WillisBack/dataset-financial-user-claim huggingface dataset:
[ Case number : XXXXHi! This is my second time contacting you. I had written a complaint about my mortgage company lack of help with selling my home on a short sale. I have had a qualified buyer for 11 months. After my complaint to you I heard from them immediately and it seemed they were on top of it calling me every couple days. Now it has been 3 weeks and no word. They are not returning my realtors phone calls or e mails asking where things are at. Not sure where to go from here?
Submitted multiple complaints that all were decided in the consumers favor as Navy Federal continues to disregard original guidance and decisions from CFPB.
I find it pretty stupid that Sterling Talent solutions does not do background check based on social security numbers, and that you get someone elses info on mine costing me employment. I have never had a criminal record and I have never been to XXXX so all the info pertaining to a XXXX XXXX is bogus, as well as anything else outside of XXXX where I have lived all my life except for 9 months in XXXX at which time I still owned my residence in XXXX. This needs to be addresses as soon as possible in conjunction with the CFPB Thanks Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XX/XX/XXXX SS XXXX DL XXXX
I called Ditech for payoff information and was told to cancel automatic ACH and to mail my payoff amount. I did both. Unfortunately, they took my ACH ( they didn't cancel it ) and also took my payoff check. They also owed me more than {$6500.00} in escrow. When I called Ditech the first time to inquire about my refund, they said they would refund my money in 20 days. It's been six weeks and I've called multiple times and each time they have a new excuse for not refunding my money -- from the check is in the mail, to there was a printing error. It's never the same excuse. It's been well over the amount of time they said they would refund the check and, as the amounts total more than {$10000.00}, I am anxious to get the money and am worried they will refuse to pay it back.
Fraudulent charges were made on my credit card in the amount of over {$1600.00}, I reported the incident the moment it appeared on my pending transactions online. The physical credit card has been on my person throughout the entire time and the transactions were made in a location where I was over XXXXmiles away from. 

I tried to report the issue immediately but instead the agent said I must wait until it appears on my statement before they will do anything. I then waited until the statement was completed and remade my phone call, they then closed my account to issue a new credit card with a delivery of 1-2 weeks. 

I then tried to make a purchase using the online portal but the credit card was not available, I then called to make a payment but they never removed the fraudulent charges. I spoke to an agent and they said it is their policy that they keep it occurring interest until their investigation is concluded. I was also unable to make a payment until I receive my new credit card. 

When I received my new card, I activated it and then tried to make a payment on the portal. I called because the now activated card was not present, the agent I spoke to said it will take up to 4 days before the account is linked. I explained I do not want to be held liable for interest or late fees since I pay my credit card in full. He assured me it will not be an issue. 
I am filing this complaint because the method in which they handle this, refusing to remove fraud charges, allowing fraud charges to continue accumulating interest and blocking my access to make a payment, seems to heavily favor them in terms of late fees and interest. I do not trust this company since they are working outside the norm and wish to be protected.
We had a 2nd mortgage which was sold several times and ultimately was sold to XXXX XXXX. During the recession XXXX we applied for mitigation of the second mortgage with them because our home was underwater ( still is ) and we were being harassed by telephone, mail and even had their representative come to our house several times and threated my mother in law. I filed a complaint and the harassing stopped at which time the mitigation was addressed and we made one final payment and the balance was forgiven as the mortgage company was given federal funds to settle cases like ours. 
I am extremely upset at this resurfacing 7+ years later through ditech which has been non responsive and disrespectful not acknowledging the fact that the 2nd mortgage was released by XXXX XXXX so many years ago. This has resurfaced and ruined my credit. We have made several attempts via calls and correspondence to communicate with Ditech Financial, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX account # XXXX As a consumer we have no control over the secondary market selling bad paper to companies like Ditech . XXXX XXXX sold our closed 2nd mortgage file to Ditech for pennies on the dollar and now they are ruining my credit and harassing us to acknowledge a debt we do not have for a 2nd mortgage on a house that is XXXX underwater.
I am submitting this complaint about experian credit reporting agency. My XXXX/XXXX account was recently changed and put in the " potentially negative '' part of my credit report. I again called last week to dispute this information. This account was corrected in the past after I sent in the letter from XXXX/XXXX shops to verify that there has never been a late payment made on this account. It is suppose to be reported as accounts in good standing. Last month experian for whatever reason moved this account and put it back into potentially negative which affected my credit score. I have sent experian 2 copies 2 seperate times the letter I received from XXXX stating the account was never paid late. Experian should have this letter on file and I questioned it and was told they can re-dispute it for me. That is not the answer this account should have never been moved to accounts that are potentially negative. My complaint is I spend valued time on the phone with experian trying to correct the incorrect things on my credit report. Now I have to wait 30 days again before a response. This should have never been changed to begin with. I spend time money on stamps copies of the letter etc to correct the wrong information when finally it is corrected then a few months later it is back to square one.
XXXX  has listed my loans several times on my credit report a lot of the accounts have the same account number associated with them. I consolidated the loans so therefore the other loans should show as paid in full and the derogatory information should be removed. I have also received loan forgiveness for federal loans from  XXXX  University, yet  XXXX  refuses to deduct this amount from my outstanding loans. I filed a borrowers defense through th e Dept of Ed an d that resulted in the loans being forgiven yet  XXXX  is saying I still owe them. I have called and spoke with people there to no avail.
Discover Bank XXXX XXXX XXXX XXXX DE XXXX  Account : XXXX Date Opened : XX/XX/XXXX Amount : {$1.00}, XXXX   TERMS AND CONDITIONS OF DISPUTE 1 ) These accounts, opened in XX/XX/XXXX andXX/XX/XXXX commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, aXX/XX/XXXX thru XX/XX/XXXXtimeframe.

2 ) The address provided to and reported by Discover Bank is one that XXXX XXXX  has never lived at, in a State in which he has never been a resident. We have provided signed documentation from the management company which proves this fact. ( Figure C ) 3 ) Discover Bank failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of Discover Bank to comply with : 31 CFR, Part 1020, Rules for Banks, Subpart D 1020.410Records to be made and retained by banks and Opening Account Procedures.

The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 4 ) XXXX XXXX  was living abroad at the time this account was created. It is because of these facts, and the documentation including : a signed Fraud Affidavit, reports from two law enforcement agencies, a report from the Internal Revenue Service confirming our client as a fraud and identity theft victim ) provided which proves that this account was in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line.
I have a home equity loan with Wells Fargo. Loan was due and payable XX/XX/XXXX. I started talking with Wells XX/XX/XXXX knowing I could not pay it off in XXXX. After about six months of talking they said they would be able to set me up with a payment plan. I said ok great what 's next. Wells told me I needed to make three months of trial payments to see if I could " afford '' it. I complied with their request made all the payments on time. Fast forward now to XX/XX/XXXX the loan they presented to me and both parties agreed to is still not completed. Wells Fargo now has reported me as being late and ruined my credit. They also mistakenly added a escrow account to my first mortgage and caused my payment to go up {$300.00} per month. So through this whole process Wells has crippled my credit and made my first mortgage payment go up and I still do not have a payment plan in place. I just want to get this payment plan done and my credit restored. I have lived in this house for 27 years and have never missed a payment on the first or second. Also I keep getting late notices and foreclosure threats. I always call to ask about the letters they tell me just ignore them your loan is in process and you should not be getting the letters.
Discover purchased my private student loan from XXXX, and refuses to acknowledge a {$20000.00} deposit made on the principal balance inside the XXXX VA XXXX branch, made in person, on XXXX XXXX 2008. Discover has no record of that deposit, and is blaming XXXX. Except XXXX is claiming that they do in fact have record of the deposit and claim all of that information was given to Discover.
Back in XXXX I leased a XXXX I paid it off owing XXXX XXXX in XXXX, all 3 credit bureaus have me owing a balance of {$5200.00} I have reached out to all 3 Bureaus several times XXXX removed the debt & put it back in my report a few months later..
Apparently, the company has flagged my account for a collection for an amount of {$18.00}. I have no idea who they are or who I might owe this amount to, because I have not been contacted by anyone about this, as far as I can recall. I contacted the company and left a voicemail with my name and phone number in case they decide to contact me directly.
I filed for a lease extension at the termination of my lease through XXXX XXXX and they never told me that this was a new application. I had no idea that my auto payment was not going to continue to make the monthly payments. In 36 months I was never late a day. I was traveling and the only number that they had on file was my mother 's, she has been busy caring for my father in the hospital. She doesn't open mail in my name so she missed the letter that they sent me. Because I was completely uninformed that this was a new application, and there was no continuation of the previous auto payment my credit score has been severely impacted, so my new lease is greatly suffering.
I financed dental work through Care Credit which has a " no interest if paid in full '' by the time limit financing. I was one day late paying the minimum due in XXXX, 2015 and was charged a {$25.00} late fee. Every month since then, Care Credit has charged a {$2.00} per month interest charge ( 26.99 % interest ) on the {$25.00} late fee.The late fee was submitted as an additional amount for the minimum payment due, but Care Credit continues charge the {$2.00} per month interest charge on the late fee. I have now paid {$18.00} for the {$25.00} late fee. Very deceptive practices going on!
XXXX XXXX on XX/XX/XXXX allowed a person who cashed my life insurance policy which was only in my name who committed forgery signing my name to deposit the check into their account and not even endorcing to themselves. When I found out I went to the bank I contacted my life insurance company XXXX XXXX XXXX and got their fraud department involved in it. They took money back out of her account to send back to XXXX XXXX XXXX and the person gave false documents stating I had told her to do it. She used her own fax machine called pretending to be me and the bank then put the money back into her account. Then I told them oh wait let me show you exactly what was stated to me via text that a check came in both our names she did n't say what for I had recently XXXX my twin grandson and thought a donation I was in XXXX XXXX but I have XXXX and believe me I need my life insurance that my Grandpa started on XX/XX/XXXX. The bank sent back the money to XXXX XXXX XXXX again but then the insurance company sent me the check wanting an additional 400 plus more along with check to reinstate my policy because of penelties interest etc. gave me 3 weeks to send all that back. I did n't have the money my XXXX cost XXXX to XXXX XXXX XXXX. I lost my insurance for a mistake I was not even part of. I feel everyone was at fault but me. I did n't have money to hire an attorney so I lost all the way around.
I called my Student Loan company Navient today because I wanted to ask about how to pay off my loan in full. I needed to also turn off my automatic payment which would come out of my bank on the XX/XX/XXXX to avoid over payment. I was told I would need to shut off my auto pay online only. I said I would send in the full amount for XXXX private loans adding up to over {$19000.00}. I was told I needed to sign in online. I just wanted address so my bank could send the payment correctly. 

I am on XXXX and have a lump sum settlement from my XXXX. Anyways when I checked online, it shows my federal loans paid off which is correct but my private loans are no where to be found. I have a XXXX balance with Navient. What my loans are being moved? No contact, not even told this on the phone. 

So how do I get the loans paid off, I do not want those automatic payments coming out of my account I notified them in time to stop them before the XX/XX/XXXX. I want to be done with this craziness. Ugh! Hate this company, horrible to work with, horrible customer service. Was never like this with XXXX. Can you help me find my loans? I am sure you will be better help they their are! I have another small XXXX with another company XXXX something or another for just over {$700.00}. I sure hope I can pay that off with out a hassle. I just want to pay it off so that my XXXX income can just go to meds, doctor bills, food, and XXXX rent. Imagine this I want to pay them completely off and they did not have the decency to tell on the phone they have been moved elsewhere? No go fight with their horrible website to then find out that you can not shut off the automatic payment. Guess I am calling the credit unit to stop the transfers. Horrible company. 

P.S. My father is retired XXXX, and a co-signer. He took me back in when I became too sick with XXXX 's XXXX. I just want to break free from these loans so that they do not impact his retirement or credit. It will give me piece of mind after I move into XXXX housing next month.
Transunion as normal makes it impossible to file a dispute. There is erroneous info about late payments on my report from XXXX XXXX XXXX on a car loan which has been paid by the insurance company. I tried to file a dispute and Transunion site just stops allowing me to continue every time. these hang ups are clearly a way to discourage customers and should be considered a severe violation. I 'm being refuse access to file disputes because of an ongoing failure of their site which they refuse to fix.
XXXX were doing a loan modification on our home in which they told us they were going to do a dummy bankruptcy to stop the sale of our home. Unknowing to us it was n't a dummy bankruptcy because it is now on our credit. I filed a complaint with Consumer Finance about this company already. This company is located in XXXX XXXX XXXX and we are located in XXXX XXXX and from my now understanding they broke federal law in doing this. we would like for this public record to be removed from our credit report. They charged us {$4200.00} for a modification that we did not accept and {$1500.00} for a supposly dummy bankruptcy. XXXX scammed us out of {$5700.00} for services not rendered. My XXXX complaint with XXXX # XXXX was dismissed, I would like for you to please take a look at XXXX cases. This company is scamming people out of their money and should be held accountable.
I have been trying since the XX/XX/XXXX to get my mortgage remodified. I have been denied this request 3 times by Nationstar. The last two times I feel are erroneous and I just submitted a 4th request. 
I have XXXX income, I eliminated by debt by filing Chapter XXXX bankruptcy, I totaled my car and have no real bills to pay and by doing so I reduced my monthly expenses by over {$1000.00} a month and yet Nationstar claims I still do n't qualify. I went thru XXXX and they ran the numbers and they said I was eligible. How can I still not qualify for anything after eliminating a huge amount of debt? And I keep getting the same exact denial reasons which ca n't be true because my monthly debt has been significantly reduced?! I am confused. Nationstar wants to continue denying my request so they can foreclose on my home and take it. They are not trying to work with me and their continuous denials of my request for mortgage assistance is a veiled attempt at stealing my home. Please have someone look into this. This has got to be against the law. I work very hard and am dong the best I can but how can I compete with a greedy mortgage company who is giving me the run around so they can steal my home?! Help! If you ca n't help then tell me who can because I am in dire need of assistance. Please do n't let them take my home!
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN has violated the FCRA by filing a collection notice on my credit report without notice. The debt is for a XXXX account. I have never had a XXXX account. XXXX claims to have done an investigation but they would have had evidence of the XXXX credit check if I had ever had an account. So they didn't actually investigate at all outside of asking the collection company if I owed the money. How am I supposed to prove to them I've never had a XXXX account. I don't have documentation of something I've never had
Per my Equifax credit report last checked on XX/XX/XXXX Confirmation # : XXXX there is an account that should not be on my credit report. I have tried 5 times in XX/XX/XXXX to remove a XXXX XXXX XXXX account from my credit as inaccurate information is being reported. I have found a major discrepancy and I have tried many times to correct the issue directly with XXXX XXXX XXXX and Equifax as well but have gotten no where with the issue. The date of first delinquency on this account is incorrect. Back in XX/XX/XXXX the car that I had financed at the time through XXXX XXXX XXXX was repossessed. For some reason they are reporting to Equifax that the date of first delinquency was on XX/XX/XXXX. It is impossible for a car to be repossessed by the bank if the consumer is not past due therefore the date of first delinquency is incorrect. The other inaccuracy I found was that the 81 Month Payment Chart does n't even match the date of first delinquency. For the 81 months shown on the payment chart it is full of NR ( Not Reported ) or CO ( Charge Off ). On the 81 Month Payment chart on XX/XX/XXXX which is the supposedly date of first delinquency XXXX XXXX reported NR ( Not Reported ). If I were delinquent on that date the 81 Month Payment chart should reflect a 30,60,90,120 etc showing some sort of proof that I was late. The information that they are reporting within itself does n't match. Let alone it is the incorrect date. If the account would be reported correctly with the correct date of first delinquency being XX/XX/XXXX when the car financed was repossessed the 7 years from that date would of been in XX/XX/XXXX meaning that this item would no longer even be on my credit report. Please review the details of this account carefully as you will find exactly what I am referring to and see that this account should be removed from my Equifax report. One last thing I would like to add is that XXXX  and XXXX removed this account on their own as they had the correct information being reported at the time and automatically removed the account at the 7 years from the date of first delinquency. Equifax is the only bureau with the problem.
I have a complaint with Ally Bank Automobile Loan. I have accrued late charges on a car loan totaling over {$130.00}. Each time I try to make the payment online, it is applied to the vehicle payment. I have called and they have told my to add to the vehicle payment. I have tried with no avail. They hung up on me during my last call even though I was pleasant but not understanding how the late charges work or are accrued.
For quite some time, I have been on the opt-out list for receiving credit card and insurance mail solicitations. Today, American Express mailed me a solicitation for their " Premier Rewards '' credit card. Surely, this established company has access to opt-out lists and can see that I 'm on it. People are tired of this XXXX. Please have American Express stop sending me their unwelcome solicitations or promotions.
I have submitted several disputes to Equifax who fails to thoroughly investigate and delete these fraudulent accounts. I sent police reports stating that these accounts are not mine. 

The following accounts need to be deleted within four days. My rights have been violated by Equifax and I will be filing lawsuit against Equifax. 

1. XXXX XXXX Acct # XXXX 2. XXXX Acct # : XXXX 3. XXXX XXXX XXXX XXXX Acct # : XXXX 4. XXXX XXXX XXXX   Acct # : XXXX 5. XXXX XXXX Acct # : XXXX
I had an excellent payment history with Discover card, and in XX/XX/XXXX they raised my limit from {$2500.00} to {$2800.00}. Just 3 weeks later they closed my account simply because a med-ical bill appeared in the collections category.on my credit report. They never gave me a chance to prove that this bill was paid. This ridiculous arbitrary decision by Discover card was totally uncalled for, and they have substantially damaged my credit in the process. I believe Discover card owes me substantial damages for their actions, and any credit card company that does business this way should be shut down.