WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint is with Synchrony Bank and their Walmart credit card services. I had not received a billing statement yet, but I had wanted to start making payments, so I called the phone number on the back of the card. I was told I could pay that day, that my payment due date would be the XXXX of every month and that my minimum payment would be {$25.00}. I made my payment for that billing cycle on XXXX XXXX for {$26.00}. For the last week and a half, I have been getting constant phone calls informing me that I never paid my bill. I had posted my payment online on XXXX XXXX and the money was removed from my account XXXX XXXX. The first person I spoke to about this incident informed me that I had posted a payment on XXXX XXXX but that it never went through. I have iron clad bank statement proof that it was removed from my account for " Walmart Card Services. '' After numerous confusing phone calls to Synchrony, I was informed that I made my payment too early and therefore, it did not count towards that particular statement. I am being charged a late fee, plus a back payment, plus another late fee and a negative impact on my credit report. Out of all of that, they only agreed to remove XXXX late fee, when there should be no late fees and no extra payments needed. No one should be penalized for making a payment too early and that is exactly what is being done. I doubt that I am the first person to experience something so absolutely ridiculous, but I never the less, feel that this should be brought to your attention. This is a blatant example of how hard working, honest citizens end up with nothing. I want the late fees removed. I want the negative impact this has made on my credit report righted, and above all else, I want this to never happen to anyone else, ever. How is it legal to punish individuals for repaying a portion of debt too early? If this is legal, I would like to know under what statutes of law immediately. Synchrony and Walmart should be ashamed of themselves.
I have a mortgage with Ocwen. My monthly payment is {$220.00}. On the XXXX of each month I pay {$310.00} which leaves XXXX towards principal. On the XXXX of each month, I pay and additional {$400.00} towards principal. All total I shoulld have a total of {$550.00} credited towards my Principal. Since XX/XX/2013, when Ocwen obtained the servicing, I have paid over 39 months an additional XXXX towards my principal. My principal balance should be {$14000.00}, and not the {$18000.00} Ocwen is showing. Ocwen has disallowed me to log in to my online account. I registered my mortgage with ocwen in XX/XX/2013 and was able to log on and view all payments and history and view my loan documents. Because I filed my complaint, Ocwen have denied my access to the account. I called several times and was told that there was nothing they could do, and that I need to request any documents I need to look at in writing. I was also told that I can request statements. Why am I being treated different than any other account holder? Why am I being denied to view my payment history. Why is Ocwen hiding my payment history? Why is my bank account showing that I have paid more money than Ocwen has credited to my account.
I have been working with HSBC to try to save my home.These attempts have been unsuccessful. About two months ago I requested the paperwork for deed in lieu of foreclosure. HSBC has not sent me the forms. I would like to turn the house back over. Can you please help facilitate that these forms are sent to me.
This Debt collection company has reported a negative credit report to XXXX, in which does NOT belong to me.
I declared bankruptcy and it was discharged as a Chapter XXXX bankruptcy on XX/XX/XXXX. My XXXX XXXX XXXX credit card account was part of that discharge yet they are still reporting to the credit reporting agencies that I am delinquent on that account, over 10 years later. On approx. XX/XX/XXXX, I contacted them by phone and the clerk agreed their records show the account was discharged in my bankruptcy and that she would submit a dispute to hopefully have it removed. I received their response to that dispute, dated XX/XX/XXXX, in the mail. It clearly states the account was discharged during my bankruptcy. And it also clearly states that they are correctly reporting my delinquency and will continue to do so. I called again and spoke to a supervisor, and then to her supervisor. Both stated they could see it was discharged in my bankruptcy and both stated they could only resubmit a dispute to the same department that already refused to fix the mistake. And that their response would probably remain the same. I informed them it is a violation of my rights to continue to report me as delinquent but they said their policy is that they can only resubmit a dispute and were not capable of actually fixing their mistake.
Lincoln Tech has made a poor attempt to work with us on a payment plan with my sons student loan that I was a co signer on. A late payment was reported to the credit agencies even though We never recieved any statement bill showing payment due and money owed. I attempted to call to enroll in a one time forgiveness repayment plan and they were not accommodating at all. I would like an investigation to help restore my once perfect credit back!
Keller Mortgage ( a subsidiary of XXXX XXXX XXXX ) is counting on their size and political clout to get away with deliberately deceptive advertising. They are also trying to force their real estate agents to steer their clients to the mortgage company by scaring them stating " you will face class-action lawsuits if you don't offer them the Keller Mortgage offer '' ( this is illegal steering ). This scare tactic was part of their recent Vision 2018 presentation where XXXX XXXX, head of XXXX XXXX XXXX is giving a motivational speech to his real estate agents. 

I know that the CFPB is now essentially gutted and will probably ignore my complaint, but I challenge you to do the right thing here. I will NOT be the only one reporting these violations. I realize that the CFPB is now beholden to the big banks and other billionaire buddies of XXXX. XXXX in charge of the CFPB is like the proverbial 'fox guarding the henhouse ', although I agree with Mulvaney that the CFPB should be accountable to Congress and should have it's budget controlled by Congress like other government agencies. 

The ads are recent ( within the last 2 weeks ). I am submitting fall under RESPA, and Fair Lending laws ( the ads demonstrate 'disparate impact ' by requiring loans over 150k, thereby discriminating against lower-income areas and minorities who disproportionately occupy these areas ). They fail to disclose APR, and other key terms as required. Once a real estate agent places such ads, they are acting as an MLO and required to possess and disclose their NMLS number and of course, those are missing.
I have been charged for a " Payment Safeguard '' fee since XXXX of 2013 and I do not recall ever authorizing this benefit by Citi Card or requesting this.
My XXXX XXXX account was settled and should be a XXXX balance however Equifax is still reporting a balance of {$2100.00} which is not correct.. I have submitted demands to Equifax with proof and my credit profile has yet to be updated and there has been no response from Equifax at all. Update the balance immediately or delete this account off my credit file!!
I had  3  auto loans with   XXXX   and was late  one  x for 20 days on one xloan but  XXXX  is reporting 90 days late : They reported I was late 90 days but paid in full! First off, if you are late 60 days, let alone 90 days, they would repossess your car! I reported it to the  3  major reporting credit institutes but they wont remove it! They claim they went to chase and concluded info is correct yet when i call chase, they cant find the account! I want it removed because its clearly a lie! everyone knows 90 days late, and you dont have a car!
USAA Mastercard cancelled my card in late XXXX as a precaution against fraud and sent me another card. In the process those that had been on auto pay had to be contacted and given the new card number. I opted not to renew XXXX for auto payment. When XXXX called they were told their services were not wanted and to stop billing USAA Mastercard. This conversation occurred XXXX times, I do n't want your service stop billing USAA Mastercard. USAA Mastercard has been told a total of XXXX times ( XXXX on the phone and XXXX times in writing ) charges from XXXX are not authorized. USAA continues to accept billing on the account they closed. This has been happening monthly since XXXX 2014. USAA 's position is " this is an active account. '' I asked the adviser to the CEO, XXXX XXXX, 'How many times do I have to cancel before USAA Mastercard will consider the account closed? ' XXXX XXXX ' response, " you need to contact XXXX and tell them you do not want their service. '' USAA Mastercard can not answer the fundamental question of what it takes to cancel preferring to charge me interest and penalties on credit card they closed from an account I did not renew and on multiple occasions told them to stop.
I am being sued for credit card debt that I am unable to pay. I am XXXX and my sole income is judgment-proof SSI and Social Security, with no foreseeable change in my situation.
Two accounts have been charged off and closed and in the balance section of my credit report should be {$0.00}. This is causing the balance that I owe to my creditors to be incorrect. Which is causing my debt to income ratio to reflect incorrectly as well. 

1st account-Firm/ Ident code- XXXX  XXXX XXXX XXXX/Account Number-XXXX Balance amount showing {$3900.00} 2nd account-Firm/Ident code-XXXX   XXXX XXXX XXXX/Account Number-XXXX Balance amount showing {$970.00}
1 ) These accounts, opened in XXXX and XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, a XXXX thru XXXX timeframe. 
2 ) The address provided to and reported by XXXX XXXX XXXX XXXX is one that XXXX XXXX has never lived at, in a State in which he has never been a resident. We have provided signed documentation from the management company which proves this fact. ( Figure C ) 3 ) XXXX XXXX  and XXXX XXXX XXXX XXXX failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of XXXX XXXX and XXXX XXXX XXXX to comply with : The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 4 ) This is the third account listed by a wireless company within the same time period. It is illogical that any legitimate account would have been opened with three wireless carriers by one individual in close succession unless illegal activity was involved. 
It is because of these facts, and the documentation including : a signed Fraud Affidavit, reports from two law enforcement agencies, a report from the Internal Revenue Service confirming our client as a fraud and identity theft victim ) provided which proves that this account was in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line
Diversified Adjustment is reported on my credit report and amount is for {$3200.00}. I sent Diversified Adjustment a debt validation on XXXX XXXX  2017 and Diversified Adjustment has not responded
To Whom It May Concern, My name is  XXXX   XXXX , my property is located at  XXXX   XXXX   XXXX ,  XXXX , NY,  XXXX . I am currently living overseas due to the fact that I have no income and unable to support myself, so I am living with family members. I have been trying to do a short sale on my property since   XXXX  . The short sale was approved in   XXXX   and the buyer was unable to close. I now have a interested buyer and we started the short sale process with the servicer  XXXX   XXXX   XXXX   XXXX  after they contacted us to discuss my options. The BPO ( brokerage price opinion ) was completed and an offer submitted for the investor to review. They denied the option for short sale, the process has been denied  XXXX  by the investor  ( Wilmington Trust )  since their intention is to foreclose on the property and keep it. Regardless of the amount of the offer, the investor is not willing to allow me to short sale on my property and they are trying to force to do a  XXXX  or foreclose on my property. I understand that they have an interest on the property and they owned my loan, but why are they forcing me to foreclose on the property. Also, keep in mind that my property is a really bad shape, it will have to be demolished completely and rebuild due to the mold, pest infestation, foundation problems. I would like the public to be aware of  Wilmington Trust  malpractices.
I have contacted the CFPB previously with another collection agency regarding this debt. The debt is not accurate the company refuses to send me the back up information proving the amount, I have provided the information to them, however, they still deny the situation. I am asking for your assistance to stop this credit collection harassment by this new company now.
Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX fl XXXX
Received CC from Capital One in XXXX XXXX, with {$300.00} limit, charged {$340.00} by middle of XXXX. 
I made an earlier than required {$50.00} payment on XXXX XXXX, XXXX, from my XXXX XXXX account, from my actual funds on deposit from my Social Security ACH deposit, not from any funds of XXXX, bringing the balance down to {$290.00} by Statement of XXXX XXXX, XXXX. 
On XXXX XXXX XXXX, I was desirous of receiving funds from my Brother and my Sister-In Law, in California and inquired of XXXX as to how such a transfer might be accomplished, though I was informed that no such avenue existed if the sender of funds did not posses the same kind of XXXX card ( XXXX ) as opposed to any other type of XXXX card. Since my Sister-In law has XXXX XXXX Bank account ( s, ) not Capital One or a XXXX XXXX, I called Capital One to inquire as to how such a transfer could be accomplished and was informed by their CSR as to the process and the transfer time and dates of posting of the anticipated {$300.00} transfer. 
I emailed the CSR 's instructions to my sister-in-law XXXX/XXXX/XXXX at XXXX CDT : " CALL XXXX and give them my account number XXXX XXXX XXXX XXXX exp XXXX CVC XXXX stating that you wish to send {$300.00} ON A ONE TIME ONLY basis and then supply them your routing number and account number, none of which discloses to me. 

If you do this before XXXX XXXX, i am told, the transfer should be compete by tomorrow morning. 

Call me back if any questions. '' Thereby a {$300.00} payment was applied to my account on XXXX XXXX, XXXX, which cleared on XXXX XXXX, XXXX, bringing my balance to - {$0.00}. Upon clearance of payment Capital One decided to put a ten day hold on the payment, rendering my available credit as XXXX, for some unexplained reason, except that such payment, made by a blood by marriage relative, the wife of my older brother, who is a well known XXXX XXXX in XXXX California, and who is also, as I, an XXXX XXXX, was considered as sufficiently suspicious to require such a hold which would literally close my access to well deserved credit, and absorb the entirety of an amount of money needed for various purposes at the beginning of the month and denigrating my Credit Score,  which is partially determined by existing AVAILABLE CREDIT, while Capital One states that such available is presently XXXX when the account is fully paid and the original credit line should have been restored upon such fully satisfactory payment, made according to instructions provided by Capital One. " What 's In your wallet? ''
I have tried for 2 days now to get a credit freeze off my account. I have called at least 4 different # s can't get a human, tried every different option on their menu to no avail. waited on hold for 15 min.s several times before hanging up. this is ridiculous and I feel on purpose because we are not PAYING for credit freeze! PLEEEEEZE do something about it? im not the only 1 I just read on line a woman said she had been trying for 2 mos.s! I need this removed NOW im trying to get a credit card that I NEED! thank you please FINE them until they correct their abusive behavior!!!!!!!!!!!!!
My mortgage company failed to pay my taxes in XXXX. They did not notify me at all. I did n't find out until I went to the courthouse to get proof of residency to register my son for school. They have since sold my loan to a different company and wont tell me anything. My taxes were sold XXXX XXXX, XXXX. No one will tell me where the money I paid for taxes is.
On XX/XX/XXXX, ARA Inc. contacted me and left a voicemail stating that if I did not respond immediately, they would be sending a locator to find me and also issue a warrant out for my arrest. On the same day, they contacted my mother and let her know that I owed a debt and that they were sending a locator to her house to find me and to issue a warrant out for my arrest. After my mom told me this, I contacted ARA where I spoke to a representative who was insanely rude. I asked her to send me validation of the debt and she hung up on me. I then called back, referenced the case number they gave me, and the woman told me again, that if I did not comply I would be arrested. I let her now that I had absolutely no clue of this debt. I also told her to not contact my mother and do not send anyone to her house. After hearing that, the representative hung on me. Again, a representative, Ms. XXXX, called my ex husbands grandmother to ask to speak to me. The representative let her know that I owed a debt and that if she didnt hear from me today, they would be issuing a warrant for my arrest. This is getting completely out of hand. Ive asked for a validation of debt which I never got. They have contacted family member and spoke of this debt and threatened to pursue legal action. This is not right! Ive had to change my number because they would call my phone up to four times a day and leave threatening voicemails. I just want them to leave me and my family alone.
After reviewing my credit report, I regret to let you know my credit file is reporting negative information in regard my  XXXX  account. My account is reporting unknown payment status for   XXXX   XXXX    . I 've been making payments for this account and I 've never been late, therefore this " unknown payment status '' is hurting my credit report. So, Im kindly requesting an update to my file.   Thank you
Pay Day Loan was taken out in my name XX/XX/XXXX 2015 from " Speedy Cash ''. I did not request this loan/application.
In the month of XX/XX/2015, my email address ( XXXX ) was hacked and used to send messages to people associated with my business. At that time, transactions for the purchase and sales of products were made. The hacker forged the identities of our customers and suppliers, creating email addresses similar to those recorded in our email account, which they then used to communicate with our customers, our suppliers, and us. 

The hackers fraudulently and inexplicably opened XXXX ( XXXX ) accounts with WELLS FARGO BANK in XXXX XXXX, California.
AIC aka Allied International Credit Corp XXXX XXXX XXXX is attempting to collect a debt I do not owe. In fact, I do not even know what it is for. The person I am to contact XXXX XXXX about the debt has refused 7 times to take my call and does not return my voice mails or messages that reps say they are giving her. I have contacted XXXX XXXX XXXX and XXXX has stated that I do not owe anything, thus there should be no debt collection. I have been called a " XXXX '' by XXXX of their reps when demanding to speak to XXXX Supervisor. I explained that I am a XXXX and would never think of XXXX. The person must be XXXX. I told them that frankly I have never XXXX except my wife and do not intend to XXXX. They will not discuss this scam with me. They have reported this debt to the credit bureaus and my credit rating has dropped from the XXXX 's to the XXXX 's.
HSBC Bank suddenly blocked my Checking Account, XXXX credit cards and ATM card after a check I deposited was returned XX/XX/2016. 
I was not even able to view my accounts on-line afterward. I was told the action was initiated by the Fraud Prevention Department of the bank and was directed to talk to them. When I talked to them, they wanted me present the case to my local branch which I did. After a number rounds of talking to the branch people and the department, I was told to contact its Customer Relations Office which I did. The answer I got from it was a letter stating the bank has the right to close my account at any time, for any reason or no reason. I was greatly inconvenienced by their action and lost opportunity to earn over {$1000.00} reward money, let along hours of time spent in visiting and talk to the various individuals.