WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. In this report each bureau ; Transunion, XXXX, XXXX shows a difference in reporting on this account ( example : one reports shows paid on time while the other is reporting late ) These items : the date the account was opened, late charges and the number of days late and past due amounts that are not reported the same on all 3 bureaus. 
XXXX XXXX submitted a letter stating account was 89 days past due and reported this on my credit report but my record of payments contradict that claim. I'm challenging the due date of payment by submitted the original contract of the loan as well the actual date this account was open vs what it is stated on all 3 bureaus. 

Enclosed are copies of the account and how it is reported on all credit bureaus.A letter when the account was originally opened and payment history to show that this account was not 89 days past due.
Recently I had received an electronic notice of an insufficient fund fee. When I logged in to manage the account I noticed that there were actually XXXX fees charged, however, after looking through the charges and when transactions had posted to my account only XXXX fee was understandably applied to the account. I called Chase and spoke with a woman by the name of XXXX XXXX who seemed to have a bad attitude so I immediately asked for a supervisor to feel more comfortable expressing my concerns as opposed to feeling like I would have to potentially argue with someone about my frustration. I then spoke with a gentleman and explained how XXXX of the charges were covered by money I transferred from another account and that literally left my account at a XXXX balance. I then received an insufficient fund fee to the account due to a valid charge that took place of XXXX causing the account to be overdrawn. I asked why XXXX fees were charged instead of XXXX and he explained that although my two smaller payments were already pending and reflected in the available balance that they take the larger transaction and apply any " available '' money in the account to that transaction first. Because of this, I was charged XXXX insufficient fees rather than just XXXX. I am so disgusted with this type of procedure. It is bad business and a way to make an already expensive fee an even greater one with each fee being XXXX dollars. I ca n't even begin to review my past transactions to see how much money Chase has received from me through these fees. I would often just pay them as I blamed myself for these fees being applied due to my own negligence. Now knowing how this process works I wonder how much it has truly cost me.
I have informed XXXX that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want XXXXXXXX XXXX to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of XXXX XXXX Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

XXXX XXXX
In XX/XX/XXXX, I went Bankrupt and owed this company, which was discharged. The amount was XXXX, but they continue to add interest charges, until I went bankrupt, by then it was up to over XXXX. So could not use the credit card, which was closed. In XX/XX/XXXX, I married and have a different last name. This company sent me a new card with my new last name, different account. My husband was laid off work, which we had trouble paying our bills and I called and told them this. This company sold both my accounts ( the one discharged and the one under my current name to a debt collector. I paid the one in my current name with nothing owe. However, the debt collector is still sending me letters and reporting to credit unions, even though it was discharged in XX/XX/XXXX. They stated I open the card up in my old name in XX/XX/XXXX! The company would not let me do that! Help me!
I filed documents with ocwen showin evidence of a Equity trust they have me in which is a Pooling service. 

Ocwen states there are several mortgage in the PSA and Equity is just a name. The issue I have with this is my loan is a conventional Loan the word Equity should not be associated with the PSA. It clearly states EQUITY TRUST. My Deed Clearly states it is not and EQUITY DEED. 

Next XXXX XXXX  is not even in my loan documents and they show them in the trust SEC as my Beneficary/ They show XXXX as a Beneficary which is not in my orginal deed. My orginal deed Beneficary Trust is XXXX as listed in the deed Next The cut off date as in the SEC Report shows From XX/XX/XXXX-XX/XX/XXXXI would like to know how my loan was put in this PSA. I closed on my loan XX/XX/XXXX. The trustee at the time was Mortgageit not XXXX XXXX please explain? 

The law states no new instruments can be added to a trust once close please explain how it is possible for Ocwen transfers that are past the trust date XX/XX/XXXX-XX/XX/XXXX. Ocwne do not know about the orginator of the loan per to you the CFPB that means a broken chain of command in title.Please explain? 

Explain how Ocwen is doing a Non-Judicial forecloser when it clearly shows they accelerated the loan in XX/XX/XXXX which is pass texas law for non-judicial foreclosure document attached showing Ocwen is now duel tracking I sent a modification pack within the seven days per law they are to stop the foreclosure while in review. Ocwen is reviewing and has the sale date still on the property. This is illegal. 

I also want to know why Ocwen lied to the CFPB and sent fake documents showing the loan was accelerated in XX/XX/XXXX when in fact as the document I provided shows XX/XX/XXXX
XXXX XXXX credit card for XXXX XXXX XXXX XXXX offered a promotional rate of 0 % for 24 months on a purchase. After 24 month period I was told by the staff member interest would start at a rate of around 27 %. Instead I received the full amount of interest charged throughout the 24 month period after expiration. {$2100.00} purchase now has {$1300.00} of interest due all at once. This was not explained at all. I call to question the charge and they said they offer a 30 day grace period after the promotion. They do not reach out to you or mention this anywhere so how could the consumer know it exists? My call was placed around 6 days after the grace period. They told me its too late. I offered to pay the full bill to avoid interest. They still said no and that I would have to pay. Its a rouse that needs to be addressed.
we had aclose death in our family, I did not look at my statement and made what I thought was my regular payment, I was  XXXX   XXXX  dollars short, not late! I told them i would gladly pay all penilties with my next statement. We have recived constant calls daily, even when we told them to stop calling! We got calls before  XXXX   XXXX  and after  XXXX   XXXX , I have all on my caller Id or I can get a copy of calls from   XXXX   XXXX   XXXX    XXXX   XXXX
There is a hard inquiry on my report at Equifax by XXXX on XX/XX/2016. I did not apply for this. I disputed this inquiry and Equifax refused to remove the inquiry. i spoke with many customer services agents including a supervisor and i was told i can contact that XXXX. I explained that i will not call XXXX and give them any information about my persons over the phone due to the fax that i do n't have a relationship with them and do n't want one. I then asked the supervisor for the dispute process that determined my results he told me i was entitled to that. I asked him if they even reached out to XXXX to confirm they really received an application and he would not provide me with that information. Equifax took 48 hours to respond to my dispute and they did nothing to assist me. I want this inquiry deleted off my report now and however this inquiry effected my credit score to be fixed as well.
XXXX-17 XXXX XXXX {$230.00} Didnt receive any notification from of this debt, no phone calls and no notification in the mail
Claim # XXXX Amount : {$2700.00} On XX/XX/2018 I noticed activity on my account that I did not authorize. I contacted Bank of America immediately and reported all of the charges that I did not make and verified charges that I did make. I informed the fraud specialist I spoke with that I live in XXXX XXXX, Florida and did not visit XXXX XXXX XXXX and I dont know how or why there are numerous charges occurring in XXXX XXXX XXXX which I didnt authorize. The claims specialist started a claim in the amount of {$2700.00} with claim number of XXXX. I was advised that I would need to wait ten business days for an answer to my claim. On XX/XX/2018 I was advised that my claim has been denied. I called in and spoke to a claims supervisor by the name of XXXX who escalated my claim after she found discrepancies relating to research the analyst used to deny my claim. I was advised my claim is still open, but bank of America hasnt provided any temporary credit, nor documentation as to the current status of my claim. 

I personally reached out without Bank of America 's help to the numerous merchants where my card was fraudulently used and ascertained as much information as I could. I also reached out the XXXX and XXXX precincts of the NYPD in-regards to the fraud and was told by a detective XXXX that Bank of America will have to pursue it. 

The reason I am filing a claim with the CFPB is that Bank of America did not adhere to the ten-day investigation guidelines. My claim is still open and yet my account hasnt been temporarily credited and no other information has been given. I want my claim to be investigated and the Federal guidelines followed.
I have received repeated phone calls from Navient regarding student loans. I have attempted to arrange payments with them in the past and they declined the amount saying it was not enough. Given their refusal, I informed them that in that case I will not be paying anything. 

Since doing this, a representative from Navient has called my cellular device on a number of occasions and I have asked them to please and they persist. In addition, a representative from Navient has proceeded to call my family, friends and place of employment in an effort to harass me.
They say they ca n't identify me I am who I say I am some one is using my information and ruined my credit perminantly bills etc in my name!!
I have filed a complaint more than 30 days once again I 've been disputing inaccurate information for almost 5 months and still have n't received any verification from credit bureau or companies, under the fair credit act they have 30 days to respond or it should be deleted off my report acceptance now, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX accounts are reporting charge off these accounts are no longer accountable the debt was sold and written of on taxes therefore u can no longer come after the person, and XXXX XXXX never was I late, I also have mutilple hard inquiries that were added back to my account I have not applied for any loans or credit card so please remove all non account holding over 30 days old this is about my third complain yet not to mention have n't received any information or verification
wallet & phone were stolen out of his vehicle while he visited a convenient store XXXX XXXX. Today XXXX XXXX, I asked daughter to help me call Direct Express, https : //www.usdirectexpress.com/, to cancel the card and reorder a new one, I asked daughter to help me with the conversation and the Customer Service Rep became very angry and raised his voice and yelled to put XXXX back on the phone. He asked my information and that I would be getting a new card, well today I call back again because my card never came in the mail, The new customer rep told me that it was never reissued because of my daughter being a 3rd party on the call. I have been extremely XXXX out over this, I cant believe I waited all this time for nothing. I never did get the name of that man because he would not give his name.
On XX/XX/2018 I initiated a wire withdrawal of {$25000.00} from my account at Coinbase to my US-based private investment account. There is no evidence whatsoever that Coinbase made any attempt whatsoever to initiate the wire, despite the best efforts by me and my very capable financial advisor to look for it, but Coinbase nevertheless debited my account {$25000.00} and have failed to respond to customer service requests with anything other than automated responses that are not even pertinent to my issue. On one occasion they had the gaul to close my customer support ticket for no apparent reason. After I reopened my support ticket that they had closed, they asked me to provide information that I had already provided. I nevertheless provided ( again ) all of the information that they requested. That was 8 days ago, and there has so far been no further response from them.

Many others have been reporting similar problems with Coinbase on social media for months. This fact, coupled with the recent publication of a Coinbase bug that made it possible for unscrupulous users to credit their Coinbase accounts with unlimited ether, should prompt the CFPB to question the solvency of Coinbase.
My issue started this morning when I received a call from Wells Fargo. They called to inform me that my {$15.00}, XXXX loan would not be honored even though I met with a Banker on Friday XXXX XXXX to confirm and sign for the loan based on the terms and reasons that I had been asking for the loan. 
I was informed that the money would be in my Account Tuesday morning. After leaving the Bank I went ahead and wrote a check to a furniture store for the items that we needed since we recently moved to XXXX. What I do n't understand is ; why all of a sudden the terms have changed and the agreement that was discussed last week can no longer be honored. We have no furniture at the moment and we were looking forward to the money that the bank had agreed to lend us. It recently came to my attention that the Bank did not intend to give us the {$15.00}, XXXX loan to facilitate with the furniture purchase and in turn pay off credit cards with the remaining balance of the loaned amount. The Wells Fargo underwriters are not changing their stance even though this was fully articulated the moment I set foot into their bank. 
We are now faced with a Major dilemma because the furniture store is expecting payment and we now had to inform them that we can not pay it due to the fact that the bank will not honor their side of the loan. Furthermore, we are faced with return costs to the furniture store and shipping costs that are close to {$300.00} due the Wells Fargo 's negligence and inability to honor a loan they provided. I am deeply upset and frustrated that this would be a painful experience. We want the bank to honor the agreement and provide us with the funds that will aid in getting furniture and clear off debt. It is now clear that their intent was not to aid in providing a loan for us to get furniture and pay off some outstanding debt. They want to loan us money and they also want to dictate how we use those funds. 
This is why we are writing to you today. Hopefully you can be off assistance because we need some help to get this resolved quickly.
I received notification of a collection account on my XXXX and XXXX credit report, wiht ARS for {$470.00} to which is Identity Theft and I have reported it to them repeatedly.
OCWEN LOAN SERVICING , LLC . I have fallen behind on my mortgage due to being laid off. Since XX/XX/2016 I have been trying to get a modification. I am given the run around, they request the same info, letters, paperwork over and over. Always say my application is incomplete. They are now sueing me and taking me to court to Foreclose on my home without offering me any kind of payment plan or any kind of modification options. I have already written my Attorney General 's Office and I am awaiting their response. This company has been repetedly sued, they have an F rating with the XXXX with a negative score of XXXX %. They have taken so many people 's homes using unfair and fraudulent practices. Someone please stop them.
An unsolicited card was sent to my XXXX XXXX XXXX daughter. We do not consent to this card. However, when I try to contact the company, I can't get through to anyone without entering her SSN. This I will not do! XXXX XXXX should not be issued to underage children without consent. We should be able to cancel without giving personal info.
OnXX/XX/XXXX I sent out a certified letter to XXXX   XXXX which was received by them on XX/XX/ regarding a entry on my credit bureau from United States Bankruptcy Court District of Colorado. My letter was address both this entry and an entry by XXXX County which I already previously filed a complaint about. XXXX XXXXXXXX sent me a report bt mail on XX/XX/XXXX that the results of their investigation was complete. I asked that the entry be validated and copies of all and any documents with regards to this entry be sent to me. I never got a thing. The response came back well beyond the 30 days required by law. I never resided in the State of Colorado and I believe they have me confused with someone else. They still claim they verified the entry and the Court provided the verification which would be untrue. I have provided documentation to support my position. They even have the spelling of my middle name wrong.
Transunion customer service US handling would not help and take care of the negative inquiries reporting to my credit report. 
which are XXXX and XXXX I will like them removed
Over the past 11 years, while working at XXXX  XXXX XXXX, I have inquired with Mohela, my student loan servicer, about consolidating my FFEL loans into direct loans which would qualify me for public service loan forgiveness. I inquired several times over the course of the past 11 years and they have consistently made it very clear that it was an impossibility to consolidate my loans to direct loans because my loans are FFEL. I called Mohela yesterday just to see if they are still telling people this false information, and they did tell me I could not consolidate my direct loans to direct loans in order to gain public service forgiveness, which I 've recently found is false. After I told them I had spoken with XXXX XXXX XXXX XXXX, they then said they do n't make those types of decisions and they are sorry I 've been misinformed for all of these years.
We are currently in XXXX Court ( next court date XX/XX/XXXX we filed XX/XX/XXXX ) finalizing our payment plan for a chapter XXXX bankruptcy. During this time there is a stay in place and American Express who sued us last year ( before we filed ) went ahead on Friday XX/XX/XXXX and took our Tax Refund and other money from our bank account, every cent we had, money meant for our mortgage and property taxes, bills and groceries ... every cent {$2400.00}
I made a deposit from a bank account into my Coinbase account. On the confirmation screen ( before clicking submit ) it said specifically that my funds would be available within " 48 hours '' to withdraw. Therefore, I proceeded to submit.

After the funds were confirmed to be available in my Coinbase account ( the next day ), the Coinbase web site proceeded to tell me that my {$250.00} deposit would not be available for " 27 days. '' Not only are they freezing / holding my funds for no reason, but it's very different than the availability that I AGREED TO before clicking submit.

This is unacceptable to me. I reached out to Coinbase via support e-mail. They seem rather uncaring. I was told that it would be forwarded to a specialist and may or may not be resolved. It's been three days now. There is no follow-up and no resolution.

I am looking forward to having this resolved as soon as possible, as well as an apology from Coinbase.
XXXX has 2 company 's attempting to collect a debt and both are only sending itemized charges and ALL OF PRIVATE INFORMATION THAT WAS COMPLETED ON THE ALLEGED VISIT AND BOTH ARE REPORTING ON MY CREDIT AND ATTEMPTING TO COLLECT THE DEBT
I tried to access my account through my mobile bank app this morning at XXXX and I was n't not able to log in. I tried several times before I called the customer service # on the back of my card ( XXXX ) at XXXX. I was then told by the rep that my liquid account had been closed since XX/XX/XXXX and that I had a zero balance and it was because there was n't any activity on the account since XX/XX/2016. I informed her that I just set up direct deposit through my employer on XX/XX/XXXX and that I WAS NOT AWARE that they closed the account and asked her why did n't I receive and email or letter? The rep then told me that Chase does NOT notify you until 5-7 business days after that the account has been closed. I then went to branch location around XXXX to see if they could re-open my account so I could access the funds today and I was told that I would have to open a new account. The teller also confirmed that the funds were not pending but he was able to see that {$940.00} was suppose to be deposited. I then spoke to my employer who said that the funds are with Chase and that they have to release them back to the company in order for me to get paid. So I called the customer service # again with my employer and myself on the line and they told me that it would take 2-3 business days for me to have access to the funds if they were released back to the company or if I wanted to open another account with Chase and deposit the funds from my old acocunt to the new account. 
I 'm extremely frustrated due to the fact that I was NOT informed on XX/XX/XXXX or XX/XX/XXXX that the account was closed or would be closed for any reason. Had I not called, I would n't have known and that to me is highly unprofessional and shady.
2005 applied for a loan with XXXX XXXX. they stated it would be a 20 year loan and advised us to pay extra if we could each month. in XXXX. our loan was sold to SLS ( Specialized Loan Services ) at this time they went thru our loan with a fine tooth comb. they said we missed a payment to XXXX several months back. So to the point I wanted a print out from day 1 to now of all the payments they required from us, what went to interest and what went to principle. I have asked a dozen times for this and they refuse. there paper work shows a 14 year loan. I 'm XXXX I really do n't know what I did with the early paper work. all these years we have been paying extra each month, we borrowed {$100000.00} and now we owe {$91000.00}.
I recently received a mailing of a new agreement from Citi for my Citi Dividend account informing me of my right to request to opt out of arbitration. I mailed a notice to opt out to the designated Citi XXXX XXXX . Today I received XXXX envelopes from Citi. The letter from XXXX envelope states : " As you requested, effective immediately, your Citi Dividend account is no longer subject to the arbitration provision of your Card Agreement. '' The letter in the other envelope states : " Your Citi Dividend account is still subject to our arbitration provision because your account is n't eligible to opt out of the provision. '' Both letters show my name and address as well as the correct endings for XXXX card numbers.