever received word from Wells Fargo or our credit union that we were short or owed any money on our mortgage. 

I spoke to a manager at Wells Fargo and he had a very difficult time explaining what the fees were comprised of, and even if and when we had actually missed any payments. 

He told me it would take him a few weeks to research this and he would get back to me. This kind of response from him really surprised me since they called me threatening action on something I was not aware of. 
This person 's name is XXXX XXXX and his email signature indicates the following. Executive Resolution Specialist, Customer Care and Recovery Group Wells Fargo Home Mortgage l XXXX XXXX XXXX l XXXX XXXX, IA XXXX Tel XXXX EXT XXXX Well, after a few weeks he did call me back and state it was very difficult to figure out what went wrong, but he had found that back in XX/XX/XXXX, they had taken our payment and fully applied that payment to principal only. He told me our escrow went up during this period and that we were {$62.00} short in our payment. We of course had no idea our escrow went up at that time. 
Since then, and after I had further discussions with XXXX at Wells Fargo, he stated this happened for three successive months, and again, we did not know this had happened because we had no idea our escrow had gone up. 
We never received a letter from Wells Fargo, an email, or even a phone call stating there was a discrepancy. Supposedly, this happened in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XX/XX/XXXX. 

Well now as of XX/XX/XXXX, Wells Fargo has sent me a letter stating that I owe them {$3400.00}. They keep using phrasing like I missed payments, and paying late, but my on-line bill pay history reveals we have never missed a payment. The only discrepancy were those three months in XX/XX/XXXX, where we unknowingly were short the {$62.00} difference in escrow. I have told Wells Fargo that I am willing to pay that difference. That would equal {$180.00}, but they don't seem willing to accept this. 

I have told XXXX and Wells Fargo repeatedly we had no idea this was transpiring and I asked them, " why did they not alert us about this issue? '' " Why did they not call, email, or send us a letter? '' Their response to this question was, " well, we did not have your phone number ''. 

I find this kind of action extremely predatory, illegal, and immoral. I need some help and guidance fighting this battle with Wells Fargo. I am hoping the CFPB can assist. 
Thanks, XXXX XXXX
I came to XXXX to see my options for getting my mortgage payment decreased. They recommended Quicken Loans. I submitted my info through XXXX XXXX for Quicken Loans. After a few phone calls of no QL ca n't help you and then 1 yes, QL can help, I decided to listen to my options. I was told if I refinance my mortgage my mortgage insurance would not be included, my rate would go up, but the monthly payment would decrease ( because of the MIP ). I was told this several times by this same associate. At closing he assured me within a 6month time frame the mortgage insurance premium would fall off and I would see even more drop in my monthly payment. A year later I 'm fighting with QL because of what I was told. They are not holding up to what I was told. The calls are being recorded for " quality and training purposes '', however when I wrote a formal letter to their corporate office, I was told none of the calls could be found. They told me what I signed for ( saying my FHA loan has to have MIP for 30 yrs or until I refinance ), and told me I could refinance to have the MIP removed. I advised QL this is exactly what I was told when I switched from my previous lender to quicken loans. I DO NOT recommend quicken loans, their employees get paid to say whatever they need, to meet some kinda quota. QL are not XXXX or XXXX XXXX so no gov't agencies will assist with complaints or anything. I now have a higher interest rate and pay the same amount I paid with past lender. I lost my job, needed help with smaller payment and QL is doing nothing. I have n't missed a payment, I just wish I could find another lender.