WillisBack/dataset-financial-user-claim huggingface dataset:
My husband passed away in XXXX of 2013. A couple months before he passed away, during XXXX, I had to file bankruptcy as we 'd lost his income for over a year. Prior to the bankruptcy, we had never missed any payments and our credit was outstanding. OCWEN Mortgage carried our home loan. After my husband passed away, I received proceeds from XXXX insurance policies. I tried for months and months and months to talk with someone at OCWEN to look at various options to reduce my payment so I could stay in the home. It was literally a merry-go-round. Then I received a letter introducing my new customer care person who was dedicated to personally assisting me in finding ways to work together. They would have me set an appointment when THEY called me. I was running a XXXX a month negative which I was pulling from life insurance proceeds. I offered OCWEN {$150000.00} ( my loan amount was {$320000.00} ) to restructure or refinance my loan to reduce the payment so I could afford to stay in the house. Because it was in bankruptcy status, they said they could not refinance or do anything to help or work with me. I sold my home and moved on with my life. I have never in my life talked to so many people within one company and received such a runaround. I later learned from an attorney, one of my XXXX, OCWEN was being sued in a class-action suit by a group of realtors. I was SO HAPPY and hoped those people got every penny from OCWEN. They were horrible to work with. He told me about the Consumer Financial Protection Bureau. Also after I just finished an article in Consumer Reports, I decided to try and get this out to the public so others hopefully will never have to go through what I went through. Be aware there are home mortgages loans offered under other names that actually are OCWEN. PLEASE be aware.
Our Mortgage was recently transferred from XXXX to Select Portfolio Servicing Inc. around XXXX. I always make my normal monthly payment and wait for it to process. After this, but before my next payment due date, I make an additional principal payment of {$5000.00}. I originally called Select Portfolio Servicing on XXXX, to notify them that I will be making this additional principal payment every month and to put a note on my account. Select Portfolio Servicing wants to charge me an extra fee if I call in and make a payment and if I make a payment on their website. The only other way I can make a payment without paying an additional fee, is through my bank account. ( I REFUSE TO SET UP AUTOMATIC WITHDRAWALS ). Each time I make an additional principal payment, I put in the Memo : " APPLY ALL TOWARDS PRINCIPAL. '' Everything went fine on XXXX, XXXX, & XXXX. Starting on XXXX and XXXX, they have not applied my extra payments towards principal CORRECTLY. They have put one payment from each of those into the future and my payment date is changing. I had to call in both times to have the payment fixed. I did this with XXXX all the time ( They actually waived the phone fee for me so I could call in each time and make the payment over the phone, but it still did not work every time ). They are telling me that I can not speak to anyone else or have a supervisor assigned to my account. They tell me that this is the way their computer system is set up. I told them I do not care or want to hear their excuses. I told them that I want someone to manually enter my extra payments. I told them that they are not following the terms of our mortgage. It states directly in our Mortgage Loan Documents/Agreement, that any payment made in addition to the normal payment ( as long as the entire amount is more than the monthly payment amount ), AND all other fees due are paid off, it WILL BE APPLIED TOWARDS PRINCIPAL. This is a game and I am tired of playing it. I have to waste my time every month to call them back and they trying to cause me to also pay more interest each time, WHICH IS NOT FAIR OR RIGHT! The Payment Area is on the second page, # 5.
Last year I was in the market for an apartment and I was researching mortgage rates. I found a good rate at PNC. The rate was better if I opened a PNC bank account. I did so but I did n't intend to use the account. Eventually the real estate transaction fell apart because the seller priced the apartment at {$20000.00} more than its appraisal value so PNC could not honor the loan amount. At that time I had stopped direct deposit on my rent from XXXX XXXX XXXX so I had to pay one month 's rent from PNC. This brought my PNC balance to {$1600.00}. I did not know that under {$2000.00} PNC would charge me {$15.00} per month. I received no online alert stating this. Three months later the bank called me to tell me they had removed {$45.00} from my account. I went on line and discovered that there were numerous automatic alerts in online banking including insufficient funds but this refers to insufficient funds for a check not for PNC 's limits. To get an alert for that the customer has to know that they need to set a balance alert. I am not an irresponsible person. I do n't have any credit card debt or other debts and had I known about the fee I was being charged I would have immediately put money into the account to fix the problem. Luckily {$45.00} was an amount I could afford and I was notified before this went on indefinitely. However, I know that for some of the indigent clients whom I represent losing this amount would be a hardship and could potential cause many problems for them and their families. There are benefits and drawbacks to having everything online but one benefit should be increased protections and safeguards for consumers not fewer of them. If banks are going to be able to charge fees to customers who still have money in their accounts and who have online banking they should have to send an automatic alert stating this fact when it happens. Why should they be able to choose to automatically alert me about insufficient funds but make alerting myself when they withdraw money from an account that still has money in it solely my responsibility? They did not instruct me that I needed to set up this balance alert at the time I opened my account. I trust that the CFPB will act so that banks can not hide this practice by claiming it is the consumer 's responsibility to know every aspect of online banking. Please ensure that customers know when their money is being taken by banks. If they choose not to fix the problem then that is the customer 's fault but if they are not made aware of the problem so that the bank can keep collecting fees that is a problem of corporate malfeasance. I thank you for your work protecting the American consumer and I hope you will address this concern.
For nearly 3 years Experian has been unable to provide my credit report. They told me they lost it. Its as if I dont exist to them. I need this resolved once and for all so that I can purchase a vehicle.
Trans Union Credit Reporting Bureau had a glitch in their credit reporting system that violated the rights of consumers under section 6.11. By Trans Union deleting and reinserting information, I have been gravely affected and my credit score has suffered significantly. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed immediately.
I went to a XXXX. I took out a private loans that the school owns. I transferred to another school my XXXX semester because the other XXXX school had XXXX loans. while I was in XXXX at the new school my XXXX loans were now in repayment I was thought that while i was in school my loans would not be on repayment. I had XXXX more years of XXXX. I am now in default for XXXX loans with XXXX. I just graduate XXXX XXXX,2015. I did not get into XXXX. I am currently looking for a job.My mother has been paying {$50.00} a month direct deposit. AES took out over {$3000.00} without my monther permission
On  XXXX / XXXX / 2017  I was charged a {$35.00} insufficient funds fee even though I had {$280.00} in my account and processed a transaction of {$280.00}. The fee caused my account to be overdrawn.
Hello, I had a collections account with XXXX XXXX XXXX, # XXXX, and did not receive any communication about actually having the collections account against me. I had to find out about this myself when I ran my credit report for a car purchase. I then immediately called XXXX XXXX XXXX to : 1 ) pay the account, and 2 )  find out why I never received any communication. They said they tried calling and mailing me, but I did not receive anything from them. The amount is so little that I have no reason NOT to pay this bill. 

The collections account was filed to the credit bureaus on XX/XX/2012, for the amount of {$77.00}.
used Bank of America to pay dentist bill, however, dentist overcharged per the contract with dental insurance and Bank of America would not help -- -they helped dentist commit fraud. Then, after many unsuccessful and aggravating phone calls with Bank of America, they actually had a collection agency call me BEFORE the payment was even due. There was NEVER anything past due on my account. I had already closed my credit card account and I still get solicitations to borrow money. Thank goodness I had no other dealings with Bank of America other than a credit card. I am disgusted both by the dentist that did this, never responded to my direct contact and even more disgusted with Bank of America 's handling -- or should I say mis-handling of the whole thing. Good riddance to them.
I filed dispute XXXX with the CFPB against XXXX on XX/XX/XXXX regarding the inaccurate reporting of a late payment on a credit card account. The negative information caused my credit score to drop by over 70 points. 

I received a response from XXXX on XX/XX/XXXX explaining that they would investigate the matter but they have no record of my initial dispute. On the same day that XXXX   responded to the complaint they also notified XXXX XXXX of the significant drop in my credit score even though the information was in dispute and the investigation had not been completed. 

XXXX XXXX decreased my credit lines based off of XXXX  reporting dated XX/XX/XXXX. XXXX XXXX proceeded to decrease my lines of credit through XXXX, XXXX XXXX, and XXXX XXXX further effecting my score. 

I had not requested an additional credit card or an increase so I did n't understand why a report was being pulled on XX/XX/XXXX or why I was up for review. XXXX XXXX customer service representative explained that no request had been made and I was not up for review but that XXXX just reported the significant drop in score and other negative information. 

The error regarding the late payment was quickly corrected on XX/XX/XXXX. My credit score was updated with XXXX and XXXX and increased however not to its original score. I explained to XXXX XXXX on XX/XX/XXXX that the error was corrected and my score should 've increased. They told me I had to request a credit line increase and pull my credit. However my score was still down over 70 points. The representative at XXXX XXXX   explained that XXXX would have to notify XXXX XXXX with the change or update to my report before a new report and score would be considered to increase my credit line. Even though the error was corrected and my score has increased, this error and the reporting by XXXX  after I filed a complaint has continued to be detrimental to my overall credit and finances with back to back credit line decreases. XXXX has not notified or updated my information and XXXX XXXX continues to decrease my credit lines based off of the XX/XX/XXXX credit reporting of XXXX. I do n't make late payments to XXXX XXXX or anyone else nor am I in jeopardy of not being able to pay my bills. I did not make a late payment however I 'm being treated as if I have and my credit continues to be effected. Why exactly was the drop in score reported while in dispute but once it 's corrected it does not trigger reporting or an update to creditors. It is unfair to make decisions on my ability to pay on incorrect and outdated information and then continue to further damage my credit with credit line decreases. 

I would like my credit lines increased. I would like my information updated. I would like to stop being treated as if I do n't pay XXXX XXXX, XXXX, and XXXX XXXX every single month. I would like my credit score to stop being effected over an error that has been corrected and was not my fault.
I sold my car to XXXX XXXX on XXXX XXXX. On XXXX XXXX, 2015 I visited the dealership again because Toyota Financial confirmed the car loan was still active. After arriving at the XXXX Dealership I spoke with XXXX XXXX, who assured me the dealership already had the title and Toyota Financial just takes a while processing the paperwork.On XXXX XXXX, 2015 I spoke with Toyota Financial again stating the account is still open, car title has n't been released and There 's an error on my account " Corporate customer advises not authorized "
XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Re : Social Security Number XXXX To Whom It May Concern : I have recently been informed that there is a Bankruptcy Chapter XXXX in the file Experian maintains under my Social Security Number. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove it from the consumers file. 

The United States Bankruptcy courts DOES NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. 

However, credit bureaus actively search public records for any judgments and tax liens through third party research. 

A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DOES NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on Bankruptcys through third-party research. 

Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 

Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to : 1. Defamation 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in court venue local to me in order to formally defend yourself. 

My contact information is below : XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX NC XXXX XXXX
They keep putting a debt on my credit report for a college i never attended because i never even graduated high school yet somehow i owe them {$1200.00}? To add insult to injury i was told the original debt is over 7 years old. I have disputed it several times with the credit bureaus but have gotten nowhere.
Hello, I am an XXXX XXXX member and due to the hacking incident several months ago, I added a fraud alert. Now, I am moving and need to open a utility account with XXXX & XXXX for electricity. However, the utility company will not allow me to open an account with out a large deposit because they tell me that Experian does not allow it. I have researched this issue online for hours. I called Experian 's XXXX XXXX numbers and went thru every option on the menu and can not get a live person to help me figure this out. I called their sales department hoping that they can refer me to a phone number or a person to help me and they told me if I do n't have an account ( and pay Experian ) I wo n't be able to talk to anyone. I have exhausted all options and 3 weeks. Please advise. Thank you so much for your help. You are the only reason that these large companies respond to people like me. 

XXXX XXXX
Recently I was wrongfully denied credit for a mortgage. To my surprise, the mortgage company said that I had a poor credit rating. When I investigated this issue, I discovered that Citi Cards is not reporting my CitiBusiness credit card account to the credit reporting agencies. The account 's high credit limit does not contribute to my credit utilization score as it should. I have a few other cards whose combined credit limits are much less than this account. On these cards I had taken advantage of 0 % interest offers, so over XXXX % of their combined available credit are in use. 

Citi Cards ' failure to report this card to the credit bureaus has seriously damaged my credit profile. This interaction with my mortgage company was highly embarrassing and negatively impacted my lifestyle. Citi Cards ' failure to accurately report my credit information to the credit bureaus has damaged my reputation and my good credit standing. 

I have pursued this issue with XXXX, XXXX, and XXXX. They say there is nothing they can do to get a company to report to them regarding an account if the the company does n't want to. 

I have discussed this issue many times with Citi Cards, and they refuse to report this account to the credit bureaus. I have been told that the reason this card is n't automatically reported to the bureaus is that they consider it to be a business card. However, the legal entity which holds this account is not a business, but is my wife and I, personally. The card is in the name of my wife and me, and the tax ID associated with the account in Citi Cards ' own records is my own personal Social Security number, not the federal tax ID of any business. Because I hold this account personally, and not through any business entity, I believe that Citi Cards is obligated under law to report this account to the credit bureaus that report my personal credit profile.
I signed up for the XXXX XXXX XXXX card ( with XXXX XXXX ) from Chase Bank. I signed up under an offer where I would receive 50,000 bonus miles after spending {$3000.00} in the first 3 months after opening my account. However, when I went to purchase a plane ticket with XXXX, less than an hour after I applied for this credit card, I discovered another offer where I would receive those bonus miles, and also a {$100.00} statement credit after my first purchase. I contacted Chase to see if I can receive that promotion, both through phone and XXXX Messenger, and was told that I could not change my application to receive that offer. It did not seem that I would be able to change or cancel my application without affecting my credit score. It appears that Chase is using this mere technicality as an excuse, and do not care about me as a customer. I have attached a screenshot of the offer I have mentioned here, and would like Chase to honor.
I do n't know how many times I am submitting complaints to this bureau about Wells Fargo regarding a property that I bought in XXXX. It has been the same thing : the round around from Wells Fargo with no resolution. I deal with a lot of companies, which care of their name and reputation. They always end up listen to me and work to resolve any problem that comes up, but with Wells Fargo my complaints fall on deaf ears. XXXX representative told me that he is well aware of my issues but stopped cold turkey to help me. Basically Wells Fargo is not accountable for their actions and it seems nobody can stop them. 
For the past couple of days attorney XXXX XXXX and a lady by the name of XXXX from XXXX XXXX called me to tell me that my property in XXXX is going to be auctioned in XXXX XXXX, XXXX in courtroom XXXX at Supreme Court in XXXX. The latter told me that Wells Fargo made my records public to auction my property because it is on foreclosure, which means I failed to pay them. They kept on asking me about XXXX XXXX, which I never met. XXXX of them gave me Wells Fargo attorney to call, which I did but nobody picked up the phone. I can not believe a bank can do that. If I have ever owe them they have to address the issue to me not take me to court like that. I definitely Wells Fargo is up to something and NOBODY is NOT HELPING.
My complain is with citi bank, my account went overdraft on XX/XX/2017 for the amount of {$120.00}. XXXX transactions was present that day. XXXX for {$220.00} and the XXXX for {$370.00}. I rush and did a deposit for {$900.00} which bring my account to a positive balance of {$770.00}. ( I have the record ) by XX/XX/2017 my account still with the same balance {$770.00}, no changed on the account, until the next day the XXXX, I checked my account and I was charged for an overdraft fee of {$34.00} and the transaction for {$370.00} check was return on the XXXX. My concern is, if I have sufficient fund to cover my transaction, meaning my deposit was made on the XXXX ( cash deposit ) why my transaction was not cover. I understand they might charged the {$34.00} fee because at the moment when the check went thru it was not enough funds, nevertheless, it was not the case : the fund was more than enough went the check was returned which it was on the XXXX. Please I would like to get attention on this matter is not the first time similar situation like this happen. I also file an internal complain with the company. Reference no. XXXX
SENT COPIES OF PAID RECEIPTS TO ALL THREE CREDIT BUREAUS AND STILL NOT REMOVED AS OF XX/XX/XXXX
I visited Transunion for a credit report. They required my credit card number to bill me XXXX dollar for the report. Now they say I joined their service and want to bill me XXXX a month. They have already billed my credit card for this service even though I did not order it.
XXXX XXXX, amount is {$4600.00}. I have disputed this account and I have no knowledge of this account.
Voluntarily returned vehicle could no longer afford. Sold amount remaining XXXX Debt collector already took well over 6000 we are always told a higher amount when we call They take a huge amount weekly where we are facing eviction company says no hardship pay the bill /welfare food stamps goes by gross we don't qualify will be homeless..credit report and paystubs says this debt should be pd off as ofXX/XX/2018 still taking money saying now we owe another XXXX
After reporting a XXXX score increase to XXXX on XXXX/XXXX/2016, TransUnion has used erroneous information to lower my credit score from XXXX to XXXX as per XXXX XXXX and XXXX XXXX. Claims that XXXX XXXX reported that I exceeded my account by {$1.00} or more dollars on XXXX/XXXX/2016 and subsequently XXXX XXXX under the same circumstances on XXXX/XXXX/2016 ( screen prints attached ). Both accounts have been closed and charged off for nearly 7 years.