WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is in regards to XXXX XXXX. This company has called me from the number XXXX a few times since obtainingy account with them. If I do not answer my personal phone they then called my work phone on XX/XX/XXXX they were advised verbally by our phone call not to contact my work phone number as I can not take personal calls at this number. They have called a couple of times prior to that on both phones but I do not have those dates unfortunately. On XX/XX/XXXX I received a call from XXXX from XXXX XXXX and I was not able to take this call but someone else did and took down a message from them. Not two minutes later I got a call on my work number after they were advised I can not take personal phone calls at that number. I let the gentleman on the line know again onXX/XX/XXXX around XXXX XXXX  not to contact my work phone number again and he ignored me and began talking about my balance owed. The gentleman on the line began raising his voice as I told him I can not pay anything currently nor can I commit to something at this time due to financial hardship and he said he was not there to hear about my burdens just there for business. They stated this was the last time they would call before they sent my account back for refusal to pay. My wife then took over the call and their supervisor got on the line and wanted to set up payments. My wife asked for a letter regarding the payment arrangements first and they did not want to do that and they said they simply did not want to send something out for a {$25.00} a month payment plan. So we advised him to send it back then because we want something in writing. He stated that something was sent in XX/XX/XXXX but we had not recieved it and he stated that we threw it away. They were demanding payment by the end of this month and that is something we could not do and would not without something in writing first and they would not provide it. Each time this company calls they yell and threaten that they have just today to get this resolved before it goes back to the original creditor. I spoke with the original creditor and they stated they are not expecting anything back regarding this account with them. Please get this resolved
" The story concerns the Pick-a-Pay loan program, one of the more toxic mortgage offerings during the housing bubble. These loans offered a variety of different initial payment options for borrowers to choose : a sum corresponding to a 15- or 30-year fixed rate loan, an interest-only payment, or a minimum payment that created negative amortization, where the principal balance would actually increase with each passing month.
Borrowers naturally trended toward choosing the lowest payment. But they were never told about the implications, and when the pay option expired, their monthly mortgage bill would skyrocket, usually leading to default.
These were not loans, but neutron bombs with a long fuse. And roughly half a million borrowers took these Pick-a-Pay loans under false pretenses from  XXXX - XXXX .   XXXX   XXXX   and its subsidiaries sold the loans, but when   XXXX   XXXX   bought  XXXX  at the end of  XXXX , they assumed responsibility for them.
Homeowners began to complain when the payments shot up, and law enforcement started investigating as well. Because Pick-a-Pay loans were designed to fail, and because  XXXX  never disclosed the consequences,   XXXX     XXXX   was liable for violations of multiple consumer fraud statutes. '' My Complaint : Even to this day your company allows   XXXX   XXXX   to continue to stand behind their predatory lending practices, but what they have not provided are a few facts about my case that I think they should know. I initiated litigation proceeding against   XXXX   XXXX   back in   XXXX   XXXX   when their predatory lending practices came to light. The home equity loan was an instrument of Wells Pick-A-Payment home loan, which was transferred in   XXXX   of  XXXX  under Account  XXXX  while litigation were still proceeding and without notifying me or my attorney of this critical piece of information. Critical, as the loan transfer released the primary home as collateral positioning Wells to continue there ruse of a home modification in the works while clearing away any foreclose obstructions. my home was then foreclosed on a short time latter as there was no modification being worked out, so you see you 're being duped just as I was and your now going on record as supporting loan that was identified by the Attorney General of multiple states as a predatory loan ... Congratulations!
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
In order to reinstate my mortgage I needed to pay {$9100.00} to Bank of America and I sent a bank check for {$7700.00} that was sent overnight express and they received it on Saturday XXXX/XXXX/2016 and my town sent the difference of {$1300.00} on XXXX/XXXX/2016 as a way to help us prevent foreclosure. I have called countless times to make sure the checks were not sent back. I found out today XXXX/XXXX/2016 that the bank certified check of {$7700.00} was sent back to me even though they noted the account and the account manager XXXX XXXX XXXX knew my intentions. I feel that the bank is deliberately sabotaging my mortgage so they can foreclose on my home. I have been in touch with they repeatedly so they knew what I was doing. In fact I faxed them a letter of my intentions as well. I feel at their mercy and under their control.
COMPLAINT AGAINST XXXX XXXX XXXX XXXX I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, XXXX and Trans Union respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.
In or about XXXX XXXX, the loan servicer for my XXXX loan changed from XXXX XXXX to XXXX XXXX. 

There was a delay of 2 months between when XXXX XXXX finished servicing my loan and when XXXX took over. XXXX charges fees for processing online payments using debit cards : 3.95 % plus {$1.00} for one-time online payment. The only way to avoid a fee is to pay by check or money order, which delays the processing of the payment and increases interest, or to set up recurring automatic payments. I get paid biweekly on different days of the month, and prefer to pay each month on a day when I know the deposit from my most recent paycheck will be available. 

The previous loan servicer ( XXXX XXXX ) did not charge fees for online payments at all. I am now paying extra if I wish to pay online, which adds to my debt burden.
Hello, I am concerned about XXXX accounts which I have been disputing for several months now. They are appearing on my Experian report and have not had any activity since XXXX of 2008 and Experian has continued to keep reporting it after I have asked them to delete them from my file as they are not allowed to report past 7 years of the date of the last activity. The accounts are listed as 1 ) XXXX XXXX Bank # XXXX ... .... and 2 ) XXXX XXXX ... .. Both of these accounts received their last payments in the middle of 2008. That is when I defaulted after I lost my job. I have never made a payment or had any activity since about XXXX of 2008. These accounts are very old and I hope that they will just delete them already. I have fought them over and over again on the accuracy of these dates and the furnishers can not help me, they say, because they can not pull any records. So how did Experian verify these dates? They need to know that it is no right to report items past the statue of limitation, which I was told by XXXX & XXXX that that is 7 years. Please, can you ask Experian to investigate these again or delete them? I need to start my life over again already and this is holding me back and making me very very depressed. 


ALSO. May I add that there is an account on my credit report which is not mine. It is under XXXX XXXX XXXX. I have never held a loan or an account with this company and the terms and payment history make no sense and are not accurate. I had asked my student loan to be transferred to the XXXX XXXX XXXX department not the XXXX XXXX XXXX department. This is a very negative mistake on my credit report. Can you please remove this account as well. This will help make my credit report completely accurate. Thank you so very much. I have disputed that account as well and have not had any verifications or validations. I have also asked about details and have not received any.
I disputed these unauthorized inquiries months ago, however, the credit agencies investigation came back verified. Now I'm requesting the Method Of Verification, who verified these inquiries, and I'm requesting the physical documentation of verification or as stated in the FCRA, if not then these following inquires shall be blocked/ removed. 

1 ) XXXX  ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX  ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX/XXXX  ( XX/XX/XXXX ) 8 ) XXXX XXXX   ( XX/XX/XXXX ) ( XX/XX/XXXX ) 9 ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) 10 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX 13 ) XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/XXXX ) 15 ) XXXX XXXX ( XX/XX/XXXX ) 16 ) XXXX  ( XX/XX/XXXX ) 17 ) XXXX XXXX ( XX/XX/XXXX ) 18 ) XXXX XXXX ( XX/XX/XXXX ) 19 ) XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) 20 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 21 ) XXXX XXXX ( XX/XX/XXXX ) 22 ) XXXX XXXX ( XX/XX/XXXX )
My address is XXXX XXXX XXXX, XXXX, FL XXXX. I have had the same address sinceXX/XX/2004, that is, FOURTEEN YEARS. Experian continues to put the wrong address on my credit report. 
I have filed three complaints with this company asking them to correct my address. The Experian company has instructed me to send a copy of my driver 's license and utility bill, which I have done, three times. The address remains incorrect. 
I have never ever lived at any of the three addresses that Experian is listing on my credit report. 
This incorrect information is continuing to cause me problems. 
Please get Experian to purge the three incorrect addresses once and for all and to put in my correct address. Experian already has three copies of my driver 's license, from the three previous times when I  have tried to get this corrected.
A computer glitch in TransUnion 's system deleted my inquiries. TransUnion later added the inquiries back to my credit report illegally without giving me the proper 5 day prior notice of the inquiries being re added. I contacted TransUnion in XX/XX/XXXX regarding the issue, in good faith, asking them to remove the inquiries that were illegally re-added. I was told that the inquiries were applied to my credit report because businesses ran my social and it could not be re-removed. I know my rights were violated by TransUnion and it has caused a hardship. I would like for CFPB to help me stop TransUnion from victimizing me.
I seem to keep having a problem with XXXX  with these Hard Inquiries that remain on my Credit Report that I have no clue why they are there because they where not done on my behalf.

1. XXXX XXXX ( XX/XX/XXXX ) Not Mine 2. XXXX XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ) These are not mine
I tried Disputing over 3 times ... Account came back Verified But Nothing Else!! No Agreement or Contract that I Agreed too. No Signature or Anything!!!! Im Asking to Please Delete Immediately!!!! This Collection is Messing up my Credit Badly ... I thought they had to Prove to me which they Have Not Done so what so ever.. Please Delete they have Yet to send in Any Paperwork just Verified
I decided to get a car XXXX and they had suggestedfinance options. I entered my information online after checking and confir-ming with them that they will let me know before sending my informationto the financial institution. they sent my information to XXXX financial instit-utions without my consent. I have unnecessarily been hit with XXXX hardinquiries. I ended up taking an auto loan from a company I previouslyfinanced my old car from. I am attaching the matter on my creditapplication, where it clearly mentions that I will be informed about the financial institution, XXXX will be sending my application too. 
When submitting my credit application, I was told there would be onlyone inquiry and in the terms and conditions it was said I would beinformed of the financial institutions they would be sending my informationfor my credit to be run. Attached is the document which states the termsfor which I have given my consent. You can find it on the XXXX website when you apply for a car loan. I would like to have thesesXXXX hard inquiries removed from my credit report at the earliest. 
The XXXX financial institutions are :1. XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank, XXXX, OHThank You
I contacted XXXX who refused giving me assistance about an unauthorized  inquiry on my report and even after getting on the line with a representative of the company who gave his name and ID and all of his personal info. she still didn't take care of it and gave me a hard time
I am not sure if this is the correct forum to file this complaint, but I was told by my mortgage agent this would be a place to start at. My wife and I purchased a foreclosure home, from Huntington Bank, in XXXX, Ohio. We made an offer on XXXX XXXX, XXXX, and agreed to terms on XXXX XXXX, XXXX. Upon entering contract we were told we needed to have financing in place, and an inspection done by XXXX XXXX, XXXX. We obtained our mortgage commitment letter XXXX XXXX, XXXX, and were told we would be clear to close as soon as an appraisal was carried out. All that was needed was for the home to be dewinterized, and utilities to be restored. However the bank failed to notify us that the company in charge of this task was not acting on its responsibilities. As a result we listed our home for sale, and it sold within XXXX hours. We were lead to believe that the transaction was going as scheduled, and proceeded with the sale of our home. XXXX we tried to schedule inspections, prior to the appraisal, but they were delayed due to the lack of utilities, which we were told would be turned on within a week ( as of XXXX XXXX, XXXX ). However delays started to mount up, and by XXXX XXXX, XXXX, we were still waiting for the appraisal, with a closing date of XXXX XXXX, XXXX set on our current home and no way to delay the closing. On that sate I found out that none of the utilities had been turned on, and a new company would be brought in to rectify the issues. It was n't until I called the utility companies, on XXXX XXXX, XXXX, that I found that the bank had been delaying the turn on of utilities, and as a result delaying the appraisal and our closing. I was able to get the utilities turned on by XXXX XXXX, had the appraisal completed, and was told by my mortgage company ( as well as Huntington Bank ) that we would be able to close on XXXX XXXX, XXXX, once the documents were received. However Huntington Bank called on XXXX XXXX, at XXXX pm ( XXXX minutes before their title agency closed ) to cancel our closing ; leaving my wife, myself, and our XXXX animals homeless. We were not able to close until the following Wednesday ( XXXX XXXX, XXXX ) at XXXX XXXX. During this time I was unable to work, we had to board our animals, and we lost a number of deposits and food in the process. We feel it is absolutely outrageous that the bank was able to delay our closing, with little or no notice, while being in breach of a contract they insisted on.
I went to a first time home program seminar and they told me that I couldnt sign up because of my credit. I got a copy from the annual report and there are alot of items on my credit that is not mine. Please remove so I can co sign for my son a car. N/A ( Acct # XXXX XXXX ), XXXX XXXX.XXXX  XXXX/XXXX-XXXX, XXXX, XXXX, XXXX XXXX XXXX. I also saw where my credit was ran several times and I went through it and these inquiries are not mine. I dont run my credit like that : XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.XXXX XXXX XXXX XXXX XXXX/XXXX.XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX.XXXX  XXXX XXXX XXXX   XXXX.XXXX. I have contacted the police and the people at FTC. I'm doing this on my own and need help.
Tried to open  a CD acc ount at Discover Bank. Just want to transfer money from a Discover B ank Savings a cct. Spent time on line filling out application. At the end of the application process, was notified to call a service representative to fin alize the opening of the account. Called the representative and was on the phone for 15+ minutes with 10 minutes hold while they investigagted. Meanwhile I received an email stating the application was not accepted. I brought this to the attention of the respresentive who put me on hold for another 4 minutes and then came back and said I have to start the process all over again. When I ask ed why, there was no reason. I fillled out all the paperwork to the best of my ability. It was a mere transfer of funding from an internal account. I called to complain and find out why. No one could answer. My time is valuable, too.
On Friday,  XXXX   XXXX ,  2017 , at approximately  XXXX , Navient extorted money from me in order to process a forbearance.  XXXX   XXXX   XXXX , a supervisor with Navient 's collection department, stated that if the fee was not paid that the loan would default at close of buisness on  XXXX   XXXX ,  2017 , and, if that happened the loan would be turned over to a law firm for collections. I explained that I could n't afford the fee at this time and I was told my only option was to pay or default. I was forced to pay this fee by threat of future litigation and the embarrassment that comes with that ordeal.
XX/XX/2016 CFPB : JPMChase charged me {$18.00} per month for having Chase Accounts, when I was paying money from those Chase Accounts to Chase, as my US Bankruptcy Court Plan, regarding my Chase LIBOR-Indexed ARM Loan. JPMChase violated US Bankruptcy Court Policies by charging me the {$18.00} per month and overcharging me LIBOR, through the LIBOR Overcharge Conspiracy of JPMChase with XXXX and the XXXX. 
I demand that JPMChase remove all Credit Bureau Information detrimental to me, refund all its fees ever charged me and issue me Release from Mortgage. 

XXXX, IL XXXX