WillisBack/dataset-financial-user-claim huggingface dataset:
I did not receive a statement via email from Macy 's credit card. As a result I missed a payment of XXXX {$35.00} ( the total balance on the account ). I was charged for XXXX late payments in subsequent billing cycles still without any notice that I had missed a payment or a monthly statement. I finally received a call after the XXXX missed cycle. The missed payment was also reported to the credit bureaus. 

I requested that they update the late payment report to the credit bureaus as I did not receive a statement or a late notice until after the second cycle. They refused to update the credit report. I also requested proof that they had sent me a statement or a notice of late payment via email. They stated they could not provide that proof. 

I never received notice of my statement or a late payment from Macy 's. 

Prior to this, I had a credit balance with them and have never missed a payment.
EQUIFAX is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EQUIFAX in accordance with g.a.a.p, I.f.r.s. in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the folowing vendors/creditors : XXXX XXXX XXXX-account : XXXX, XXXX XXXX account : XXXX, XXXX XXXX, and XXXX XXXX XXXX and they have failed to do so.
I need to file a complaint against XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. The reporting on what was once a combined commercial/residential wrap around mortgage is now just attached to my personal residence after I sold off the commercial property attached to the collateralized loan. Shortly after I sold the commercial portion, I was hit with an acceleration of my mortgage after XXXX XXXX acquired the mortgage from a bank merger. This was extremely unfair at the time due to the personal hardship I was going through with the passing of my wife, who was also an attorney and a partner in my law firm. Then XXXX XXXX started what was proven to be an illegal foreclosure action. Since the commercial aspects of the mortgage was eliminated with the sale of the larger portioned commercial percentage, my rights under the Fair Debt Collection Practices was protected under the XX/XX/2018 addendum of that federal law, My rights were violated by XXXX XXXX as I should have been given the initial right to modify the terms of the loan and take out the balloon payment, normally associated with large scale commercial transactions. After the foreclosure was filed I filed a counterclaim. XXXX XXXX XXXX was trying to ingratiate themselves foreclosing on a {$400000.00} home with only a {$140000.00} balance. I discovered that my rights were being violated under federal guidelines with both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Eventually, XXXX XXXX XXXX realized their mistake and gave me a restructured mortgage with all past payments, interest, penalties and legal fees waived, and gave to me a six-year mortgage completely interest free as long as I dropped my lawsuit against them with the Supreme Court state of New York. In essence, the current reporting is a complete falsehood, as it was XXXX XXXX XXXX that brought about the illegal foreclosure action. I should have a new payment history starting from the month of the restructured mortgage. This abusive reporting on all credit bureaus is a direct violation XXXX XXXX XXXX has with their subscriber agreement with all three national credit bureaus. The negative reporting must be deleted and only the payment history that started with the interest free mortgage should be posted. Accordingly, XXXX XXXX XXXX has only one option, to rectify this immediately and live up to their subscriber agreement with all three credit bureaus.
Last year ( XXXX ) I received a call from Synchrony Bank 's XXXX Department saying that I owed money on my XXXX store card and that they were calling to ask me to pay it before they would have to send it to collections. I did n't have the full amount at the time and set up a payment plan with Synchrony. The debt was completely paid off XXXX XXXX of last year after 6 payments had been made. 

A few weeks ago, I answered a call from a number I did n't recognize and it was XXXX XXXX XXXX saying that they were trying to collect my XXXX store card debt. Obviously, that debt does n't exist, so I should n't have received this call. 
I called Synchrony and tried to explain that my debt had already been paid. I kept getting transferred to outsourced call centers that did n't understand what I was saying, and they just kept telling me I owed a debt and asked if I wanted to make a payment. 

Finally, someone at Synchrony told me how to file a dispute with Syncrhony. I sent in my dispute letter along with my attached check stubs proving that the debt had been paid. 

Since I sent the dispute I have n't heard anything, and have continued to get upwards of 5 debt collection calls a day. I have tried calling Synchrony, but they keep telling me that there 's no way for me to contact the dispute team and that they do n't have a phone number, which I find extremely suspicious if not outright illegal. I have asked for updates on my dispute with no answers, and again the representatives keep telling me that I owe a debt. 

This has ruined my credit score, and in my original dispute to them I said it needed to be reversed within a week considering I had paid the debt and there was n't anything to really dispute or investigate. I have broken down crying several times because I will be on hold for 40 minutes with XXXX and then still just transferred to their debt outsourced call center and not told anything. I need proof from Synchrony that they are going to reverse the damages they 've made to my credit score. I should n't even have to be doing this, and selling a paid debt to a collection agency is illegal ( I 'm pretty sure ) and it 's illegal for that debt collection agency to be harassing me when I have paid the debt! 

Please please please resolve this as soon as possible. I do n't want people to go what I 'm going through. I am now paying a much higher than normal security deposit on a new apartment because of this mess, and it is actively hurting me emotionally and financially.
I have called finance manager at XXXX Nissan for the last three days to cancel my Gap insurance. I left multiple voicemails directly. I also left messages with receptionist but no call has been made to me yet about cancellation. On tuesday, I left a voicemail for general manager ( XXXX ) and he also has not responded to my complaint. 

Bottom line is that I want to cancel by GAP insurance. I do not understand why it is becoming so difficult and I have to follow up multiple times.
Santander Finance out of XXXX, Va. lased a vehicle under my wife 's maiden name to a XXXX XXXX in XXXX, sold the vehicle and now is trying to sue my wife for the amount loaned out for the vehicle.After investigating, findings concluded that the vehicle was illegally obtained by XXXX XXXX. Santander Finance company sold a XXXX XXXX XXXX to a person that had/has no drivers license nor job at the time of the sale of the vehicle.When confronted about the vehicle and it 's whereabouts, the legal firm of XXXX XXXX XXXX located in XXXX, Va.representing this finance company stated : the vehicle has been sold and the funds were directed to Santander finance company.We are now in lue of trying to mitigate this debt through the courts.
I have tried to contact this company several times. I have spoken to several people and left voicemails with no return call or resolution. They are saying it for a debt I have for an old hospital bill with XXXX hospital. However, I have called XXXX directly and have been told I have or had no outstanding money due, and they do not know what the collection company is trying to collect. How do I have this removed from my credit report?
I submitted my application for re-paye. I was notified that I had missed the due date for this income based repayment program and then I was told I had a large balance due because I had missed this reapplication date. This took me by surprise because, based on my promissory note, and prior applications for repay, I was several months ahead of schedule when I submitted the application. When I brought this up with the company, they apologized and said that my loan had to be been reorganized under their company and thus my repayment had changed. They failed to notify me of this and thus never provide any documentation saying that I had a change to due date, that I was past due for this application, or that I should reapply for repair on a different schedule. They admitted fault in this, advised that I go on administrative forbearance, and continue to make my new payments. I did all of these things. However I noticed that my loan was still past due after 2 months under the new repay agreement and after I had supposedly gone into administrative forbearance. I called them back, and that 's when they informed me that my administrative forbearance had been denied. This is a surprise to me because I was told I was not applying for administrative forbearance, rather that it was granted given a special circumstance that had occurred. At this point, my loan is coming dangerously close to 90 days past due. I was then advised to reapply for administrative forbearance, disenroll from auto pay, then reenrollauto-pay, this trick as a called it within reset my past due amount enroll the amount owed back into the original principal of the loan. Further, they continually advised me to go into forbearance. Advising that forbearance would forgive this 5 to {$6000.00} debt that I supposedly had accrued. Unfortunately, I am a military member attempting to receive a military loan repayment. This program, unfortunately, will not make payments on loans that go into forbearance. Thus, FedLoan 's solution of forcing me into forbearance is a non-viable option for me. I was further advice to call them back today, XX/XX/XXXX. Since my last discussion with them, I have not received a response to my request to stop automatic payment, I have not been notified of the administrative forbearance approval, and when I called back today the loan company was closed for the holiday ( despite them telling me to call on this date ). My account will become 90 days past due despite my following all their instructions and my attempts and to correct their mistakes. Despite these efforts, it looks like that I will go into delinquency on the loan. This is particularly upsetting for me considering that I have made all of my payments on time since graduating from XXXX school. I would appreciate any help your organization could provide me in mediating this conflict with my Loan Servicing Company. Of note, I also have loans with other loan companies and have never had these sorts of problems. Thank you.
XX/XX/2015 Suntrust Bank in XXXX notified me that they had placed a new insurance policy on my home for something like {$16000.00} a year! I was shocked and scared. They said my insurance policy had expired. I knew this was not true and had to get with my insurance agent to work this out with them. My insurance agent documented to them my policy had been transferred but NOT cancelled. At no time did I not have insurance. Suntrust agreed and took the forced lender policy off my house. HOWEVER, last week I get a escow notice from them that my escrow is now increasing my monthly payment by {$1000.00} a month. I called them and was on hold for 30 minutes before talking to anyone. Once I did talk with Suntrust they said they had started an escrow on my account because of the forced lender insurance policy in the fall. After discussing this issue with them for 2 hours it is still not resolved. I have a no escrow loan with Suntrust in my documents. Suntrust has now put me in an escrow status because of a mistake they made XX/XX/2015. Also, I have NEVER been late on my Suntrust mortgage payment and have a credit score of XXXX. What Suntrust is doing is a systematic issue at their company and putting their customers in a bad situation. Can the CFPB help me with this?
After changing my direct deposit I tried to do a mobile deposit, I was unable to I called the customer service and was advice that it was because of the type of account that I had and that I could change the account to activate the mobile deposit so I did. The closest branch from me is 10 miles Away I would not be able to get to the branch to deposit my payroll checks causing the account to go overdraft. 
Finally I was able to deposit the check and now they are putting a 14 day hold on the check. 
I deposited the check on Friday XXXX called on Saturday XXXX and was told that they would clear the check on Monday because I deposit the check after XXXX, Monday morning the check was still not cleared so I called and was told that the check would clear on Tuesday because Saturday and Sunday was not a business day. I waited on Tuesday the check was still not cleared so I called again and was told that it had a hold and would not clear until the XXXX I explained that I had no money available to me and that this was XXXX payroll and would not get paid again until the XXXX the banker told me to call on Wednesday and she would release the hold. Today I called spoke to the branch manager XXXX who now told me that he could not take to hold off I have no money XXXX is coming and I dont even have money to buy food to eat for the next 2 weeks until I get paid again let alone get gift for the kids I dont know how this can be legal
My payment was applied by the bank 5 days later than it was received. My mortgage is with the same bank as my checking account. The payments shows as cleared through my account on XXXX/XXXX/2016, however, they did not apply it until 5 days later on XXXX/XXXX/2016. I contacted them through their confidential web service emails, they intend to do nothing about it. This caused 5 extra days of interest to accrue.
I recently filed a complaint. My complaint # is  XXXX . The response from the company is false. The information in the response is false. I will attach copies of paperwork I have sent to them. The dates are wrong, the money order info is wrong. Please contact me by phone or by mail or email and I can give you the correct  USPS Money order info as this company has told me in many conversations that they never   received the money order, could not find my bank account, yet my account has been debited money and fixed. I do n't know who 's money order number is that they furnished to you but it is not mine. I want this fixed and fixed right. Someone from that company cashed the money order but did not fix my account.
Lexington law charged me twice at XXXX and still has provided no results in 2016 had service. I beieve in XX/XX/XXXX XX/XX/XXXX.
My problem is with Home Finance XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX this company requested my credit report without my permission on XX/XX/2018 that's not the worse they came to my house with saying they would have police come to my home I wasn't 10 day pass due. Then they called my sister-in-law about my payment I didn't use her as a reference.
On XXXX XXXX, XXXX my Chase Freedom credit limit was {$4500.00}. Early in the morning on this day several purchases were made on my card which totaled over {$15000.00}. None of the charges over the {$4500.00} credit limit were declined and I was not alerted to these overages in any way. On XXXX XXXX, XXXX I spoke with a chase card customer service representative ( the gap in time here was due to a fraud investigation which I had thought would clear these charges ). When I asked the representative how my card was able to exceed the credit limit more than 3 times over, their answer was " I do n't know. '' After pressing further, I was told that one possible reason for this was that because these were multiple transactions made in quick succession the Chase system was not able to update fast enough and recognize that the card was over it 's credit limit. There were 7 charges made on the card over a period of two hours, each between fifteen and thirty minutes apart. If Chase 's system really takes more than two hours to update, this could leave many more consumers extremely vulnerable to large credit overages. The Chase representative also stated that some of their cards are able to go over their stated credit limit- some by a few dollars, some by a few thousand dollars- without clearly telling consumers about their cards potential to go over. I was also told that " some customers '' are allowed overages but was not told how or why these customers were chosen - I was told that no one knows and that it is all completely up to " the system ''. The highest number that I was told by the representative that a particular card and chosen customer could overspend was {$7000.00}. While this is still in my opinion an extreme amount to be allowed over a credit limit, it is still far less than the additional {$10000.00} that my card was allowed to be charged. This appears to be a very big problem with Chase 's system that could only benefit Chase in the end ( causing consumers to fall behind on payments or rack up interest ). I would like to believe that this is a glitch or problem with the system that can quickly be fixed but was not left with this impression after my phone call with Chase. After going back and forth with the Chase representative about possible solutions she was able to speak with a manager and eventually put a permanent limit on my credit card that will not allow overages of any kind ( at least this is what I was told ). While this sounds like it should be a good solution, with the system as it is I am not confident that this hold on spending will work if a similar situation were to occur ( several charges over a few hours time ).
They call every day, multiple times per day ( I have my call log save on my phone, so I have proof ). I have now had to block them from calling or messaging, as they call every day while I 'm at work, despite being told and asked multiple times to stop. Now, they just call and do n't say anything, but the calls keep coming.
They've contacted me 10x per day starting XXXX Asked them to stop calling on XXXX still call multiple times per day Also have taken money out of my account 4 times which I never aurhorized.
after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX   remove I have disputed by mail with all three credit bureaus. act # XXXX owing an alleged {$2200.00} Td bank orig creditor target
Experian sent me my credit report on a wrongful dispute that I mention to them they have on my credit report. XXXX XXXX should n't be on my credit report at all that account is over 7 years old. The account was paid off in a settlement and written off by the original creditor. They have no records of the account in their office anymore so Experian could n't have gotten any information. Next Experian failed to provide the proper information on the original creditor they had no phone number for them so how did they verify anything on this account. If Experian truthfully verified this account they should have gotten all the proper contact information and placed it n my credit report. This account was wrongfully disputed and it should have been sent in to Experian as ( outdated ) information pass 7yrs old. Look at the dates on the account.
I had a strange bankruptcy. My attorney filed a Chapter XXXX that was converted to a Chapter XXXX. Before the Chapter XXXX could be finalized I had a change in income and voluntarily went back to a Chapter XXXX. The Chapter XXXX was voluntarily dismissed. I received no benefit from the Chapter XXXX. Because it is public record it is being shown on my credit report. Lowering my credit score. I completed the Chapter XXXX and all chapters are closed. The XXXX has dropped off my credit report but they refuse to remove the Chapter XXXX for ten years. This is unfair. I did n't benefit in any way from filing the Chapter XXXX and that is n't fair credit reporting. I have the paperwork from the courts saying neither party shall be harmed. I did exactly what the court ordered me to do. I submitted the paperwork showing this and how all the dates coincide. There was only one true bankruptcy. It was completed and discharged. XXXX dropped it off my credit. Equifax said no. XXXX is pending.
I have disputed the late payments on XXXX XXXX XXXX for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
In XXXX of 2015 I asked my loan officer if it was in fact true that I could have PMI removed right after closing. He assured me via email that it would n't be a problem at all. He even went as far to say that he had just left some kind of a conference for continuing training and they talked about it there, so he was certain. This was all written through email, by the way, so I have the whole conversation documented. We closed a few weeks after that conversation. 
Fast forward a little over two months later and I decide to make the call to have it removed. I went through XXXX XXXX XXXX for the loan but the mortgage was then sold to Wells Fargo. So I reach out to Wells Fargo and they tell me that I must have 80 % LTV in order to have PMI removed. I told them I was already aware and that based on my appraisal, I already have that. They then advised me that they would have to use the lesser of the appraisal or the purchase price. Well, I got a heck of a deal so the lesser would definitely be the purchase price. I only put 5 % down so I was nowhere near the needed 80 % LTV that they want. The numbers are as follow : Appraised value : {$220000.00} Purchase price : {$170000.00} Mortgage amount : {$160000.00} Similar houses in my neighborhood are going for well over {$220000.00} so the bank clearly has no risk here in regards to the LTV. I initially reached out to Wells Fargo the first week of XXXX. The said my case 'due date ' would be XXXX XXXX. When that day came they said it would be delayed and the case will be pushed back to XXXX XXXX. When that day came they said it would be delayed and the case will be pushed back to XXXX XXXX. When that day came they said it would be delayed and the case will be pushed back to XXXX XXXX. Now here it is the XXXX and sure enough, there 's no resolution. Each time they pushed the case back I would ask specifically what are they doing or trying to decide? They would always respond with a vague answer and just say " this is normal ''. 
The PMI portion makes up {$80.00} of my payment. This may not seem like much to some people, but my budget is extremely tight already. I ca n't afford to be manipulated and lied to and lose {$80.00} per month.
I obtained a {$4000.00} loan through Navient and was forced to pay a high interest rate of 10 % for a 15 year term. I attended college at XXXX - XXXX.
I closed this account in XX/XX/XXXX/XX/XX/2014 and established service with another carrier. XXXX XXXX XXXX continued to charge/bill me for services, I had closed/canceled. I 've called and wrote letters to resolve this issue with no avail. I mailed a check showing where account was paid in full. XXXX XXXX XXXX never responded to my letters disputing these charge.
Landmark Financial has been told repeatedly not to call before XXXX. 
I get 3 to 4 calls daily with voice messages now that I have blocked their number.