WillisBack/dataset-financial-user-claim huggingface dataset:
I received a voice-mail from XXXX XXXX at Pioneer Credit Recovery ( XXXX ) on XXXX/XXXX/16 at XXXX In the message she asked me to call her back about a teacher I work with, XXXX, with a reference number. I texted XXXX first to see what it was about and she said this woman had been harassing her and also contacting XXXX 's family members. I do n't know why she called me, but it seems like harassment to contact co-workers about a person 's debt. I did not call XXXX back and blocked the number. I do n't know how she got my name or phone number.
This is with regards to an existing CFPB case # XXXX. As instructed by Citibank, I requested my lender, XXXX to pull a new credit report after XX/XX/XXXX. A new credit report was pulled on XX/XX/XXXX and does now reflect the correct report date of XX/XX/XXXX. However, the reporting credit bureau ( XXXX ) is is reporting a Code of " XXXX '' and my lender is not able to approve my loan through their automated underwriting system. According to XXXX XXXX, the 3rd party credit reporting company, XXXX is the only Bureau that would report this as an " XXXX ''. The other XXXX bureau 's would report as an " XXXX '', however, for reasons that could be explained neither XXXX nor XXXX are reporting this account. I have attached a copy of the credit bureau reporting codes. My account was approved and settled for less than the full balance and was not a charge off or collection.
had an account with US Bank, used it quiet a bit for reservations, XXXX XXXX had my card on file, in XXXX their was a bill for XXXX charging me for a stay that I did not do at a campground, I contacted my credit card company and told them this was a mistake, they investigated and gave me a refund credit of XXXX, I then in XXXX closed out said account because I felt now that my card was hacked by this company, received XXXX bill with a closed account and everything XXXX out, and they even sent me a check refund for overpayment, thought this was over, now I have recived a bill from US bank stating I owe them XXXX, contacted them and they said I had to pay it, I donot owe them XXXX when I had a zero balance and closed account, please help
I have a boat loan with M & T Bank. The required monthly payment is {$370.00}. My loan balance in XXXX XXXX was {$34000.00}. Since XXXX XXXX until XXXX XXXX, XXXX, I 've made {$3700.00} toward this loan. I usually make {$200.00} every two weeks. I have not checked on my loan account because I thought I have made monthly payment more than the requirement. Today I checked on my loan account online, and I found out my loan balance is still same as in XXXX XXXX, which is {$34000.00}. My loan balance has not gone down even a penny. All my payments made to this loan went straight to interest, not a penny was deducted toward my loan principle. I called and asked them why all my payments went to interest, nothing has gone to the principle. They told me all my payments of {$200.00} did n't meet the required minimum payment of {$370.00} ( even though my monthly payment was {$400.00} ), so all payments of {$200.00} went to interest.
A XXXX gift card purchased in XXXX XXXX which had never been unsealed until XXXX XXXX of XXXX was denied and we were told it had been removed from their records either because it had been used up by either purchases, fee or because it had expired ( none of which had occurred ) and that unless we could provide time and date of purchase of the card we were out of luck. The receipt is no longer available and was purchased with other items either at XXXX XXXX or XXXX. The card waS FOR {$200.00} so not something we can just say Oh well!
I was charged for XXXX work that I did not receive and that did not meet the standards of the XXXX Board of  the State of Texas. Further I was overcharged for the shoddy work by a factor of 200 %. The XXXX threatened to report me to credit agencies unless I paid the bogus charge or gave her my auto. she reporte me to a collection agency and I submitted a large amount of information twice to the collection agency ( which she hired ). The collection agency found me in arrears and demanded that I pay them the amount due. I subsequently went to the XXXX board of the State of Texas with a formal complaint. They asked for additional information twice and then brought the XXXX before the Board. The Board found the XXXX to be at fault and reprimanded her along with stipulations and a fine as well as attorney fees and costs. This did not ease my derogatory credit remark on the bogus claim.
My name is XXXX XXXX and I was referred to the XXXX XXXX XXXX back in XXXX. The welcome offer was spend {$1000.00} in the first three months and receive XXXX Skymiles. Additional terms included make a qualifying XXXX purchase in the first three months and receive a {$50.00} statement credit. Lastly, the intro fee would be {$0.00} for the first year and {$95.00} each year after. I was approved for the card on XXXX XXXX XXXX. I met the spend requirements sometime in XXXX. I have called and chatted since then numerous times about not receiving the bonus after 6-8 weeks. I even opened a previous case here at CFPB ( XXXX ) about the same issue and was written by XXXX  corporate with an apology that recognized the issue and said they estimated a resolution on or before XXXX XXXX XXXX. I have waited and waited and waited for these bonus miles. In the mean time of waiting I have missed out on booking a vacation with Skymiles to Hawaii with my husband. I have missed out on booking a Skymiles ticket to go back home for my grandmother 's XXXX. I have been given excuse after excuse and promise after promise. At this point XXXX has breeched a contract and has violated its own terms. I can not and will not recommend XXXX to anyone anymore. It is absolutely atrocious the headache I have had to endure to get what should have been an automatic thing. I have waited now approx 4 months since meeting the spend requirement with no miles, no real explanation without forcing the issue, and no offers of other compensation. Instead each time I get the same tired excuse of, " We have escalated this to our marketing team and they are attempting to resolve this. ''
Once again shellpoint has not taken a payment and is charging fees for their failures. We had no say in our loan being sold to such a shady company, we paid over XXXX in two months to these people who claimed they didn't receive payments. We sent in the final cashiers check to catch up payments on XX/XX/XXXX, the same date we sent in the automatic withdrawal payment forms for our payments to start coming out of our checking account on the XXXX. The cashiers check cleared the bank on the XXXX, meaning they received it several days prior. They still have not taken the payment for XXXX, expecting us to pay their late fees, ect which they then make more than what is authorized or reasonable expected to pay, so your payment is reported as late and they can then charge more fees. We had never had one issue with our mortgage prior to our loan being sold to a company like this.
I have paid off the collection CONNS XXXX, but it is still showing on all three credit bureaus as a derogatory mark due to past late payments. This is hurting my credit score and need it removed permanently. I am in the process of buying a home and this collection is hurting my chances of receiving a loan.
In XXXX, XXXX, my bank account had fraudulent charges and I needed to place a block on my account to prevent a company from withdrawing information from my checking account directly. My bank accidentally blocked my automated payments from my student loan company. As a result, it took over XXXX months to figure out the error and get everything sorted. During this time, I was calling my student loan company repeatedly, trying to process payments monthly through the online system, and receiving payment confirmations via email for each payment I submitted. When I called ACS to try and resolve why I was receiving payment confirmations, and the amount was not being withdrawn from my checking, I was receiving little information from their customer service team. I WAS NEVER informed that the payments were being rejected by my bank! I had to figure that out on my own, after several attempts to make monthly payments online. Once I figured out the issue, and a regular monthly payment went through and credited correctly, I paid the retro-active amount due for the past 4 months at one time, resulting in bringing my account current in XXXX, XXXX. I have requested repeatedly for ACS to clear the late payments from credit reports as a result of this error and I am met with indignance, snide comments and accusations that the lack of monthly payments was my fault along with the claims that they " attempted '' to contact me via mail and phone regarding the issue. No attempt to contact me has been proven on their part by phone, mail or email. The only contact I have is by email, in the form of a processed payment receipt each month from ACS. In fact, I called them each month trying to resolve and figure out what the issue is with my account. This company has hurt my credit report as a result, and refuses to correct their issue or address my concerns as a consumer regarding the lack of proper communication to me concerning my account.
I had sent a certified letter, dated XXXX/XXXX/16, to Transunion requesting information about a lien that was showing under public filings. Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. 

A Tax Lien filing is public information. Again, state or federal recorders do not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. XXXX has found information on previously stated Tax Lien 's through third party research. 

I had asked that Transunion please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

I also had received a letter from a government agency, based on my inquiry, stating that they do not report this information directly to the credit bureaus.
Foreclosure is for an amount that was rolled into a loan modification. Bank of America has been unable to address this issue.
I HAVE A PREDATORY REVERSE MORTGAGE WITH XXXX MORTGAGE, FORMALLY XXXX REVERSE MORTGAGE. THEY CHANGED THE NAME OF THE COMPANY TO XXXX, BUT STILL OPERATE OUT OF THE SAME ADDRESS AND PHONE NUMBER AS XXXX REVERSE MORTGAGE. MY CHECK SHOWS UP AS LATE AS THE XXXX OF THE MONTH, AND THEY HAVE REDUCED MY CHECK BY {$150.00} PER MONTH DUE TO A FLOOD INSURANCE COMPANY CLERICAL ERROR. ALSO, I FIND OUT AFTER THE LOAN IS IN PLACE, THEY ARE NOT PART OF HUDS REVERSE MORTGAGE DATABASE FOR PROTECTION. HOWEVER I WAS GIVEN HUD APPLICATION FOFMS TO SIGN AS PART OF THE LOAN PROCESS.
My mortgage payment with Mr. Cooper ( formerly Nationstar ) is automatically deducted on the first of every month. This XX/XX/XXXX, I did n't see that deduction. Today, XX/XX/XXXX, I called to ask about the problem. The customer service representative and later, a supervisor, did not know why automatic debit was cancelled. As the supervisor told me " only the customer can cancel automatic payment and we have no record that you did that. '' Upon further reflection, the customer service representative told me that my mortgage was being sold to XXXX XXXX on XX/XX/XXXX. This was the first I heard of it. I received nothing in the mail from either Mr. Cooper or XXXX XXXX ; and the Mr. Cooper website did not indicate the pending sale/transfer of this mortgage. The website however indicated I was late on my mortgage, which was a bit annoying to me : I had set up automatic debit for the first of every month ; I called on my own to find out why the XX/XX/XXXX   payment was n't automatically debited from my bank account on XX/XX/XXXX ; the answer consisted of " we 're as surprised as you are '' and nothing more. It 's like dealing with the Bad News Bears of mortgage holders. 

Also, they told me a letter went out on XX/XX/XXXX notifying me of the pending transfer of my mortgage. I have yet to receive that letter - and even if I did receive it, it does n't explain why automatic debit was cancelled without any explanation. 

The customer service person just told me to pay the mortgage online. I do n't trust these people - never have. I 've always thought my mortgage with them was n't " going down '' as it should. Just yesterday, I read about their settlement with California for overcharging CA mortgage holders. 

In short, I would like to know ( i ) why automatic debit was cancelled ; ( ii ) why they did n't do a better job of notifying me of pending transfer of mortgage ( should n't there be a requirement that lender provides at least 30 days notice? ) ; and ( iii ) whether my mortgage has been appropriate amortized during the time they held this loan. 

THANK YOU, CFPB!
I was n't protected under the wage earner law as I should have been. My case numbers are  XXXX  &   XXXX  . My drivers license have been stolen, social security card stolen. All of my former employers have been changed without my knowledge. With all   XXXX    credit agencies. I learned from the FBI this is an inside job.   XXXX   XXXX   XXXX   XXXX   is my last employer, their ein number is   XXXX  . The company amended and restated all of my tax returns and made themselves my conservator. They was n't reporting my payroll correctly.   XXXX   XXXX   was n't reporting taxes on me. Someone within the company have my identification and is abusing it with the credit union. I was with the credit union before the hostile take over Of The company in  XXXX .   XXXX   XXXX   was directly involved with my personal information. She resigned when the  XXXX  went to the company and pulled my employee records in  XXXX . She stole my retirement pension in  XXXX . The company is a  XXXX . The   XXXX    Family is also abusing my identification. I had funds payroll deducted to pay my creditors every week until I was discharged. Money was being stolen from the courts.   XXXX   XXXX   posed as a paralegal with the   XXXX   XXXX   XXXX  .
During my loss mitigation application process, I contacted Ocwen at regular intervals in order to understand my loss mitigation options and understand the status of my loss mitigation application. On Thursday, XXXX XXXX I made three attempts to contact Ocwen. Upon each of four initial contacts, a representative transferred me to the Ocwen short sale department. During my call at XXXX XXXX XXXX XXXX XXXX XXXX XXXX A recorded message answered at the short sale department and explained that Ocwen business hours were between XXXX and XXXX and then my call was disconnected. Because the call was between those business hours, I could find no reason why my call was not answered. On Friday, XXXX XXXX, I had the exact same situation occur at XXXX XXXX and XXXX 

I believe that there is a system error at Ocwen that is resulting in an unfair practice to me. I have no control over their automated system, or errors that it perpetuates by hanging up on borrowers. I was disconnected XXXX TIMES when trying to obtain information on my loss mitigation application. This resulted in delays getting me information about my application. If Ocwen does not have a glitch in their automated system, they do not have appropriate phone system procedures in place to route calls appropriately.
A third party debt collection agen cy ( AP I Recovery Solutions ) not only called me on my cell phone, but also my parents ' house and cell phones, threatening to take legal action if I did not contact them and pay this debt. Since it was for a payday loan (   XXXX   ) I had defaulted on a long time ago, I thought it might be real. I asked for a detailed letter of the debt and to take my parents off their calling list. I received an email with an attached letter from them on  XXXX / XXXX / 2017 . It had my maiden name on the letter, not my current legal name. And, I had set up a payment arrangement with them to auto charge my debit card on the  XX/XX/XXXX  and the  XX/XX/XXXX  of every month. It was supposed to be {$420.00} for the firs t 2  payments and then {$100.00} for the rest of the payments until the debt was paid off. To authorize my payment, I had to sign a document giving them permission, which I never did. They had charged my card {$420.00} on  XXXX / XXXX / 2017  and  XXXX / XXXX / 2017 . And, so far have charged my card {$100.00} on  XXXX / XXXX / 2017 , instead of just {$100.00}. They never sent me a schedule of payment. And, even after the fir st 2 pa yments came out, they called my Uncle and left a threatening voicemail.     I called the original debt company, and they told me they sold my debt to another company (  XXXX   XXXX  ), who informed me they sold the debt  to API.  Since I was a ble to trail API t o  XXXX , I thought the company was legit. However, charging my card with no signed authorization, charging my card a different amount than agreed, no payment schedule, and contacting my uncle after I had already set up an arrangement, made me suspicious.
XXXX and transunion have both agreed to remove 5 inquiries off of my report due to fraud activity after multiple conversations and multiple disputes which were supposed to be actual removers. I 've given them all information needed and also followed their removal process contacting the other companies. I sit on hold for over a hour each time I call, I 'm not sure if they are just telling me they are going to remove them just to get me off the phone quickly or what, but it has been multiple times they have told me these items will be removed and still no result. I put a freeze/ fraud alert on my account and everything. They told me they would be removed but still no results at all. The inquiries were : XXXX XXXX twice on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX. These inquiries were not authorized by me.
I applied for a Walmart Credit Card through Synchrony Bank on XXXX/XXXX/16. I was approved for {$800.00} and was told my card woul arrive in 7 - 10 days and that if I wanted to make a purchase that I could do so as I was being given a temporary card and that that card would be valid for 7 days. I had no access to the numbers, however I assumed ( wrongly ) that the information would transfer to my Walmart account and I could make a purchase. Also I was being offered a 10 % credit for a purchase up to {$250.00} if made that day. 
The information never showed up. I tried everything but all the numbers for Walmart customer service were closed for the day, and Synchrony has no customer service available on Weekends. So I called Walmart over 7 times on XXXX/XXXX/16 to try and resolve the issue. the supposed credit card division would not apply the temporary card info to my account or even try to resolve the problem. There response was I would have to wait to receive the card. after much yelling and swearing I cancelled the card and am in the process of cancelling my account with Walmart. 
After this I went online to read reviews and what a disaster Synchrony is to it 's customers, I would say 85 % of the complaints are from people who had bigger problems than mine that cost them money, time, and serious mental anguish. In cancelling my card I have a feeling I will never be able to try and open another card at Walmart. It is like you are blacklisted from ever opening an account. EVER. 
If I new that there wsa some legal recourse I would do that, hoever since I lost no money or credit of any type this would not be a winning case. But maybe the CFPB can request all the phone records for the XXXX of XXXX and find out if they are violating the law, and then nai lthem to the wall. I really wanted that card.
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by DT CREDIT on XXXX/XXXX/2016 that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.
I was victim of Identity Theft 3 times in the last 7 years. I have 3 separate police reports related to all of the items. There were mortgages, credit cards, loan, collections, tax liens and bankruptcies that were filed done without my personal. I have sent letters to all creditors as well as to local government to obtain original copies of all documentation. I will be sending the credit bureaus all of my supporting documentation and police reports. Please please removed and permanently delete these items from my credit report. This has RUINED my life for 7 years and I am desperately trying to get this resolved asap. This has stop me from getting apartments, jobs and everything. I need immediate help to once and for all resolve all of these issues. Please permanently remove all these items from my credit report immediately.
XXXX has reported all my inquires credit cards and loan accounts under my sister 's name ( XXXX XXXX ) we are twins and have the same birthday and social security number are off by one digit so I need the XXXX XXXX, XXXX, XXXX, XXXX XXXX, and discover under my name XXXX XXXX and there should be nothing under XXXX XXXX.
I TOLD THE LENDER I COULD NOT PAY UNTIL A CERTAIN DATE AND TOLD THEM TO PLEASE STOP CONTACTING MY FRIENDS AND MY EMPLOYER. THEY THEN TOLD ME THEY COULD CALL AND HARRASS ME UNTIL I PAID. I INFORMED THEM THAT I COULD GET FIRED FOR THEIR ATTEMPTS TO CONTACT ME AND I INFORMED THEM TO CEASE AND DESIST AND THEY HAVE YET TO QUIT CALLING. I AM SCARED OF LOSING MY JOB. PLEASE HELP
I have several months of negative reporting for Acct # ending in XXXX from XXXX, which is showing " pays as agreed '' however, it 's showing delinquent from XXXX to XXXX of XXXX. And the other Acct # ending in XXXX from XXXX to XXXX, is reporting negative from XXXX XXXX to XXXX XXXX. During these time my loan was actually in Deferment/Forbearance status. So this credit reporting is inaccurate and should not be negative on my credit report. I DO NOT want my loans to be removed because of the age of the account, which I need on my credit report for history.
I submitted my loan application with XXXX Mortgage. The loan officer, XXXX XXXX, quit her employment with them and started working at GMH Mortgage. She took my financial information without my knowledge and pulled my credit with GMH. When I was notified my credit had been pulled I called GMH and talked to the XXXX. He assured me the inquiry would be immediately taken off my credit so I told him I would not pursue further action. I just had my credit pulled from another company and the inquiry is still on my credit report. The information below is copied/paste from my credit report. She pulled my credit without any authorization or verbal approval from me to do so. Her XXXX. 

Account name XXXX Date of request XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Address identification number XXXX Comments Real Estate on behalf of GMH MORTGAGE SERVICES LL. This inquiry is scheduled to continue on record until XXXX XXXX.