WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX I closed an account with XXXX XXXX. This past XX/XX/XXXX a check was cut for {$2000.00} and mailed to me. That check has never reached me. I have tried without success to contact and talk with anyone. It has been 3 years that I have been trying to collect this money in which i had to spend hundreds of dollars in court fees getting together the correct paperwork. I have reached out to the us treasury and ask for help. That is where this company is a branch of. I have tried every avenue i know of to contact anybody with this company for answers to why i have not received this check without any success. i did everything i was asked to do by them initially to receive it which was filing a small estate affidavit which cost me {$200.00} through the court as well as provide all documentation ( death certificate and birth certificate ) After they said they sent the check and i waited a reasonable amount of time to receive it all communication stopped.
My husband and I had our mortgage with aurora loan services. Theysold it to Nationstar Mortgage. We had moved and rented the house and werewere late with payments but never missed. Many times aurora tried topush us into foreclosure but we were late with payments but nevermissed. they put XXXX the amount of late fees, etc. 
in a non interest bearing account and then sold the loan. When Auroraremodified the loan they never put a monthly late payment in. 
Repeatedly we asked nationstar to get us an underwriter to explainand send a loan packet explaining the loan. Nationstar neversent us any paper work and could never explain the loan. They sent adocument on XXXX XXXX, 2015 stating that XXXX XXXX owned ourhome. 
I called a loan officer from another mortgage company and asked aboutmy credit report they ran and she said they have put me late 8 times thisyear and it was only XX/XX/XXXX. XXXX months into the year. I expressed thatno late payments were established in the remodification of the loan. 
But that I had repeatedly asked Nationstar for a written documentation. 
We needed to make one extra payment. I started looking closely at themortgage statements and they were also charging me fees such asproperty inspection fees, etc. they said they would take them off. Theywere also changing our payments monthly. I asked for paperwork toexplain why. Nothing was sent. We bought another home in southCarolina and XXXX XXXX XXXX sold our loan to Nationstar. They raised our loan payment and we continually asked to talk to an underwriter forboth homes. To explain the extra chargesetc. They let our insurance lapse and we called them and they said without our consent they let itlapse and were paying the premiums with my moneyusing their insurance company. Again I had a charge on my statementand questioned it. They said it was a late payment. I said that you justbought the loan and it stated no late payment. I told them they werediscriminating against us. They sent me a welcome letter I then askedfor an underwriter and the paper work that we owned the house andwhat we were paying and why they were raising our payment. Then theysent me another letter with a few more pages still not showing me thatwe owned the houses and what we were paying for. 
I called the XXXX and they have XXXX complaints. 
They have only resolved maybe 5 to 10 percent. someone suedthem and won. 
I feel they have committed mortgage fraud and are beingsecretive. they have discriminated against us becauseof our age and maybe ignorance. 
The telemarketers say they cant give their names and to sell our house ifwe do not like the way they are doing business. 
They sent me a letter to resolve and I called the number listed andextension and it does not exist.
I was approved for a modification in XX/XX/XXXX and have made all my payments on time. I got married after I got the mortgage so the name on the modification forms were incorrect and the notary the mortgage company would not notarize them. I had sent in all the documents to have them change my name on the loan, several times. As time passed I called several times asking for the corrected documents but never received them. Now the mortgage company is saying my modification was not approved and put my home back into foreclosure with a sale date of XX/XX/XXXX. The mortgage company told me last week to have a friend to notarize the documents with my maiden name and send them in and they will TRY to process them. Is there anything I can do at this time to stop the foreclosure. All my modification payments from XX/XX/XXXX to now have be paid.
Sent Cease and Desist letter to NCA on XXXX XXXX, 2015. Company continues to make frequent calls to me, employer and family members despite explicit instruction to cease such communication.
I have notified and for months telling my original loan servicer AES/PHEAA, And current servicer, US Dept of Ed, Direct Loans, that these student loans dated XXXX, and XXXX, 4 loans, are not MINE. The XXXX  website is not correct. 1. It shows I withdrew XXXX, I graduated XXXX ; 2. I was in school XXXX, date they begin collecting on loan.date do n't match. 3. Amounts do n't match my loan papers for any of these student loans. 4. The grant amounts DO NOT match my loan documents. 5. XXXX list XXXX XXXX XXXX as Original Lender of these Loans. XXXX XXXX XXXX confirmed THAT they have NEVER given me a student Loan, or any loan, EVER. I have requested Many XXXX times AES/PHEAA provide me the original 4 Promissary Notes showing these loans are mine. They can not after taking months to search, and simply keep sending me the consolidation promissary notes in XXXX. I told them numerous times get my name off these loans and return my money, but they are intent in making me repay someone else 's loans. The phone number of the owner of these loans is n't even a phone number I ever had, but I know whose number it is, my classmates, who also got student loans as well. Do I seriously have to take them to court and obtain a court ordER to force them to correct their mistake that they know they made? I 'm sick of getting the run around while they have seized over {$12000.00} from me to pay some on else 's loans. I paid my loans off years ago, in XXXX. I told them that, but they do n't care. The original principal was {$XXXX}, They seized over {$14000.00} from me Balance owed today is > {$XXXX} That 's absurd!!! I have my originAL loan documents, even sent them several times to both AES/PHEAA and Direct loans/us dept of Ed, requested they to get my name off these loans but they refuse to do anything. Please help me. XXXX
I lost my social security card and now i am unable to open a bank acct in my name. I attempted to sign up for credit karma, and it 's stating that info does n't match.
I have been disputing with credit reporting agencies of XXXX XXXX XXXX account for the amounts of XXXX and XXXX. I 've been a victim of fraud for about XXXX years and every year, I am fighting battle of accounts that not mine. XXXX and the credit reporting agencies refusing to show me my signed signature opening an account or proof of my identity opening this account.
In 2016 I applied for two credit cards from Bank of America because my family and I couldn't pay the rent and bills after my husband got fired from his job. Because he got fired he did not qualify to receive any benefits from the unemployment, so even we were struggling I was making the payments that the bank required. The next year around XXXX I got fired from my job and I couldn't make any payments from my credit cards. I contacted the company by phone, by chat in person to tried to get some help and cancel my cards but the bank said that the credit cards were canceled. But each month the bank adds fees and more fees to my debt. One month ago I start a new job, but still, I don't have enough money to make the payments. And the debt keeps growing every month. Can someone help me please.
I have both private loans and federal loans that are serviced through Navient. Every time I have tried to have them work with me in regards to making my payments affordable their only solution is forbearance. They have no other options and state there is nothing else they can do for me.
I received a loan from US Discounters ( now referred to as USA Living ) in XX/XX/XXXX, I also purchased a debt protection plan, I was discharged from XXXX XXXX and became XXXX to work in XX/XX/XXXX, the company did n't has n't properly granted me relief of the debt under the debt protection clause I purchased with loan. The company is reporting a collection suit on my credit report for a debt.
Dear Equifax, I checked my personal credit report, which I acquired from your company onXX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Results Report Number : XXXX Date Generated : XX/XX/XXXX DIVERSIFIED CONSULTANT Account This item was removed from your credit report. Please review your report for the details.

View your Report | View your credit score Deleted + 'icon ' Deleted Results Report Number : XXXX   Date Generated : XX/XX/XXXX XXXX XXXX Account This item was removed from your credit report. Please review your report for the details.

View your Report | View your credit score Deleted + 'icon ' Deleted XXXX  Inquiry Date : XX/XX/XXXXThis item was removed from your credit report.

View your Report | View your credit score Deleted + 'icon ' Deleted XXXX  has not taken these off of my credit report like the others have
This needs to come off my credit report because XXXX took it off my report and updated everything this is something that I had closed with my son so now it 's my son 's responsibility is not linked to me anymore unfortunately TransUnion does n't like to do their job correctly I feel like all the credit report should be aligned as XXXX if XXXX says it was taken off then the other XXXX should say that as well Transunion needs to close this its hurting my credit.
On XX/XX/18 I was attempting to purchase bulls tickets. The seller said he used XXXX. After seeing that XXXX was linked with Chase, I figured it was a safe way to handle the transaction. I sent {$160.00} using XXXX. However I didn't receive the tickets, and the seller stopped responding. Approx and hour later I contacted chase to get my money back. However the representative was extremely rude and unwilling to help.
On XX/XX/2018, I checked my credit report through XXXX. XXXX and XXXX   reports came back as accurate. Upon pulling my Equifax report, the Equifax website asked for my personal information and ask for me to complete the e-verification questions, which I completed appropriately. When the credit report was pulled, the report contained the name of another individual with a complete different credit history from my own. I have reached out to Equifax and filed a formal compliant and put a fraud alert on my account. 

My concern is their website linked my information to an entirely different individual and credit history. I'm also concerned as a consumer that my sensitive personal information is not secure and may be  available for others to view.
Was Joint Account holder on an auto loan at XXXX XXXX XXXX from XX/XX/XXXX until account paid in full XX/XX/XXXX. Although the Credit Reporting company lists the loan correctly on my report, it continues to fail to properly note it on all XXXX  and other aggregate scoring ratings. The company 's failure to factor in this loan is listed as two adverse key factors with the notations " Lack of recent installment loan information '' and 'Length of time accounts have been established ''. 
The company also has an additional incorrect adverse factor of 'Too few accounts currently paid as agreed ' in that there are NO accounts with late or slow pay. All accounts have been paid as agreed for the length of the reporting period and all paid in full in XX/XX/XXXX.
XXXX XXXX submitted a complete modification package to Ocwen ON XXXX-2017. Ocwen is refusing to review his file .Our office called the Ombudsman  department and they refused to look into the matter .there is no tangible reason why OCWEN is not reviewing the file .They are refusing to give a qualified homeowner the opportunity to say his home .XXXX XXXX feels as if he is being discriminated against based on his race, ethnicity, and national origin .Ocwen is sitting on a complete loan modification package. There is no reason for this type of negligence. By unreasonably and unnecessarily delaying his modification request, he continues to get farther and farther behind on his mortgage payments. Practically speaking, it can only be inferred that Ocwen is pushing him farther into delinquency and foreclosure. By Ocwen refusing to consider XXXX XXXX requests in a timely manner, they are negating any opportunity for him to save the home. They are denying him the workout request based on inaccurate information and refusing to take remedial steps to provide a him with a solution. The events described above are just a sample of the practices that are taking place at Ocwen. Ocwen appears to be more interested in foreclosing on his home and fire selling it at auction to make a profit. It appears that XXXX lack of participation in a meaningful modification review of his file indicates a preference to profit directly from XXXX XXXX hardships. 
XXXX XXXX is demanding the Ocwen review his file or he will file a complaint in district court.
I got a letter by mail saying that they don't want have any relationship with me and my account will be closed at XX/XX/19
I have had issues with XXXX XXXX for awhile. They are on my credit report still. I have asked kindly for them to remove there tradeline. I am under nocontract with these people. In a earlier complaint they said they never or have no record of them suing me. I am providing a copy that they have sued me in the state of minnesota. When I spoke with them about the judgement they ( vacated ) they told me they would not contact me, pick up any accounts on me or contact me. They denied they ever did this to me.
silver cloud financial charges a lot on there interest. I feel with the high interest this account would be pay off already. I have already pay XXXX on my loan. interest is very high. my fault for not looking at that more. the interest is 831.1206 %. I would like to have account pay in full and name removed from the website and company. I no longer want to be in that trap with high interest on a installment loan. I now understand them more and do not want to be part of that. please remove and correct. thank you
My sister passed away in XXXX 2015 and I have been attempting to resolve closing her bank accounts with Bank of America since XX/XX/XXXX without resolution. The bank is requesting an Affidavit of small claims which apparently comes in a multitude of forms, all of which have not been acceptable to BOA and I continue to receive letters stating I have notarized the wrong form, having missing information etc. I think the BOA should declare on the Estate Unit site that it is unlikely the customer will be able to close accounts of their loved ones secondary to the complexity of the form or the inability to file the appropriate affidavit to receive the funds from the accounts without the assistance of an attorney. I will be obtaining the services of an attorney at this point in time to close my sister 's accounts.
I had American Express Plantinum and Gold charge cards, and have admittedly had a series of late payments. As of yesterday, the company have cancelled the cards which is very troublesome. While I realize that this is their prerogative, I find it hard to believe that they cancell all cards that are late on payments. I know many people that have one or both of these cards, they carry balances, and pay late but their cards have not been cancelled. None of my recent payments have been 30 days late, and I fear that this cancellation will adversely impact my credit score. I really believe that this could be discrimination based on my last name and that is quite un-American and illegal if proven true. Any assistance that you could provide would be greatly appreciated. Thank you.
I have been closing my account at HSBC by cancelling all of my activity in the account for the past two months. HSBC refused to notify me when a request for withdrawing funds from XXXX XXXX came in and I had no money in the account. They have my email address and often send me emails for new products and services. They deliberately covered the check so they could collect on the fees and penalties for an overdrawn account. I do not have overdraft protection, so they should not have covered the check and should have notified me immediately.
I have had a XXXX XXXX/XXXX account in good standing for several years with automatic minimum payments enabled. On XX/XX/XXXX, I made a lump sum payment of {$1000.00} to cut my balance due in half. Within two weeks, they automatically cut my credit line by more than half by about the amount I paid from {$2000.00} to {$960.00}. They sent a misleading and dishonest letter claiming a " Credit Check '' had driven their decision. In fact, my credit rating has been steadily improving every month since XX/XX/2017. XXXX XXXX simply does not want to honor the XXXX Cash back policy and they are discriminating against borrowers of XXXX descent. They not only charge us above average interest rates, they also preemptively reduce our credit lines to keep our balances near their limits to maximize the opportunity to charge additional fees and higher interest rates.
I 've contacted Equifax at least 15 times regarding this matter. I 've even contacted the companies which they 've stated they did not have any information on file regarding inquiries
My loan was sold to a new mortgage services company, XXXX XXXX XXXX, and I was never notified by my existing mortgage service, Gateway Mortgage Group. it is my understanding they are required by law to notify me within 30 days of my loan being sold. Instead, I received a bill from the XXXX XXXX XXXX informing me that that my mortgage loan had been sold to them. On the same day I received a monthly bill from Gateway Mortgage Group. It is 6 days before my next mortgage payment is due and I have never received any letter, information or been contacted by Gateway Mortgage Group informing me of the sale of my loan. Isn't this a violation of Federal Law? Aren't they required to notify of the sale of my loan?
On XX/XX/2018 at XXXX we received an automated call from RSI ENTERPRISES requesting a call back to XXXX about a debt collection. At XXXX we called and spoke to operator XXXX to ask for our number removed. Unfortunately she could not pinpoint the number as the automated call did not dial our main numbers
On X/XX/2017 at XXXX XXXX Capital one auto finance sent a repo man to repossessed my XXXX XXXX. I never received any written notices prior. No phone calls. When they towed the car no one left me any kind of documentation that the car was repossessed. Called Capital one X/XX/2017. The person I spoke with XXXX did not have my correct email, phone number or employer. I was told that they sent me notices. They also told me the called the number and left messages. And called the wrong employer. I was told that the employer never answered the phone. Odd they had all the wrong information to contact me but had the correct address to sneak my car away in the night. I was charged a repossession fee and {$140.00} to retrieve my car.
I found XXXX Hard Enquires in my credit report XXXX made by a company named OneMain on XX/XX/XXXX located at XXXX XXXX XXXX XXXX, XXXX, Az XXXX phone : XXXX XXXX XXXX and OneMain on XX/XX/XXXX located at XXXX XXXX XXXX, XXXX IN XXXX phone : XXXX XXXX XXXX which I do n't regognize ever contacting them for a loan. The Hard Enquire caused to lower my Credit Report Score which is not beneficial for me credit records.
My account with Walmart was closed due to missing payments. Thus, credit reporting had been suspended. Paper bills were not mailed to the address on file. I missed two payments. Recently noticed that negative information had been reported to credit bureau from this company. Would like someone to look into their ambivalence. It appears that they only report to credit bureaus when there 's default. Otherwise, the credit history is not reported. Why should this happen?
The following student loans were reported on my credit report. Based on my research, all government funded loans are not allowed to be reported. Thus, this is a clear violation of the FCRA. I disputed the accounts with Equifax for several attempts to no resolution. Please CFPB, step-up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this XXXX   XXXX.
I initiated a credit dispute with American Express on XXXX XXXX, 2016. AMEX, unilaterally allowed the merchant to reinstate the charge without properly investigating the facts. The time for resolution by AMEX/XXXX as now expired and a full credit is due to me.
I have banked with Simple for over three and a half years. I 've lived at my current address for over a year and a half. After making updating my linked external accounts last week I received a support message saying " Your account has been frozen because we 're having trouble verifying you. We need to do that before we can unlock your account. 
In order to complete verification, please submit a copy of the following documents using the instructions below : - A color photo ( not scanned ) of your Social Security Card - A color photo ( not scanned ) of your unexpired Government issued Photo ID ( If your photo ID does not have your current address on it, please also include Residence Verification, for instance, a bill issued in the last 30 days. ) - The two most recent PDF bank statements downloaded directly from each of the external account ( s ) linked to Simple '' I responded to this right away and after two business days I still have had no response from the team that made the decision to freeze my account. I 've uploaded the requested identification, but the linked external accounts are new and there are no statements yet. I called customer service to ask when I would hear back and how long it might take to regain access to my account. The representative would not give any timeframe for either and said that we would just need to wait and see if the team reviewing this would " make an exception '' as I can not provide bank statements that do n't exist. And if they wo n't make an exception? My money would simply be held in limbo indefinitely? The customer service rep had no answer for that either. Now I 'm reading horror stories on Better Business Bureau and other review websites of customers who had their account frozen for months! This is criminal.