WillisBack/dataset-financial-user-claim huggingface dataset:
I have been making payments on my credit card. The payments clear my bank account but my credit limit does n't reflect it for 7 to 10 business days after clearing my bank. I am paying a fee to use  this credit limit and earn miles, however, I can not because my credit limit is being held up. On XX/XX/XXXX I made a {$400.00} payment that cleared my bank account the following day on XX/XX/XXXX. My billing period has since closed and as of XX/XX/XXXX this payment is still have not been applied towards my credit limit. This happened the previous month and the Citi Rep told me to make the payment over the phone. So, this payment was made over the phone and the automated service stated that my credit limit would reflect the payment in 2 business days after being received. When it did not then I called XXXX XXXX XXXX on XX/XX/XXXX and he could not help me and told me I could call another number. I have been paying other credit debt with Citi for years from my bank account which has been established and in good standing since XXXX.
When requesting to open a account at XXXX, a report reflected XXXX loans issued under my social security number with an unknown name. These loans were not issued by me. The Company that processed the loan was XXXX. Please help.
Before planning a trip to XXXX My daughter contacted Bank of America to inform them if they see any activity on her debit card from XXXX XXXX thru XXXX XXXX do n't be alarmed it will be her using the card and please do not block usage on this account. She was told by Bank of America it had be noted in her account and It was fine. Well just what she did n't want to happen did. The first time she tried to use her card it was declined. My daughter called in a panic. She was alone and stranded cause you can not use cash for XXXX. I called Bank of America to see what the problem was and they stated it was a security check. Bank of America also stated they did see noted in her account the travel plans and again it was just a security check I was upset because my daughter was alone and stranded. Bank of America apologizes and lifted the hold. However it went downhill from there. For the next three days while there my daughter called frantic and crying because she could not use her card time and time again for safe transportation and continued to be stranded. Three more incidents occurred and I had to call Bank of America very upset and finally they lifted the security on her card. I do n't understand how a bank feel it 's okay to keep someone from using their own money. This was not a charge card it was a debit card.
We received a call from the ADR-Group, XXXX, they claimed we committed fraud when we took out a payday loan in XXXX 2014. This loan was charged off in a Bankruptcy at the beginning of this year. They claimed they were sending the fraud case to the XXXX, we call them and they told us they would not act on anything without sending it in writing. The company was terribly aggressive for a loan that was charged off. The XXXX office told us they had several calls on this topic today.
My mortgage comp any, America Servicing Company, merged   with  Wells Fargo. M y mortgage is now held at  Wells Fargo Bank.      This incident recently happened on  XXXX   XXXX ,   XXXX  , this has happened twice in the past. I submited a monthly payment and the bank duplicate the paymen t and overcharged my account. My mortgage statement showed two ( 2 ) payments deducted on the same day for the same amount. Wells Fargo char ged my account a lump sum payment in the amount of {$870.00} as oppose to  two  individual payments in the amounts noted below.   Example of the duplicate payment in the following amounts :  XXXX  - {$430.00} - applied to principal and interest  XXXX  - {$430.00} - applied only to principal ( suspicious activity as I have never submitted a principal only payment in the history of the loan payments ) I called the bank and the representative could not assist as she claimed there was a confirmation of payment sent to me of the full dollar amount. She could not confirm the confirmation number or advised where I could locate the payment confirmation number.   I only submitte d one payment ; however, we can not find the proof of the confirmation of the customer submission of two ( 2 )  payments.     This has happened in the past in  XXXX , on my second mortgage in the amount of {$1400.00}. They went into my account and process duplicate payments in the amount. Again, my account went into overdraft, which alerted me to investigate further.  ASC/Wells Fargo a dmitted error but did not do anything to prevent future occurrence. This recently happened again in  XXXX    XXXX  .     The only notification was my account went into overdraft for the payment that was submitte d three times by Wells Fargo and  that is how I realized there was suspicious activity on my account.     I would appreciate the CFPB investigating further of this practice that most customers are unaware  of Wells Fargo submittin g payments on their behalf of which the customer did not initiate.     I appreciate your help!
In 2012 it was time for me to begin repaying my federal student loans. I was pregnant with my second child and due to health complications I was unable to work, therefore paying my student loans were impossible. The college that I had been attending told me that I could apply for forbearance due to a " financial hardship ''. I contacted FedLoan Servicing, which is the company that is servicing my loans and I applied for a forbearance. After a few days I received a phone call, as well as a letter in the mail stating that my forbearance request had been approved for the dates of XXXX/XXXX/2012 - XXXX/XXXX/2012. I spoke with a representative over the phone and asked her to explain the forbearance terms and she explained that because my forbearance was approved for those dates and there would n't be an data reported to my credit report. XX/XX/2012, FedLoan Servicing reported to my credit report that I was " 30 & 60 days late '' on my monthly payment. They reported this on both of my student loans. I was never late because I had applied for financial hardship. The XXXX late pay entries are holding me back from being able to qualify for a home loan and I was not at fault. I have tried disputing the incorrect information but have gotten no where. I would like to have these Items updated to the correct information. Please delete the 30 & 60 day late payment entries.
I am in the process of a deed in lieu foreclosure with Freedom Mortgage company. We were told XX/XX/XXXX that we qualified for this type of foreclosure and that the final paperwork was in the mail for signatures. Weeks passed with no word from Freedom and no papers in the mail. I called XX/XX/XXXX to let them know the paperwork never arrived. At this time I was told that Freedom could not proceed without the DMV title. I informed Freedom that there is no DMV title, as it is not a mobile home. It is on a brick foundation not on wheels. We informed Freedom further that we have a VA loan and VA loans can not be obtained on mobile homes, the home has to be on an actual foundation. Therefore this should n't even be an issue. Today Freedom said that the 'title ' says its a mobile home, and that if it is not a mobile home then I need to go to the DMV and fix it. There is nothing to fix at the DMV nor can the DMV give me any paperwork because there is no title, there never was a title because it is not a mobile home. I also asked if they have a so called 'title ' why did they ask me for a title XX/XX/XXXX? No one could answer me. Ive been transferred all over to various Freedom employees and no one can help me because it is underwriting who makes the decisions. The people that speak to me are only relaying what underwriting says. I am also told that it is impossible for me to speak with underwriting. Freedom refuses to finish the foreclosure because of the 'missing title ' which does n't exist. I am unsure how to proceed as I can not produce paperwork that never existed to begin with. Freedom also did n't have the title when they obtained our loan from a different company, nor when they refinanced us from an arms loan to fixed rate loan a few years ago. It is my understanding that if a title existed for our home they would have also needed the documentation at those times. They could n't have had it either of those times either since it does n't exist and I did n't provide it. There was also no title exchange when we bought the home, nor the owners before us, nor the owners before them ( we 've gone through the real estate records trying to find it ) All this is on top of spending over a year trying to sell our home via short sale. Freedom refused to process our request for short sale. They repeatedly lost paperwork and sat on paperwork until it expired, dragging out the process so long that we lost our buyers. After loosing our buyers we decided to just turn over the property and accept the financial repercussions. This whole process has been going on for almost two years and ruined our financial standing all we want is for Freedom to take the property and let us move on.
I recently pulled a copy of my credit report and noticed the following information are in error, I never authorized these inquires. I sent letters to all XXXX credit bureaus and they still not delete them. 
1. XXXX XXXX - on XX/XX/XXXX 2. XXXX XXXX - on XX/XX/XXXX 3. XXXX XXXX - on XX/XX/XXXX 4. XXXX XXXX XXXX - on XX/XX/XXXX 5. XXXX XXXX - on XX/XX/XXXX 6. XXXX - on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX -on XX/XX/XXXX 9. XXXX XXXX XXXX - on XX/XX/XXXX 10. XXXX XXXX XXXX - on XX/XX/XXXX 11. XXXX XXXX XXXX - on XX/XX/XXXX 12. XXXX XXXX XXXX - on XX/XX/XXXX 13. XXXX - on XX/XX/XXXX 14. XXXX - on XX/XX/XXXX 15. XXXX - on XX/XX/XXXX 16. XXXX - on XX/XX/XXXX 17. XXXX XXXX - on XX/XX/XXXX 18. XXXX XXXX on XX/XX/XXXX 19. XXXX - on XX/XX/XXXX 20. XXXX XXXX - on XX/XX/XXXX None of them were done by me.
I sent an application for the income driven repayment plan to my loan servicer but the email system of the loan servicer agency rejected the email message and application that I had sent to them. I also have received contradictory information from the representatives that I have spoken to when I call the agency that services my student loans. When I called the loan service agency on one occasion a loan service representative told me that if I sent my application for the income driven repayment plan by email, that the loan service agency would accept my application, but when I called the agency on another occasion a loan service representative informed me, after I questioned him, that he did not know whether the agency would accept my application by email, as an attachment or not. I have also had difficulties in contacting my loan servicing agency by telephone service. I have called the the agency 's telephone number at least 8 times in the last week and on all occasions when I have called them I receive a message that the call can not be completed as dialed, even though I have called the agency 's telephone number, which is XXXX. ( The email address of my loan servicing agency is XXXXXXXXXXXX and the name of my loan servicing agency is Pennsylvania Higher Education Assistance Agency ).
Optimum Outcomes are still reporting on my report credit report even though the bill was dismissed by the original creditor, I have sent in the copies of the dismissal paperwork to the debt collector and also to the credit bureaus, and nothing has changed. I have disputed it with The credit bureaus and they are still retuning it to me reporting it as a verified. How can they say its verified if it has been dismissed. I have sent all of the paperwork and they both have yet to delete it from my file. I have never signed a contract with optimum outcomes nor I have I ever verified that I owe this debt, because I do not. It was dismissed.
CRA violation I have no knowledge of the fraudulent collections account on my Equifax credit report. FTC ID Theft Report # XXXX
no responds from company or additional information on how to resolved issue half answer from XXXX XXXX still was notified of any changes or updates
Rush card was under maintance Monday XXXX XXXX,2015 from XXXX to XXXX, as of today Tuesday XXXX XXXX,2015, I ca n't access my account, my card is being declined, phones to rush are busy and hanging. I have XXXX children at with, expecting another and I need my funds now.
My son suffered a XXXX in 2013 and I had to take him to XXXX Colorado for treatment. While I was there my ( now ex-wife ) who is not my sons Mother decided to divorce me seeing my son XXXX as a potential drain on retirement. She cleaned out all the cash and locked me out of every credit card and bank account we had. 

Citibank was among those cards where we shared a joint account. I was equally responsible for the debt and enjoyed full card privileges. I used that card to cover reimbursable expenses while my son and I were in XXXX ( XXXX transferred him after a long fight ). When I arrived home with my son who could speak again ( See : XXXX for the result ), What my ex-spouse and her attorney sister had figured out you could do to another consumer using privacy laws was as amazing as it was devastating. I lost my home, all my savings, tens of thousands of my son 's recovery money was gone. All of it protected by privacy laws. I was eventually driven into bankruptcy defaulting on my own lenders needlessly, my son 's miraculously successful rehabilitation terminated, and I was forced to sell my home. 2 years later I still can not even get Citibank to release my statements from 2013 citing privacy laws. Those are my own financial records too. I need those statements to get food and lodging and other expenses reimbursed and Citi refuses to release them.
TRANSFERED FROM 1 CHECKING ACCT USING DEBIT CARD INTO MY COINBASE ACCT. WENT THROUGH. THEN THEY CHARGED DEBIT CARD A SECOND TIME. 
{$100.00} XX/XX/XXXX HAPPENED AGAIN ON THE XX/XX/XXXX. SAME THING. COINBASE TOOK  ANOTHER {$100.00} FROM SAME ACCT. 

HAD TO SEVER LINK BETWEEN. 

CALLED BANK. THEY ARE DISPUTING IT FOR ME. 

THANK YOU.
I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe that I made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me
On XX/XX/XXXX I was informed that the mentioned business called my place of work and a message was taken. I then called the company and a XXXX answered and verified my information. I asked what this was in reference too. He then advised that it was in regards to a account in collections that his office received today. I inquired to what account and for what amount was in collections. He advised me that it was for a XXXX Account from XX/XX/XXXX for an amount of {$990.00}. He also advised me that they were trying to get in contact with my local police department to serve me with a summons to appear in court. He gave me the information and gave me two payment options. I then paused while I was looking up the business on XXXX. He kept asking me if I wanted to take care of this and I told him to hold on for a second. I did this 3-4 times. He got angry and advised me since I would not take care of this today he was going to put it onto my credit history. He then got even more mad and told me he did not want to talk to me anymore and not to call him. He then hung up on me. I was never given a debt collection statement. I also asked him to verify the debt and he refused. He stated that they sent something out in XX/XX/XXXX for a account that was given to there office today. I then called the company back and spoke with XXXX again. I told him I think we got disconnected and he said he hung up on me and that he doesn't want to talk to me anymore.
Lender was unable to explain how their APR ( Annual Percentage Rate ) was calculated on my new loan. The Lender 's website Help section does not provide this information so I contacted customer service. When speaking to two levels of customer service, agents did not completely understand what APR was ( and how it differed from the loan interest rate ) nor what calculation I was requesting. After approximately twenty minutes, I was ultimately told, " We are not qualified to give you that calculation '' and " We do not have that information and there is no one we know of here that would. ''
On XXXX XXXX, 2015 I disputed XXXX unverified items from my Experian consumer credit report ( copy attached ). I received the results from my Experian consumer credit report but Experian had only responded to XXXX of the XXXX unverified items dated XXXX XXXX 2015 ( results copy attached ). 

Experian has failed to re-investigate the accounts disputed, failed to provide the documentation or names of the persons who verify the accuracy of the accounts currently reporting on my consumer credit report, Experian has not deleted all unverified accounts within XXXX days as the Law requires under Section 611 of the FCRA. Experian has not properly verified or investigated any accounts I disputed.
Upon reviewing my XXXX credit report I noticed XXXX discrepancies on my report been reported from Independent Recovery Resources. According to this company they are a debt collection agency which whom is collecting a debt from XXXX XXXX. I never had an account or business with XXXX XXXX. I disputed this account in the past and they ceased reporting me but again they have came back. Independent Recovery Resources is affecting my credit and affecting certain aspects of my life due to this negatively reflecting on my credit history. Independent Recovery Resources reached out to me in the past ( a few years ago ) and never clarified what this was from but continued harassing me, I disputed and now again like I stated they are reporting me. I have not received any contact from this company in a while so I do not understand why they are back on my credit report.
Please see authorization for me to get the funds returned to the client XXXX XXXX. XXXX XXXX paid off the lien but as his payment was on automatic payment it continued to pay the lien. Chase kept accepting the payment even thought the lien was paid off! They relieved over {$75000.00} dollars in payments after the close of escrow. The honest thing would have been for Chase to return the payment and a note explaining that they received payment to a loan that had been paid off but they did not. Instead they used XXXX money for all that time! Enough! Return the money immediately! 
Please demand that Chase send me a check made out to XXXX XXXX XXXX immediately. 
Sincere thanks for your assistance. 
XXXX - XXXX
HelloI have a XXXX mortgage on my home and Green Tree Servicing is the servicing company. It has been a very trying experience from the very start. I requested a XXXX mortgage modification and I was told " we do n't do that '', then they modified it " temporarily ''. I was told that they do n't reduce the principal on XXXX mortgages at all, even thought they are listed on the HAMP website. XXXX I have my payments automatically drafted from my bank account and keep getting letters saying there is a balance. I have never been late on any payment. I called and the representative does n't know why I am getting the letters. I am guessing they do n't process payments I sent in to go to the principal of the loan. The most troubling part is that last week I received a letter from Green Tree stating that my account was put in default and they made a mistake. I work hard to keep a good credit rating and this brought down my rating. I checked my mortgage account online and the balance is still there. Again I call them, they still have no clue.
My private student loans through Navient were in a repayment status with a reduced interest rate which made my payments affordable. Without my consent or knowledge they pulled my credit and determined I was able to make full payments. My credit report tells them that I have been working hard to pay on time, it does n't tell them that I can afford to have my interest rate increase to 10 % from 1 %. I was pushed to make a payment which was 25 days late ( because I could n't afford to pay the new monthly amount ) in order to be considered for an extension on the reduced interest rate program. After the representative noted I had made the payment, then she noticed that I was not eligible for any repayment options and that there was not a supervisor to speak with. Her employee ID is XXXX.
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   Attn : Complaint Department   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  I am writing to dispute the following information in my file. I recently received a copy of my   XXXX   credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insu rance C. Employment D. Court Order The following  credit inquiries are related to none of the aforementioned permissibl e TD Ban k (  XXXX / XXXX / XXXX  )  XXXX   (   XXXX / XXXX / XXXX  ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.   Sincerely,  XXXX   XXXX
RFC XXXX is reporting on my credit profile that I allegedly owe {$2800.00}. They also have Credit Recovery Associates trying to collect the debt on their behalf and the alleged amount they are trying to collect is {$110.00}. The XXXX companies are reporting on my credit profile for the same alleged debt. I contacted XXXX and the only information that they provided me is that a live check was sent to an address that I did n't live at the time. No one actually came into an office to take out a loan with them. I requested a contract agreement from this company but they did n't have anything with my signature on it however they continue to report on my credit profile and ruin my credit reputation. Is it legal for this company to report something twice on my report that does n't even belong to me?
I have three 3 credit card accounts. Chase is reporting two old addresses to XXXX and XXXX on all three accounts. I am trying to have my old addresses removed from my credit report and only have my current address listed on my report. I have lived at my current address for nearly five years. When I contacted XXXX   and XXXX  and asked them to delete the old addresses, they said they could not because Chase is still reporting these addresses each month. Please stop reporting my old addresses and please remove them from my credit file. The only address I should have listed is my current address. See attachment for more information.