WillisBack/dataset-financial-user-claim huggingface dataset:
I have a XXXX mortgage with U.S. Bank. I had a loss of income due to a job loss. I needed to sell the house. Because the value of the house had fallen, I was upside down in the house. We had an offer to purchase the house that would leave a {$30000.00} shortfall. We asked the bank to work with us to either take less at close or lend the balance to me. I have been a U.S. Bank customer for over 20 years and have never missed or been late on any loan payment with U.S. Bank or any other creditor. Regardless U.S. Bank did nothing except ask for paperwork regarding the sale, my financial records, etc all of which I provided. U.S. Bank 's inaction over a 2 month period resulted in the buyer canceling the sale, since we could not provide a clear title. U.S. Bank refused to expedite my paperwork despite pleas from my attorney and me to make a decision so that we could lessen the financial loss to U.S. Bank and me. We presented XXXX solid proposals to the our assigned contact, filled out the paperwork correctly, spoke to a supervisor, all to no avail. U.S. Bank did not want to move forward on a simple {$30000.00} decision or provide any solution other than say they were working on it. Why did U.S. bank decide to harm themselves and me by taking no action. Now all parties will incur larger losses.
I paid off my loan with HSBC in XX/XX/XXXX. I 'm in the process of refinancing and they still have not released the proper book and page number. I notified them of the same in writing on XXXX and again on XXXX. They said they never received the first letter, but after speaking with them on XXXX, they said the release was recorded on XXXX. Not sure how they somehow just decided to record a release on the mortgage when they said they had never received my correspondence on XXXX and it was the same release they originally recorded with the incorrect book and page number. Have talked to them over several occasions and they still have not released the proper book and page number per my attorney. They were sent a copy of the paid mortgage listing the correct book and page number. This has caused me damges, time and money. What recourse do we have to obtain that release before interest rate rise again. My banker recommended that we file the compliant with the CFPB. There should be LARGE penalities for companies that cause these problems and headaches.
XXXX continues to report that collections from XXXX XXXX XXXX are mine. Those collections are at XXXX blaance and never got old enough to be collections, XXXX company has agreed and said that they sent requests to have them removed from my report. XXXX is clearly not verifying ANYTHING with this company because they continue to report these as past due. They have been removed from my report in the past and then added again, which I believe is illegal.
I have an old, closed auto account. to which I will attached the complete reported history from the creditor to Experian and XXXX. It has been long past 7 years from the first reported delinquency and I have requested multiple times that the account be deleted from my credit history. each bureau keeps reporting less and less history of the account, so as to ignore the first few years of the payment history. I am asking they correctly reflect the complete payment history, then would subsequently show well past 7 years have passed since the first delinquency and then the account will be deleted. 

thank you
Made several attempts to obtain records. Regarding Balance ... ..have last statement Bill of balance which was {$300.00} I had no problem paying and was told they would not accept that amount. Do n't feel I should pay because contract agreement was I could cancel after 30 days because I did n't like the service and I did and XXXX keep charging me. Everytime I call about account I 'm told call someone else and given the run around. I disputed the account on XXXX it was closed then reopened with no communication about the debt. This is unjust I 've made attempts to pay debt. I 'm being forced to pay something else. It 's ruining my credit.
I opened a Citigold account with Citibank in XXXX XXXX under a promotion ( XXXX ) for XXXX XXXX miles once I made two electronic bill payments within 2 months of account opening and {$1000.00} of debit card purchases. I opened the account under this promotion and verified ( in writing ) with a citigold representative that I was eligible and enrolled in this promotion. I completed the requirements XX/XX/XXXX ( verified it in writing with a citigold representative ) and told that my XXXX miles would post by XX/XX/XXXX. After not posting in the promised timeframe, I reached out to Citigold in XX/XX/XXXX and was told that it would be investigated. Despite weekly inquiries from me, I have not been contacted once with an update or a resolution. In fact, there is no evidence that any progress is being made. I continue to inquire weekly and get the same response that the department that handles promotional award is busy and will get to my concern when they have time. I feel as though they are stalling because I have little recourse and they can keep charging me account maintenance fees of {$30.00} per month while I wait for a resolution. One agent did tell me that I might not get the promised miles because I was not targeted for he promotion. I do n't know if this is accurate but even if this is true, I was allowed to open an account under this promotion, verified with the citigold representative that I was eligible, and then verified with a citigold representative that I had met all requirements in XX/XX/XXXX. How was I supposed to know that I could only apply if I had been targeted? I signed up for the offer and was told by Citi 's agent that I was eligible. I am asking the CFPB for assistance because Citi is refusing ( or stalling ) to honor their promotion.
two credit card companies have the wrong info and reporting credit against me. i have tried to have them correct the problem. sent certified letters asking for the social security number to be corrected and nothing happens
XXXX  which has recently " verified '',   XXXX   & TRANSUNION are all reporting a collection account,   XXXX   XXXX   XXXX   XXXX  , AKA   XXXX   XXXX   XXXX   XXXX  , ACCT. #   XXXX   XXXX  N THE ESCALATED AMOUNT OF   XXXX   DOLLARS FROM THE ORIGINAL AMOUNT OF 3 XXXX 3 DOLLARS ... .THE ORIGINAL CREDITOR IS   XXXX   XXXX   XXXX   XXXX   AKA   XXXX   XXXX  r.THE ORIGINAL CREDITOR HAS PERPETRATED " FRAUD '' in my case ... ..I ordered water service at a   XXXX   sales signup inside a  XXXX  store.What I signed up for was a  XXXX  dollars per month service.What I received was substantially higher on the 1st bill, which were surcharges undisclosed to me in the sales presentation ... ..I spoke to   XXXX   on the phone ... we could not come to agreement ... they would not relent on the undisclosed fees/surcharges so ... .. I told them to come pick up their equipment.They made 3 different appointments to come pick-up their equipment and were no-shows all 3 times.The machine/dispenser sits in my house to this day ... they obviously do n't want it.
What  XXXX  /  XXXX   XXXX    wants to do is perpetrate fraud and 1 ) overcharge on their service,2 ) '' sell me '' their equipment I do n't want, and 3 ) ring up a huge unrealistic tab, give it to an relentless collector who could n't give a DV notice or Debt Validation .... because it would invoice or document their crime as evidence in court .... I have found out from the BETTER BUSINESS BUREAU that this scheme is being perpetrated all over the country.
So if the credit bureaus do n't delete.. the CFPB will receive a complaint against the collector/furnisher AND THE O.C. the organizer of the fraudulent financial scheme.
BOA changed my checking account type from college to whatever it is now and started charging for account maintenance fee without any acknowledgement. And there is no warnings at all prior to the change
I have been in repayment since XX/XX/XXXX with Navient for my college education that started in XX/XX/XXXX. Over this time I have been less than satisfied with the support of this company. 1 ) Loan 's are confusing : over the past 6 years they have changed the way I make payments and see my payment allocations ... bundling all my loans together, separating federal from private, and now they are broken down even further into many payments within each category. This makes it very difficult to know what you are paying and to where over the life of the loan. 2 ) I have high, but variable interest rates. I have been told by Navient that these interest rates never go down, but they do go up. over 13 % on some of my private loans feels like they are really setting me up for failure, and even though the libor interest rates have gone down in the past 6 years, my interest rates have only increased. 3 ) Taking out a total of $ XXXX in both private and federal loans from XXXX/Naivent, I started repayment with about a $ XXXX/month payment. Starting out in the work force in XXXX ( I was happy I even got a job ), this was very difficult to pay. I tried to lower my payments and instead of gviing me the option of an income based repayment plan, I was put into an interest only payment plan. so for 1 whole year my ( now about $ XXXX/month payment ) was only going towards interest and my principal balance was rising. 4 ) Due to the suspicion of my rising principal balance, I have called ( now ) Navient many times to try and understand not only my balance but my options. To date I have PAID just over $ XXXX to Navient ( monthly payments ranging from {$700.00} - {$1200.00} over the past 6 years ) for my $ XXXX loan, and to date have just over a $ XXXX BALANCE on my principal. One phone call with a representative told me that something did seem off, and that my principal should be about $ XXXX lower than what it was ( convo on XXXX XXXX XXXX ). This " initiated an investigation '', which concluded in no change in my principal balance. My complaint is that I feel I have been mislead, taken advantage of, and XXXX of my very HARD earned money for a $ XXXX loan I have paid almost double for already. Given the recent law suit against Navient, I realize I am not the only one. I do not believe that my college education is a given right, but there is a such thing as having integrity when administering student loans to students that are XXXX years old.
According to the false accusations on the paper work it say  XXXX  and I was not aware if it I would think that someone would call they said it was done via web. And I do not get in there as well as j do not know how come no calls no letters Nothing until the gentleman pulled up  XXXX  so I call remarks from company '' sir please get an attorney we no longer shall speak to you. Now you never have until then and wow that 's what I was thinking
I been in XXXX since I was XXXX years old someone been using my name opening bank accounts buying houses cars in etc in I have not been able to get a bank account in have a hard time even cashing my work checks I need help with filing identity theft claim with XXXX
I have received several recent inquiries on my credit profile that I did not initiate. The credit reporting agencies did not protect my file by instructing the companies that i must be notified first before viewing my credit.    XXXX  Date of request  XXXX / XXXX / XXXX   XXXX   XXXX  Date of request  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   Date of request  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   Date of request  XXXX / XXXX / XXXX   XXXX   XXXX  Date of request  XXXX / XXXX / XXXX   XXXX    XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX
The car was given back and it was a recall on the car and i should n't have to pay {$3000.00} for a car i do n't have or be responsible for the car. The company has the car back, i tried to make an agreement to see what was my options with this car and there was none at all .try to get help or can we get a hold on it, the refused.The engine beauty cover detach from the engine and come in contact with the catalytic converter.Also there was an hidden fee from the car dealer i was told my car note was suppose to be lower.
Company NAM, LLC has been calling me and other family members about a closed bank account, saying I owe money on this account. I asked that they mail me information about this account, they refused. I searched the phone number online and found that many people have experienced calls from this company and that it is a scam. Number I was told to call is ( XXXX ) XXXX
Collector called my cell after being told not communicate via mail only, calls to my cell number incur charges. Collector refused company name even after being made aware of FDCPA violation. Reluctantly, I provided my information and was given her company name. I advised collector at that time of violation for calling my cell phone as well as refusal to provide company name and that two collectors from same company calling me simultaneously on 2 seperate accounts. Also, company is aware of payments being made on account with legal proceedings. Collector responded with she can do whatever she wants and I need to pay. She was rude and holds no value to laws set to protect consumers.
The prior owner of our phone number allegedly has a debt with a company that calls us constantly even though we have informed them that we do not know that person and that they have the wrong number. They call several times a day even though they have promised to remove our number. They will stop for a few months then it starts up again. We have had this phone number now for seven years.
In XXXX of XXXX I obtain and Citibank XXXX and had to submit a {$200.00} payment to secure the car. I use the card and in XXXX the company closed the account. I a balance of around {$50.00} and left approximately {$150.00} left of my original secured deposit. After much discussion I was told it would be 60 days til I received a check for the remaining desposit. 60 days came and went and called again. They said check for {$130.00} and change would be mailed on XX/XX/18 and probably received around the XXXX. That would be 100 day mark. called again today and they have charges additional {$51.00} fees on the account and the payment has not been processed. After being transferred to several people I was told no manger available and will get call back. I have been told this before with no call. This appears to be a scam to collect fees on a closed account so they do not need to reimburse me.
I have been trying to get a modification on my home since XXXX XXXX, I have been working with a XXXX Approved housing counseling agency XXXX XXXX XXXX and we have done everything that my lender has asked and still have not received an answer. This situation started due to the fact my lender charged me escorw on my home for my taxes and I am my husband are exempt due to our age we are senior citizen and my husband is XXXX. I now have a sell date on my home scheduled for XXXX XXXX, XXXX and I am desperately in need of the CFPB help to resolve this situation.
I went to a Wells Fargo branch to deposit a check into my father 's account that was issued under his name. It arrived by mail to his old house in XXXX house, and he moved to another city couple years ago. So I wanted to deposit it myself instead of mailing it to him. I I went to a small brach inside a grocery store, located near my university. I asked a banker if that would be ok to deposit that check if I know account number and was told that it 's absolutely not a problem. I was helped by a branch manager, because other tellers were busy. She took a check, did all the required steps and scanned the check through the machine. And only when recipept got printed she notified me that because of the upcoming holidays all funds except a XXXX dollars will be available in 7 business days, but because of the holidays it somehow ended being 13 calendar days. I was astonished to hear that. I asked to revert the transaction, because that was too long and did not sound reasonable. ( A banker at another branch was later able to deposit it, so it cleared on the last day before the holidays in only two days. ) When the banker completed cancelation she told me that she would not give me check back, because it was issued under my fathers name, even though I just brought it in 5 minutes ago. My father had to leave work and drive over XXXX miles from another city to pick up the check, because manager claimed that she will shred the check if he does n't pick it up by the end of the business day. And we did not want to to go through a hassle of requesting to reissue check. 
Manager of that branch did not have any regards for the situation she created and failed to notify me of important deposit information before deposit was made. When I asked her which rule does not allow her to return it to me, she said that there is a rule and she can show it. However, when I asked to show she started looking for something and after couple minutes of unsecusseful attempts to locate the set of rules, she said that even if she finds it she would not show it to me, because of another rule. On the question whether someone can make exception to that rule, branch manager said that she can, but would not. When I asked why did you say that, she refrained from answer. I also offered to get my father on the phone to verify his SSN and ID number and authorize me to pick up the check. Service manger XXXX provide not a single argument other then " I ca n't do it '' I have been a client of Wells Fargo for 5 years, have a depot, credit and business cards, maintain reasonable daily balance and did not have a single bounced check or similar problem. 
Check amount {$25000.00} Date of attempt to deposit XX/XX/2017 First {$200.00} available immediately. 
The rest on XX/XX/2017 Average checking account balance {$3000.00} With linked business account and investment Service manger 's name : XXXX Branch : XXXX, CA XXXX United States
I never was sent a bill from either the hospital or Amcol agency in South Carolina. The collection agency only contact me when the debt was placed on my report. Also the amount due was incorrect.
I am a cosigner for a private student loan being services by Navient. The primary borrower has made arrangements for an income based repayment plan, however Navient claims that this agreement does n't cover all of his loans, including the loan I cosigned for. I called Navient today, XXXX/XXXX/2016, and spoke with a XXXX XXXX. I explained to her that 1 ) The repayment plan they worked out with the primary borrower should cover all of his loans. I got an answer that not all the loans qualified. More importantly though I explained to XXXX XXXX that I was laid off my job a week and a half ago and currently being unemployed I would need a deferment or forbearance until I am employed again. She told me that all deferments and forbearances have used up and stated that I needed to start making payments. I explained to her that being unemployed means that I have no income. This simple fact made no difference to her and she repeated herself that I needed to immediately needed to start making payments. I then pointed out as to how I could send money to Navient that I do not have.
I have been trying to clean my credit report up. I have XXXX things on my report that are over 7 yrs old and XXXX deleted the main XXXX. On my report XXXX XXXX has put my child support on Trans. I disputed it and it should be removed because its over XXXX yrs old. But they allowed XXXX to change the date and make it a XX/XX/XXXX date open which makes no sense. I also found out by National collections that in XXXX they notified all XXXX major credit agencies that fines and arrest warrants were to be taken off. They are still on there and there 's more that that. XXXX is now adding inquiries on my report from XXXX. An investigation by your office should be done by ur office. Also, on my reports is a school loan from XX/XX/XXXX and that is over 7 yrs old and should be removed as well. When I asked the lady at Trans if they verified information put on the report her answer was " we have no way of knowing if the information is valid or not. '' I have XXXX items knocked off and XXXX more ready to be knocked of and XXXX, XX/XX/XXXX reports that should be. Now they are adding inquiries that were not on there before? There are also many inquiries not initiated approved by me and they refuse to take them off. Please investigate my credit with all XXXX major credit agencies.
I contacted my servicer because my takes have gone down by  XXXX  since closing on the home over a year ago. This reduction should have had an immediate effect on my mortgage payment. My servicer is still continuing to charge me for a taxes at the old rate, which is almost  two y ears old.My servicer has refused to make adjustments and apply the excess amount that is in my escrow account to my principal. I have been promised this would be handled and they have refused to make adjustments. I have emailed back and forth with customer service to no avail.If my mortgage servicer is completing an escrow analysis as promised then they would have noticed there is a surplus in my account. This refusal is horrible and I need assistance. It appears the only way to reduce this is to refinance the mortgage and I will not do that. My servicer needs to be held responsible for this undue stress. This undue stress has caused me to be late on my mortgage payment and incur unnecessary late fees. All while my servicer sits with excess money in my escrow account.My hours have been cut over 7 months ago and I still make my mortgage payments. I expect them to do their job correctly. Just as they expect to receive mortgage payments
I received a call from XXXX with Key 2 Recovery on XX/XX/XXXX concerning a collection account with XXXX XXXX from XX/XX/XXXX XXXX {$1400.00}. I informed her that I did n't have any debts with XXXX XXXX and am not familiar with any debts from there that I owe. I told her the statute of limitations have run out for such a debt that I do n't even owe from XX/XX/XXXX. XXXX asked if I was going to pay the debt and I informed her, no, because it 's not my debt and she hung up on me. After the call, I did n't receive any additional contact by phone or mail ( never received anything by mail ). Fast-forward to XX/XX/XXXX I receive a credit alert from XXXX XXXX as it relates to XXXX indicting I have an open collection dated XX/XX/XXXX from Key 2 Recovery Inc., and reported XX/XX/XXXX for a debt owed to XXXX XXXX in the amount of {$1400.00}. How could I have had an " open '' collection in XX/XX/XXXX? The debt was so old, that I was wondering why a collection agency was attempting to collect a debt that was over 17 years old that I knew I no longer owed and when they purchased the debt at that time it was their duty to do their due diligence. The reason I do n't owe or have such a debt is because it was discharged XX/XX/XXXX in Case Number XXXX under Chapter XXXX ( filed under my maiden name ) on Schedule F, Creditor # XXXX i/a/o {$1400.00} the exact amount Key 2 Recovery has reported on my credit report as a derogatory collection. How can a collection agency attempt to collect after bankruptcy and report a derogatory collection on my account after all these years on an account that was clearly discharged, stale, time-barred, not re-aged, and no documentation provided that the debt was valid? Having a collection account can jeopardize my job as a XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX as I 'm not able to have " bad credit '' and collections. 

This appears to be unfair collection practice as this company clearly ignored that this debt was no longer owed and did not validate the debt they clearly purchased over 15 years later, and they falsely reported to the Credit Bureau which can jeopardize my career.