WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for credit for XXXX from XXXX XXXX, a division of XXXX Bank! I have perfect credit with no adverse collections, and a perfect history for payment of a car loan timely and paid off, a student loan timely and paid off, and XXXX Bank just approved me for an XXXX Credit Card. They refused my application as when I originally applied there was an inaccurate negative collection with XXXX XXXX, that was removed as the account was paid timely in 2014, before collection. I should be allowed credit with XXXX XXXX today.
SunTrust Mortgage changed the technology on their e-Pay system around XX/XX/2016. Since that time my mortgage loan account has improperly not shown my current payment due on e-Pay on the first of the month. Every month now XXXX shows my XXXX of month payment due AFTER I have paid it! I have spent numerous wasted hours on the phone with loan servicing staff who are unable to fix the problem and who are unwilling to own the problem. And around mid-month each month I am improperly billed for TWO payments - the current month AND the next month 's payment..
I get calls everyday from OCWEN '' a mortgage company, before giving any information on what they are calling for they want my social security number to look up my information. I am fed up of telling them i will not not give out my SS # so stop calling me. They continue to call and leave messages on my phone.
after i closed the complain about chase auto ..i sign a settlement chase will be rein verse XXXX for fixed the car..who the transporter broken..so the settlements say after i sign the agreement between them and myself in XXXX XXXX2017 and faxed to chase.and speak with corporation XXXX XXXX ... the settlement said they will be sending me the check..today is almost 4 business day pass already and i still asking frame time to receive the check to fixed the car..today i was speaking with ornan and leaving voice mail to corporation agent XXXX XXXX and no one answer me..so one of the customer service explain ... they chase is intermediate agent due the transporter working for them..so until today no one answer me any phone call..and still waited for the check..only XXXX know what going on..so i need help please to clarify this manner..promise, promise is already 7 week since the chase broke my car thru the re position carrier XXXX XXXX California..i call them in XXXX XXXX but no one answer is voice machine messages ... also chase doesnt want release the car title i asking auto recording my print out since i get the loan all my payment if you can see my car was charge off in XXXX2017 {$2100.00} so..if you seen still reflect the {$2300.00} i already paid for..could you explain me? still said i owned tjhem {$590.00} dollar until i paid the chase will be release my title which is not fair
Even though I have been making frequent on time payments, American Express has significantly lower my credit score over XXXX points. I did not know that I had a charge card and had to pay off the entire amount every month. I never knew or had that understood to me. I made consistent payments but they considerably damaged my credit score. I think this practice is deceptive.
In 2014 I lost my 8 year job as a XXXX XXXX XXXX due to no longer being able to do the job because of XXXX. I also have a XXXX that also limits the types of jobs that I can do. In subsequently was found eligible for XXXX and XXXX is now my sole source of income. Since going on XXXX I can no longer make payments on my student loans and other debts and have had to file bankruptcy. I requested that both lenders ( Navient, and XXXX XXXX ) for my XXXX student loans consider discharging the debt because of the XXXX. Neither will do so, and both essentially state that there is no arrangements that they are willing to make. All XXXX loans were made for education at XXXX XXXX XXXX XXXX. As I understand it all XXXX loans are technically dischargeable in a Chapter XXXX bankruptcy because XXXX XXXX School of XXXX is not a Title IV institution, which means that the loans were not made for a " Qualified Education Expense ''. But apparently, according to my current bankruptcy attorney, they ca n't be discharged without an " Adversary Proceeding '' against both lenders which would essentially cost thousands of dollars, to discharge about {$110000.00} in debt. This is something that I do not have the money to do. As it is I am having to make payments to the Bankruptcy attorney just to do the chapter XXXX filing. Finally, in addition to the financial issues I have informed both lenders of the impending bankruptcy filing, and directed that they not call me regarding the debts and provided them with my attorney 's contact information. Despite this XXXX via their collection agency ( Concentrix ( not sure that is correct spelling of the company name ) ) keeps calling daily. I have repeatedly informed them of the bankruptcy and that they were instructed not to call and have even threatened complaints, yet they continually call. So I am writing the CFPB for assistance in XXXX areas. First, and foremost, I am requesting assistance in reaching a resolution with Navient and XXXX regarding my student loan debts. Second, I am requesting assistance in getting XXXX to stop calling. Thank you for any assistance you can offer.
I applied and was accepted for a US Bank XXXX XXXX Visa signature, which advertised a XXXX award night free on all stays booked with points while holding the card, along with other benefits, for paying the annual fee. I received notice a few weeks ago that the benefit was ending as of XXXX XXXX, about 6 months of the way through my XXXX year of having the card. I applied for the card, and suffered a hit to my credit score, primarily because of this benefit, and having it removed is a big blow to its value. I called the bank and asked for some form of compensation, and they were only willing to give XXXX points, which is worth about {$15.00} maximum, nowhere near the lost value of the benefit being removed. I feel like this was a bait and switch on the part of US Bank, as I applied for this specifically for a benefit that was promised, only to have it removed shortly thereafter.
We pai d Wells Fargo {$ 350.00} on  XXXX  .17 to b e applied as follows : {$200.00} for balance transfer fees and {$140.00} as the 2 % payment of the account balanc e. Wells Fargo ref used to do that, instead allocating funds as they saw fit thus making the following months payment approximately quadruple what it should have been. It was our first payment with them.     Since that time we have been subject to stonewalling, lies, inane and anemic squitter and been cut off from addressing the e-mail chain on the subject. On  XXXX  .17 a t  XXXX    XXXX   their representative  XXXX   XXXX  attempted to paint their actions as 'per the account disclosure ' ( which is false ) while at the same time suggesting that WF had no interest or responsibility in honoring our payment allocation instructions . (   XXXX   ) Th is represents fraud by  Wells Fargo an d we wish the CFPB to use whatever putative measures at its disposal to help prevent this insidious practice from happening in the future.     We will use their account for the 0 % interest period then we will move our business elsewhere. We will also close out ou r 401K with t hem immediately.
Ocwen Purchased my mortgage in XXXX XXXX from IndyMac per notice mailed to me in XXXX XXXX upon purchase I was behind a total of {$18000.00}. If you check the attached files that I screen shot from IndyMac/Ocwen you will see that I was Ch XXXX and IndyMac rcvd regular payments on a regular schedule from XXXX XXXX XXXX ( XXXX Payments of XXXX ) of an agreed payment arrangement on a past due balance of {$18000.00} in the amount of {$590.00} in addition to the regular scheduled monthly payments and escrow. In XXXX when the agreement was made they was a SURPLUS amount of {$540.00} escrow and no late fees or interest was allowed to be charged per the agreement. In XXXX XXXX I lost my job and was dismissed from Ch XXXX and could no longer make the {$1600.00} a month payments. I begin to work on a modification with IndyMac and a few months later they sold the loan to Ocwen. IF you subtract XXXX x XXXX {$14000.00} from the total arrears, that only leaves {$3800.00}. If you add payments for XXXX XXXX XXXX ( XXXX ) {$2900.00}. Totaling {$6800.00} That is far cry from {$18000.00}. When I sent the dispute information to Ocwen it was ignored. I have spent the last 3 year fighting for my home and requesting modifications and adjustments to just be shut down and have had game after paperwork game thrown my way. Enough is enough. I just want a credit for the {$11000.00} to the account and modification the additional arrears.
I'm a XXXX XXXX XXXX  US Veteran, i have a VA loan on my home, the servicing companies keep changing now i have some company called XXXX XXXX XXXX from XXXX with offices in USA. 

Today i got a letter telling me that i must now pay over $ 8,000.00++++ as they now say they forgot that i have no escrow account? I have never ever had any escrow accounts ever. I pay my own taxes and insurance. They then tell me they no longer want to do that and now I must pay this money directly to them or lose my HOME? 

This is some sort of fraud and shake down in the nearly 10 years in my home i have never ever had any escrow impound account, i pay all my self and have never ever missed any payments. 

It appears to major fraud against both the VA and me
I disputed Portfolio Recovery Associates, LLC account on all 3 of my credit reports in XX/XX/XXXX. I received a letter dated XX/XX/XXXX, which did not validate the alleged debt. ( Letter enclosed ) I sent another request for validation by certified mail on XX/XX/XXXX. Prior to XX/XX/XXXX, I did not receive a dunning letter as required by law. I was not given notice before/after of negative information being reported to all 3 credit bureaus.
Three days ago, I decided to write a check to pay the balance of my Discover card for just over {$1200.00}. The payment posted today and I called to inquire why, in three years, my account has never been reviewed for a credit limit increase. The rep placed me on hold, then came back on the line and shocked me by stating my account had been revoked due to a bankruptcy. She explained she has to transfer me to another department. I assured her I have not claimed bankruptcy but she insisted. I was transferred and the new rep, a rather rude young man, asked me incredulously why I would be seeking a credit limit increase since I had filed bankruptcy. I explained to him I had not filed bankruptcy but he was convinced and told me he can not handle bankruptcies and I needed to be transferred to the bankruptcy department. He did as he insisted, despite my objections, and the line rang to a number for which the recorded message indicated they were closed and I would need to call back the following day before XXXX EST. The line then hung up. This was around XXXX PST. I tried calling Discover again but now, when I put in the last XXXX of my social, it simply gave me a number to call and disconnected on me. I called again and the same thing. I decided not to put my social in and simply get to a representative and speak to a supervisor. I reached a supervisor and explained the situation. She then started saying the previous reps misspoke indicating it was due to a bankruptcy but assured me she would call. After nearly 40 minutes on hold, she returned to the line to state I needed to call the other department and yes - they were closed. I exclaimed to her that I HAVE NOT FILED BANKRUPTCY but she could care less. I told her I would not be chasing down department after department to correct their mistake when my account shows in good faith I just paid my balance. I was not in collections and my account has always been in good standing with Discover. I told her I would be calling CFPB about this matter but, her attitude was such that she could not be bothered with my trivial issues. Here I stand now, an account paid off with my calling to wonder why they have not granted the courtesy to increase my account limit and yet I 'm told they revoked my account - on XX/XX/XXXX! Today is XX/XX/XXXX and there 's no letter or other notice. When I originally called in, there was no automated referral to an east coast number ; now there is. They offer no solutions or explanations and the rep readily admits she can not understand why the account was revoked. This will appear negative on my credit report as a revoked account and yet Discover treats me as if I am number, a warm body, occupying a phone line. Please help me to resolve this matter. Discover can not get away with doing this random act of evil to a good standing account holder and then with careless disregard, make me waste my time to chase down various departments only open during inconvenient hours to resolve the issue they obviously created and then to make matters worse, take a hit to my credit report!!
These Inquiries I did not authorize and can not understand why no one will delete them. I asked a car dealership to do XXXX bank and they submitted my deal to XXXX banks, which was NOT Authorized. 



CA XXXX BANK XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX, XXXX XXXX Finance XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Automotive XXXX XXXX XXXX Automotive XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX I XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Finance COAF XX/XX/XXXX XX/XX/XXXX Finance TD AUTO XXXX XXXX XXXX, XXXX XXXX XXXX Finance Friendly XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XX/XX/XXXX XX/XX/XXXX Automotive VANDRGRF CHV XX/XX/XXXX XX/XX/XXXX Automotive XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Finance XXXX XX/XX/XXXX XX/XX/XXXX Finance CRESCENT BK XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Finance
I entered into a written repayment plan With Chase. While making all required payments under the plan according to the plan terms, Chase kept sending notices of intent to foreclose. I filed a complaint with CFPB ( case number XXXX ) in XXXX 2015. Chase responded by stating that if I make all plan payments in accordance with plan terms, Chase would not pursue foreclosure activity. I completed the plan in XXXX 2015 and Chase still continues to send Notices of Intent to Foreclose.
BANK OF AMERICA CORPORATION ( nominal name " BANK OF AMERICA , NATIONAL ASSOCIATION '' ) ( hereinafter " BAC/BANA '' ) is stating that on XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, wife and husband ( hereinafter " the XXXX 's '' ) took out a loan with XXXX ( See " Attachment ). To secure repayment, the XXXX 's executed a Mortgage with XXXX XXXX XXXX. XXXX " XXXX as nominee for XXXX which was recorded in the XXXX of the Federal State of Hawai'i as Document Number XXXX. ( See " Attachment '' ). 
BAC/BANA is stating that by an Assignment of Mortgage dated XXXX XXXX, XXXX and recorded in the XXXX of the Federal State of Hawai'i as Document Number XXXX, BAC/BANA is now the mortgagee of record. ( see " Attachment '' ).
I have contacted both Equifax,  XXXX   XXXX  and   XXXX   and made them all aware that I was a victim of identity theft and provided them both a copy of my police report, identity theft affidavit, driver 's license, social security card and a recent bill and asked them both to act in accordance with the FCRA Section  605  ( B ), by blocking the information that I have detailed to them that was fraudulent from my credit file and they both have refused to comply with the law. I have sent both credit reporting agencies all of the aforementioned details by certified so I can prove them having received this information and I can also prove their non compliance to the FCRA that governs them, and they have neither  one  done anything other than treat my complaints of identity theft as a normal dispute. I have tried to contact both companies by phone as well to speak with them about their non compliance to the law concerning identity theft, but when you speak to them on the phone they tell you that there is nothing called the FCRA. The agents that work about both of these agencies are oblivious to the fact that there are laws that govern their conduct and they just try to take advantage of the victim. Sometimes when you call they will hang up on you, or they will flat out refuse to assist you in any meaningful way.  <P/> These credit bureaus are not complying withe laws that govern them and they both should be sanctioned and investigated. I have simply asked them both to comply with the law and block certain fraudulent information from my credit file after having provided all of the required documents, but they refuse to abide by the law. The people that work at these companies are extremely unskilled and not familiar with the law and the rules and regulations that govern them and they in turn treat the consumer in a demeaning manner. When I have mentioned to the representatives at both   XXXX    XXXX   XXXX , and Equifax that they could be fined and sued for their unethical practices they do n't take it seriously and they will tell you then just sue us then. Is this really the way that credit reporting agencies are allowed to act in the USA? This is unethical behavior that they are displaying and I hope that The CFPB will not continue to allow them to get away with it.
XXXX, CA XXXX XXXX XX/XX/2017 XXXX XXXX, Oh XXXX XX/XX/2017 I did not authorize these company that I listed above to run my credit on my credit report due to the law under section 604 of the FCRA they broke the law by sharing my information that i did n't authorize.
XXXX XXXX XXXX is reporting high incorrect balance, they are refusing to allow me to close my account, even though I have paid them in full. They are adding more fees and keeping my account open even though I paid them in full. They are breaking the law and affecting my credit report and reporting false information to keep my account open. I do not owe them money period. I paid these accounts off in good standing.
There are XXXX separate accounts from the same creditor listed, except that XXXX of them could not possibly be mine because it was opened in on a date when I was still a child and has a completely different account number to the correct XXXX, which strangely enough at the time which the valid one was opened, card received and all, after about a month, I received a call that said that I was mistakenly approved and the account was closed by the credit card company. The same applies for the inaccurate XXXX from 1999 with a completely separate account number, balance, and credit limit.
I did not authorize anyone to misreport any information on my credit history.. Given that Experian is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint. I have attempted to have Experian clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me XXXX XXXX, XXXX  XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
A changed my name legally and opened new credit cards under new name. Everything was reported correctly until few days ago Transunion whiped our all information under my new name and attached it to my old name.
Hello. I need some help with Well Fargo.I have struggled for several yrs Ask Well Fargo for help and sure helped me throwing more on my back.They went up 10 yrs on my mortgage up on my interest rate. I begged for a lower rate and that lower rate would have keep my yrs down .they went up 10 yrs and payment dropped XXXX .what a great american co ..to do us citizen like that.i have never had trouble for 48 yrs and had great credit and then bottom fell out in XX/XX/XXXX - XX/XX/XXXX. I ask if i give up my home you would lose XXXX dollars because of falling value home.I think the way they acted that losing money was ok instead of helping me.Why they can say they are trying to help people. Thats not so true they said all they could do is go up on yrs and interest.They said that if you fail XXXX you can not qaulify for a good rate THAT IS NOT AMERICAN IT IS GREED! HELP ME PLEASE!
i noticed this debt got added to my credit file circa XX/XX/XXXX. Sequium Asset Solutions Failed to send me a notice that they were trying to collect a debt therefore they have violated my consumer rights. I have disputed this debt with all three credit bureaus as well as Sequium. Sequium did respond to my dispute with the bureaus with a questionable bill of service but was unable to provide any solid proof of this account being mine. I also sent Sequium notice via USPS certified mail circa XX/XX/2019 that they have violated my consumer rights by not sending an initial dunning letter giving me my rights to dispute the debt and they have ignored my request to remove this from my credit reports they also have ignored the letter i sent notifying them of their failure to comply by sending me an initial debt notice. I demand this be removed from my credit file otherwise i will seek legal council against Sequium Asset Solutions for their non compliance with the fair credit reporting act!
I called XXXX XXXX XXXX on XXXX. They show no accounts in collections at Stevens Business Services. However, XXXX is showing XXXX accounts in collections from XXXX XXXX, XX/XX/XXXX still open. 
Accounts do not exist.
On XXXX/XXXX/XXXX I purchased a XXXX XXXX and financed through NMAC. For 5 years ( the length on my loan ), NMAC auto-deducted the monthly payment from my checking account. Last payment was deducted on XXXX. I assumed the vehicle was paid off and have been waiting to receive my title. On Mon., XXXX XXXX, XXXX, I received a call from a Collection Agency that my final payment was never received! They further advised that final payments are not auto-deducted and advised me of the amount due. THIS IS THE ONLY NOTICE I HAVE THAT ANY PAYMENT IS DUE. I never received an invoice or phone call from XXXX! On Wed., XXXX XXXX, XXXX I mailed a check to NMAC in the amount requested of {$290.00}. Today, XXXX XXXX, XXXX, I received an email that XXXX XXXX posted a change to my credit report because " I fell behind on payments on XXXX of my accounts ''. Please help! I have worked hard to keep my excellent credit score.
This is the third company contacting me trying to collect this debt which was settled years ago with the originating company. The current debt collector is c alled Mercantile Adjustment Bureau. They  entered a claim with the credit bureau  on  XX/XX/XXXX  in t he amount of {$590.00}. The debt goes back farther than that and was in the amount of {$590.00}. It was already paid and settled.
I have been disputing an account that is reporting on my XXXX credit report. The account is XXXX XXXX XXXX XXXX XXXX fl XXXX. This account to begin with was paid back in XXXX of 2014. For some unknown reason since they went out of business it has been reporting as a charge off. I have made phone calls/letters/ etc to try and correct this information and have it deleted off my report as it is affecting my credit score in a very negative way and affecting me in obtaining substantial credit. Tranunion and XXXX  has deleted it since but XXXX is still reporting it. I tried to re-dispute it online again with XXXX but the system will not allow me to do so. I am furious that this is still reporting and the information is completely wrong. I am submitting this complaint on XXXX credit reporting agency because they fail to do a proper investigation because if they did they would have received confirmation that this account should be deleted off my credit report. If XXXX and transunion deleted it so should have XXXX.
This was settled in mediation court with a loss to both parties. The collection company continues to collect a debt that is false.