WillisBack/dataset-financial-user-claim huggingface dataset:
Applied XX/XX/XXXX.
Opened XX/XX/XXXX.
Got all paperwork XX/XX/XXXX. {$500.00} ACH from XXXX posted to WFC X/X/17 no bonus triggered. {$1.00} x XXXX XXXX reload ( X/X/17 ) posted X/XX/17 no bonus triggered. No bonus as of writing ( X/XX/17 ). {$960.00} ACH from XXXX posted to WF X/X/17 no bonus triggered. Secured Message from Wells Fargo X/XX/17 : WFC told me The {$250.00} credit will post after XX/XX/2017. No bonus as of complaint ( X/XX/17 )
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account doesn't belong to me..I asked for evidence to prove the account is mine but Equifax did not provide..This error has greatly lowered my credit score..CFPB amp up and delete the accounts XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX ( reported four times  on my credit report which is absolutely ridiculous ), XXXX XXXX XXXX ( reported three times!! ), XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ( multiple entries up to 6!! )
I have already paid off XXXX and it shows on my profile as a charge off which is hurting my credit scote ... could you please assist me in fixing this problem please
Had a mortgage modification approximat ely three years  ago with  Wells Fargo,   have been making my payments on time during this period but recently when I called them to discuss a new mortgage they told me the mortgage has never been re affirmed therfore it does n't appear on my fico score or with the credit bureau? And  Wells Fargo s aid they ca n't talk to me about a new mortgage until this mortgage is re confirmed? They suggested I call my bankruptcy attorney and have him, repair this oversight? I have done this but have n't received a reply from my attorney? As I am doing this complaint at the same time I wrote a request to my attorney, how do I get this mortgage w ith Wells Fargo re affirmed so  they will talk to me?
Filed for a loan modification in XX/XX/XXXX with OCWEN Loan Servicing. I was 2 payments behind and they already denied other remedies for the problem and told me I had to apply for a loan modification to fix this problem. I was ask for documents over and over and over again. I would send more documents and they would ask for more and more. I would try and talk to " Relationship Manager '' and she was NEVER available and was told it would be 3-4 weeks even with an appointment. Waited for calls and they would do nothing except for tell me that I needed more documents and say I did not send then. I have emails to prove the documents were sent. They ask for my ex husbands signature even though the loan had already been put in my name only years earlier, I was told there was nothing I could do except get his signature because his name was still on the loan. ( It was not ) They foreclosed on my home while waiting on the loan modification. My foreclosure was overturned in the middle of XX/XX/XXXX and I was told they were still working on the problems And I would be receiving a letter on what I needed to do. 
I received a default letter a couple of weeks ago and I called XXXX XXXX that has been working the problems on my case and I was told they were NOT forclosing on my home and that she was sending an email to XXXX XXXX XXXX my relationship manager and ask her to call me about what I needed to do to get this issue fixed. I told XXXX XXXX I wanted to keep my home and I still needed the loan modification! I told her I would start making payments but I did n't want to make payments on a house they were foreclosing on! I just needed information on what I need to do to get this fixed! 
Today XX/XX/XXXX I received another foreclosure letter, foreclosing on my house for a second time from attorney XXXX and XXXX, XXXX. ( See attachments ). Since I never heard anything from XXXX XXXX I sent emails with new paysubs, bank statements, lien release on my car. Everything I thought they might possibly need, even though I have not received another letter, or phone call! I received confirmation they received them. I did not get any follow up email, letters, phone call about my loan modification again! The only reply has been foreclosure papers!!!!! 
Please, please, please help!!!! I do n't know how to deal with this company that will not respond!!! They sent a letter to Oklahoma Attorney General in mid XXXX turning around their demand for a signuture of my ex-husband that I had told them since XXXX they did n't need and ask them to look into this because it was wrong. I was hung up on, told to send documents I had sent over and over again, then told they are old now and I have to start over, then when I would get upset I was hung up on, told I was wrong, I would beg them to just actually look at the documents that I had sent and they would see that I had sent them what they needed, and that it would be weeks to make another appointment! 
I NEED SERIOUS LEGAL HELP!!!
I am submitting a new complaint regarding my old complain # XXXX. It seem that we are still having issues. BofA has reported mt to the credit bureau again.. I finally have a XXXX balance but some how owe XXXX which is what they reported again. Please review my last complaint and help me get this resolved.
I never owed XXXX {$310000.00} as reported to the credit bureaus. 
Since it was removed I suppose it paid off {$240000.00} reported by Indymac. 
And {$70000.00} to XXXX I paid twice and XXXX with whom I never had an account. 
Since the other {$240000.00} reported by Indymac was removed plus another {$17000.00} paid to XXXX ( of which some of it went to midland ) would be the other {$260000.00} XXXX loan I paid twice. 
From this the {$240000.00} remaining amount of my 1998 30 year loan payments would be paid in full. 
Now that I have paid XXXX another {$100000.00} for the 17 years escrow I owed and I did n't know I was using to fund the prepaid line of credit, I have now repaid someone else for my own money. 
This implies that along with the {$15000.00} I already paid to midland -but only 17 years escrow disbursed on my house I also paid {$41000.00}. ( This was the payoff amount of my duplex XXXX XXXX foreclosed. ). Having already paid {$140000.00} for my duplex did they foreclose on the {$59000.00} XXXX XXXX XXXX did n't give me? - Meaning I had a {$5000.00} credit balance at foreclosure because of XXXX XXXX XXXX - for a credit offer I did not accept and for money they did n't give me. 

I lost my duplex XXXX XXXX 's attorneys valued at {$78000.00} ( and XXXX XXXX valued it at {$150000.00} ). But XXXX XXXX XXXX thought it was worth {$200000.00}! 
Taking off the {$53000.00} balance reported to the IRS and giving me back {$62000.00} value reported ( amount overpaid ). I paid {$150000.00} for my XXXX someone else owns - For {$59000.00} XXXX XXXX XXXX did n't give me I do n't know who I should send this to. the CFPB needs to compile all of my recent complaints and sort out who is to blame. 
XXXX need to fix it. 
XXXX XXXX XXXX needs to pay me back. 

So along with the {$210000.00} I already paid must be that other {$260000.00} first XXXX loan released twice. The other XXXX loan loan released was the 1998 30 year loan paid off in only 15 years. 
It all fits. There is no balance and XXXX owes me {$210000.00}. XXXX owes the escrow I 've used since the modification. I do n't know who owes me {$59000.00} extra I paid to XXXX XXXX.
I purchased a car from a Chrysler dodge auto company with average credit. I received financing from Chrysler Capital for my car loan. I was told that my first year would have high interest rates but that after a year I could call and refinance after making on time payments and rebuilding my credit. It 's been over a year and I went online to refinance and Chrysler does not offer refinancing. When I checked my payments, which are over XXXX a month ( something I was uncomfortable paying and only thought a year at that rate would be fine ), most of my payments is spent to pay just my interest and not my actual car loan. There is no way that the amount of interest I am paying for my car loan is 1. Legal and 2. Fair. I feel like both the company I purchased the car from and Chrylser Capital are not being upfront about their charges, and also misleading with offering refinance when Chrysler Capital and its lead company XXXX do not offer refinancing. I was told that after a year I could get my payments lowered. I have made all of my payments on time but have also purchased a home for myself and my children and can not keep paying just interest fees for the next 6 years until my car is paid off. Sometimes less than XXXX is going to the actual loan and I 'm paying over XXXX a month. How is this fair or right and what can I do to get my payments lowered since I held up my end of the deal by making all payments on time and wanting to refinance my loan.
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
For the past several years, ecmc have procured my income tax refunds which technically indicates partial payment, hence resetting the statute of limitations which should have expired in 2015.
Experian is reporting incorrectly a payment amount on my XXXX XXXX Credit Card. I have provided a snap shot of what is currently being reported. The report is reflecting a payment amount of {$25.00} which is incorrect and needs to be {$0.00} as the other two bureaus are accurately reporting.
We have been receiving phone calls on our land line from XXXX for more than 1 year on our land line. The number calling is XXXX XXXX. They called 3 times today starting around XXXX. We are elderly and my wife has XXXX Can we sue them in small claims court to receive damages for aggravation? We need this to stop. We have a credit rating well over XXXX and are up to date on all debt payments.
I received notice from my credit monitoring about my loans. Upon review the changes in the loan amounts I found several of the loans were increased approximately double from the original amount ; all but the most recent and these aren't accurate either. I have saved documents from Navient for each loan, a saved accounting document from the University confirming the loan dates and amounts, and I also have saved pictures showing the changes in my credit report from my credit monitoring service. 

This is completely unprofessional and deceptive.
I was denied a checking account when I recently moved here to Texas because of incorrect information on my XXXX record. I was not aware of this information and it is also extremely old aside from being blatantly wrong.
As part of my move from XXXX to XXXX in XX/XX/XXXX had paid of XXXX for XXXX services in full. However, XXXX ended updating their records incorrectly and handed off my 'closed account ' to a Debt collection agency called 'Debt Recovery Solutions - DRS '. 

DRS was contacting me for the payment, during this process my discussion and explanation of the closed and fully paid account was not accepted. I was time and again warned about the 'negative consumer credit reporting ' consequences of this collection and was pressurized to pay of {$280.00}. 

Despite not owing to pay anything to XXXX or DRS on a low moment I paid off the {$280.00} when DRS promised to delete the 'negative consumer credit reporting ' as an error on their side by XXXX of their collection agent by name XXXX XXXX on XX/XX/XXXX. 

However, DRS did not keep up its promise and continues to report this debt as a 'collection ' on my account. Fully paid though. 

This issue negatively impacts my credit rating at the XXXX, XXXX & XXXX and request your intervention with DRS to get this deleted as 'No Fault ' of mine.
On XX/XX/XXXX I submitted a dispute with Experian for a XXXX XXXX credit card account that was reported as 30 days late in XXXX due to fraudulent activity taking place with my card for this transaction. I never used the credit card in question and this was the only transaction ever on the card. The company had the wrong address so we never knew the account had a {$60.00} charge on it. After learning of this by checking my credit report in XXXX I disputed it with the credit card company and they stated that they would remove it from my credit. It was removed by two credit agencies ( XXXX XXXX and XXXX ). 

After pulling an annual credit report on XX/XX/XXXX I discovered that the XXXX XXXX account was still on my Experian credit report. I disputed this with Experian stating that it was removed from the other two credit reporting agencies a few years ago. 
Dispute # XXXX On XX/XX/XXXX I received an email update from Experian that the dispute was resolved and the results stated that the item will stay on my report. I received a second email from Experian shortly after that with an update to the results of the dispute. They updated the date of the reported information to XX/XX/XXXX and stated that this information would remain on my report for ten years ( XX/XX/XXXX ). Ten additional years even though XXXX XXXX removed the fraudulent {$60.00} charge and closed the account years ago. 

Due to the information above, I believe that Experian violated the Fair Credit Reporting Act.
After reviewing a medical debt appearing on my TransUnion Credit file for collection account with XXXX XXXX XXXX, account number XXXX and checking with my insurance provider about this debt, it has been determined that the said debt with XXXX XXXX XXXX is fraudulent. I have included a copy of my Identity Theft Report and all verification needed as required by the FTC and TransUnion to have this account blocked.
They capitalized interest 7 times betwe en  XX/XX/XXXX  and  XX/XX/XXXX  which resulted in an additional {$4000.00} plus being owed on my private loan. I  have qualified for a rate reduction several times since then. When out of the reduced rate program they have increased the interest rate enough to cover the reduced rate plus. My previous rate was 1 %. My current interest rate in 11.75 %. Prior to this my interest rate was 10.75 %. So its not really reduced if they are recouping it after. I initially borrowed {$6000.00}. I owe now  XXXX . They are making 100 % interest.
Complaint relates to my Bank of Ameri ca Visa Card.    Details below.     Statement for period   X/X/17  to  X/X/17  en ded up in my  Spam folde r so I missed the payment du e  X/X/17  of { $390.00}.     The statement for per iod  X/X/17  to  X/X/17     included a {$25.00} fee + {$33.00} interest which when added to my   XX/XX/XXXX  acti vity totaled {$4400.00}. This was fully paid in   X/X/17 .      When I received the statement for pe riod  X/X/17  to  X/X/17 , my  total activity was {$16000.00} which is due   X/X/17     which I have scheduled to pay fully. However, this statement also included an interest charge of {$150.00} which they calculated on an amount of {$10000.00} at 17.74 % rate. Since I fully paid  my  XX/XX/XXXX  balan ce on     XXXX   XXXX  , 2017, I d o n't understand why I am being charged interest for current activity which is   no t due till  X/X/17 .      When I spoke to their customer service rep, she could not explain why I am being charged but also did not correct it.     As a practise, I pay my monthly balance always on time and fully.
The doctor 's office is attempting to collect for a missed appointment that was cancelled I spoke to both XXXX and XXXX about it and could not make the appt and it should have been cancelled or rescheduled and was not. XXXX XXXX XXXX is the doctor and I spoke to his staff before and after the appt on numerous occasions, before and after the appointment.
I received a letter dated XX/XX/XXXX from XXXX. to collect a debt from Toyota Motor Credit on a XXXX. The XXXX account number ended in XXXX for client account number ending in XXXX. The payoff amount was {$10000.00} for a car that my ex-husband had retained in the divorce and had eventually been repossessed. This was a debt that I did owe because I was on the car loan as well. 

I contacted XXXX and settled this debt on XX/XX/XXXX with XXXX at XXXX for {$6300.00}. I have the confirmation letter dated XX/XX/XXXX from XXXX. stating these terms and the letter dated XX/XX/XXXX from XXXX stating the debt had been released. It reads " As per your request, we wish to advise you that your account with the above referenced client has been satisfied. On behalf of TOYOTA MOTOR CREDIT and XXXX., thank you for satisfying your account as agreed. This is a communication from a debt collector attempting to collect a debt. Any information obtained will be used for that purpose. '' Everything was good until I received a letter from XXXX . postage stamped XX/XX/XXXX and dated XX/XX/XXXX trying to collect on the remaining debt that had already been settled through SRA Associates , Inc . This letter is for XXXX # ending in XXXX on the same XXXX with an account balance of {$4000.00}. Now, if you are following along you would know that the beginning debt balance of {$10.00}, XXXX minus the settlement amount of {$6300.00} ( that Toyota settled with me through XXXX . and released me from the remainder of the debt ) equals {$4000.00}. Toyota has pushed my account out to ANOTHER agency to settle the remainder of a debt that they have ALREADY released me from. This is a violation of FDCPA. They are not allowed to collect on a debt that has already been settled.
I contacted Transunion directly after sending a mailed request and was told that the information that I have from a Tennessee Circuit Court dismissing this was Not sufficient to remove this from my credit bureau.
I tried to redeem my American Express Membership Rewards points today,XX/XX/2019, but the system didnt allow me to do so. I called the customer service to inquire about this issue and after 30 minutes of being put on hold and transferred to different departments, I was finally told that my account is currently under review and that I cant redeem my points until this process ( Which doesn't have a timeline ) is completed. 

When I questioned the representative about what triggered this review, she said : it is because of the XXXX Membership Rewards points Referral bonus you received on XX/XX/2019. 

It is very deceitful that American Express encourages us to refer our friends and family, they advertise this on their website and send us promotional emails to invite people to apply to American Express Cards in return of a Referral Bonus and when we do, they freeze our membership rewards accounts. From what I read online about other customers experiences, this seems to be a very common complaint about American Express.
On XXXX XXXX XXXX I received a phone call from XXXX XXXX, demanding a payment of {$1000.00}. After my surprise I started asking questions, and I realized that this was a collection office, because they only identified themselves as XXXX XXXX. They said that they partner with Toyota. I have already file a complaint against XXXX. When I called Toyota right after I got off the phone with XXXX, I wanted to find out why I was never informed I have a balance.From customer service I got transferred to a different department. I was told that Toyota has no longer have access to the information I needed to hear. All questions should be addressed to XXXX. I explained that XXXX told me to contact them. After the initial call I contacted Toyota two times the same day and nobody could gave me an explanation. I asked to speak to a supervisor, somebody that could listen to me. I was told that the supervisor was going to say the same to contact XXXX. In other words I was denied to speak with a supervisor The last correspondent I received from Toyota was on XXXX XXXX XXXX. Will attached letter. On my third call to XXXX the same day I was told that it was a deductible from my car. insurance. On my first accident in XXXX, I have same model, same insurance coverage, with Toyota. The car was reported as a total loss, I did n't pay deductible because it was a total loss. In this case the car was a total loss too, I had the same insurance coverage but I have to pay deductible this time. Why?
My complaint is about Equifax. 
1 ) Equifax is making a lot of money with my information, their executives make millions but they could not even do what they are supposed to do, which is to keep my information safe. I am complaining that the company did not use appropriate security. My guess is that they did not want to spend the money to get good protection. 
2 ) Now that my and millions of other 's data has been compromised they did not contact affected people right away but waited for weeks. When I tried to place a fraud alert the website was down. When trying to log in to XXXX, which I subscribe to, I get an empty page. When calling them I am on the phone so long that the battery runs empty and I have to switch to another phone. 
That is not acceptable. If the company can not do the job it is supposed to do it should be shut down.
I would like to know why my genesis loan I got back when I attended XXXX in XXXX, PA in 2012 was not part of the XXXX dollar discharge that the CFPB won in federal court. I got a letter in the mail about this event and it said I should hear something about my loan in the next couple of months. In the meantime my private genesis loan was being sold to another loan company to avoid the discharge of my loan. So I went from Genesis Lending Services to XXXX XXXX XXXX which is under University XXXX XXXX XXXX. I would like to know why my loans with Genesis were n't apart of the lawsuit and if they were part of the lawsuit then why were my loans sold to another lender shortly after the news of this lawsuit became public? I would like some clear answers about this matter.
CAR ACCIDENT DUE TOO XXXX OF LEASED XXXX CAUSED A MAJOR ACCIDENT ON XXXX XXXX, XXXX. 
XXXX ON ROUTE FROM XXXX XXXX N.J. TOO XXXX, NEW JERSEY. 
DEALER NEVER FIXED THE DASH FAN, AS WELL AS DEFROSTER, THIS HAPPEN 8 TIMES SINCE XXXX XXXX, XXXX DOCTORS IN THE EMERCANCY ROOM OF XXXX XXXX, XXXX XXXX, NEW JERSEY. 
DEALER WAS GOING TOO FIX THE FIRST WEEK OF XXXX XXXX. 
MY MEDICAL BILLS WERE XXXX DOLLARS AN THE CAR WAS A TOTAL AFTER XXXX IN XXXX, NJ. 
WE CAN NOT SUE THEM BECAUSE I 'M ON PUBLIC ASSISTANCE, NO JOB, HAVE A XXXX. THEY WERE PAID FOR CAR BY XXXX INSURENCE COMPANY. 
XXXX, XXXX XXXX, XXXX, NEW YORK XXXX. 
{$22000.00} ON CAR, AN SOME MEDICAL BILLS BY XXXX, BUT I 'M IN DEBT FOR BALANCE, PLUS LOST XXXX, XXXX, AN HAVE LOST ALL MY ASSETS DUE TOO ACCIDENT. 
THEY NEVER PROGRAMMED THE COMPUTOR ON THE LEASED CAR, WHICH WAS A PROTECTION FEATURE, TOO STOP CAR. 
THE DAMAGE WAS MOSTLY FROM THE DRIVERS AIRBAG EXPLODED ON IMPACT WITH XXXX. 
THANK-YOU XXXX XXXX XXXX XXXX CLAIM NUMBER XXXX XXXX ALSO CLAIMS NUMBER XXXX XXXX MEDICAL XXXX XXXX XXXX INFORMATION AN BILLS, DOCUMENTAION. PAYMENTS CAN BE FOUND HERE OR BY CALLING XXXX GOVERMENT EMPLOYEES INSURENCE COMPANY. 
THEY HAVE EVERYTHING YOU NEED FOR XXXX TOO LOOK AT, THE DEALER NEVER FIXED THE CAR THEY ARE AT FAULT FOR THE PROBLEMS, RT XXXX, XXXX XXXX, XXXX. THEY DENIED ANY MECH. ISSUES AFTER THE FACT BUT CAR WAS A TOTAL XXXX THREE DAYS AFTER XXXX TOO YARD. 
PAID BEFORE WE GOOD FILE SUITE AN INVESTIGATE ANY MECH PROBLEMS. 
MY POLICY NUMBER XXXX WITH XXXX LOSS REPORTED XXXX/XXXX/XXXX
I received a modification from XXXX who sold the loan to Select Portfolio Servicing Inc. on XX/XX/XXXX with last effective on XX/XX/XXXX rate 3.62 % payment amount {$1300.00} of however the services has which term payment amount to {$1400.00} effective XX/XX/XXXX wi4h a letter threating foreclosure on a debt that has been and discharge by bankruptcy and will not permanently modify the loan and continue to have the loan in an negative amortization attached as condition and after discharge it has not been modified prior to select portfolio services the loan and will not provide proof of modification contract, term and condition has changed with out.