WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is related to a previous complaint which was prematurely closed by Chase Mortgage ( CFPB # XXXX. ) Since the filing of the above referenced complaint, communication from Chase has completely stopped. After filing the previous complaint I was advised by XXXX XXXX in the Chase Executive office to submit a settlement offer to them and that is all they would need. XXXX XXXX sent me a XXXX envelope on or around XXXX/XXXX/15 and the settlement letter requested was returned to XXXX via XXXX two business days later and would have been received before XXXX/XXXX/15. XXXX XXXX contacted me to advise they had receive my settlement offer and that they now needed additional paperwork. I was told what additional information was needed. This additional information was sent to Chase via XXXX ( at my own expense after they said it would not be at my expense ) and was received by XXXX XXXX in the XXXX, Co. mailroom on XXXX/XXXX/15. Since receipt for this information by Chase there has been no one assigned to handle my case and no communication from Chase. I have attempted on several occasions to contact XXXX XXXX. I have never been able to get her to answer her phone and have left numerous voicemails, none of which have been returned. 
Chase sent a letter to the CFPB indicating that I had not submitted the requested information to them by their self imposed XXXX/XXXX/15 deadline and my case was therefore closed. First of all, Chase has blatantly misrepresented the facts of this case/complaint. They have all the information they have requested but no one from Chase has made any attempt to contact me. I initially contacted Chase in a good faith effort to attempt to settle this loan I am unable to pay before it goes into foreclosure. This issue has been ongoing now for approximately XXXX months and I would like for Chase to address this asap!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX REMOVE ID XXXX XXXX XXXX XXXX NOT MY ADDRESS!!! 
REMOVE XXXX XXXX NOT MY JOB. REMOVE BUSINESS ADDRESS XXXX XXXX CT NOTMY BUSINESS ADRESS DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID
Wells fargo applied a personal loan for me without my knowing, i was forced to sign a document not knowing what i signed for and not knowing what the document is. wells fargo pulled my credit and lower my score without my consent. the unethical practice is unbelievable and the bank should be a national shame. The application number i got in the mail is XXXX. the bankers and managers at XXXX, MD dont know what they are doing, practice unethical account openings, elderly abusive, and take advantage of poorly english speaking immigrants.
XXXX XXXX XXXX has been contacting me regarding an {$1600.00} XXXXXXXX XXXX bill that was settled XX/XX/2017 for the amount of {$1000.00}. The account was settled with XXXX XXXX XXXX now known as radius global solutions. I contacted both companies trying to get a receipt or proof of payment mailed to me I've been told that I will receive something in the mail. I've been waiting for over a year for the proof, the only proof I have is my bank stamen which shows the payment for the amount and the companies name and number. I took the stamen to XXXXXXXX XXXX and they told me that it wasn't enough. I also have my policy numbers so if its possible please help this has caused a negative impact on my credit.
Netspend I purchased 2 game system ONLY from XXXX for my grandsons who live an hour away from me as a XXXX gifts. On I purchased the full amount on my card the other a purchased a couple days later has to go to another store once they came in stock to buy one part cash and the remainder on my card I had charges for something with online purchases totaling {$240.00} for something that had to do with XXXX XXXX starting around XX/XX/XXXX but I didn't know it until my card was declined knowing that I still should have had money on the card. I checked the transactions as soon as I noticed it I disputed the charges. Supposedly it was escalated yet the last time I emailed there was no response I do not have a game system in my home being that I am a XXXX year old female and they don't live with me
Based on information and belief this is not my debt. I am a victim of ID Theft and informed this company of that twice. They are still reporting this false information on my files. I never received any notice from them concerning this debt
There is a Foreclosure & a Bankruptcy on my credit report. The foreclosure has not been foreclosed and probably never will because it is fraudulent. The Bankruptcy was caused as a result of the fraudulent foreclosure. I am consulting with attorneys to start a damage claim lawsuit against the mortgage co. I believe these items should be removed from my Credit File and Reports due to the fraud charge. These circumstances have caused a very negative impact on my credit and life.
Repeated call for a debt that is not mine. I have never had a Wells Fargo account of any kind. Calls continue, mostly hang up calls.
I am requesting assistance with XXXX XXXX regarding incorrect payment information on my credit report. The three XXXX XXXX Accounts I and requesting help in are were opened XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The payment information history for the accounts opened on XX/XX/XXXX and XX/XX/XXXX is incorrect. To start, both of these accounts were paid in full in XX/XX/XXXXwhich is reflected on the payment history for the XX/XX/XXXX account by being labeled as current, however for the XX/XX/XXXX account there is missing payment history. In addition, The XX/XX/XXXX account payment information for XX/XX/XXXX is reported as current, but for the XX/XX/XXXX account is reported as 90-119 days late. This is frustrating because both accounts had combined payments through XXXX XXXX. Also, how can the months of XX/XX/XXXX be 90 days late when the previous two months were reported as current. I have been trying to get assistance to XXXX XXXX about this problem since XX/XX/XXXX. I had first disputed with all three credit bureaus for years and their investigation comes back as correct. I have called XXXX XXXX and can not get a staff member in that dept. They take a message and I never get a call back. I have also mailed them written complaints and have never gotten a response Please help me with this situation. In addition, my perfect payment history since the opening of these accounts is not provided on any of my three credit reports. There should be at least 7 years of payment history. I only have 2 years listed for the 2 accounts I am requesting help with listed above. Thank you!.
The XXXX charges on my credit account has been paid in full, and have not been removed from my credit acct, which causes me to have a lower score than I should. Please look into this matter, as it hinders me from obtaining credit.
This is an ongoing issue with Equifax and  XXXX .  XXXX  has resolved the issue. On  XXXX   XXXX ,   XXXX  , I sent a letter to  XXXX   XXXX  requesting a Chain of Title proving that THEY OWN A DEBT of which they are entitled to collect and therefore allowed to report on my credit report. They sent back a letter, but were unable to furnish any documents that verified that are in fact, the actual debt owner. Since that time I have been fighting to get this account taken off of my credit report. If  XXXX   XXXX  can not prove that they have the proper documents showing that I owe them a debt, they ca n't possibly be able to add that to my credit report. Regardless of the information that they have on me - my name, my date of birth, my social security number, account numbers, etc. - they do not have proof that I owe them anything. Does this mean that as long as I have someone 's personal information, I am allowed to report on their credit claiming that they are not paying me a debt??? No, that would not be legal. It is not legal for  XXXX   XXXX  to report on my credit report if they ca n't prove that they own a debt of which I owe. I asked  XXXX   XXXX  to prove that what they are reporting on my credit report is truly a debt as to which they own a title that I owe, and they were unable to provide that. This tells me that they have nothing showing that they own this debt and therefore I do n't owe them anything and it ca n't be legally reported on my credit report. I have the name and information and social security number of several of my family members and employees. This does not mean that I can submit information through my company to Equifax or  XXXX  and state that they owe me money and ruin their credit and when they file a dispute as long as I can provide Equifax and  XXXX  with their personal information it will stand on their credit report? That is  EXACTLY  what is being done to me.  XXXX   XXXX  ca n't prove that they own a debt that I owe and therefore, they ca n't report it on my credit report. I have been told by Equifax and  XXXX  that  XXXX   XXXX  has provided them with my name, social security number, address - all of my personal information ... HOWEVER THEY HAVE NOT PROVIDED PROOF THAT THEY OWN A DEBT OF WHICH I OWE THEM. There has not been any paperwork that proves that  XXXX   XXXX  owes  XXXX   XXXX  a dime. How can this be reported on my credit report??? If a debt ca n't be proved you ca n't just add it to my credit report. Am I able to say that  XXXX   XXXX  owes me {$50000.00} and report that on his credit??? I have his name and his soc and all of his personal information, so if you asked to me verify that I could, but I just pulled that number out of the air. There is nothing anywhere that I have that proves he owes that. I have no documents signed that I can show you, but because I have his personal information, I can report that on his credit file? Is that what you are telling me??? No way!  XXXX   XXXX  needs to be removed from my credit report immediately. They have failed to show that I owe them any money and therefore ca n't be saying that I do on my credit report.
I noticed there were some accounts on all three of my credit reports that were not mine, so I mailed the credit bureaus the necessary paperwork and only Equifax did not remove these accounts.
I have had a personal loan with citibank now for several years of XXXX. I have made my monthly payments, ontime. I have tried to pay off my loan, 3 times, the first time I called and kept getting passed around and never got a resolve. Then I sent a check, and it got returned. The latest just this past week, my bank sent them a payment and citibank again rejected it and returned it. I have asked for a lower interest rate, they declined, I have tried to pay it off and they returned. They have me locked into this loan, paying their interest rate with no payment options other than paying hundreds interest. As a consumer, I should have options. I want to get out of this loan immediately, and I never want to hear from them again. Terrible bank!!! Don't bank or take a loan from citibank, they are faulty loans.
I purchased a vehicle from XXXX XXXX in XXXX. The dealership facilitating the financing with Wells Fargo Dealer Services. I have made several requests for the Credit Score Disclosure to be provided to me, to no avail.
On XX/XX/XXXX I sent a certified letter to NCC Business Services Inc. which was received on XX/XX/XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe since I never recalled establishing an account NCC Business Services or the creditor in question. NCC Business Services has failed to provide any means of validation. No chain of command, application, or contract, containing my signature has been provided on behalf of NCC Business Services which is required under the court of law. NCC Business Services is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Companies : Wells Fargo, XXXX, XXXX  Date : XX/XX/2018 Subject : Event ticket scam facilitated through XXXX Amount : < {$300.00} Problem Summary : Actions and Inactions which facilitated scammer protections I was a victim of an event ticket scam where I transferred money from my Wells Fargo account via XXXX  and the seller went dark as soon as the transaction was done. The sellers account was at XXXX. I called Wells Fargo and explained there was no fraud or mistake on the part of Wells Fargo in the sense that I knowingly transferred money through XXXX. I was surprised Wells Fargo credited my account - they explained that the money would be reversed if there was no " fraud '' ( or some such concept ). This was claim XXXX. I followed up several times, not so much for the money, but because I wanted the scammer to be stopped. Wells Fargo eventually closed the case and deducted the money from my account that they originally credited as they found no evidence of wrong on their part. Well, no kidding - alot of wasted time & frustration all around - While Wells Fargo had no obligation to make amends, the situation was what I explained at that first call. I pressed them for options on what to do and they said there were none. They did disclose to me that the name I specified on the transfer was *not* correct but obviously the email address was correct.

I didn't care about the money so much but wanted justice for the perpetrator.

I contacted XXXX through their support portal stating that this perpetrator was in violation of their end user agreement - that you would not use XXXX  for illegal means- but did not even get a courtesy of any reply.

Why is it that financial privacy laws are allowed to protect people that use their services for illegal activities such as this?
In XX/XX/XXXX, I submitted my Income Driven Repayment ( IDR ) renewal application with supporting documentation to Great Lakes. I received an email stating that it was received and would be processed within 20 days, or before the XX/XX/XXXX deadline. My loan was then transferred to myfedloans because I am eligible for public service loan forgiveness. Great Lakes did not process my application prior to transferring the loans. The deadline lapsed and I received notice on XX/XX/XXXX, that I would have to reapply for my IDR renewal. However, since the original deadline lapsed, the interest on my loan will now capitalize. 

This is the second year in a row that Great Lakes did not process my paperwork on time even though I sent in the information early. In XX/XX/XXXX, Great Lakes allowed the deadline to lapse without processing my paperwork even though I sent it in on time.
I pulled my Experian credit report and noticed they have 10 variations of my name and 9 of them are spelled incorrectly. They are listing 3 addresses and two of them are no longer deliverable by the United States  Postal Service. I sent a letter to have them update my information to show my correct name and address and to remove all other variations.

I received a response to go track down whoever is reporting these incorrect names & addresses. 
As a credit reporting agency they are suppose to validate that the information they are reporting is correct. If they are allowing someone to report on my credit report an incorrect name and address they are putting me at risk for identity fraud. 
The other credit reporting companies had no problem updating my information and removing all others. 
I am not going to chase down 13 different companies to find out who is reporting my information incorrectly. If they are receiving information for my credit file that does not have my correct information than that is not my debt. It is their responsibility to make sure its correct.

They should be updating my information to reflect what is true and correct so I can not be liable for a debt that is not mine, so I am protected from identity theft. As a credit reporting agency it is their duty to validate and make sure the information they are receiving is valid, verified, and make sure that it belongs to me. Not just take anyone 's word and post whatever someone reports to them. I want all my information updated, corrected and all other variations removed.

They are putting me at risk, they are hurting me and my credit report, they are allowing things to be reported that may not be mine if its not my information.

I have one name given at birth, I have one birth date, I have one address that is deliverable by the United States Postal Service. Please help me to get this fixed.
Hello, Recently I tried to set up automatic payments on my Chase charge card, but the online choices were only minimum payment or payment in full. It is obvious that the plan is to stretch out payments for the many people who take advantage of automatic payments, but do n't want to go online to make an additional payment every month. I believe this strategy unethical and must be changed. For example, XXXX gives the customer a choice of minimum payment plus an additional amount. 

In order to improve payment plans for consumers, payment choices must be more flexible, and beneficial for the consumer! 

Please fix this problem! 

XXXX
I am officially filing a complaint against Enova International , Inc. d/b/a XXXX. This corporation is a well disguised, predatory payday/installment loan company taking advantage of individuals in dire financial situations. Customers are lured in with the promise of consumers being able to get access to the credit they need. On their website, they claim that we believe everyone deserves access to credit. Yes, they believe this because they then profit on the disgustingly high interest rates they charge. 
XXXX claims they believe our customers come first. This is an outright lie. Enova International , Inc. d/b/a XXXX bottom-line comes first. Its profit margins come first. It has no care for customers or it would not charge the exorbitant interest rates it does.

On its website Enova International , Inc. d/b/a XXXX makes the claim that they are committed to 100 % customer satisfaction yet it has 62 complaints in the XXXX XXXX XXXX database with a 1 out of 5 star rating. The majority of these complaints were closed with the customer rejecting the response. A large number of the complaints center on the outrageous, greedy, predatory interest rates charged.

Enova International , Inc. d/b/a XXXX has 378 complaints filed against them in the Consumer Financial Protection Bureau complaint database. The majority of these complaints were closed with the customer rejecting the response. A large number of the complaints center on the outrageous, greedy, predatory interest rates charged. 
On XX/XX/2017, I took a loan from XXXX in the amount of {$1200.00}. To date I have made 11 payments at the payment amount of {$100.00} each for a total paid of {$1100.00} with a 12th payment yet to be applied by XXXX. Once this payment is applied, I will have paid {$1200.00}. XXXX states I still have twenty-four more payments of {$100.00} each to make. For a {$1200.00} loan, I will end up paying {$3700.00}!!!!!!! This equates to an interest rate of 316 %!!!!!! I will pay more than 3 times the amount borrowed. I will pay {$2500.00} in interestmore than double to amount of the loan ( 216 % )!! 
That is outrageous!!!! The XXXX XXXX XXXX, Federal Trade Commission and Consumer Financial Protection Bureau can not allow this business practice to continue. It is predatory, obscene greed!!! 
I will make my XXXX, XXXX, and XXXX payments of {$100.00}. Once those payments have been made, Enova International , Inc. d/b/a XXXX will have received {$1400.00} from me for the {$1200.00} I have borrowed. I will have paid {$270.00} in fees ( 23 % ) which is a much fairer amount. 
I am making this complaint to appeal to the XXXX XXXX XXXX, Federal Trade Commission and Consumer Financial Protection Bureau to do something about these lenders. It is simply inexcusable how they are allowed to operate. 
Once my XXXX payment clears, I want my account reported as Closed/Paid in Full/IN GOOD STANDING.

Enova International , Inc. d/b/a XXXX will dispute this complaint as it does with all complaints filed against them. Disputing the facts of the predatory, greedy business practices does not mean that they are not predatory and greedy. The numbers do not lie.
I called the XXXX XXXX section of XXXX to book a room regarding my free anniversary night ( see below ). 
They said they will not honor it now -would only do up to a category 4 hotel ( which does not cover the hotel I chose ) as the program changed. Discussed it with the representative and the supervisor. Says it can't be honored or changed. I earned this free stay, I received the certificate and they should honor it. They said that numerous emails went out the last few months regarding a merger with another hotel chain, but did not specify that our earned certificates would no longer be honored. I believe that if they change the program, then have the certs that were issued after the date ( apparently XX/XX/XXXX ) have the new requirements on it. 



Happy anniversary! One special benefit of your XXXX XXXX XXXX Credit Card is that you are entitled to a free night at a category 1-5 hotel anywhere in the world for your account anniversary. We thank you for your loyalty. Sign in to your Reward account today to see your free-night certificate XXXX XXXX XXXX. Sincerely, Rewards Credit Card Team Reward Details -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Description : PREMIER VISA XXXX CAT 1-5 HOTELS  Reward certificate number : XXXX Reward code : XXXX Valid at hotel categories : Categories 1-5 Valid for stays through : Thursday, XX/XX/XXXX Certificate deposit date : Tuesday, XX/XX/XXXX Reward Terms & Conditions Anniversary Free Night Stay E-Certificate is valid for hotels in categories 1-5. For participating category 1-5 locations, log on to XXXX or call XXXX. The E-Certificate must be redeemed within 6 months from date of issue. E-Certificates may not be transferred, extended beyond the expiration date, or re-credited for points. To qualify for the Anniversary Free Night Stay E-Certificate, your account must be open and not in default on your account anniversary date. XXXX is not responsible for offer fulfillment. 


Rewards Account Information -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --
SO this is ridiculous, because after filing over 15 complaints with XXXX XXXX, XXXX  and Experian, my credit was at XXXX score but when their faulty lack of due diligence caused the fraudulent inquiries and accounts to happen, the score dropped over 4 points and even more on my credit. Then I file complaints, wait over 4 months for the credit bureaus to get their act together, and remove the fraud inquiries and then my score only goes up ONE ( 1 ) XXXX point. That is totally unfair for each bureau to falsely report fraud in the first place and then have jurisdiction over scores and refuse to bring them back to where they were. That is incredibly damaging to my credit still and causing me to lose my chance to own a home. After these numerous complaints being taken so lightly, I am going to the news with this because the credit bureaus are causing too much negative impacts on people and have ruined my hard work.