WillisBack/dataset-financial-user-claim huggingface dataset:
We attempted last year to get a modification and after months of stalling on Bank of America 's part they offered us a modification which was higher than our current payment. We declined after which we received numerous paperwork stating what our new payment was to be including an escrow account, which we do not want as we have never had one and handle the taxes and insurance on our own and have never had an issue. They have now paid our insurance and taxes and not credited our account with any payments towards principal and interest for the past three months. They have also reported us to the XXXX credit bureaus as having late payments even though our mortgage actually was discharged thru Chapter XXXX bankruptcy in 2008. Now they say we can not get rid of the escrow because we are " late '' on payments. Also we can not go outside of Bank of America due to the late payments appearing on our credit reports.
In XX/XX/2018 I filled out form in order to open an account at Suntrust Bank considering I was about to start work and needed an account to receive my wage. 
As per the teller information, my account was opened. They gave me my bank details and copies of documents related to the account opening. I also made a {$100.00} deposit. 
When I started working on XX/XX/2018 I gave my Suntrust Details for my employer for Direct Deposits purpose. 
In the other hand, my debit card never arrived. I got in touch with the Bank on the first week of XX/XX/XXXX and was informed that my account had been closed. Ive never received any explanation about that. 
For my Surprise, for the time being my deposit was not returned. 
Suntrust cancelled my account and never returned my money. 
I would like to file a complaint to get my case solved and my money returned.
My credit report shows a h ard inquiry from CitiBank. I did not authorize this inquiry and would like it removed from my credit report CITIBANK NA.,    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,   XXXX
Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billinge Fair Credit Billing Act of 1975 ( FCBA. I have tried to fix this problem but transunion ignored my request for proof Pursuant to 15 USC section 611 ( i ) ( 7 ) and section ( 6 ) ( 1 ) ( iii ). I want valid proof attached to this complaint that these account belong to me and how they verified i was late on these accounts under Fair Credit Reporting Act.
Good afternoon. I am filing another complaint in regards to Suntrust Bank. Since the initial opening of the account, I had requested overdraft protection on the account, meaning : It will never result to a negative balance. After the first complaint, I had refilled the account back to positive. However, there are still continuous issues with the checking account. I do not ever seek for the account to result to a negative balance. Transactions are never declined, and it is a serious issue.
My account has been hit with a negative balance fee on top of overdraft fees. None of my personal banking reps could explain to me or understand what this fee is. Once I called the phone reps explained it as a fee given when deposited funds are not available and are able to be used. This is not my case however. My account has been charged with a negative balance service charge which then puts my account in the negative .I am charged an overdraft fee and then I am charged again for a negative balance fee for the same occurrence. I have been double charged for the same overrdraft caused by this " negative balance fee " and then the cycle happens the very next month for having a negative balance. Ive been charged nearly XXXX $ in the last two months alone. This seems very unfair and I feel taken advantage of especially since my personal banking reps had no clue what a negative balance fee was there for how could I as a customer. I am a seasonal small business this is my XXXX year going into business and I feel Fifth Third Bank is taking advantage of me. If this is not resolved I am shutting down my account immediately and taking my complaint to the highest level possible. I will spread the word that Fifth Third is not a bank for small businesses that often struggle with making ends meet only to be gouged with high fees.
the person I talked to maked threats to take my things. also maked threats to have me lose my job an also have me on the streets. he came to my job an to my home.
THIS CONSUMER FINANCIAL PROTECTION BUREAU ( " CFPB '' ) ' COMPLAINT ( S ) IS ( ARE ) RELATED TO MY PREVIOSLY FILED CFPB COMPLAINT AGAINST THE SO-CALLED, XXXX CREDIT REPORTING AGENCY/CORPORATION THAT IS ( ARE ) DOCKETED AT XXXX ET. AL. I HAD THIS WELLS FARGO PERSONAL LINE OF CREDIT SINCE THE YEAR OF XX/XX/XXXX, AND I HAD NEVER BEEN LATE WITH A PAYMENT, AND/OR EVEN MISSED A PAYMENT, AND ETCETERA. IT WAS NOT UNTIL NEGATVE INFORMATION PURPORTEDLY APPEARED ON MY SO-CALLED, XXXX CREDIT REPORT, AND AFTER BEING TOLD I HAD TO MAKE AN ANNUAL FEE PAYMENT, ON OR ABOUT, XX/XX/XXXX, TO RE-ACTIVATE MY WELLS FARGO BANK PERSONAL LINE OF CREDIT, WAS WHEN YOUR WELLS FARGO BANK, TOTALLY ILLEGALLY AND TOTALLY WRONGFULLY AND TOTALLY FRAUDULENTLY CLOSED MY WELLS FARGO BANK PERSONAL LINE OF CREDIT EVEN AFTER I HAD PAID THEM THE ANNUAL FEE, WHICH THEY HAD PROMISED THAT THEY WOULD RE-ACTIVATE MY WFB PERSONAL LINE OF CREDIT, WHICH THEY HAD THENIMMEDIATELY CLOSED.-
XXXX is showing as a hard inquiry on my report, but I do not have an account with them and did not apply for one. I also did not recieve a letter. I am requesting that this hard inquiry be removed from all 3 credit reports.
I have a private student loan with Wells Fargo that is currently in their collections department. I have tried with great effort to pay on this account and to bring it current. XX/XX/2016 I applied for a financial hardship forbearance to help reduce or delay my monthly payments and was denied. On XX/XX/2016 I called and spoke with a Wells Fargo representative ( employee ID # XXXX ) with my concern over my past due amount and monthly payment amount. I asked her what I had to do to bring my account current and be eligible for a forbearance. She told me that if I made three consecutive payments of {$70.00} they would be able to place the remaining balance due to the end of the loan, bringing me current and granting me a forbearance. I made payments of {$70.00} for XX/XX/XXXX, XX/XX/XXXX and XXXX as they requested. I even called Wells Fargo XX/XX/2016, to confirm payments made and that the agreement we made was still in place and they ensured me it was. The XXXX payments were paid on time. ( however they still charged me late fees ). On XX/XX/XXXX and XX/XX/XXXX I called Wells Fargo to discuss the position of my loan, preparing to have it brought current and a forbearance be put in place. XXXX Wells Fargo representatives that I spoke with acknowledged the agreement they had made with me on XX/XX/2016 however, they would not work with me on a forbearance or bringing the loan current. They absolutely refused to help me. My income is approximately {$1500.00} a month. My living expenses alone account for almost 75 % of that. My loan amount with Wells Fargo is {$7200.00}. I am not looking to dismiss the loan, I am only looking to cease payments for a period of time or lower my monthly payment to one I can afford. I am concerned about this loan and how it continues to affect my credit. I would greatly appreciate any help and/or guidance with this situation. Thank you
There is a collection that I have disputed several times and I do not owe them a penny. I love right now in XXXX XXXX apartments. I need help
On XXXX XXXX, 2016. I received three phone calls at XXXX, XXXX and XXXX. The phone number being called is my work phone number. The voicemail for this number clearly indicates this is a business line. No messages were left, no indication of who or why these calls were being made. I had to place a business conversation on hold and called XXXX at XXXX to ask them to stop. I spoke with someone named XXXX and advised him the calls they were making were interfering with my ability to do my job. XXXX said he understood the importance of being able to work and said he would ensure they calls would stop. The calls did n't stop. The next call I received was at XXXX. I believe this is a direct violation of the TCPA which should result in a penalty paid to me in the amount of {$1500.00} for knowingly violating.
FedLoan, a company that " manages '' student loan repayment, has consistently made errors in processing my account and paperwork. I consolidated my loans two years ago and set up IBR and direct debit. I have a considerable amount in student loans ( over {$80000.00} ) and wanted to take advantage of the great new loan repayment options. Every year, I have to submit an updated application and my taxes to calculate the IBR. I did so in XX/XX/XXXX. In XX/XX/XXXX, I received messages that I did not submit my paperwork and my payments would go from {$150.00} to over {$900.00}. I contacted the company immediately and was told that I did n't submit anything. I asked them to look again and they found it. It had been there all along. It was complete and ready to be processed. I sent in the paperwork early because I my job was going to be changing in the summer and I did n't want to have anything else to worry about. My options for correcting their mistakes ( which apparently was on me and not them ) were to go into collections or put my loans into deferment ( with accruing interest ) until they could resolve the issue. I asked the customer service rep if it sounds like I am being penalized for their mistake and her response was " yes. '' I also submitted a public service loan forgiveness ( PSLF ) form in XX/XX/XXXX. It came up on my account, but when I called and asked why payments were n't going toward that program, I was told that they did n't have my paperwork. I asked if I had to resubmit it every year and the customer service rep said no, but I should send another one anyway. I sent it in and it was rejected for not having complete information. As far as I can tell, everything was complete and correct. Now I have to resubmit the form for the THIRD time in TWO years. If I were this incompetent in my workplace, I 'd never get a job again.
Fast forward to XX/XX/XXXX. My first recalculated IBR payment is taken from my bank account. I knew it was coming and was prepared. Then I started getting emails that I had n't made any payments and my accounts were delinquent. I called the company and after a very frustrating phone call, I learned that when my loans were put back into repayment through direct debit, they forgot to include one. I went in and fixed it, but once again, mistakes on their part become my responsibility to fix.
XXXX XXXX XXXX sold the servicing of our mortgage to Nationstar while we were in Chapter XXXX. Nationstar tried to collect funds that were not authorized by the trustee. We recently refinanced our loan through XXXX XXXX. XXXX told us that Nationstar would be refunding excess monies in our escrow account. That refund has not occurred. We believe that Nationstar has stolen some amount of money from us in violation of court orders and is illegally profiting from the purchase of servicing rights on our home loan. We would like a full and complete accounting of all funds handled by Nationstar while they serviced our mortgage and an explanation of why the excess escrow funds have not been refunded as promised. This entire experience with Nationstar was a nightmare and offices such as the Consumer Financial Protection Bureau are needed to protect citizens from the questionable practices of companies like Nationstar.
XXXX IS ONCE AGAIN REPORTING XXXX BANKRUPTCY PUBLIC RECORD BELONG TO XXXX XXXX XXXX, XXXX AND 4 ACCOUNTS IN OTHER SECTION, BEEN PENDING DISPUTE STATUS FOR 5 MONTHS NOW DELETE ALL 4.
Having the same problems with Ocwen loan company that I filled the complaint 1 1/2 years ago. We are going on year 3 with this problem. We had a modification in XXXX of 2013 that was approved, signed and notarized by us. We made the first XXXX payments and they stopped taken the payments. The sent us a new bill with a different amount and I call XXXX the company that has the title for our loan and the company that gave us the modification. They said that Ocwen was just behind and it should be fixed in a couple months. I waited and Ocwen told me that they made a MISTAKE. This mistake has cost me so much money because are credit if awful. After the last complaint I filed they told me they would take it off are credit back to when the loan was signed, but they will not give us a new loan. I receive bills for both amounts but can and will not pay either until I have a really loan that is signed by us, not something they just made up. I have hired a lawyer, and he is having the hardest time to get any help for us. I do n't know what to do but file a lawsuit against them. My husband and my credit is awful and we bought a car a year ago and it has affected what we pay for that loan. HELP!
I keep receiving notices from Jefferson Capital Systems for an account I do not own. I have never taken out credit with the original creditor ( XXXX ). Yet this agency continues to harrass me.
I was told that i needed to make my car payment on friday in order to not have my car repossessed. I made my payment on friday at XXXX. I was not told that it had to be in at a certian time. " XXXX the supervisor '' is who I made this arrangement with. " XXXX '' ended up going home early on friday and didnt call the repo company to cancel the repo order he already had put in, and wasnt supposed have even orderedto according to or agreement. That Sunday they repossessed my vehicle. I called them on Monday, the apologized for the error, I went to the car repo center and got my car back, no charge.since it was their error. Now they have me listed as car redeemed and account closed. I still drive the vehicle and i am current. They admit it was their error, didnt even charge me to pick it back up acknowledging it was their error, but refuse to remove the credit report entry stating account closed car redeemed amount due zero. I have asked XXXX XXXX to fix this, he submitted a request. I got the request back in the mail saying they stand by their entry and will not change it. I called XXXX XXXX and asked him again. he said he will not change it and it is accurate. I said then I owe you nothing since you say account bal is XXXX. I said you cant have it both ways. so, either it comes off or i owe nothing as the report says. he refuses to make it accurate. I need your help this is a major problematic company with an excessive amount of customer complaints.
XXXX  XXXX reports my XXXX XXXX account into collection. This account was paid in full and should have never been reported on my credit report.
I have put in for disputes I recently XX/XX/XXXX Have received a call from my parents home about being served papers of a court summons dates XX/XX/XXXX Not giving me the proper timing to respond This has shown on my credit report by two different collectors I  have no idea the debt their collecting And frankly feel like their fraudulently doing this ... 


Last year XXXX XXXX XXXX asked me to pay a large lump sum through some account I did and its still on my report after sending XXXX  two years ago its still there .... 

So this makes me feel like this maybe something similar that their trying to pocket money for a sycophany bank I do not recall any loans from this bank
In XXXX, XXXX I was temporary leaving in XXXX, Where I was a customer for XXXX for the period of XXXX month by the end of XXXX I closed the account and sent their equipment back in the XXXX mailer they provided. I move to my present address on XXXX XXXX, XXXX. On XXXX XXXX XXXX through XXXX XXXX XXXX went into my XXXX Consumer Report and report this account as collection for the amount of {$420.00}. I called XXXX and after speaking with XXXX customer services person XXXX XXXX XXXX, who stated that I own this amount from the services address XXXX XXXX XXXX XXXX, NY and the account was set on XXXX, XXXX with a last payment XXXX on XXXX, XXXX. I informed her that never leave in XXXX XXXX XXXX XXXX, NY. 
On the month of XXXX I placed a disputed with XXXX Consumer Report base on the information stated above was not requested by me nor leave in XXXX XXXX XXXX XXXX, NY as they indicated. The account was delete from my XXXX credit report on XXXX, XXXX as conclusion of the disputed. On XXXX XXXX, XXXX I receive a letter from XXXX XXXX XXXX where state the account was remove base on statute of limitations. 
On XXXX XXXX, Enhanced Recovery CO LLC report this account on my XXXX Consumer Report and XXXX Consumer Report making my FICO score to drop dramatically. Immediately I sent a certify letter requesting debt validation and informing that base on the Fair Debt Collection Practices Act this type of debt has Time-Barred. Therefore let this letter serve as notification that I do not wish to be contacted about this debt since a violation of the Fair Debt Collection Practices Act apply. 
Enhanced Recovery Company continue to ignore my request in this matter. Both XXXX XXXX and XXXX need to be examined for these bogus activities. My credit is good enough that I will not take the " hit '' of {$420.00} nonpayment with a notation that I dispute the charge. I am requesting an investigation on this matter and order to stop XXXX and XXXX in this spurious business conduct.
XXXX XXXX XXXXXXXX has reported on my credit report for XXXX that I had 3 payments 30 or more days past due this information was and is incorrect i have sent numerous letters and responses to them asking for information regarding this reporting the bank continues to send me responces stating that my credit report is accurat but no documentation supporting the reporting of negative payments i have sent the XXXX XXXX XXXX numerous document showing past mistake of my payment that were misapplied by thier associates yet they still will not correct my credit report the XXXX XXXX XXXX has the wrong infor mation on my payment, balance last payments amount made & ect i have recently sent them a letter ( This is the exact letter ) and other information im having problems with the problem im having Date BLANK BLANK BLANK Complaint Dispute on credit report reporting XXXX XXXX XXXX Address Mail XXXX fl XXXX XXXX XXXX XXXX FL Zip Code XXXX Regarding Account Number ( Blank ) &  Account Number ( Blank ) I ( blank ) on this XXXX Day of XXXX XXXX do hereby request a complete copy of my payment history from XXXX XXXX XXXX to XXXX XXXX XXXX this request is to include dates of all payments that was made on these accounts dates of all payments that were past due on these accounts and dates payments was paid to these account s after due date. I ( Blank ) am also requesting all letters and correspondence advising me / making me aware of my past due payments I also request all payments showing my account were paid 30 or more days late I ( Blank ) also request all payment dates and how payment was made ( Ex XXXX XXXX XXXX XXXXXXXX. XXXX Please Mail this information ASAP
I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ACCT. CBNA # XXXX If account can't be VALIDATED it must be removed
I sent multiple letters to dispute the charges they had put onto my credit, and had asked for proof of everything that I received at the hospital and they did not provide me with any information. They kept telling me it was verified, and would not prove the accuracy of the information on my credit report.
Hello, Today I discovered ( Negative credit item : XXXX XXXX XXXX for the amount of {$960.00} ) had been re-inserted into my credit file on XX/XX/XXXX and I did not receive notification. The Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify me no later than five days after the date of reinsertion and certify that the information is correct. 

Also, two late payments with XXXX XXXX XXXX XXXX and two unauthorized inquiries ( XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX ) were incorrectly added to my Equifax credit file.