WillisBack/dataset-financial-user-claim huggingface dataset:
My husband and I have been trying to get a loan modification with Shellpoint Mortgage Company for few months now. We are also working with our attorney ; three months ago he recommended we do a Chapter XXXX in the meanwhile try to get a loan modification with Shellpoint. The problem with the Chapter XXXX was that our trustee 's payment was raised during this time. On XX/XX/XXXX we submitted a loan modification package to Shellpoint Mortgage and we received a response from Shellpoint dated XX/XX/XXXX indicating they assigned a new specialist to assist us thru the lost mitigation process. We have made many attempts to get a hold of our specialist dedicated to our file but he never responded back. Every time we call they tell us they require more documents and every time we send them and come back with another request of forms or adjustments on forms. For example : they requested our XX/XX/XXXX-XX/XX/XXXX taxes and we complied. They told us to call back in a few days to follow up and I did only for them to tell me that they did not receive our taxes. 

Finally after submitting a complain I hear back from our specialist. HE told us he had received a package. And that he was sending a realtor to our home to do a home appraisal. This was on a Monday. On wednesday we recieved a phone call from Shellpoint indicating that we are eligible for a loan modification. That we would have to give a XXXX down payment. They told us they would put everything in writting and mail it to us. Well on Friday evening we get a call from Shellpoint and they tell us sorry the investors would not approve the loan modification. And on Monday morning our home goes into Auction and we get foreclosed on.
I am very disappointed with how this case has been handled, I 've done what I can and very unfortunate this illegal case was a violation made against The Fair Debt Collection Practices Act.
I need to file complaint with CFPB about distinctly different 3 distinctly different companies. 
- Those 3 companies are - 1- Chase. - 2 XXXX. & 3 - XXXX. 

In XX/XX/2012 - I had been a customer of all 3 of these companies since almost as long I have been old enough to have credit cards or credit reports. 

- Things had gone very well! 
- Then - in XX/XX/2012 - some problems started! 

- In XX/XX/2012 - false charges started appearing on my Chase MasterCard. 
- I called Chase Customer Service to talk to them about that. 

- Some of the charges were from another state. Very strange. 

- I was avoiding using my Chase MasterCard for a while. 

- Chase de-activated my account. 

- Chase sent false info to my credit files! 

- I suffered from a ridiculous amount of adverse actions because of Chase sending false info to my files! 
- I also suffered from adverse actions because Chase failed to correct the problems even after 30 days! 
- Those 3 companies - Chase, XXXX & XXXX  have severely violated FCRA! 

- That caused more adverse actions against me! 
- For example - I got toy limited by XXXX & XXXX XXXX XXXX! That toy limiting almost certainly happened because of Chase sending false info to my files!
My rent was {$570.00} a month. I paid the rent on time and in full. I gave proper 30 day written notice that I would vacate. I did n't damage the unit. They took my entire security deposit. Their workers who many did n't speak English kept entering my unit without notice so I moved out. I let management know but the workers kept doing it. I do not owe this. I 've never been given written notice of the debt. I asked for it just about 2 months ago, again, and habe still received nothing.
My direct deposit for my social security check was fraudulently changed in XXXX so I wanted to look at my credit report and ca n't get it without paying for it. I strongly feel my identity has been stolen.
Returning to the XXXX I exchanged XXXX at the Travelex XXXX at the XXXX XXXX Airport. The buy exchange rate posted was XXXX XXXX $ per XXXX. Rather than multiply that rate times XXXX ( XXXX XXXX XXXX = {$230.00} XXXX, the person at the counter divided XXXX XXXX = {$210.00} XXXX. I was shortchanged {$19.00}. I recognized this at the time ( I am an XXXX so I know these things ) but did not say anything because I had to catch a tight flight connection. My suspicion is that the person at the desk or her manager or maybe even the company does this routinely as a scam.
Massive data breach of social security numbers in recent years. I am disputing the XX/XX/2016 hard inquiry, performed by XXXX XXXX XXXX XXXX XXXX XXXX of XXXX, CA XXXX. I truly believe that this inquiry was fraudulent in nature and done without my consent or permission.
Both of these agencies have refused to resolve dispute matters I sent in several reporting letters to both Transunion and XXXX  TransUnion has never sent any formal response back to my disputes and XXXX   sent a letter asking for an address update and so forth like that which I provided to them over a month and a half ago and I still haven't got any remarks comments or anything back from them TransUnion has consistently allowed people to and really both credit reporting agencies allowed organizations to create multiple reporting accounts of the same account on my records so the same creditor appears more than once on my credit report often just recently they are starting to clear some of that up but the fact that it was done even once for even one month was detrimental to my credit Health showing that I had more negative accounts than I actually did furthermore and trying to dispute these matters the remarks from TransUnion on there profile says such comments as consumer disputes account but it meets the fcra requirements so I would like to know what fcra requirements allows you to fall asleep Bill and report an account that is not an accurate balance or number of accounts in my name furthermore there are several companies that I have already been making payments to that have refused to update the balance on my credit reports that should reflect that my balance is actually being paid down and paid off but they're still reporting on the matters every month so the account balances are not accurate at all either trying to dispute matters with the companies directly with XXXX and Transunion has been extremely unsuccessful most of the time they don't even send me mail when I call in it's even a further of an issue the most XXXX personally has done has mailed me the copies of my credit report as I've been declined for other business services but other than that they have done nothing to investigate resolve or dispute matters these agencies that seem to have no regulation sitting here letting people put multiple accounts in my name with derogatory comments and which it is being detrimental to my credit health and they're not doing a darn thing about it this is crazy this is my final attempt to get both of these agencies to process the disputes and to check the account balances and so forth before I just go ahead and hire an attorney and sue them for Consumer Fraud for having allowed such activities to go on I have several letters I have mail to both of these companies even sent certified and they still haven't replied to and this is been going on for years and I'm sick of it I'll go to court and get fee waivers because I only receive Social Security and will be in court for years if they want to keep playing games I'm sick of this I really am I don't care if you guys don't like the terminology I'm using or not if you have my time to waste four years with fraudulent credit reporting that I can go back and forth and small claims court all year long as well
XX/XX/XXXX at XXXX submitted a FICO credit score application to check on credit through the Citibank website. Received score and was pleasantly surprised to see the results. The intentions were to open a new credit card to start restoring credit. Citibank website suggested the Citi Preferred Thank You card along with the AAdvantage card applications. After reviewing the choices I decided to apply for the Preferred Thank You card considering it was suggested after my credit report was ran. Surprisingly my application was declined after submission. I feel that with the running of my credit report, knowing the results and offering a credit card that had high chances of it being declined was very misleading and it will leave an inquiry I would rather not have had I known the chances.
Back in XXXX, XXXX, I became a victim of identity theft, My information was used to enroll in a XXXX college, XXXX University. My personal information was used without my consent. I did n't give anyone the autorization to use my social security number an birthday to take out money for student loans.. The person, that use my social security number and birthday, used a boguish name also. Also, at the partically time the loans was taking out, i didnt have a XXXX XXXX XXXX nor a XXXX. I want want this problem to be disputed an to be dissolved, because, it is affecting my credit score. I am being harrassed by collection agency and my wages has been threaten to be garnish. I cant even attend school to better my life because of the student loans being in default. I have tried to work this matter out with the Dept of education, i have sent in all the documents they asked me to. the denied me, saying i am respsonible to pay the money back. I dont think its fair, that i have to pay money back that i have never seen nor touched.
Receivables performance management is reporting on my Credit report in a negative way with a {$0.00} balance. I have contacted the original creditor ( XXXX ) to get this cleared up because I currently use their services.. After speaking with XXXX they stated that I did n't owe them anything and that my current account was up to date. I have never paid RPM any money so I called them to check this status and see how I can get this removed. They stated that they cant remove anything and that I will have to dispute it with the CRA. I have Disputed this before and it has been removed from one agency. I called the CRA and they stated that RPM has to report it as removed or deleted in order for it to come off of your credit report. Once I reached back out to RPM they stated that unfortunately they can not delete anything even if it has a {$0.00} balance and I did n't pay them. She assured me that there was no other way of reporting this to the CRA as removed but I know that it has been done before. She told me to call the CRA again and ask them when will it be removed.
When I obtained a copy of my credit report I noticed that Equifax had my date of birth incorrect. When disputing a few accounts I had asked that it be corrected to show my true birth year which is XXXX. 

To dispute information they require proof of your date of birth which I had included my driver 's license which is an approved document as per their website. This has been going on since last year and they have yet to correct it. Something as easy as a date of birth with documentation they can not even corrected? What does this say about everything they report? I have attached the driver 's license that was also submitted with all my correspondence to them as per their guidelines. They even stated on one of their response to submit a copy of the driver 's license or birth certificate which actually was included in the initial request. That too has been attached. 

Please keep in mind that they would not even respond to a dispute if the proper documentation was not provided and the attachment shows they did respond meaning they had the documentation they required!!! 

If someone did not input my birth correctly at any point then it should have been up to Equifax to question it then because I know my date of birth and would never have put a different year.
This company reinserted previously deleted information from my file that is a identity theft account from XXXX XXXX XXXX that is a credit card that I did n't open. They are breaking FCRA laws by doing this and I suggest the CFPB take legal action agianst this company they are trying to just make money. I 've been a victim of identity theft and they are not worried about that at all. I would like this account blocked permanently from my file as I included it in my FTC fraud identity theft affidavit that shows this account listed which i have attached with this complaint
I was charged interest ( {$19.00} ) by PayPal for my PayPal credit account, which I believe should not have been charged. On my PayPal online account, it states that the " amount to avoid Standard and Deferred Interest '' is {$240.00}. It did not state that credits/refunds paid back to my PayPal Credit account would not be counted towards this amount. The explanation provided next to the " amount to avoid Standard and Deferred Interest '' did not provide ANY NOTICE to a customer that refunds/credit back received to the account would not count towards this amount. Because I had several hundred dollars worth of refunds come back to my PayPal account, I did not believe I needed to make an additional payment towards the amount of {$240.00} ( in fact the total payments and refunds back to my account was {$520.00} ). I was then charged interest and upon calling PayPal was told that actually, refunds and credits do not count towards the {$240.00} amount. I said that there was no notice of this on my PayPal statement or in the explanatory box next to the {$240.00} amount ( pictures attached ). Had I known, I would have made the additional payment necessary to avoid interest. Most other bank credit cards take into account refunds/credits towards the interest payment. I said that now that I know of this policy, I will take that into account for my future payments, but I should not have been charged the interest this time. PayPal simply said this was my problem and they were n't willing to do anything for me. This is incredibly upsetting, not only because I have been a PayPal customer for a long time but because I believe a customer should not be charged this interest given this lack of fair notice.
My credit score I am in the process of fixing and I wanted to get a secure credit card to help rebuild my credit I went to the capital one website and applied for they credit card because they advertised in there ad that the will approve you if you are trying to rebuild your credit but that is not true all they did was run my credit knowing that they was not going to approve me and put another hard inquiry on my report and lowered my score even more I think that they should be sued so many people apply for they credit card due to they false advertising and all they care about is getting the business not caring that they have just put that customer in a worse situation even more because now that hard inquiry have cause they score to get even lower please help me stop these company from doing this to people and getting away with it thank you
XXXX  of    2016  to prese nt. Wells Fargo has be en having trouble with having posting payments in a timely manner. Shipping billing statements to address that we have n't used for well over a year and a half. In so doing they proceed to want to charge me late charges. I have talked to customers service representatives and they assure me that the problem will be ractified. To this date it has not, if anything it is getting worse.
We received a tax abatement and our escrow payment and balance is not realistic for what needs to be paid. The company will not review the escrow until sometime XXXX which is not fair. This is frustrating because we pay on time and pay extra each month to reduce the principal.
Vanguard  will not release information on an account that I had set up with them years ago based on the fact that I do not remember the email address used on the account. I have verified that I have the correct Social Security number, the address used on the account and the name.  One  confusing factor here is that I am a  XXXX  but the account  may  not have that suffix attached to it.      Vanguard  has stated that since I can not remember the email address they will not give me information on my account. I honestly can not remember the email address used. Also since I no longer live at the address in question I have no way of getting statements that are supposed to come to me.     This is a problem since I can not get the account number so I can not update the account. All of this because I can not remember the email. The social security number is correct and is a more important detail.
I got contacted by unsolicited telemarketing phone call by several companies selling me online business opportunity. XXXX XXXX XXXX was one of them they called me on XX/XX/XXXX they  were very persuasive and they told me they were part of XXXX XXXX a company that I was working with at the time. They charged me a total of {$8400.00} and they told me they were going to get traffic on my website, funnel page, Search Engine submissions, Directory Submissions, Infographic Design. So far I did not receive their services as promised. They charged my XXXX card {$3000.00} on XX/XX/XXXX, {$3500.00} on XX/XX/XXXX and another {$1900.00} on XX/XX/XXXX. Also another company that I want to bring your attention is XXXX XXXX. XXXX XXXX had so many people calling me, they took advantage of me not knowing about the internet business so I paid XXXX XXXX also {$6800.00}, which {$3300.00} were on my Chase card. They were supposed to provide services for my website advertisement. I got no results also, they did not provide me with the services as promised. So I would like you to help me open a claim on those charges with my Chase card please. I thank you in advance your immediate attention to this matter.
In XX/XX/XXXX-XX/XX/XXXX I attended school at XXXX XXXX in XXXX, CA. While making payments on the two loans I had with XXXX XXXX ( now Navient ), my payments we not applied properly. I had written checks for the sum of the two loans, writing both account numbers on the check to be disbursed evenly, but the money was only applied to one loan. This continued to happen for over a year, without any correction by the lender. This resulted in delinquent payments, increased interest rates and constant harassment. I contacted the lender dozens of times to correct the problem and/or apply a credit to the other account based on the difference and nothing was done. Upon falling behind on payments, I was offered to put my loan ( s ) into deferment/forbearance without detailed explanation as to how that affected my loan and how the interest would continue to accumulate. I was NEVER suggested an income-based payment plan. Not a single time. It is now XXXX, I have paid 1 loan off and I have tried to apply for a repayment plan, but I was told I do not qualify because my account was current. The interest was well over 10 % and was told I could n't receive help unless my account was delinquent. So, I had to let my account fall behind again, severely impacting my credit score just to try to apply for that repayment plan. I now have been trying to contact Navient about my account and have been told my information does not match what is on file with the company! Apparently, my SSN and DOB do not match their records, yet they have no problem reporting me to credit bureaus, tanking my score and eliminating my eligibility for 3 Federal jobs I applied for because of my " delinquent accounts ''. Navient has done nothing but put me into the deepest financial hardship I could imagine and I can not foresee digging myself out of this hole without help from the CFPB.
The company XXXX XXXX XXXX has been harassing me for two years now demanding payment from me even thought I have paid off this account as agreed and have file bankruptcy a few years ago on this account they keep trying to collect from me. Now they have contacted another collection company to called LVNV to try and collect monies from me and have violated my rights under the Fair Credit Reporting act-they have put this inaccurate information on my credit report which has caused my score to drop XXXX points which has made it difficult to by a XXXX unit building. The current company that has been harassing me is XXXX XXXX bank in XXXX XXXX NV. I have also looked online for information regarding LVNV most consumers state that the company is a scam. I have contacted LVNV and they are not pleasant to talk to and they have not done their due diligence regarding if this was a valid debt. They just sent negative information on my credit report which has affected my life tremendously, XXXX XXXX XXXX has been harassing me also for the last two years I paid the credit card off and on my credit report from Equifax in the year XXXX/XXXX/2014 states that XXXX has been paid as agreed and they close the account and now trying to get more monies out of me. I called they customer service number and they state their is nothing they can do about it.
CIT IRA Department. 

After several calls to customer service regarding my RAMP up IRA CD one time increase and being told no increase available, even after 3 Federal rate increases. I asked to take to a manager. 
Speaking with a supervisor XXXX XXXX yesterday ( XX/XX/2018 ) XXXX said that marketing had no intention on increasing the rate on my Ramp up IRA CD. I was told I not the only customer calling to complain about this. My option was to break the Ramp up CD and increase the term with a 13 month CD. At this point I dont trust this CIT Bank for this Bait and Switch option.

I told him this was wrong and I cant believe his CIT bank is not living up the terms of the Ramp up IRA CD with a cap of 2.49 %. My IRA CD Raise your rate with XXXX XXXX  was increased in XXXX from 1.25 to 2.50 %. 
I researched the these Banks thru XXXX. I think I should copy this letter to XXXX and Consumerfinance.gov/complaint. 

I would like to hear back from you this week with increasing mine and my wife 's Ramp up CD to current interest rates ( above 2 % ) not 1.26 % for the last 14 months and to finish out the current term or allowing me to transfer both IRA CDs to a more competitive bank without a penalty.
JPMorgan Chase allowed my ex-wife on multiple occasions to change terms on my note without my authorization or approval. I informed Chase formally in the Bank and on the phone through Auto that she had my social security number and other identifying information and I wanted her and her contact information specifically, restricted from my account. This was not done and I have been financially harmed. When I spoke with the bank today, I was not asked my verbal security password and was able to access my account without it. I am horrified by what has happened and extremely upset.
( Orig. claim # : XXXX ) I spoke with a lawyer on XX/XX/XXXX to help further my ability to recoup my lost/missing/stolen SunTrust checking account funds. While the missing funds may well be a banking error, I lawyer advised that the funds could be missing due to bank theft, and that since this is my first experience with possible financial crime, so I did not realize that this would need to be a criminal report, not a fraud report ( as originally filed w/ the police about 2 weeks ago ). The lawyer advised that I contact the XXXX Police Department again and amend my incident report from " fraud '' to " theft by taking, '' since Suntrust can not explain the discrepancy as to why the account balance is {$1500.00} less than it should be and note that this is a breach of their contractual duty and failure to perform. '' I named SunTrust XXXX XXXX Branch Manager XXXX ( located at 1 XXXX XXXX XXXX XXXX, XXXX, GA XXXX, tel : ( XXXX ) XXXX ) as the representative of SunTrust. ( Ms. XXXX XXXX reviewed my checkbook register which covers the time period from XX/XX/XXXX - XX/XX/XXXX and did not note any errors in my calculations. ) Today ( XX/XX/XXXX ), on the lawyer 's advice, I  will be filing a claim in XXXX County Small Claims courtmy first and hopefully my last. I am newly retired and extremely cautious with my money, which is why Im fighting tooth and nail to get it back from SunTrust, who has been incautious with it and caused me extreme duress on top of the stress of living without my money which has required dipping into an emergency fund.