WillisBack/dataset-financial-user-claim huggingface dataset:
Per CFPB - The proposed judgment against the XXXX XXXX XXXX XXXX XXXX has been filed with the U.S. District Court for the District of Delaware, and it is effective only if approved by the presiding judge. The consent order is effective immediately. 

Under the Dodd-Frank Act, the Bureau has the authority to take action against institutions or individuals engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws. Under the terms of the proposed final judgment and consent order, the Bureau is requiring the companies to : Stop filing collections lawsuits on debt that can no longer legally be sued over : Statutes of limitation limit the amount of time an individual or company can go after someone in court for a debt that is allegedly owed. Under the terms of the proposed final judgment and the consent order, the companies are prohibited from tying consumers up in litigation after the expiration of the applicable statute of limitations. 
Stop attempting to collect, reporting negative credit information, and suing consumers for debt without proper documentation : Under the terms of the proposed final judgment and the consent order, the companies are prohibited not only from suing without documentation, but also from collecting and reporting negative credit information without documentation. 

XXXX XXXX XXXX XXXX XXXX continues to pursue and collect debt by filing a civil lawsuit with the Superior court of the state of Arizona - Through the XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 

Per court documents, all collection attempts should ceases until a 100 % audit of all cases are completed. 

I am currently continue to be served papers for court proceedings for case No. XXXX
I cosigned a student loan in the amount of XXXX in XXXX for my adult son XXXX XXXX .He was attending the University XXXX XXXX as a graduate student at that time. My son requested me to sign for one loan. He signed for 2 additional loans of XXXX and XXXX. These loans were fraudulently signed in my name. My son XXXX XXXX obtained these loans by placing my name on them without my consent. I have contacted Navient and they refuse to release me as a cosigner from these loans. I am permanently XXXX noted by Social Security since XXXX of XXXX. I filed bankruptcy in XXXX until XXXX. We completed a Chapter XXXX Bankruptcy plan including my spouse. Navient contacted me in XXXX of XXXX and I stated to them I have been XXXX and not able to work since XXXX of XXXX. Navient sent me papers to request for my loan to be discharged. I fill out the papers and requested several doctors to fill out the details of my XXXX so that Navient could release me from the obligations of the student loan that I cosigned with my son. Now I am being harassed everyday by Navient via, email or phone. Navient contacted a neighbor to try and harass me on XXXX/XXXX/XXXX. Navient refuse to accept my letters stating I am unable to work due to my multiple XXXX. I agree that Navient needs to be paid by my son. He borrowed their money and used it for his educational purposes. I never physically signed a contract with Navient. I never cashed a check that was sent for any loans from Navient. I have sent my son a letter from Navients website to sign to release me as a cosigner. This company refuses to honor federal standards for students loans. I have wrote my local federal representative regarding Navient practices.
I have an account with Synchrony bank/JCP that was CLOSED and DISCHARGED through bankruptcy since XX/XX/2011.. I tried to contact Synchrony bank twice via letter to remove it from my credit report since it was already discharged but they refused to remove it.
Earlier this year I was added as an authorized user on my familys Citibank Credit card and the report still hasn't shown up on the XXXX  report after nearly 8months
On Sunday, XX/XX/2016 at XXXX EST, I contacted Wells Fargo at XXXX to inquire about opening a personal loan for the purposes of debt consolidation. The personal banker steered me toward a personal line of credit because I told her upfront that I am based in XXXX, PA and that I can not go to a local branch in order to sign documents. During the same call, I was immediately approved for a {$13000.00} line of credit and all of my requirements were fulfilled for the application. When I asked her when I could access the funds, she said I would have online access to the credit in order to transfer money and pay off my credit card accounts by Tuesday or Wednesday of that same week. On Tuesday, XX/XX/2016 at XXXX EST, I contacted Wells Fargo at XXXX because I did not see the {$13000.00} credit line in my online banking. The personal banker on the phone advised me that I would see the account appear in my online banking tomorrow, on Wednesday. On Wednesday, XX/XX/2016, I did not see the account appear in my online banking. I contacted Wells Fargo at XXXX at XXXX EST and spoke with a personal banker. This personal banker ( XXXX XXXX ) told me that with personal lines of credit, it takes 7-10 business days for the checks associated with the account to be mailed and up to 6 calendar days for the account to appear in online banking. He stated that " I am not sure why the previous XXXX personal bankers would tell you that your online access would be available by Tuesday or Wednesday because it 's not possible. '' Thus, I was told conflicting information about the credit access by XXXX separate personal bankers. He stated that he would reach out to the person associated with the application ( XXXX XXXX ) and would get back to me within 2-3 business days. It is currently Saturday, XX/XX/2016 and I have not heard a response from either XXXX or XXXX. On Saturday, XX/XX/2016, I received an email from Wells Fargo that I now have access to my line of credit. I logged into my online banking and still did not see the credit account. I first contacted Online Banking at XXXX EST, who was neither able to locate my credit application, the account itself, or the email that I was referring to. I was transferred twice, eventually landing with a personal banker who had to then contact the Underwriting department. The application was n't " booked '' until Saturday morning, so the account access would not be available until Tuesday, XX/XX/XXXX. I said that I would like to submit a complaint to the Consumer Financial Protection Bureau because I was told false information by XXXX previous personal bankers, and felt that I was told that information in order to proceed with the credit application. I was transferred to and spoke with a member of the Executive Customer Care Team. I told them the information above. When I requested an email or a phone call to follow up after resolution of the complaint, she stated that it " was not part of Wells Fargo 's process and would not follow up. '' Throughout the entirety of the loan application, approval process, and access to the credit, I have been told inconsistent and false information from numerous personal bankers.
For 3 years this company has been ( robot ) calling me for a minimum of 4 times a day. They are trying to contact a person   who once lived at my residence. On at least 4 times I have told them that I am not financially responsible for this person, this person is no longer living with at this residence, is deceased, and I am not the administrator/executor of his estate.
Are collectors usually are prohibited from contacting third parties more t  han once?
Phoenix Financial Services is maliciously reporting to all 3 bureaus and that I owe {$1000.00} on an account that has a XXXX balance and that 's completely false!!!! I do not owe anything ... .I have documents to support these lies .... I 'm stress out my credit score has dropped due to these false claims. PLEASE GET THESE CROOKS OFF MY BACK.
I had to wait 20 minutes ( on hold ) just to get the address I needed to mail in my monthly bill payment. The information I needed did not appear to be available on the website.
In XX/XX/XXXX, I was made aware by the IRS that there were two years in which I was a victim of identity theft. This person used my information to collect my tax returns for those two years. I am in the process of repairing my finances as a result and just recently began the journey to credit worthiness. 

This account is one of the accounts I did not recognize on my credit report and on XX/XX/XXXX I sent a letter to the Portfolio Discovery disputing a debt collection activity that I noticed on my credit report. I requested documentation with proof bearing my signature. I also stated that if they could not provide me with proof in 30 days, based on the FCRA it is their responsibility to remove this account. I sent this letter certified and they signed for this on XX/XX/XXXX. 

However, I did not receive a response. To give the organization more time to complete their inquiry, I waited 63 days for a response and when I did not receive one, I sent another letter on XX/XX/XXXX. To this date, I have not received a response. This company has failed to provide any documentation that shows I owned this account. It is obvious that they do not have the proof to do so. 

I requested the below in my certified letter : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
I've been charged more than 900.00 in overdraft fee in the last 2 years with my TD Bank. I am certain their overdraft fee policies were designed to specifically exploited the weakness of bank consumers tardiness. They are making billions from taking crazy fee due to sometimes charges that I'm unaware off and there are no way and no grace period where I can deposit the money to take care of the overdraft. Instantly, they are taking credits for money not in the account. Something needs to be done ... as these banks are practically stealing legally from everyday hard working people. Being charge XXXX for a XXXX transaction is just pure loan sharking us.
Recast loan misleading - In a XX/XX/XXXX letter, from US Bank, my payment was, to be, as stated ( with recast ) : Principal & Interest, {$240.00}, Current escrow {$97.00}, Total monthly payment {$340.00}. On my XX/XX/XXXX letter, from US Bank, my payment is, to be, as stated ( with recast ) : Principal & Interest {$270.00}, Current escrow {$97.00}, Total monthly payment {$370.00}. Why is there a principal & interest difference of {$32.00} in the XX/XX/XXXX letter, compared to the XX/XX/XXXX letter? I am not signing this document unless it is drafted, as stated in my XX/XX/XXXX letter, payment = {$340.00} monthly. Please clarify & correct the amount, or cancel my recast agreement, this not what we agreed upon. Sincerely, XXXX XXXX. Hello, Typically there is a fee to recast ; however, the offer you were sent to recast under the MHA program is free. You can return the request to recast letter of intent that was included with the letter mailed to you on XX/XX/XXXX, either by scanning it and emailing it back to this email address or mailing it into our office at : U.S. Bank - Recast Dept, XXXX XXXX XXXX XXXX , XXXX WI XXXX. Let us know if you have any additional questions. Recast Department, Mortgage Servicing, XXXX Ext XXXX, XXXX XXXX. Total mortgage amounts changed, I was sent an email there would be no fee, then I got a letter today stating a {$250.00} fee. Please help me as I think US Bank is being deceitful & using trickery to foreclose on my home. Thank you. Sincerely, XXXX XXXX.
Since XX/XX/XXXX I had my FHA mortgage with XXXX XXXX XXXX. In the middle of XX/XX/XXXX, whilst I was in the middle of a VA mortgage refinance with XXXX XXXX, unbeknownst to me XXXX XXXX XXXX, transferred my loan to Nation Star effective XX/XX/XXXX. XXXX XXXX paid off Nation Star on XX/XX/XXXX, before my first mortgage payment with them was due. However Nation Star has not refunded the balance in my escrow account and said that on XX/XX/XXXX they sent this money to XXXX XXXX XXXX to pay a Corporate Advance for an appraisal & I needed to call them. XXXX XXXX XXXX has told me they did not require any money, they did not request any money and they have not received any money ; that my loan was paid in full. I have spoken to at least XXXX different Nation Star Customer Service Agents and XXXX people in their Escrow Department and no one can tell me where my money is and why it has not been refunded.
They had XXXX people call me and say they are coming to my work and residence with the police and that I will go to jail. They are now calling my wife and saying the same thing that they will be out today with the police. I do n't even owe this and I requested they send me a copy and they refused. This is very unprofessional for this company to call and make threats and then call my wife with the same thing. That is why they need to put these loan companies out of business. The companies name is XXXX is name is XXXX XXXX and NCR XXXX XXXX they are very rude people.
Today I received notification from my credit report that Freedom Mortgage company reported my loan to the credit report as " Account in forbearance '' when it was never late and never in forbearance. This obviously effects my credit rating and how others view my credit activity and is against the FCRA. I would like an immediate response to the issue and recommend a CFPB inquiry to their credit reporting practices for Veterans and how they are handling VA loans. 

Thank you.
I live in a building where there are code violations the was determined by the City of XXXX. The current board does not response to your request or calls when it comes to the repair of their portion of the repairs. They constantly place their responsibility off on the tenants. Most of the tenants are aware of this so we have held our assessment fees. Because we have have held our assessment fees the XXXX XXXX for the building have sued people in the building and placed a lock out on the door. The XXXX XXXX changed the locks on the entry doors and my apartment door. I was called at work on XX/XX/2018, and was told that if I did not pay the {$5700.00} owed they i would not be able to enter the premises. I left work and had a friend of mine to get the money and pay the bill on my behalf. I was advised by my friend that he was not allowed to make the payment and that I had to pay the bill in person. So, I paid the bill in full but it shows that the bill is past due on my credit report. I have tried repeatedly to get a release of debt from the XXXX XXXX, the building manger, and the Attorney but they are not returning my calls. I would like to get a release of debt and for the XXXX XXXX to clear my credit and show the debt paid in full.
I have a Macy 's Credit card. I made a payment in full including the interest assessed on the balance on XXXX XXXX Macy 's charged an interest fee on XXXX XXXX XXXX XXXX and XXXX XXXX without any balance on the account, there was a charge in less than 30 days of additional XXXX $ on a previous XXXX $ interest- 100 % interest rate? Customer service has refunded the {$4.00} but ca n't give an explanation about how the recurring interest charge on XXXX balance is valid or reassurance that this will not happen again.
trying to apply for a mortgage XXXX XXXX and XXXX came back equifax didn't come up. Called equifax they said I didn't exist and that I had no history with them. Called them talked to a supervisor and told me to send a copy of my drivers license and social security card did as told still no answer did this twice already and they weren't able to help me. Called multiple times. Need this fixed since I am trying to apply for home.
I am a single mom with a mortgage payment, car note and tons of bills with only one source of income.I have gotten online payday loans which causes My account to be overdraft weekly and I can not keep up with anything .It is killing me I don't have government assistance at all.The only debt that gets paid are the payday loans because they constantly overdraft my account and I am always in the hole.Which forces me to get another one of this crazy loans to stop the overdraft fees that occurs. Help!!!! what do I do at this point when I am just working to constantly be in the negative status.
On XX/XX/XXXX, I received an annual escrow account disclosure statement dated XX/XX/XXXX from Lakeview Loan Servicing , LLC. This statement reflected a {$1900.00} shortfall in the escrow account associated with my mortgage, & the mortgage payment was set to increase 27 % from {$660.00} to {$830.00} on XX/XX/XXXX. Property taxes are only {$370.00} per year, & XXXX property hazard insurance was {$2000.00}. {$250.00} of each mortgage payment was being deposited into escrow throughout XXXX, which should have easily covered these amounts for the year. However, after calling Lakeview Loan Servicing 's customer support line ( XXXX ) 3 different times on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, & being placed on hold for over 45 minutes each & every time, Agent #  XXXX ( XXXX ) finally admitted that escrow funds had been misapplied between my escrow account & someone else 's account in early XXXX. After the loan company " fixed '' their mistake, somehow my escrow account is now nearly {$2000.00} short. They now need to make up the difference over the course of 12 months by raising my overall mortgage payment to a level that is completely beyond my current budget, as my wife has recently become employed again after a long period of unemployment. Although XXXX clearly admitted on a recorded line that the escrow mistake was made on their ( Lakeview Loan Servicing ) end of things, I am still left with them expecting payments exceeding {$800.00} per month beginning XX/XX/XXXX. If I could fire this mortgage company, I would. Apparently raising my mortgage payment by nearly {$200.00} is the only option available to me, even though the mistake was on their end & I have done nothing wrong. I have been offered no other options or detailed explanation, or even an apology for getting my escrow account so out of sorts to begin with. Unfortunately, my plan of action at this point is to pay my normally budgeted mortgage payment of {$660.00} in XXXX, because it is all that I can do. I am sure that the late fees will start piling up, & if it goes on like that long enough, I will end up losing my house over a " fixed '' mistake that this horrible loan company made with my escrow account. This has ultimately turned my American dream of home ownership into a real nightmare, & if there is any way for other homeowners to avoid this company, PLEASE DO SO!
On XXXX XXXX, 2015 I went to XXXX to apply for a car loan. My credit score had been XXXX last year this time. I have paid all my bills XXXX TIME and Trans union reported my credit score as XXXX to XXXX. and XXXX to XXXX XXXX the same day. When I called Trans Union, the representative indicated that there is a module by which each person gets the score, which seems subjective to me. The representative also indicated that there is a letter score which is accompanied by the number score which I never received ever. I find it very offensive that they would not definativly explain the specifics and were ambiguous in their response. They can be giving erroneous unsubstantiated information and one can not dispute it because the information is coded. Please have Trans Union answer specifically how I can have such varying credit scores on the same day.
I have a Capitol one card. Had a balance of around $ XXXX and paid it off. Next month received bill for {$89.00}. Called company again and the csr said he will waive it. Received notice that my payment is late and they charged me another {$30.00} in fees. Called csr again and said that the previous csr did not waive anything. Told them I have never been late and I would n't have been if I was not lied to. Said they could n't help. Asked for supervisor and was put on hold for XXXX minutes and hung up after that. Called again and same issue was put on hold for XXXX minutes and all of sudden hung up on. This company is a rip off and I am getting no where with them. Please help
My previous complaint filled on XX/XX/XXXX was closed by Bank of america, as they claimed that it is not an authorized claim. They did leave message to me on my phone, and give me call back number, and extension, however, I have called back at least 6 times, it always go to voicemail directly, so we didn ; t get chance to discussion over the phone. Instead responding to me through other way, they decided to claim I am not the cardholder and closed the case. How can they do that?! My previous claim number was XXXX The complaint is : I have BankAmericard Better Balance Rewards Visa Platinum Plus account with bank of america. The card features {$25.00} dollars statement credit each quarter if I make payment more than min due. I was told that even I don't have a min due ( meaning min due is XXXX dollar ), as long as I make a payment, then I would qualify to get XXXX dollars each quarter. I have set up monthly payment, and the last {$25.00} rewards I got was on my XX/XX/XXXX statement, which should be for XXXX XX/XX/XXXX. That means I didn't get ANY rewards for my XX/XX/XXXX activities.
XXXX College XXXX campus XXXX XXXX XXXX XXXX. 
XXXX CA XXXX I believe I have Genesis Loans which is now XXXX XXXX XXXX XXXX and would like to know if they are included in the CFPB settlement.
This complaint details American Express Membership Rewards freezing my account after attempting to transfer points to XXXX 's XXXX XXXX in accordance with Terms & Conditions of the program, and Membership Rewards accusing me without any evidence of selling points. 

On XX/XX/XXXX, I linked my XXXX XXXX account to my Membership Rewards account. Immediately thereafter, I attempted to transfer XXXX points to XXXX online. After initiating the transfer, the Membership Rewards website gave me an error message stating that they couldn't complete the transfer because " of an attempt to sell '' Membership Rewards points ( error message attached ). I called Membership Rewards and the agent replicated the error message, told me that my account was frozen and that there was nothing that could be done until the account was reviewed. As of the current time and date ( XX/XX/XXXX ) my account is still frozen. However, I need to transfer the points expeditiously to complete an award booking. 

The accusation that I am selling Membership Rewards points is preposterous. I have been an American Express/Membership Rewards member since XX/XX/XXXX and have always complied with Program Terms and Conditions, and done absolutely nothing to even remotely suggest I am selling points. In particular with regard to this transaction, there is nothing that I could do differently to suggest I am simply attempting to use the program per its Terms and Conditions to make a personal award flight booking ( linking account and transferring miles earned over the last two years ).