WillisBack/dataset-financial-user-claim huggingface dataset:
I previously made a complaint to the CFPB onXX/XX/XXXX against Ditech Financial LLC f/n/a XXXX XXXX XXXX which is same company with different name. What they did before reporting information to the CFPB was change my credit reports which I reported XXXX  where they had me in repossession as of XX/XX/XXXXtoXX/XX/XXXX and it was also on my XXXX   report. I never made a payment inXX/XX/XXXX because the monthly billing statment said I was past due with billing for XX/XX/XXXX and for for XX/XX/XXXX, which I never received was double the amount that they provided to the CFPB which showed a past due amount bill XX/XX/XXXXwhen my payment wasn't due til the XXXX  per my promissory note, because they were relentless in harrassing me on a daily basis. I disputed the information with XXXX on XX/XX/XXXX and with XXXX which I believe was on the same day which Ditech Financial Refused to change. On my XXXX report it shows last payment on XX/XX/XXXX but under payments it shows I made a payment inXX/XX/XXXX. On XXXX it shows Date of 1st DeliquencyXX/XX/XXXX and Date Maj Del. 1st Rptd on XX/XX/XXXXso they are trying to keep this on my report for 8 years. Does Ditech Financial LLC not understand the law that it starts from the first on XXXX it shows XX/XX/XXXX being paid. In XX/XX/XXXX, Ditech Financial sent me a set of spreadsheet and IRS documents. I just found all my paperwork. Since the CFPB does nothing but collect documents and take the word of creditor and close the complaint without question, I am contacting the FBI Crime Fraud Unit which will investigate with IRS as you call charge offs. Your spreadsheets don't match up with my all of my paperwork which means you have been defrauding the government and writing off more than you should be which includes other people. Aren't you aware of the law that once a property is foreclosed on and becomes the property of XXXX XXXX etc., and the time starts from the 1st delinquency and comes off after 7 years from that date. Also, when the property was put in different name through XXXX, the notary on my assignment through XXXX XXXX XXXX in Florida was a fraudulent signature. I got a copy of the notary signature through the state of Florida for XXXX XXXX, MA, and they don't match. So I will be reporting this to the appropriate government entity in Florida against XXXX XXXX. If the FBI won't investigate it, I'm going to a t.v. station in XXXX XXXX, Ca. Maybe I'll see you in court or maybe not. I was sick of Green Tree Servicing and now I'm sick of Ditech Financial with all your lies. I would like to know why my whole credit report changed when Ditech Financial took over which I have proof of. I'm not going to provide the documents because you already have them. I will have every person you made a loan to and/or servicing requesting every document on their loan through Ditech Financial LLC, and I'll make sure they don't get the run around like you gave me last year and you never gave me any of the documents I requested last year.
I have mortgage loan and circle gold check account with Citizens Bank for several years. I start to setup more than one credit cards auto-payment since last XX/XX/XXXX. Its website multiply auto-payments functions sounds NEVER working to me. Originally, I only has one XXXX Credit Cards auto-payment setup with the bank without problem. However, after more than one 's setup, the bank website multiply auto-payments functions is only still working on my XXXX Credit Cards auto-payment setup correctly but NEVER WORKING CORRECTLY for at least half years. I always manage to make manual payment by myself at first months and double check about auto payment settings on their website for slowly and patiently practices variously including call customer services line several months. I am an XXXX/XXXX XXXX guy for my life. I have a lot of my guts feelings about these problems and once even drive to its bank branch located in XXXX PA to let their new branch manager to setup by herself. They seem always divert my topics, have difficulties or blame other company 's problems that are resulted in many late payment, interesting and finance charges at all my credit cards and my accounts in the bank. I have many real-time online screen snapshots document to show they and spend a lot time to solve all problems caused by this bank. I get a lot of credits back from my other institutions and ask this bank cover the rest of my money lost without my mistakes. The bank is refused to do so and insist not their faults. I am very frustrating about the chaos.
My cosigner died XX/XX/XXXX and Navient is attempting to call the note due, contrary to their public statement they would cease doing so. My payments have never hit 30 days late in 3 years but I have been turned down for cosigner release or refinance due to credit issues ( mainly stemming from prioritizing the 10 year repayment on this cosigned loan so as to never miss that payment ). 

The auto default clause is still actively being enforced.
Multiple student loan entries from Navient, routinely reporting erroneous information including, not reporting deferment status on all loans, varying interest rates, and other false information resulting in high debt to credit ratio, even though in deferment. In addition, I am a XXXX service-connected XXXX veteran. I am in a documented financial hardship position on the verge of homelessness. Navient has been unresponsive in answering my questions and guiding me to options pertaining to financial hardship and debilitating injuries rendering me unemployable. I
XXXX American Express served my old residence and sued me won a judgment for XXXX + interest. This was included in my XXXX in XXXX. When I changed the title from a trust into my name in XXXX a lien went on my house. 

This is illegal for them to try to collect. It is illegal for them to record a lien 5 years after a discharge of a XXXX Bankruptcy. This must be enforced and I will never stop with going after them if they force payment. I had an attorney say they will owe me for a lot for sanctions, penalties and court fees if I take them to court. I will also have them pay for my attorneys. I want them to remove the lien in XXXX XXXX court and remove it from my credit report immediately. 

I may start a class action suit if this doesn't go away with countless others.
My XXXX XXXX credit card was closed when I applied and received another card from Barclays, most likely due to different addresses. I have never missed a payment, my credit was excellent. My complaint letter to Office of the President was answered by an employee who put me on hold, then hung up and never answered any other calls. I wrote a letter to Barclays to  challenge the closing, and received a letter back stating that they could not reopen my account and told me to apply for another card. When I applied I was denied, by another letter stating I had not paid or filed bankruptcy which was completely untrue. Again, there is no number to call. The company has the worst customer service I have ever encountered. Unfortunately, they have a lock on the XXXX card, and XXXX status is very important to me, otherwise I would never deal with this company again.
checking account was over-drafted. I had, according to Chase until XXXX to cover the overdraft and avoid fees. An account transfer was done at XXXX and reflected in the account as covering the overdraft. Checked with the phone app and website and both showed the overdraft covered with a positive balance. Last time checked was midnight and it still showed a positive balance. Next day XXXX overdraft fees were charged to the account. Branch officer said that was because transfer was not done before XXXX but account showed positive balance before the charges.
Experian is reporting XXXX XXXX XXXX XXXX lates as recent as XX/XX/XXXX. This debt as included in our CH XXXX bankruptcy which was discharged XX/XX/XXXX. I demand that the account gets statused as included in the BK with no lates after the BK date.
In XXXX me and my spouse sold a XXXX XXXX XXXX we we contacted a year later by XXXX XXXX XXXX XXXX XXXX i faxed them thew XXXX XXXX XXXX paper and they stopped calling last week the week of XX/XX/XXXXto XX/XX/XXXX from a company called lien enforcent, Inc stating we owe XXXX for the vehicle I then contacted them and told them we had sold the vihcle and faxed them the lean paper only to hear back from the same guy who contacted me to say it was not valid and that not to listen to the XXXX he threatens me and my wife and I want this to stop there number is XXXX please help
XX/XX/2018 My Wife and I received a letter from Wetsch Abbott Osborn Van Vliet Plc . 
Letter was to inform us of a debt that we have with XXXX XXXXXXXX XXXX for {$1700.00} I Called@XXXX on XXXX XXXX waited on the phone for XXXX no answer. 
the prompter says that they do not call an leave messages if we wanted them to return our call. strange So I call again on XX/XX/XXXX@XX/XX/XXXX When I finally got ahold of someone I was then directed to the collections office and waited again for almost 6 mins. no answer. 

So I got online to submit a payment. with all my banking info ( there is no bare minimum of payment. ) I submitted what I could at the time to " cure '' the debt to set up recurring payments.

I received an email from Wetsch Abbott Osborn Van Vliet PLC denying my payment to " cure '' a debt. After I missed a call from them I work night shift I do not wake up till XXXX. 

So thats why I wanted to file a complaint.
I submitted a complaint last month about the notice I received from US Bank that after a " periodic review '' the Bank decided to close my {$500.00} Reserve Line. I disputed this closure on XX/XX/XXXX due to questionable timing of the closure and discrimination against my sudden ability to repay and avoid finance charges. The CFPB response to my complaint from US Bank was a generalized re-statement of their initial letter that I am disputing, but never addressed my actual concern. US Bank claimed they " periodically review '' credit lines and determined I was no longer eligible for my Reserve Line. I fully understand credit scores are not the only determining factor in creditworthiness. From XX/XX/XXXX-XX/XX/XXXX I had this Reserve Line & actively used it. During this time, I had a low credit score, high revolving credit lines that were being charged off, I was a student with no income, and no ability to repay. During this entire time I was accruing finance charges on this Reserve Line and rarely able to make a small payment. If US Bank periodically reviews eligibility, why was this credit line allowed to remain open for those five years opposed to today? Currently, my credit score has increased over XXXX points, I 've graduated from school, I have a job with the ability to repay, and low credit balances. The account closure notice came a month after I made my first large payment to this account in XX/XX/XXXX and have finally been making large dents in this debt in order to increase my creditworthiness and lower my debt-to-available credit ratio. Because I have suddenly been able to repay the credit extended to me and no longer susceptible to the finance charges, I am being punished and discriminated against with this account closure. Why can US Bank suddenly close a credit line the same month I start repaying it, even when I have a more positive credit worthiness than before when I was being charged abusive fees? How often does US Bank do these " periodic reviews '' if I was still able to use the Reserve Line and be charged fees from XX/XX/XXXX-XX/XX/XXXX? How is this recent periodic review a valid determination of my ability to repay, when prior reviews still allowed the account to remain in use. Why am I being punished now when I 'm finally recovering my financial situation? The expectation had been set that I was a trusted borrower despite my previous struggles, but none of these previous questions are being answered by US Bank to explain why this account is being coincidentally closed now.
I have made several attempts over the past few months to have Caliber and XXXX to accurately report my on time payments on my credit file to no avail and to date, I have been unsuccessful. Caliber 's last report date was XXXX XXXX, 2017. Is there a reason why XX/XX/XXXX and XXXX 2017 reporting was n't made on this date ( XXXX XXXX, 2017 ), when in fact Caliber is responsible for reporting on the XXXX of each month? Per my reporting via XXXX pulled on XXXX XXXX, 2017, XX/XX/XXXX and XX/XX/XXXX payment status reflects " NR '' while XX/XX/XXXX, XX/XX/XXXX and XXXX 2017 were left blank without a reporting status. XX/XX/XXXX - XXXX 2017 should all reflect as " paid on time '' not NR for No Reporting or left blank. This is an on going issue that has not been directly addressed. My concerns are " specifically '' geared towards the above mentioned months NOT anything beyond that. Again, I am requesting that Caliber correct and update the reporting of my on time payments for the months of XX/XX/XXXX - XXXX 2017. See the attached supporting documentation. Please do not respond with a letter that does not specifically address my concerns.
Affiliated Acceptance Company has listed a inaccurate debt on my credit report stating that I owe {$10000.00} dollars for a debt that they have never verified. I have asked them to send me verification that I have a contract with them showing my signature and in response I receive a billing statement. I know under the Fair Debt Collection Practice Act a billing statement can not be used to verify debt that the collector actually has to prove that you have a binding contract with them. I also verified that Affiliated Acceptance Company do not have a surety bond in Texas which also make it illegal for them to try and collect on a debt or pursue any debt collection activities. I also have proof that under the Texas Debt Practice Act this company has violated penal code 392.101. Which states '' Texas Fair Debt Collection Practices Act 392.101. BOND REQUIREMENT. 

( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. 

( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.

( c ) The bond must be in the amount of {$10000.00}.
Discover student loans services my private student loan from XXXX XXXX XXXX XXXX. I made a payment on XX/XX/XXXX and it cleared my bank on XX/XX/XXXX. But I continued to get late notices including XXXX phone calls and XXXX letters overall stating I could have the late notice reported to a credit history company. After a phone call and further e-mails the payment was finally applied on XX/XX/XXXX. To avoid further issues I applied over the phone for auto debit payments for this loan. I got a letter stating my auto debit application was being processed. XXXX weeks later I e-mailed Discover Student Loans to confirm the status of my auto debit payment but was told the did not have any of the information needed for the auto debit process ( banking account number ). This program offers a 0.25 % interest rate reduction which I will be missing out on for at least another XXXX months due to this delay.
There are many inquiries appear on my report without my permission :  XXXX  -  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
My bank account was overdrafted by {$20.00} due to a XXXX payment and bank of america changed me XXXX {$35.00} overdraft fees each when I have another account with bank of america with a few thousand dollars in there. I called them next day asked them to consider waiving the fees and the associate told me no and they would not allow me to speak with the manager because they were busy with another customer.
Predatory lending practices.     The fees were outrageous, in the neighborhood of {$5000.00} on top of a {$2000.00} loan. I made a larger payment last month ( {$1000.00}  )  in an effort to reduce the amount of interest being charged. I called them this month, and they indicated that I did n't have another payment due until  XXXX . Ostensibly, they interpreted the large payment as several payments in advance in an attempt to tempt me to continue the loan, not pay again for several months, at the same time accruing the predatory interest fees. Under the circumstances I just paid it all off, causing much harm to my financial condition but it was more favorable than paying the principal amount several times over.
I opened a credit Card account with Continental finance a few months back to try and restore my credit rating. Since then they have been charging me {$4.00} for Credit Protection that I didnt want and clearly checked that box during the application process, made calls to remove and they still will not. This last Month I got a phone call from them wondering where my payment was. They asked me if I mailed it to there new address or old address. I told them i mailed it to the address that was on the payment stub ( i have no idea where this is ). She said it was okay but they went ahead and charged me a {$25.00} late fee. Why they would do this to there customers ( in researching this I am not the only on they have done this to ). They have so far refused to take this off my balance even though they sent out there payment invoices with there old address on the stubs. I just felt like you should know they are ripping off customers and do not help you when you call them. I just want to pay this debt off and close this account but they are making it impossible by tacking on late fees and credit protection charges againt there customers who are tring very hard to pay the debt on time and do the right thing. This should and must be Illegal. 
Thank you for your time and consideration. 
XXXX XXXX ( XXXX ) XXXX
I paid off Best Buy Credit Card and was awaiting a refund of balance. 
This was in XXXX it is now XXXX, and have n't received refund but I have had the run away and told I gotten the refunded when I called with my bank on a recorded line stating they put it in the wrong account and it was not the account I stated. 
It 's now XXXX/XXXX/16 still no refunded, transfer to this dept. and hung up on another, promise to get this done in 10 days and still nothing. 
Best Buy/Citi-Group can never get me as a customer again because I know my bank account # and I repeated it several times only to get my refund sent to the wrong account and Best Buy customer service only tells me its was sent to you and closed it. Cause apparently I do n't know my " Bank Account ''!! Done!! Complaint filed!
I purchased a car in XXXX and had it financed threw nuvell. I paid on time until I got separated from my ex and he agreed to make my car payment instead of child support. He paid for XXXX months and in XXXX XXXX I came out and saw my car was gone. I called XXXX and they told me my car was under repo since it had not been paid on in months and it was just not in there system as picked up yet. I found on my credit that XXXX put the entire {$12000.00} loan as a charge off instead of a repo. I have tried for years to get this fixed and they will not do anything about the account. They also report a payment was made on XXXX/XXXX/XXXX but there was n't. They took the car XXXX/XXXX/XXXX. That would be XXXX months after it was taken. I paid {$15000.00} on the car when it was purchsed at {$12000.00}. I didnt still owe the {$12000.00}. They sold the car and will not post it as a repo and just put the amount I have supposedly left.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX . My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX Please Delete the following numbers, I am no longer associated with them : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
XXXX/XXXX/XXXX - I received email solicitation to refinance with XXXX XXXX and receive a {$500.00} Ocwen " Loyalty '' Reward. 
XXXX/XXXX/XXXX and again XXXX I notified the " loan officer '' that I had completed preliminary disclosure documents but there was no loyalty reward and the documents reflected an appraisal fee that was paid. I requested accurate documents. I repeated this request to another purported loan officer on XXXX/XXXX/XXXX and, again to a loan processor. This was by electronic mail, and I will attach copies. 
I never received accurate disclosures. 
I received an email on XXXX/XXXX/XXXX that I had withdrawn the application and asking for me to complete an opinion survey. I completed the survey, said that I had never received disclosures, had NOT withdrawn my application and demanded a refund of the fee paid on XXXX/XXXX/XXXX in the amount of {$450.00}. I repeated this request for a refund on XXXX/XXXX/XXXX by email to the purported loan processor. I have not received a refund. I will attach a copy of the charge on my account, see p. 2 charge on XXXX/XXXX/XXXX in the amount of {$440.00}. 
XXXX is as much of a scam as Ocwen.