WillisBack/dataset-financial-user-claim huggingface dataset:
on XX/XX/XXXX i advised Wells Fargo who is servicer of my XXXX XXXX Harp loan for the federally mandated federal disaster declaration deferment on my loan and made a CFPB complaint which has never actually been answered and they have refused to grant it in violation of federal law. they have also been granted repeated extensions by you and never actually spelled out how a XXXX XXXX HARP refi does not qualify for the federal disaster deferment. Today they sent me a statememt reflecting a late payment charge of {$22.00}. You should also note i made both my XX/XX/XXXX and XX/XX/XXXX payments in XX/XX/XXXX and they refused to process the extra odd dollars in the payment. Rather than actually have a XXXX   i sent them the {$1500.00} XX/XX/XXXX and XX/XX/XXXX payments on the XX/XX/XXXX. they have also missed the 30 day deadline for providing all of the information i requested via certified mail on XX/XX/XXXX. said legal request is attached to this complaint. please shut these crooks down and send them to jail
the company Campus Partners services private student loans for a number of universities, including XXXX University. They arbitrarily instituted a {$0.00} fee on all payments made with checking accounts directly ( as opposed to autopay ). Because no warning was given, all payments made this month are subject to a fee ( unless the payment is mailed in ). They acknowledge they gave no advance notification either. By this method they are blatantly taking thousands of extra dollars of expense unfairly.
When i had XXXX in XXXX of 2013 i was told that the Care Credit loan was interest free for the life of the loan NOT that it was for a promotional period. the loan changed over without warning and they tacked the interest on the back end of the loan. I want to pay what the balance would have been at the point of turnover. but i will NOT pay the interest. I feel this was a " bait and switch '' deal on the part of Care Credit.
I have disputed with Equifax to no avail and they will not remove the accounts from my report. I have even sent my police report and also a letter from XXXX XXXX for removal of account. I am requesting them to remove XXXX XXXX and XXXX XXXX from my account
Account was paid in full in XXXX. I contacted collection company on XXXX/XXXX/XXXX and was informed that they recently inquired Pinnacle collection and after reviewing their files they agrred to close account as paid in full and to report to XXXX that account should not have been reported as open balance due.
I send a dispute stating I want documented proof of how they verified information and they sent nothing. They send information on what they can do instead of following the consumer law, which would require them to send information on how they are able to report items on a credit report.
I happened to notice a collection on my credit report by CREDIT SYSTEMS. 
I then wrote the company a validation letter and sent it on XX/XX/2019 by certified mail with return receipt. 
It was recieved on XX/XX/2019. 
I have not yet received a response from this company verifying this collection of debt.
I submitted an application to revise my payment plan from IDR to PAYE/ REPAYE on XX/XX/XXXX. My IDR payment amount was about {$540.00}. I had NO choice but to allow my account to go into forbearance to permit this.
At the beginning of XX/XX/XXXX when I got updated information, I spoke with a customer service rep which told me I had no choice but to pay a forbearance amount that would NOT count towards my PSLF. If I paid, I would have my new repayment amount for XX/XX/XXXX. The amount wouldnt be direct debit, so Id have to pay manually. I signed in and paid {$540.00} on XX/XX/XXXX. It was due XX/XX/XXXX.
At the end of XX/XX/XXXX around the XXXX or XXXX, I called FedLoan again to ask when I would know my new repayment amount and roughly the amount. They told me about {$470.00} and I should know within 2 weeks.
This morning I received an email for payment. I signed in expecting to see my new repayment amount, but instead I see they are charging me {$970.00}. Panicked, I called to find out if there was some error that they would easily fix.
I was told they couldnt process my new plan in time, so I now have 2 choices : choose forbeance and delay my PSLF by yet another month, or pay {$970.00}. My new repayment plan will probably start in XX/XX/XXXX.
I asked why its done this way each time Ive called. Each time Im told this is the way the federal government chooses to do it. This is extremely discouraging. I opted to change my repayment plan to help improve my situation. If Id known it required essentially delaying my PSLF by 2 months and mountains of stress, I probably wouldnt have done it. This process is disheartening and demoralizing.
Experian refused to honor my request to delete the fraudulent information after I supplied all of the documents that they required. Experian XXXX XXXX XXXX XXXX-PLEASE DELETE XXXX XXXX XXXXPLEASE DELETE XXXX XXXX XXXX-PLEASE DELETE XXXX XXXX XXXX XXXXPLEASE DELETE XXXX XXXX XXXXXXXX-PLEASE DELETE XXXX XXXX  XXXXPLEASE DELETE XXXX XXXX XXXX-PLEASE DELETE XXXX XXXX XXXX XXXX-PLEASE DELETE XXXX XXXX XXXX-PLEASE DELETE XXXX XXXX XXXX XXXXPLEASE DELETE XXXX XXXX XXXXPLEASE DELETE XXXX XXXX-PLEASE DELETE XXXX XXXXPLEASE DELETE XXXX XXXX PLEASE DELETE XXXX XXXX XXXX XXXX XXXXPLEASE DELETE XXXX XXXX XXXX-XXXX-PLEASE DELETE XXXX XXXX XXXX-PLEASE DELETE
The accounts and the balance reflected on the accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation. Please remove the following accounts XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX
I mailed a letter requesting validation of a debt that is listed on my credit report by Midland Funding, LLC ( attached ). The letter was sent by certified mail and the return receipt indicates that it was accepted for delivery on XX/XX/XXXX ( attached ). I specifically requested they cease and desist from contacting anyone except for me, and to only contact me in writing at my current address included in the letter. On XX/XX/XXXX, XXXX XXXX XXXX, XXXX, Attorneys at Law mailed a collection letter to an address that I have not resided at in several years. In the collection letter ( attached ), XXXX XXXX XXXX claim to have retained Midland Funding to collect the account for which I requested validation.
For many years I had the same interes but the last two years Wells Fargo elevated the interests and my payment depends on going down is it rises, as well the years of duration of the loan.
My wife and I filled chapter XXXX bankruptcy almost 7 years ago however we did n't file on morgage with XXXX who house is financed with. We keep house and keep up to date. It was in bankruptcy as not included and there was no dispute in court about no filling and keeping house. We have since also done a new loan modification as well however ever since bankruptcy the mortgage with XXXX will show up as a closed paid account or included and closed for bankruptcy. Different credit reports show different things or nothing at all. We habe asked lender to fix this several times and also filled many disputes with 3 major credit reporting companies and it never gets fixed or updated. Due to this we are unable to refinance house and get a equity loan. We need both my wife 's and mine credit reports fixed since mortgage was exempt on bankruptcy and also a new loan was done. This is affecting our credit and life.
Midwest Recovery Systems have placed a collections account on my credit report. I have never had an account with them and I do n't know what this collection is for. I 've never receive any information regarding this account and would like for it to be removed from my credit report.
My XXXXXXXX XXXX XXXX was used without my authorization and consent as a result of identity theft, It is effecting my XXXX XXXX score as it is reporting usage of {$430.00} on a limit of {$500.00}, none of which I used. I want XXXX to report my card as paid in full today to XXXX.
I purchased a CD in the amount of {$10000.00} through XXXX XXXX, who was later acquired by JP Morgan Chase Bank. All my accounts checking and savings, were successfully transferred over in this merger except for the CD. Upon my reretirement I inquired to XXXX about my CD twice and was told by times that they did n't know what happened to it. See attached letter, which is a copy of what I sent to XXXX XXXX XXXX for additional information.
This loan is a predatory loan in which I am paying. I signed a contract to purchase a XXXX XXXX XXXX at XXXX on XXXX XXXX. The interest rate on this loan is 17.95 %. The car is now only worth {$6300.00} at trade in value. My pay off at the moment is {$15000.00} after 2 years. The loan company named Consumer Portfolio Services is charging me 3 times over what the car is worth. I feel I was scammed into this loan and I have no way of trading the vehicle in with the large negative equity I have with this car.
I switched cell phone companies from XXXX to XXXX and they told me that if I switch they would pay off what ever I owe to XXXX. I'm not sure if this agreement was fulfilled by XXXX. I have not received any notifications from XXXX stating that this wasn't paid and they didn't tell me that this was going against my credit. Now I have a derogatory mark on my credit XXXX   {$640.00} profile because of this problem. My XXXX report is showing no Derogatory Marks.
I had my mortgage on auto pay from my bank. I had over XXXX in accounts there and when my checking account does not have enough funds, it automatically pulls from my savings account. However, last month they decided they would not do that for reasons they can not explain.
Public tax liens that have been investigated and deemed resolved and released, still remain on my credit reports for all XXXX agencies. XXXX for XXXX for the State of Maryland ( paid ) and another for XXXX for the state of Maryland ( Deemed inaccurate ) released XXXX months ago.
On XXXX XXXX XXXX, I attempted to withdraw money from my checking account at an ATM while I was out of town on vacation. The ATM rejected the transaction due to " Invalid PIN. '' I was concerned by this as I had not changed my PIN, and I was, as I still am, sure that it was being used correctly. I quickly looked into my banking records and did not see any suspicious activity or anything else to make me feel concern about the account status. <P/>I called Wells Fargo phone banking. As part of the identification process, the PIN is required. I was again notified of an invalid PIN. I spoke with a banker to inquire as to when my PIN was last changed or any other information that might help resolve the situation. This information was not available and the phone representative was unable to do anything to help me gain access to my accounts thru an ATM other than requesting a new PIN be mailed to my home address. This was not a timely solution. As a result of my inability to access my funds at an ATM, I used a cash advance service, which charged fees in excess of what I would have paid at an ATM, so I could access my funds in a timely manner. <P/>Once I returned to my home, I visited the my branch location on XXXX XXXX XXXX. I first visited the branch ATM where I was able to access my accounts and make a withdrawal with no issues using the same PIN as the day before. I then spoke to a banker about my concerns and what had happened. She asked me to swipe my ATM card at her station ( desk ) and validate my PIN ; her system notified that an invalid PIN had been entered. ( Please note that the same PIN has been used in all instances referenced here. ) After a number of conversations with different people in the branch and on the phone, the representative and Wells Fargo were thoroughly confused as to what had happened and why my PIN would be accepted in one instance but not another. The best they could tell me is that is was some kind of system glitch occurring and that I would need to reprogram my PIN in order to correct it for future use. <P/>I requested that the excessive fees that I was charged as a result of not being able to access my account at an ATM be refunded as these charges were a result of Wells Fargo " system glitches '' and would not have been incurred had I been able to access my accounts without issue. The total fees incurred as a result of these glitches is {$88.00}. <P/>The branch manager on duty ( XXXX XXXX ) refused to reimburse for these charged fees. In doing so, he cited that the fees originated at a casino and although the Wells Fargo system did not work as it should have, he was unwilling to assist because of what the funds were likely to be used to do based on the location of the withdrawal.
My Citibank credit card is being reported inaccurately by the fact that each bureau is reporting different dates for the late payments also account name does not match on each bureau.
I have filed a complaint with the bank because of suspected fraud on my account and several charges that I did not authorize. The institution has since put a freeze on my account and refuses to provide me with any information. I recently paid my auto insurance from the account where there was a balance to cover the transaction and the bank returned the payment. Their reasoning is that the funds are being held due to the investigation. The rep who I am asked to contact is never in the call center and they keep the same business hours as I do and I have to work. 

How can your complaint be satisfactorily addressed? 
The funds need to be released on my account as they are being unjustly held and have now caused me hundreds of dollars in fees because of the returned transaction.
The recent Equifax hack exposed my personal information to hackers for over 2 months. My wife and I are in the underwriting process for our first home RIGHT NOW. This is absolutely unacceptable. I 'm a XXXX XXXX and work on web-facing applications by trade, this sort of security breach is beyond the pale and wholly avoidable.
Dear CFPB, I have received a response from XXXX concerning XXXX inquiries on my credit file. As per their response, XXXX XXXX, 2015, there should be only XXXX inquiries as per their records show. The CRA 's are reporting false information that is hurting my creditworthiness.
AMERICAN MEDICAL COLL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Amount of {$150.00} is being reported. 

I have contacted them because my supplies were sent to an old address. I changed my address with them years ago and they still sent them to the wrong address. I should n't be paying for something I did not get and was sent to another address, when I called then to change the address.
I have 3 Delta American Express cards. I received a bill for an annual fee on one of the 3 ( the business account ), and called to cancel the card. They cancelled the card, but said they still had to charge me the XXXX dollar feel because I did n't call within 30 days of receiving the bill. I explained that I am very busy, that it was on my to do list, and I did n't get to it, until the time of the phone call. ( Aproximately 2-3 months ) after receiving the bill. They said they expected payment. Since then, the account has been closed but I get monthly bill for XXXX dollars for a service I have not used. I believe this is poor business practices, especially in light of the fact that I have 2 other cards with them and am a loyal customer.
On  XXXX   XXXX ,   XXXX   I was contacted b y Arvest Bank Group that they wanted to request a copy of my credit report for employm ent prior to an interview or employment offer. I informed  XXXX   XXXX  that I was not authorizing this and to remove my resume form the potential contenders for employment.     On  XXXX   XXXX    XXXX   my credit was requested b y Arvest Bank Group  against my consent.
It came to my attention that XXXX XXXX XXXX reported in my credit report that I owed them {$330.00} with account # XXXX as of XXXX/XXXX/XXXX. I do not owe and have no knowledge and any contract with XXXX exist.
Experian XXXX response XXXX XX/XX/XXXX copy from XXXX XXXX XXXX  copy attach as proof. Payments was paid paid in advance 2 months from purchase of car in which Experian did not record and Experian was late recording the payments as they was prepaid in months in advance. Experian Report # XXXX for XX/XX/XXXX shows payments on page 7 of XXXX XXXX XXXX not showing as paid as the letter dated by XXXX XXXX XXXX  XX/XX/XXXX as showing pay ahead. Experian needs to learn not blame it on the creditor as fault blame Experian for incorrect information showing that was there error in which was not reported correct and effected my credit score.
I contacted Equifax to fix a hard inquiry on my credit report from XXXX. Equifax responded on XX/XX/2018 stating nothing more that it was accurate. I never consented to XXXX accessing my credit report and they never asked. When is Equifax going to take full responsibility and start doing their job instead of just sending a bogus letter stating that they see the inquiry was made and it must be correct because XXXX   submitted it. That is ridiculous. Credit agencies should be penalized if they don't investigate or take the wrong information and delete it. Equifax directs me to contact XXXX  for details. Well if I needed to contact XXXX I would have done so but I asked Equifax to do their job but it seems they don't care and just slide the work to the customer or someone else.
chase bank sends individuals over to my house every month with a letter stating its personal and confidential. The person who came to my home on XXXX XXXX, 2016 between the ours of XXXX and XXXX did not keep it person al and confidential. The man who walked up to me in my driveway in front of friends and family members asked if I was familiar with chase bank and I stated yes, he told me he had been to my home many times, I tried to get the letter he had for me since I was familiar with the routine, he told me to " wait, wait, hold on, '' he again stated that he had been to my home many times and I just wanted him to give me my letter to avoid further embarrassment. He took his time as I took the letter from his had and walked away and got into my vehicle and he sat in his car blocking my driveway taking pictures of my home as he sat in his car blocking my driveway, I got off my car and asked him to move out of the way. The people at my home told me he remained outside the home taking pictures after I left. This is a form of harassment and not assistance as the letter he delivers stated. I did email chase 's executive offices and asked that they stop harassing me any further and keep this man away from me. They initially tried to deny it was them who sent him but I explained he did had a clipboard with all my information on it and their name CHASE BANK on his paperwork as well as on the letter he delivered. XXXX with chase bank executive offices stated she would look into it.
I had private loans with SallieMae when I graduated college in XXXX. I started payments soon after. The Public Service Loan Forgiveness program started in XXXX and I thought I was the perfect candidate. I worked for XXXXXXXX XXXX XXXX for at least five years while paying off my loans, then moved to XXXX XXXX and started working for a XXXXXXXX XXXX XXXX XXXX. I thought I was well on my way to having my loans forgiven. I called SallieMae to find out what I needed to do. They told me that I needed to get onto one of  their income based repayment plans and I would be doing everything necessary for the Public Loan Forgiveness plan. The thing they didn't tell me was that your loans had to be Federal loans to take advantage of this program at all. At the time, in XXXX, there wasn't any information online for me to read that would let me figure this out myself. What incentive did SallieMae have to let me leave their company? It took until much more recently, I don't remember exactly when it was, but I removed my loans from SallieMae and re-consolidated them ( took on more interest ) with XXXX. I now have something like 20-30 payments toward public loan forgiveness. I should have been done with this program by now. I've been paying Income Based repayments since XXXX, that's almost 12 years worth of payments, and I barely have a few years worth from XXXX  XXXX.
Bought a XXXX from XXXX which they, I, financed through XXXX XXXX. It was a installment sales contract. But on all XXXX credit reports it is listed as a revolving account and an installment sales contract. XXXX is the only one that lists it a installment sales contract. The other XXXX companies and hy cite refuse to alter the info because it is listed as a positive account, paid in full and never late. An installment sales contract would make it a mixed credit report and would raise my score from C to an B. When applying for a loan it was XXXX of the reasons listed for denying the loan. Also XXXX a utility company should be listed as a sales, as I pay month to month and not under contact. If I had bought a car or boat this is where it would be located under sale account.
I received an offer from Wells Fargo Bank for a {$500.00} bonus for opening a checking account. I opened the checking account on XX/XX/XXXX. I opened the account at the Main Branch in XXXX TN. 

The requirements were to deposit {$2000.00} within 60 days of opening the account. I had deposited over {$2000.00} by XX/XX/XXXX. 

On XX/XX/XXXX, I called customer service to inquire about the bonus. I spoke with XXXX. He informed me to visit the branch I opened the account with. On XX/XX/XXXX, I went into the branch and spoke with XXXX. She informed me that the promo code was not applied to my account and would be credited by XX/XX/XXXX. I waited until XX/XX/XXXX, and when I inquired about the bonus I was told that there was a system error and it would be resolved by XX/XX/XXXX. On XX/XX/XXXX, I inquired and I was told the money would be credited to my account by XX/XX/XXXX. 


It is now XX/XX/XXXX and I have not received any credit. Wells Fargo acknowledges I am entitled to the bonus, but they keep delaying it further and further. When I inquired about it today, I was told to wait until XX/XX/XXXX.
I often times pay this credit card ahead of time and I have never been delinquent. I paid them {$1000.00} ahead of time to cover expenses while I was going to be away from home closing an apartment in XXXX  that I needed while I was receiving medical care but was finished with treatments. The company received my payment but in only 10 days turned around and sent my payment back to me and I thought my bills were paid. I am an elder with no help at all and I knew my time would be very full packing, putting everything in storage and returning to XXXX and believed my bills during the time were covered but Capitol One turned me in for no payment when that was not true! That dropped my credit score a huge  amount and I need my credit restored. I called and changed my address and they said they had my XXXX  address but I never received a bill and my address was never corrected. I am an elder and I am not accustomed to checking my bills online, I do want paper bills since they must be turned in for accounting. I have been a very long term customer but now I DO NOT trust Capitol One, I have been an excellent customer and I am not late on my payments but Capitol One sabotaged me. I need this rectified and I can't afford for them to punish me for paying ahead of time.
I have requested that the credit reporting agency validate the following information more than 5 months ago with no response. 
XXXX XXXX XXXX I XX/XX/XXXX {$1000.00} XXXX XXXX XXXX I XX/XX/XXXX {$1100.00} XXXX XXXX XXXX I XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$34.00}
On XX/XX/2018 a cashier check in the amount of XXXX and notorized contract and rules written on check was sent to Consumer Collection Management via certified mail. On XX/XX/2018 the collection company signed for mail. On XX/XX/2018 Cashier check was cashed via bank contract violated not abided by because debt remains on XXXX credit report as of today XX/XX/18.