WillisBack/dataset-financial-user-claim huggingface dataset:
This bank is terrible. They like to make bad judgements on their customers. They closed my account without my knowledge while checks were outstanding and did n't give me a chance to make it good.
American Express fraudulently opened a credit card in my name. After trying endlessly to get them to remove the card it still shows up in their system under my account and has been reported to the credit bureau. There are no charges on the account nor were there ever charges ; it just never should have been opened. They have assured me that it will be removed however those were just lies to get me off the phone. You are not customers to American Express. You are cows to be milked.
I am a victim of identity theft. I have sent all the information requested in order to have fraudulent accounts removed. I have provided police reports, Identity Theft Report, and documentation that several accounts and address on my report are fraud. I have followed al l protocol provided by the FTC to handle Identity Theft. I still have accounts on my report that not been blocked or removed according to section 605B of the  Fair Credit Reporting Act.
Navient has provided false information about my student loans stating they will waive interest and late fees by putting my loan in forbearance. My loan has accumulated interest and late fees. I keep getting numerous calls ( 3-5 a day ) When I speak with a Navient Representative they state they will fix the issue but they never do. I am currently not working a lot due to an injury at work and do not have the funds.
there was a debt that originated in XX/XX/XXXX-XX/XX/XXXX for a cell phone with XXXX. XX/XX/XXXX the debt was voluntarily discharged. that was the last time I heard from this company. I have n't received any mail or phone calls in regard to this debt from this company. but XXXX/XXXX/15 they were able to garnish my acct for all my money. left me without a dime to feed my kids. I have XXXX kids from ages XX/XX/XXXX today is XX/XX/XXXX and I still have n't received anything from this company. but they sent notification to my credit union on XXXX/XXXX/15 .... why have n't I received anything?
I sent a check for {$1300.00} to pay off the balance on my discovercard. AFTER I verified that it was paid in full XXXX days after the check was cashed, I notified my bill pay service ( XXXX ) to pay the entire balance monthly in the future. For reasons I do not understand another check was sent for the same amount. This is what the bill payment company was advised was the balance. I called discovercard and was told that it would be XXXX weeks before they could return the minus balance to me. I am a widow on a fixed income and that would be hard for me, which I explained. The rep said she would send a request for a review for a lower interest rate which I did Not ask for. I suggested that I get a cash advance and deposit it in my checking account. She said that was a good idea but they would charge XXXX % ( about {$70.00} ) to retrieve my own money, I was not asking for a credit advance from them. I felt that I had no choice but to do this. I have had an account with them since XX/XX/1987. If I was asking for an advance of their money I would gladly pay.. but this was a minus balance that they never should have taken from my checking account. Then I received a rude letter declining to lower my interest rate for bogus reasons, ( remember I did not ask for this ) and they had made an inquiry without my permission which I think effects my credit. My communications have been curt as though I never should have expected a timely refund of my own funds. I am closing my account with them, they do not care. I have a {$10000.00}. limit with them which indicates they thought I was credit worthy. I expect nothing but wish to " tell someone '' and you are it! XXXX
I have a Citibank MasterCard. I earn " Dividend Dollars '' ( " Cash Rewards '' ) for card usage. 
1 ) My XXXX monthly statement showed a Cash Rewards balance of {$95.00} ) As I did not use the card for sometime, no monthly statements were issued. 
3 ) My XXXX statement showed the balance to be {$49.00} ) I tried to find when and how my money was " eaten up. '' No help. 
5 ) I requested Citi to generate statements for some intermediate months. They did. But, these statements display no information on Cash Rewards balances. 
6 ) I called up a customer service rep. She was very helpful. But she could find no info on the missing money. She filed in a request. But I never got any money back. 
7 ) I told her about my unsuccessful efforts at writing a complaint letter to the customer service via secured email ( a standard feature that my other financial products companies offer ). She said that my account had no such feature ( she acknowledged that this was highly unusual ). 
8 ) Website informs ( please see screenshot ) Cash rewards you 've earned since being a Citi cardmember $ XXXXXXXXCash rewards you 've redeemed since being a Citi cardmember {$330.00} ) Currently, I have a balance of {$50.00}. So, the rest ( XXXX - XXXX - XXXX ) = {$56.00} was " eaten up '' by the bank. No trace! Request for info and efforts to get the money back meet stonewalling. 
10 ) Citibank recently paid fines to the Federal govt for bad practices. They do not seem to have learned their lessons. Cheating customers of their legitimate money seems to be their practice.
I voluntarily surrendered a car that I bought in XXXX. GM Financial Closed the acct as derogatory- charge off .... " No payment history reported to creditor '', closed date of XXXX/XXXX/XXXX. They are still reporting monthly with a last payment date of XXXX/XXXX/XXXX, past due bal of {$16000.00} .... I filed a dispute with XXXX asking them to investigate as the statue of limitations for TX is 4 years, and if the acct has been listed as closed-charge off since XXXX/XXXX/XXXX there should not be any last payments nor missed payment reported. The dispute was completed on XXXX/XXXX/XXXX, and GM added new information to the acct. They have now changed the status to open-derogatory, deleted the closed date, date of last payment has now been changed to XXXX/XXXX/XXXX, past due amount still shows {$16000.00}. No matter what date you change the last payment date to, looks like they tried to change so it would now be before the charge off, it is still past the four year SOL law for TX. They are filing inaccurate data on my report and have refused to delete it. A creditor can not just change the data on ones report to try to make it " look right ''. A 's far as the new status goes, GM Financial is the original ceditor, and no where on the older reports does it indicate that the acct was closed due to being sold to a XXXX XXXX. By placing the status back to " open '' they are trying to REAGE my acct. This is ILLEGAL. I demand this be removed from my report and they be investigated, for illegal credit reporting and retaliation for a dispute being filed.
At my mortgage signing in 2004, which my spouse was not a borrower on, he signed the mortgage note in error. The lender ( XXXX XXXX XXXX ) put a hand-written note on the last page stating that he 'd signed in error and was not a borrower. All other paperwork has my name only. I just learned about this while trying to do a loan modification with a different mortgage company. Neither XXXX or XXXX ( acquired when XXXX went under ) ever had my spouse on any documentation for 12 years until the new company bought the loan from XXXX. The new company wo n't do my modification without my spouse listed as a borrower. I 'm appealing their decision, but other than hiring an attorney, I 'm not sure what legal recourse I have? Seems like if the lender put a note on there and sent it straight to the bank, that would be enough, right? I 'm going to my county 's courthouse to pull the signed deed, etc ( I was only given blank paperwork with no signatures at signing ). Please let me know if there is anything else i can do. I really need this modification, but do n't want to perpetuate signing incorrect documents that will have an effect on us in the future when we try to buy/sell, etc. Thanks in advance.
On   XXXX   XXXX   XXXX   ( via certified mail ), a letter was se nt to National Credit Systems requ esting documentation to verify the debt and prove my legal obligation to them for information they provided to the credit bureaus relating to a certain account. I asked that all of the requested documentation be furnished within  thirty ( 30 ) da ys of receipt of the request, and I advised if they failed to provide any portion of the requested documentation, all references to the account would need to be immediately removed from my credit files and any further attempts to collect should cease.     I never received a response from the company, and, as such, on   XXXX   XXXX   XXXX    , I sent subsequent correspondence ( via certified mail ) advising that they failed to comply with my initial request and all references to the account needed to be removed from my credit files immediately.     To date, the company still has not complied with my initial request and have not removed the account from my credit files.
Our mortgage was transferred to LoanCare, LLC ( from XXXX ), in XXXX XXXX previously we were paying our mortgage monthly on an auto debit schedule around the XXXX of each month. we were informed that our first payment would be due in XXXX to LoanCare. We waiting until XXXX XXXX, to make sure our auto payment was indeed cancelled w/ the previous company, and then submitted a payment around XXXX XXXX or XXXX, 2016. This check posted to our checking acct at XXXX on XXXX XXXX. however a couple of weeks later we received a notification from LoanCare stating our payment was never received. we had our bank faxed a certified letter stating the payment had indeed posted to our acct and should be credited to our loan. 

We made another payment the XXXX. this check posted to our account on XXXX. Today, we received a letter from loan care stating we owe them {$4700.00} ( XXXX month 's payments ) or they are reporting us to collections. This is mortgage fraud. they are taking our money and not crediting our loan, and threatening to ruin our credit. i am planning to file a police report in case our credit does get dinged. I have reported them to the XXXX ( who I am assuming they have paid to not have their rating listed, as no reviews exist ). I am going to look into changing the mortgage company.
Wells Fargo  Mortgage is claiming ( again ) that several payments have not been made. Last  XXXX , I filed a complaint abou t four  consecutive online payments that had been stolen,  XXXX ,  XXXX ,  XXXX , and  XXXX   XXXX  payments. This was resolved through CFPB.      Wells Fargo  is again claiming that payments have not been made ;  XXXX  and  XXXX ,  XXXX , in the last  XXXX  statements. All payments are being made by check at a local branch, with th e WF  account number, the month being paid for, and specifying payment to principal, interest, and escrow. I make a copy of each check and retain the receipt given me by the teller. Once the check clears, I print out a screen shot of the cancelled check. I was told by a legal advisor that this is the only form of payment I should make, so that a check can not be " lost '' in the mail.     I am being called twice daily, on both my land line and cell phone, and being sent letters saying I am missing payments. I made a phone call in  XXXX  and was told that it would be corrected, which it was not.     All of my payments are current, and I have copies of the cancelled checks.
I have filled out a financial hardship form and explained my situation with the company. I sent it via fax XX/XX/2018. On today XX/XX/2018 I got notification that Penfed pulled my credit report without my authorization. They are further damaging my credit by adding a hard inquiry. This company needs to be stopped. I do not want to be contacted by phone any longer as they call excessively.
Westlake - Wilshire has my account showing closed by grantor and paid charge off. This is untrue! I paid it in full through a refinance of my home back on  XXXX - XXXX -14. I even have a letter from them showing this, yet Wilshire-Westlake reports differently. I 've tried to resolve this many times with them, but they do NOT correct the credit bureaus. please help me to have this corrected. it is lowering my credit score, as well as I keep having a hard time getting credit and refinancing my home.
This debt was for a chase card that my wife had. We fell behind due to medical bills so they sent us to a debt collector. XXXX XXXX XXXX they contacted her at work talked with her boss and demanded to talk with her. They said they wo n't stop calling. When I spoke with them to work out a payment plan. They told me I can pull the money out of my 401k that there is no tax penalty which I know is not true. They also asked why I had to pay my income tax that I can pay them first and pay taxes later with out penalty. I am almost positive a debt collector is not in the postitution to give tax advice or financial advice.
Did not receive any information concerning this debt, this information is inaccurate. I am trying to purchase a home and this collection is damaging my credit
" XXXX is the only official site explicitly directed by Federal law... '' XXXX XXXX XXXX sent me a FALSE ( if not fraudulent ) copy of my Equifax Credit Report today XXXX XXXX, 2017.
According to the representation of XXXX, my Equifax Credit Report says my Debt-to-Credit Ratio on my mortgage is 89 %.
I contacted Equifax. Equifax. The agent states that they do not have such a ratio figure in their system, that they do not have information on my " credit limit '' on my mortgage, and therefore they CAN NOT and COULD NOT report such a Ratio to XXXX. ( My mortgager says the ratio is 21.5 % ) Equifax has sent me an official Credit Report to prove to my satisfaction that such a figure was not and COULD NOT be computed from the data they provided to XXXX.
Because I was sent a credit report under Equifax 's letterhead, I have to believe that XXXX data may be fraudulently representing Equifax data.
( FYI- it took 49 minutes to reach an Equifax agent by phone )
my bank of america housing servicing loan just disappeared in the state of mississippi where did my credit go to in mississippi
There has been fraud and robo-signing going on with the companies that handle our note and Deed of Trust! A complaint will be filed with the CFPB and other agencies in the near future regarding this issue. We are requesting the following information to complete our investigation before we file the fraud and robo-signing complaint with all supporting documentation including a third party investigation, with federal and state agencies! 
Now ; we send our monthly mortgage payments to Ocwen Loan Servicing, our servicer. Our trustee is XXXX XXXX XXXX. Again, I am requesting the following information in writing with documentation! 
First, provide documentation on who Ocwen Loan Servicing sends our monthly payments too. 
Second, provide documentation of when ( dates ) Ocwen sends our payments. 
Third, provide documentation of how much ( amount ) Ocwen sends each month. 
Forth, If Ocwen sends our monthly mortgage payments to XXXX XXXX ( our trustee ) as suppose to be, then Ocwen Loan Servicing must request additional information from XXXX XXXX! 
Fifth, has XXXX XXXX XXXX kept any of the funds that have been received by Litton and Ocwen Loan Servicing since 2006? 
Sixth, provide documentation on which investor did XXXX XXXX XXXX send our monthly payments too going all the way back to XXXX XXXX XXXX, our original lender on XXXX XXXX 2006. 
Seventh, provide documentation on how much did XXXX XXXX send each month to the investor? 
Eighth, provide documentation of the dates when XXXX XXXX sent the payments? 
Ninth, provide documentation on the type of payment sent to the investor? ( check, electronically, ETC ) Be warned, do not add any other information with in your response other than what is requested with in this complaint, otherwise more complaints will be filed against Ocwen Loan Servicing!
on XXXX XXXX 2017 an unauthorized account to account or bank to bank monetary transfer of {$1500.00} dollars was made upon my debit card. I summited and action of stop payment and dispute to the company. They said no error was made in their transfer. They hope too resolve the claim in 11 to 45 days.
Have a Tax lien on my credit report resulted from a back tax bill from wife 's deceased mother. Bill has been paid in full when we found out about itXX/XX/2011. 
tax lien from : XXXX COUNTY CLERKXXXX XXXX XXXX, NY XXXXamount of {$550.00}. Paid in full ( XXXX ) XXXX
I owe a credit card debt, which I do not dispute. The Debt Collector Handling this debt is Presently Portfolio Recover Associates LLC, XXXX : XXXX. My complaint is about their fraudulent use of " spoofing '', using technology that allows Portfolio Recovery Associates to create fake caller I.D . numbers to mislead who is calling me on my cell phone, the latest number they used that was on my phone XXXX cell, was XXXX XXXX, others XXXX XXXX, usa, XXXX XXXX all false caller id numbers, this is fraudulent representation of themselves in regards to who is calling me, Portfolio Recovery Associates. sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I asked this debt collecter for a list of their office branches if they had more than one, they hung up. SS # XXXX please leave my personal information in this document! Do NOT REMOVE IT FOR THE LEGAL RECORD
I filed for bankruptcy about XXXX years ago and since my loan was taken over be Green Tree Services. Up until XXXX 2015 I have never missed a payment my job had ended and I was able to get a job in another state so I could not pay my payment for XXXX. I called and tried to ask if I could use my bankrupcy protection but all I got was I need to make my payment now. I talked to a realtor and we agreed she should try and sell the house she listed it on XXXX XXXX th 2015. We moved on the XXXX XXXX they keep calling to get payments as we were about to be late. I told the person I was not late and the house was on the market he wanted payment now. We had a full price offer on the house in XXXX so I called and told them the house was sold. My realtor calls me a XXXX days later and said that the mortgage company had changed the locks. I called and they said that I had abandoned the property? How did I abandon when I am still paying the electric and water on the property. We found that they had disconnected our meter in the basement for the water I had already turned it of and winterized the house. I called them and said again the house was sold once again they wanted payment told them they will get paid when the house closes on XXXX XXXX th. Keep calling wanting payment and threatening foreclosure if I do n't pay them. I am sick of them that do is want money and call constantly HELP.
I had a mortgage with Shellpoint Mortagage Servicing, XXXX XXXX XXXX, XXXX, TX XXXX refinanced the loan on XXXX XXXX 2015 ( XXXX ). The escrow company wired the payoff to Shellpoint on XXXX XXXX ( XXXX ). Shellpoint claims that they received the payment only on the XXXX of XXXX ( XXXX ). Therefore I land up paying interest on XXXX laons for XXXX XXXX through XXXX XXXX. I think Shellpoint is lying and even though the money was wired to them on XXXX XXXX they are claiming XXXX XXXX.
Second Complaint about lowering my FICO score drastically when Equifax, XXXX and XXXX   show all the same information and XXXX  and XXXX did not drop my scores by 57 and 58 points respectively on the first ( XX/XX/XXXX ) and second report ( XX/XX/XXXX ). 

They are doing NOTHING about this, will not discuss it with me and this is the second time in two weeks they have dropped my score 56-57 points for no reason. 

This is very harmful for my credit rating and the fact that since XX/XX/XXXX, I have worked diligently to pay off all my credit and reestablish myself with excellent credit and reports. 

I was one of the breached with Equifax and keep a close eye on what it going on on their site and this is totally unfair and they should have to answer to YOU and ME.
Filed an original case through CFPB on XX/XX/XXXX against Wells Fargo Dealer Services ( WFDS ) due to non-compliance with a Small Claims lawsuit I was awarded as the Plaintiff versus WFDS ( Defendant ) to remove unfounded and unsubstantiated records with each credit reporting agency regarding alleged missed payments for a XX/XX/XXXX auto loan. The company did not respond to the CFPB complaint within 30 days, according to the CFPB. Therefore, the CFPB resent the complaint and notice that it had not heard a response, violating consumer protection rules. I then received a call on XX/XX/XXXX from WFDS that "  the case was still open. We wanted to contact you to let you know we 're working to resolve this case regarding the small claims legal action you were awarded against Wells Fargo Dealer Services and the case you reported to the CFPB. We will be in contact with you every 3 to 4 days for transparency purposes, and to just keep you in the loop on our processing your complaints and legal action. Please feel free to contact us during business hours with any questions. '' I never heard back from WFDS after this call. I then contacted WFDS on XX/XX/XXXX. I was transferred to the Legal Department and spoke directly with an individual who stated that he was now the Legal Analyst for both of my cases, and that he is working on quickly getting the cases resolved and settled. " I will be in regular contact with you to assure you of your legal action against WFDS awarded by the court in your state, and get this done quickly and these cases resolved and closed. Call me any time. Let 's keep in contact. '' I never heard back from him again. I left a voice message on XX/XX/XXXX for the the Legal Analyst. Voice message stated he 'll return on XX/XX/XXXX. I left a voice message for his supervisor as his message states to do on the same day. I never received a call back from her either. I then attempted both contact numbers on XX/XX/XXXX and received the same old voice message and the supervisor 's contact suspiciously deletes. It is my firm belief that WFDS is intransigent, avoiding, and stalling ever since the court ordered WFDS to award my settlement and remove the false records of late payments from each credit reporting agency.
I ordered a product that turned out to be not as advertised. I returned it using the return shipping label that was provided in the package. I tried to resolve this with the seller, who said they run into these types of problems all the time and would refund my purchase minus a 20 % restocking fee. I told them the product was not as advertised and I was owed the full refund. Then the seller said I need to register my email with paypal in order to receive a refund. When I told them I was registered as such, they said they could n't find it and they had " to move on '' and would " not respond to any more emails ''. By that time, it was outside the window in which Ebay could have helped. Paypal said they would help but they need the tracking number, but I explained that the seller would have that because they issued the return label, but they do not require the seller to help resolve this, so no help. I am out my money as well as the product and I only did what was normal, return a product using the label provided by the seller. Paypal could and should refund my money. Paypal protects sellers who are crooks and scammers.