WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX has an FHA loan and submitted a completed package at the end of XX/XX/2015 He works for XXXX and on his paychecks that were submitted, it is noted that he received BONUS income called XXXX, a retention bonus offered by XXXX. It is offered XXXX a year but is not something that any employee can BANK ON. It is listed on his year to date income and on his taxes that were submitted XXXX Two years worth ). We have asked and answered this question verbally XXXX TIMES and sent in a signed and dated letter on XXXX XXXX. Bank of America keeps stating that this information has been submitted to the underwriter the day before but everyday I call ... .they say the same thing. We have been lied to time and time again or sent to a manager who is out of the office until XXXX XXXX. It is amazing to me how Bank of America can lie and lie on the phone and say they do n't have information that has been provided to them over and over and over again on an FHA loan. I have contacted the FHA resource center and they too do not respond. What is a homeowner to do when no one keeps these loan servicers in check. When a month goes by without a loan servicer processing a loan modification, the file goes stale and then the homeowner has to provide all the same documents they have already provided on a timely basis. Then it takes another month for the bank to review them and then lo and behold, they are stale again. We had these problems with Bank of America back in XX/XX/XXXX and in XX/XX/XXXX they are just as bad. Now they have a new process where to speak to the Customer Relationship Manager, one has to make appointment. I had an appointment today for XXXX and no one called. I called BofA to find out why no one called and they said sometimes the relationship manager is not in, but I should wait until XXXX just in case? What? I have to wait around for a XXXX for an appointment for the possibility that someone might call me? How does that work? NO ONE CALLED. So you call and get false information. You provide timely information that is ignored. You schedule a return call that does n't happen. Yes, things have returned to the good old days at BofA of really bad loan servicing and this is an FHA loan.
On XX/XX/XXXX an inquiry was made to my credit by CBNA and another to XXXX XXXX in DE on XX/XX/XXXX that I did not request or authorize. My assumption is that these were fraudulent attempts by some third party to open an account in my name since there were multiple inquiries to various companies on or around that date. No one at the card companies seems to be able to help me and keep forwarding me around to various departments. This was my second attempt to try and have this removed from my credit, Luckily no new accounts appear to have been opened but the number of hard inquiries is hurting my credit.
I received a call from XXXX with Phoenix Financial Services in regards to a debt of {$1000.00}. Information was given all at once and a payment was immediately demanded. I informed XXXX that I did not understand all of the information and began to ask questions- such as who reported the debt, how much is owed, by when, and the company name. With each question XXXX would raise his voice and shout the answers over me as I was talking. I informed him that I was a college student, and that I would speak with my Husband regarding the bill and asked to call him back. On this phone call I was presented with the amount of XXXX. 

When I called back in, I advised XXXX that I would have {$400.00} from family, but that I did not know when I would have the rest. He advised for the second time " your doctor will only settle for XXXX % off the original bill ''. Since this was the second time I heard this statement I asked for my doctors name. The question went ignored. I then asked again, and I was advised " the company will not settle. '' At that point I believed that my doctor was over my debt, not the company. I then was informed that Phoenix Financial Services had bought my debt. In the attempt to settle my debt with all companies, I asked that my bill be sent to me in writing. XXXX offered an email, and I declined. I expressed my fear that in the future my agreement may be revoked, and that an email would not be accepted- as emails can be altered. He denied saying he could not mail it to me. At that point, I again requested it in the mail. He said no, and that he was taking my discount off the table. Because I was threatened to pay more, because I requested a bill- I knew it was time to talk to someone higher up. I then requested a supervisor, because XXXX had begun yelling that a bill was already sent. I explained that although a bill had been sent, I had yet to receive it- and that I wanted an updated copy so that I could send in the agreed upon amount. At this point I was threatened because I requested a bill, then I was yelled at. If this is not abusive language- I do n't know what is. 

I spoke with his supervisor, XXXX who had no issue mailing out my bill. I advised her of my concerns- but no action was taken agains XXXX treatment of me.
Have several previous cases regarding this company and they never responded to the last update. I am not receiving daily calls after they assured me in writing that my account was place on a complete call block.
On XX/XX/2018 I contacted Experian with inaccurate information appearing on my report, they updated several issues but failed to update the following issues as well : In addition, There continue to be incorrect addresses that also appear on my credit file. Please delete the following : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX.

I am further disputing the late payments reporting on the following accounts. I was not late on any of these payments : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My current Employer is XXXX XXXX, my previous Employer was XXXX XXXX XXXX.
I have been contacting XXXX XXXX sine XX/XX/XXXX I was final advised that an older will had been provided by one of my siblings. This plus the proof a appointment as personal representative. As of XX/XX/XXXX they still have not accepted the court forms from the Utah State First District Court.
When viewing my credit report through XXXX, I noticed an inquiry from Syncb for National Credit Cards/Airlines. The date for the inquiry is from XX/XX/2018 ... however I only noticed it now. When doing further research, I found that this was a problem with many people. I did not apply for care credit. An online user referred me to this site to file a complaint, so that I may avoid running in circles with XXXX, XXXX, and Syncb.
I have several inquiries that I did not give consent to run my credit. lease remove them from my credit report. I have no knowledge of these inquiries and there is not account attached to them. Equifax is stating that " inquiries are a factual record of file. How are these inquiries factual when I have contacted the creditors and the creditors have no account. Furthermore, they have no knowledge of me doing business with them.
I just found out my home is in foreclosure. My home was in foreclosure 10 years ago, but the foreclosure was dismissed for lack of evidence by the plaintiff. I initiated a short sale a few days ago and was just informed by my Realtor that my home is in foreclose and has a sale date XX/XX/XXXX. I have n't never been served with papers notifying me that there was a case pending. NationStar has been in contact with me and is aware of, my mailing address. I also have a buyer interested and they will not entertain the short sale unless I agree to auction the property off. I have a sick child at home and do not want XXXX people walking through my home especially since we had the home on the market for 5 days and have a contract and a back up. I have spoken with Nation Star a few times the last couple months and have not been advised one time that there was a foreclosure pending. I suffer from XXXX and this absolutely devastated me. Please help me!!!!!
I made a mortgage payment on XX/XX/XXXX for {$680.00}. I receive an email stating my account was short XXXX. I want and put XXXX in my account on the same day I received the email to cover the mortgage and the company. On XX/XX/XXXX I received another email stating that the mortgage payment reversal for {$680.00}. and I was charge {$35.00} when the amount was in my account to cover the payment.
I recently pulled my credit report and discovered that this company has placed this item on my credit report without notifying me of the debt which I am afforded under article XXXX of the FDCPA
I took out a student loan in XXXX with Navient, I have since than been deferring this loan. On XX/XX/XXXX, I received an email from XXXX XXXX ( my credit card ), advising me that my credit score had dropped from XXXX to XXXX. When I viewed the reason, I discovered I was 90 days past due on my loan. I did not receive any type of contact from them letting me know my bill was due. Every year, I receive a letter from them and I defer the loan, this time I received nothing and therefore, was unaware the account was delinquent. I recently moved to California on my own and am work part time and enrolled in college for XXXX XXXX full time. This neglect by Navient has changed my life. I work hard on my keeping my credit score above average and now it is below average. When I contacted Navient, they informed me that I did not have an account with them and I tried to explain that I did because I have deferred the loan for years. I than questioned why I didn't receive a bill and their reply was because I was signed up for electronic billing. This is contradiction by Navient, how can I sign up for electronic billing if according to them I never had an account and if I never had an account, where has my loan been for the past years. Navient informed me the only way I could get it removed is if I file a dispute, which I have. If Navient was not neglectful in contacting me has they have done in the previous years, this would not have happened.
When I initially applied for the Best Buy Credit card back in 2012 they added in a debt protection fee that adds an addition charge for every XXXX dollars financed. From my understanding the protection was disclosed in the application but not brought to my attention as i would have never purchased the debt protection. I discovered this back in XX/XX/XXXX when I paid off a large sum and was hit with a charge that I've never seen on my statements before for debt protection. Citigroup or the subsidiary was very helpful in terminating the protection. I attempted to previously get the funds reimbursed in total for over the XXXX dollars paid into the program but was returned that they can not due to me signing up and applying for coverage. I have attached the letter from the first attempt and also and example of a billing statement highlighting the fees charged for this period and over the year. I have all financial records from this account and do not see anything for the debt protection. I have a request currently with the debt protection agency to give me a copy of when I agreed to or signed stating I am in agreement with the protection.
I had to reach out thru the CFPB to have any contact from HSBC in the first place back in XXXX. 
Now, here we are, XXXX, XXXX XXXX, my case handler, did NOT handle my case. She emailed me to get the CFPB claim closed, but the email address and phone number are both COMPLETELY bogus. 
HSBC had NO issues having their collections department contacting me. I tried their " general '' phone number, guess what, since there is a card they opened incorrectly under my social security number, I can't verify so it hangs up on me. AGAIN, I can NOT make a payment. I have no way to speak to anyone. Chat tells me I have to call. I can not login on the website, and my " point of contact '' was fictional. 

Dear XXXX, I received your concerns shared with the CFPB. I was disappointed to read about your experience. Im sorry for your difficulty. 

I will be your point of contact on this matter. As soon as I have an update or resolution, I will notify you immediately. 

Please contact me directly if you have any questions in the meantime. 

Best, XXXX XXXX XXXX Manager, Executive Office | HBUS Customer Relations XXXX XXXX XXXX - XXXX XXXX, NY XXXX ____________________________________________ Phone XXXX XXXX XXXX Fax XXXX XXXX ____________________________________________ All XXXX. She never replied to any emails I sent after this.
UNFORTUNATELY -- MY HUSBAND AND I HAD TO FILE A CH. XXXX BANKRUPTCY IN 2011. 
ON ADVICE OF OUR ATTY ; WE DID NOT RE-AFFIRM THE LOAN WITH WELLS FARGO AS " SERVICER ''. SINCE, I HAVE KEPT THE LOAN CURRENT ; EXCEPT FOR A 3 MONTH PERIOD WHEN I WAS ATTEMPTING TO GET A " HAMP '' MODIFICATION. AT THE TIME OF APPLICATION, WELLS TOLD ME TO BE ELIGIBLE, THAT I HAD TO MISS XXXX PAYMENTS. 
SO, MY ISSUE WITH WELLS IS TWO FOLD REGARDING CREDIT REPORTS : ( 1. ) THEY CONTINUE TO SHOW XXXX MISSING PAYMENTS -- EVEN THOUGH WELLS TOLD ME TO DO SO -- AND -- THEY DO NOT ANSWER THIS WHEN I WRITE -- THEY ONLY SAY PURSUANT TO THE FDCPA ; AND ( 2. ) AS STATED, WELLS DOES NOT/WILL NOT SHOW THAT I KEEP PAYMENTS CURRENT. AGAIN, THEY STATE BOTH THE FDCPA AND CALIFORNIA FDCPA. 
THEREFORE : IS WELLS WITHIN THE LAW BY ( 1. ) CONTINUED REPORTING THESE XXXX MISSED PAYMENTS ; AND ( 2. ) IS WELLS WITHIN THE LAW BY DENYING THE FACT THAT I MAKE PAYMENTS ON THIS LOAN -- EVEN WHEN I ASK THEM TO REPORT? 
THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAL. XXXX FORMERLY : XXXX XXXX XXXX XXXX. 
XXXX XXXX, CAL. XXXX
We where given a MHA modification effective XXXX XXXX 2014 with our mortgage company Ocwin Financial. The program was MHA 's Principal Reduction Alternative ( PRA ). Ocwin issued a XXXX Cancellation of Debt dated XXXX XXXX 2014 showing a discharged amount of XXXX. However the program is structured so that the balance is a forbearance and then XXXX of that forbearance will be forgiven on each XXXX year anniversary for a XXXX year period. Ocwin should not have issued a XXXX for the forbearance on XXXX XXXX 2014. We have contacted Ocwin on serveal occations and the refuse to issue a corrected XXXX. This has resulted in a XXXX dollar tax bill. We where expecting a return of XXXX that was going to be used to help make our mortgage payments. Ocwin 's mistake has resulted in us being unable to make our mortgage payment and accruing interest and penalties with the IRS because we can not afford to pay the outstanding balance with them. We feel like we are in a catch XXXX. If would could resolve this issue it would save our home.
I have student loans for which I will qualify for the Public Service Loan Forgiveness program when meeting the terms of 120 on time payments to consolidated XXXX XXXX and working for a XXXX company during the time of those 120 payments ( 10 years ). I thought I had met the terms as of XX/XX/XXXX but found out my loans were not consolidated. At that time ( XX/XX/XXXX ), I was contacted by Ameritech Financial. I was led to believe I needed them to get my loans transferred to XXXX XXXX and consolidated. They also convinced me that in order to quality for the PSLF program, I needed them to keep documentation of my payments and paperwork needed, they told me this was one reason why I was turned down when applying for the PSLF because I did not have the 10 years of documentation.I believed they were a part of XXXX XXXX. They sent me forms from XXXX XXXX to get filled out ( Income Based Federal Form, General Forbearance Request Form ). I also had to send them Pay stubs, XXXX Tax return, bank routing information and signed releases to get my loans consolidated with XXXX XXXX.I was told everything was ready and beginning XX/XX/XXXX, I would be paying {$74.00} that goes to XXXX XXXX XXXX and {$99.00} that goes to my loan, then after 13 months the {$74.00} would no longer be needed to process all this and {$99.00} would be my loan payment.They also created my account in XXXX.

I recently received a letter from the FTC dated XX/XX/XXXX stating Ameritech is being sued or deceptive practices and outlined what I needed to know and steps I can take about it. I was devastated to say the least, I was mislead in a huge way and gave personal information to a company I thought was working on behalf of XXXX XXXX who has done nothing but steal my identity and my money for now 17 months.! I tried logging in to XXXX  to find out the security questions were changed and so I could not access my account. I called XXXX XXXX  and spoke to them and found out the {$99.00} that Ameritech set up as an auto withdrawal out of my bank account for 16 months was not going to my loan at all. I contacted my bank to stop the XX/XX/XXXX payment but they will charge me {$22.00} to do that and said if Ameritech ( XXXX XXXX XXXX ) changes a letter in the name ( XXXX  ) the money goes to or even the amount by a dollar, the stop payment will not catch that so the only way is to call them to stop the payments. I did call Ameritech but got an answering service to only be able to give a message and was told I would be called back in one or two days. The message I left was : to cancel my account, request a full refund and stop the XX/XX/XXXX and further payments to them. I made that call on XX/XX/XXXX - have not heard back yet.
I have a car with XXXX XXXX company back in XXXX of 2018 my car broke down and lgm paid for it and I was to pay them back 3 payments of XXXX I paid off all of what I owed them and they are stating that I have never made a payment on it I have sent them all of my receipts and bank statements showing that I paid them and they are just ignoring them and refuse to fix their mistake.I have shown them all the proof that I have and they disabled my car and are very unprofessional and dont want to even listen to whatever I have to say.
Experian intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim. 

Repeated requests to provide methods of accuracy & verification used by Experian pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.
XXXX has a fraudulence case against defendant and garnish wages-false notice of rights for defendant to dispute the case at the time of an alleged judgment. 2 courts can not verify debt to tell defendant what credit card XXXX is garnishing defendant wages for. lawyers could not know what credit card in question XXXX are garnishing defendant wages for. credit card account information in document to garnishee is unknown. XXXX used improper service and correspondence to have an alleged judgment against defendant. defendant did not receive valid information to verify debt as XXXX wants to collect incorrect amount of money from defendant. Defendant learned such garnishment from Garnishee and after money was subtracted from defendant paycheck. XXXX is in violation of FCRA ( fair credit reporting act ). Attorneys of XXXX  are using misrepresentation to have an alleged judgment and to garnish defendant wages and these, I believe, are violations of FCRA and of sensitive security information that is controlled under 49 C.F.R. part 15 and 1520. Please, CFPB stop XXXX and this garnishment to protect consumer.
XXXX XXXX and EXPERIAN has failed to produce any documentation that shows that alleged XXXX - XXXX XXXX XXXX has named alleged XXXX XXXX, as assignees, nor have even shown that the original accounts has any knowledge of this actions, or that the original alleged XXXX- XXXX XXXX XXXX has even given all rights and control.EXPERIAN continue state that they have verified the information when I sent them a letter disputing the information 2 months ago. 
If XXXX - XXXX XXXX XXXX did assign the debt to a third party-XXXX, XXXX - XXXX XXXX XXXX would then lose his rights to collect later. This means that probably took a tax credit, an insurance write-off, or some such action that automatically makes XXXX XXXX unable to collect the debt after that point. Collection agency XXXX XXXX does not have the original agreement with my signature. I never attended any college. According to the Fair Credit Reporting Act section 609 ( A ) ( 1 ) ( A ) the credit bureaus have to get physical verification of the original consumer contract for any and all accounts they post on a credit report. Electronic dispute notices ( XXXX ) received by was handled by its " XXXX ''. 
I Noticed they never had a single person actually investigate any of the XXXX and it never contacted me by mail on their way of investigating. No proof.They stated their position was that it had no responsibility to do anything because its computer " investigated '' the dispute when it reviewed the information in system and compared it with the information supplied by the XXXX XXXX and EXPERIAN. 
EXPERIAN said that they have verified all accounts. I need to have them send me a copy of what they used to verify the accounts attached. The ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) If they do n't have it please remove it. I have no knowledge or signed account level agreement with alleged collections agency- XXXX XXXX or original alleged XXXX - XXXX XXXX XXXX.
My husband and I went to a couple car lots and told them to only run my credit with XXXX credit with XXXX creditors only. They ran it through XXXX. I DID NOT authorize that.
I have contacted the company who has been reporting the wrong information along with the credit bureaus .... XXXX and XXXX has removed the item but Equifax has not ... Also I have ask all three bureaus to stop reporting a negative late payment I have contacted the company and there saying that they are not reporting any late payment ... I have ask if they could send the bureaus something in writing so that this could stop having a negative affect on my credit .... I have done everything I can by calling, summit documents and still no removal. Im just asking if these items to be removed ... Thank You
After over 50 years of having Wells Fargo bank accounts, the bank randomly decided to close one of my small business checking accounts. Wells Fargo refuses to provide an explanation other than its a " business decision '' that can not be contested and will not be explained. The account in question has an average balance of over {$10000.00} and has never had a bounced check or a deposited check returned for lack of funding.

This causes a great hardship as I am forced to find a new bank AND I will have to close my other five accounts with Wells Fargo as I will not know when or if they will decide to randomly close these as well. We all know Wells Fargo is a corrupt and crooked operation but I chose to stay with them because of the hardship I would have to move accounts. I live in a small town and banking choices are very limited.

I know there is an active investigation regarding this matter with Wells Fargo and would like my complaint to join this effort.