WillisBack/dataset-financial-user-claim huggingface dataset:
Hi, the reason I am asking for help is because : every month I buy a chase cashier 's check to pay the monthly rent, directed to the Realty company, and on XXXX XXXX 2016 I was made aware by the Realty company that they had not received a check i had submitted on XXXX XXXX, 2016. Immediately I went to chase bank to find out what had happened to the check and I was provided with a copy of the cashed check for XXXX dollars ( cashed in a XXXX XXXX XXXX ), and in the copy the check is without endorsement and appeared as if it had been ripped. I called the Realty company and send them the copy so they could confirm that in fact it was not them that cashed the check. After confirming that they did not cash it, on XXXX XXXX, 2016 I started the process of a claim for the check that was cashed without endorsement, for clarity, the check was bought at chase bank but cashed in XXXX XXXX bank. I was given a period of 120 days for resolution and during these 120 days I have been calling chase twice a week with no update except for chase saying that they have emailed XXXX XXXX 8 times and have received no response. When I asked if there was anything they could do, they mentioned that they could not " force '' XXXX XXXX into responding and I simply had to wait. They also mentioned that upon the completion of 120 days the claim would be closed with no resolution and that I will lose my money. I still have had no answer and I have been very upset because the reason I buy a Cashier 's check is because I thought that the check could not be cashed by someone who it was not payable to and definitely not without an endorsement, I also thought that the funds were secured and I do not understand how it was cashed in the first place and how little Chase is doing to try to recover the money.
Received letter from CFM XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, as well as many phone calls starting in XX/XX/XXXX thru XX/XX/XXXX, about a breach of contract with XXXX XXXX XXXX. We sent them our response and our reason for terminating our contract with XXXX. Now it is starting again, XX/XX/XXXX with 3 phone calls, we asked them to stop calling our office. Then they sent email XX/XX/XXXX and we responded again with our documentation, and requested again to not call or email our company. Another ( unprofessional ) email was sent XX/XX/XXXX threatening company credit and further collection attempts.
I am unable to determine what the charge is for ... I don't remember having accounts with these companies..I contacted Experian, but until now I did not receive a response..CFPB please take care of this concern and have the accounts removed from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX, ( Original Creditor : ) XXXX,
Weve been in escrow with a new builder since about XXXX and are set to close next Friday and new builder is pulling out all the stops and putting ethics aside in order to steal this deal from under us. See below and attachment for events that occurred. What can we do on this one. 

This possible RESPA violation occurred with XXXX XXXX ( sales associate ) and XXXX XXXX ( lender ) at the William Lyons XXXX location. 

The background context is that XXXX did not have the knowledge to structure and approve this buyer for the purchase. We were using an outside broker and specialty program in order to do this loan. XXXX called me pretending he actually worked for the sales office and his company did not have confidence we could close the loan and I needed to explain to him the program and how we structured. After about a minute I realized this guy was a scam and actually the lender looking to copy our program/structure, but he had already obtained the information he needed to go back to the buyer and offer the same program. Frustrating, but I understand not everyone in this business operates with ethics. 

The attachment shows how XXXX was violating RESPA in an attempt to force the buyer to close with William Lyon mortgage even after he let her know we were his lender of choice. It wasnt until after I mentioned XXXX and CFPB that she changed her tone and was willing to cooperate with the items we needed from her to do our job. 

Builder has now delayed items we needed for 3 days after multiple requests she has ignored. Due to this, she is now threatening buyer with 1 % penalty ( {$6300.00} ) but said if he uses her mortgage company she will waive penalty. She wasted time and cornered him into using her lender. COE date is XX/XX/27 and borrower is too scared to proceed with us because he doesn't want to pay this penalty.
I had ID theft and 2 fraudulent items are on my credit report. I reported this to all 3 companies YEARS ago ... all but Experian have removed it. I have notified them several times and they are still showing on my report. Not only were the cards not mine but then they " served papers '' to someone at a house I used to live at ... then got a default judgment because I was not there. They served a woman one of the judgements and the other was a man XXXX XXXX in XXXX and I am XXXX XXXX and a man. I live in Washington and the address they served was in New York. I tried to file request with NY to remove default judgment HOWEVER they said I had to go to NY ( I live in WA ). please help!
on or  XXXX   XXXX   XXXX  equifax,   XXXX   and  XXXX  took information from a    XXXX    2016  court document and did not follow the judgment all the way through to the end. If they would have followed and looked at the actual judgement They would have seen that my name was removed. my credit has been drastically affected and I have been turned down for credit do to their miss information filing. The judgement is for {$5400.00}. It does not belong to me though it belongs to  XXXX   XXXX   XXXX . I have filed with all  XXXX  credit reporting agency to have it removed.     I am filing a complaint to hold these credit agency responsible for destroying peoples lives without having any responsibilities to their actions and how it affects those they misrepresent. I would ask that CFPB  Fine  these agencies to the tune of  XXXX  of dollars for every false filing they claim as true. They must be held responsible for what they do to people. I am looking to protect us from these agency. I hope you are as well.
Hello, There were 2 items on my credit report that were not mine and I disputed them. XXXX/XXXX/XXXX removed them. I now went back and noticed them reinserted on my reports under a new collection company " Commenwealth Financial SYstems ''. It was previously " XXXX XXXX ''. I was not informed by the agencies or by this new collection company who adjsuted the dates to make it look current as well. I ask for these 2 items to removed ASAP and I have not heard a word. They have not even verified if it was true information as we know it is not mine. Please help I am at the end of my rope dealing with these companies.
I had an account placed on my credit report by Afni, Inc. they have been advised that this is fraud and identity theft. I have provided them affidavits of fraud and forgery as well as police reports.
Navient emails me to tell me to go login to their website. You can not reply to the email, and the website says ACCOUNT DISABLED. Click here to Contact Us. The Contact Us link goes to a Error - Page not Found on their website. If you do a XXXX search for Contact Us Navient, it sends you to a page on Navient that says LOG IN TO CONTACT US, you click that and attempt to login, it says ACCOUNT DISABLED. Do you see the endless LOOP here???????????????
I never did business with JH Portfolio, they 're consistently reporting inaccurate information on my report stating that i owe them XXXX which i do n't recall borrowing from any credit card company. i disputed this issue by calling XXXX, i never got any response or documentation of proof that i own this complay but the derogatory marks remained on my report.
Original Creditor ( XXXX XXXX ) charging me for storage fees. I instructed tow driver to bring my car to the junk yard. He told me that a bill will be sent to my address. Six days later, i called in to ask if i can still get some of my things. To my surprise they informed me that i need to turn-in my title and i am charged for storage while title is not turned-in. I tried to explain no one have informed me, but they did not allow me and told they will place it to collection. I'am not aware about turning-in my title to them. If i knew it i should just turn it in on the very same night. They did not even called me or inform me, i just discovered it by accident since i need to get some of my things. It seems like if i have not called in, they will just keep on charging me storage. I 'm disputing the storage charges. I should not be charged. Proper information and explanation should have been initiated before any services have rendered.
I filed a complaint with you ( the CFPB ) and my Servicer ( BSI FINANCIAL, AKA ; Servis One Inc ) no longer talks to me. BSI are very rude and tell me that since I have complaint to consumer Financial bureau, I have to speak to their attorney. They will not give me any status update. 

I Sent them a RSPA request and they have completely ignored it and refused to comply. I filed for a modification and they are not giving me any status update. They are pushing a foreclosure on XXXX XXXX, 2015.
debt has been paid in full but still reporting negatively and unpaid on my credit report hurting my credit score .The incorrect amount of the loan is also reporting on my credit report .i mailed letters to company to removed the wrong loan amount reporting & to update my account paid .I never received a response mail.
There are XXXX accounts on my credit report that I have never heard of and do not appear on my other XXXX credit reports : XXXX and XXXX in the amount of {$91.00} ( which I have disputed ). The lien on my credit report has been paid and does not show up on the XXXX XXXX XXXX of XXXX website, yet is showing on my credit report that was ordered today. My credit information is being reported incorrectly. My credit card balance is lower than what is being shown on the credit report, and it is saying that my last car payment was made in XXXX of 2016. Since it is inaccurate, the balance is incorrect. I will be disputing the XXXX accounts mentioned- again. My Equifax score is XXXX points lower than my XXXX and XXXX points lower than my XXXX. This does not reflect well as I try to qualify for a mortgage loan for my first home. Why is Equifax allowed to operate without being monitored? Please notify me if anyone ever brings a class action lawsuit against this company. I will send the appropriate documentation by fax or mail upon request. I will have to print out from various locations.
I applied for a loan with the company called Upgrade. Initially they requested my XXXX which I was told that was all they required, I sent in. Then they requested my banking information along with my identification ( driver license ), I forwarded. Then over a week later I was asked for a picture id along with me holding the id and to take a picture with it next to my face. Before I can sent it, I had a call and message on my phone number that I had listed on my credit reports due to fraud. I did not have the same number on my application solely because I wanted to reassure that whatever organization in which I apply for credit would go according to protocol and contact me at the number listed on my credit file to verify my identity. Well, the gentleman XXXX called and left me a message to call back on my number XXXX and I did and again, I called him from the phone number listed on my credit report. Well, a few hours later, I received the letter via email saying I was denied as a result they could not prove my idenity, Well, I do not know what they based that off of. I sent all the documents they requested immediately, they contacted me on the number on my credit file and they just requested id with me holding the id next to my face and to take a pic and send it to them, which I did not have that opportunity which would have easily substantiated who I am and they still should accept that as proof. I did not submit as I just received the request but after receiving that request, they contacted me by phone, again, Upgrade contacted me on the number listed on my credit file for fraud, I requested to speak to someone other than the agent XXXX and spoke to someone by the name of XXXX who I thought would comprehend what I was saying but she did not. You have all my personal information which supports who I am and you did not give me the opportunity to submit a picture of me holding my id next to my face which was also proof of who I am. If you were not going to use my face pic holding my id, why would you even send that as an option. You just called me today ; however, I submitted my application about two weeks ago, so you could have did a phone verification initially credit pull and if you were not satisfied that it was me, it was no need to request all of my personal information you have and also request another picture id with me holding the picture next to my face. I can not believe a company would be so unfair. I went through all of this over two weeks, which the company indicates fast funding which is false, for this company to do this, this is extremely upsetting.
I received an EOB from my healthcare provider, I spoke to the debt collector Credence Resource Management who told me to pay the amount I owe as per the EOB and Email them the EOB. I did this, and am now still being chased for extra money I do not owe.
I was really young, I believe just turned XXXX. My Dad took me to get a credit card with a {$500.00} limit, he ended up using it and defaulting on it without me knowing. I was in another state when my parents split. I am now XXXX and ready to start properly using credit cards, I even took a course on using them properly. I was told to come to this website to get that account wiped off my credit report. I really want to start with a clean slate so that I can truly build my future and relationships with the banks. I have since then built a multiple six figure business that is pushing out XXXX in expenses a month. I can be earning points with this but I am not because of my Dad 's ill minded mistake 5 years ago. Just now found out. 

XXXX XXXX, XXXX ( 4 yrs, 7 mos ) Was when the card was opened and {$800.00} was used until XX/XX/XXXX and this was with Wells Fargo. 

Please help me remove this so I can start fresh. Thanks!
To Whom It May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by : 1. XXXX XXXX XXXX -- Unauthorized Credit Inquiry ON DATE : XX/XX/XXXX 2. XXXX XXXX -- Unauthorized Credit Inquiry ON DATE : XX/XX/XXXX, XX/XX/XXXX 3.XXXX XXXX XXXX -- Unauthorized Credit Inquiry ON Date XX/XX/XXXX4. XXXX -- Unauthorized Credit Inquiry ON Date XX/XX/XXXXXX/XX/XXXX5. XXXX XXXX -- Unauthorized Credit Inquiry ON DateXX/XX/XXXX 6. XXXX XXXX XXXX -- Unauthorized Credit Inquiry ON DateXX/XX/XXXX I DID NOT AUTHORIZE THESE inquiries from these company, that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit.
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I have sent this letter certified mail to all credit bureaus and also have sent them to the reporting company and they refuse to remove these unauthorized inquiries. I need your prompt response to this issue. Please be so kind as to forward me all documentation that youve had the unauthorized inquiry removed.
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If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary.
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Thank you, XXXX XXXX XXXX
Ronald H Reynolds is contacting people in my family about me on several family members seeking to me. In fact you no my address and filed on me already. there seems to be a problem since I have file several complaints on Ronald H Reynolds & Associates Your been paid weekly with no response to certified mail and disputes to the bill that you have yet to reply back within reason.
back in XX/XX/XXXX, I spoke with a representative at XXXX who made a payment arrangement with me. The instructions given to me during the contact were that I would be responsible to make XXXX payments on the account to pay in full. I made the XXXX payments and the account was closed. Later, I find out on my report that Capital One is reporting it as a settlement. I was not informed this was a settlement. I spoke with a representative at Capital One on XX/XX/XXXX who acknowledged the error and advised me it would be deleted from the credit bureaus. He just needed to do this and would send me a copy of the letter. After a week of not hearing from this representative, XXXX, I called back and was told he was on an extended absence and that my case would be reassigned. After another week of not hearing from the new case manager, I called and spoke to XXXX with their customer relations department advised me that that I had a {$170.00} balance left owing. She offered to have me pay the balance so that the account would truly show paid in full, not charged off paid in full but said she would get back with me after she checked to see if she could do that. After XXXX days she calls me back to say that I could pay it but it wo n't " help. '' There are so many things wrong on so many levels with how this all transpired. Delayed contact back from Capital One several times, representatives offering to do things that they did n't know if they could do due to lack of knowledge from someone who is in an upper level representative position, answering for their CEO and not knowing her stuff. XXXX promising me that it would be done XX/XX/XXXX and that I 'd get a letter and then XXXX saying that she had that call pulled and listened to and that she could understand why I would be confused by that contact with XXXX and yet not making it right. Then stating that I could pay the {$170.00} but that would start the clock back over resulting in them reporting negatively until XX/XX/XXXX, possible XX/XX/XXXX. I want this removed from the credit bureau due to XXXX 's original agreement to show it paid in full not a settlement.
I received a collection notice from FCS First Collection Services for XXXX ( XXXX ) for {$260.00}. I have n't been operating my business for the last 3 years. I regularly advertised with XXXX XXXX while I had my business and paid that bill monthly. I never advertised with XXXX.
American Express recently completed a review of my finances. My credit cards with that bank have been canceled due to what they have said : according to the income that the bank has assessed based on records on file, my income does not support the spending on the accounts. 

I am XXXX and have substantial benefits for myself and all family members. I am the payee for my daughter. My wife 's benefits are listed in our joint tax filings. The bank has assessed our income based solely on line XXXX, total [ taxable ] income, of our 2014 tax filing. Our XXXX benefits, however, are not taxable and so do not figure into line XXXX of our tax filing. 

The bank has assessed our income at less than 5 % of what should be computed in a standard lending procedure. We had only just completed a different financial review to successfully refinance our automobile, justifying our claims that the income we report to lenders is correct. 

Am I correct in my view that the lending practice of American Express is a violation of the XXXX? Is this also a violation of ECOA ( discriminating based on source of income, i.e. some sources of income shall not be considered XXXX? I have tried educating the financial review team of said bank ; they will not budge. I have spoken to XXXX of the American Express financial review team in XXXX. XXXX did most of the work on my financial review by my understanding. I also appealed to XXXX supervisor, XXXX XXXX. Both XXXX and XXXX did read aloud the portion of social security income listed on our tax filings ( my daughter 's income not shown there XXXX. Neither XXXX nor XXXX would reassess our income. According to conversations with the XXXX ladies, they are under instruction to only assess income as what is shown on XXXX filing line XXXX XXXX total taxable income ) or line XXXX XXXX adjusted gross income ) whichever is higher.
I was approved for a $ XXXX loan back in XX/XX/XXXX. I have been making regular payments to day and have experienced another hardship so went back to apply for an additional $ XXXX loan. When I realized I only needed about {$2500.00} or less, I notified One Main and told them. 

The CSR informed me that I had been approved for the $ XXXX loan however, I would need to use my XXXX as collateral. I told the CSR I did not want to do that and he told me that they could not give me the loan. I then inquired about receiving way less than that amount and was informed that my car would have to be used as collateral. 

I asked the CSR, XXXX, what credit report was used to approving my $ XXXX loan previously. XXXX told me that they pull from all three ( 3 ). I asked him what was different between the two ( 2 ) reports pulled in a matter of months. He stumbled and said that 2 things popped up. Well, that makes no sense as the items that " popped up '' were on my report since XX/XX/XXXX or sooner so you had to see it when you gave me the $ XXXX loan. 

I asked for a copy of the credit reports and was denied review of them but One Main wants to use my credit report as the foundation for requesting a collateral loan.
I am having a difficult time paying my student loans, through Navient, so I put in for a income driven payment plan, and the result was I had to pay {$0.00} last year for my loans, but the interest would still accumulate but I could make interest payments if I wanted to. I am doing this off of the top of my head, so XX/XX/XXXX when that year ended, I had to send in my income tax papers, and I will say here, I made {$24000.00} XX/XX/XXXX, so they based my payments from that. So they expect me to make payments of {$69.00} a month, let me tell you this, I am a XXXX year old widow, who has electric heat as a heat source, works part time at {$13.00} an hour as a XXXX, I drive a vehicle that is 17 years old and I also had to pay {$56.00} a month for that stupid Obama care insurance that I did not use. 
First I get a notice that I have a payment due of {$240.00} on XX/XX/XXXX, got paperwork in for the income driven then they modified the payment, and also changed the date of XX/XX/XXXX. 
Is there any way your agency can help me? 
Thanks XXXX
I have filed complaints against and about sw credit system LP, they have been contacting me to collect a debt from the primary XXXX they agreed to removed an account that I believe to be fraud and not Mines, it was removed from credit report An now has popped back up, this account is not mines it is the act of fraudulent activity, I have asked for debt validation numerous times An have only received bills with my name on it no signature of contract or service, I know that they are required to provide, I know this is identity theft an I have followed every step they have refused to release the proper documents because there are none I have never had XXXX account or sign any documents to pay sw credit system to collect a debt! All contact needs to stop an I need this fraudulent activity deleted from my credit report, they have sent out many different debt collection letter that have had different balance amounts