WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, my name is XXXX XXXX last year I entered a loan modification with then Nationstar Mortgage, now Mr. Cooper. 
I received a letter from the Attorney that assisted me with my Bankruptcy in XX/XX/XXXX from Mr. Cooper stating that if I was having trouble making my loan payments, when I tried to contact Mr. Cooper I received three different answers from three people whom I spoke to lastly end with a gentleman by the name of XXXX ( employee # XXXX ) and this gentleman informed me that he really couldn't speak to me regarding the mortgage because the bankruptcy attorney needed to forward a letter of release if i'm not mistaken and this letter would allow them to speak to me regarding the loan. 
But I was informed by XXXX that the months of XXXX, XXXX, XXXX, XXXX and XXXX were not paid. 
I was trying to explain to XXXX that this was an error and I have a letter from the mortgage company Dated XXXX XXXX that the mortgage was ahead and the next payment due was XX/XX/XXXX that being said I did a payment on XX/XX/XXXX in the amount of {$760.00} ( confirmation # XXXX ) which I thought would have kept current but from what I was told no at worst case I could understand them saying XXXX is still due. 
I feel that the errors should be corrected and that Mr. Cooper remove all negative information from all three of Major Credit Bureaus and I also would like to file a complaint against them for predatory lending Practices. 
in the Pdf. you will see all of the documents I make reference to but the payment made XX/XX/XXXX the confirmation number was given for reference thank you thank you XXXX XXXX
I am not aware is this account. I was not of age when account was even open. I would like this remove from my  credit score .
The western union service was installed in my agency but it was never fully operational, so no transfer of money was ever made. 
Western union tried to fix it twice but could not fix it. 
The person who installed the system told me that someone would contact me to fix the problem and it was not until after 3 weeks that someone contacted me to supposedly repair the system. That person who called me had confidential information about my account and knew that my account was not operational. He asked me to do some things on the computer to fix the problem. 3 days later I received an email indicating that I owed western union XXXX $ Someone made 7 money transfers from my account. whoever did it could enter to the main platform of western union or work for western union since it is the only way to modify the activity schedule of the account. ( XXXX to XXXX ) All transfers were made at unauthorized times ( from 7:31 pm ) I contacted the western union fraud number and they took my complaint, but nothing else. Days later they started to pressure me to pay them without even having an investigation of my case. 
Now they sent the case to the collection company ( XXXX XXXX XXXX XXXX ) and they threaten to affect my credit record. 
I tried several times to resolve the case with western union staff and there was no response. 

Companies involved : WESTERN UNION and XXXX XXXX XXXX XXXX
Dear XXXX  XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX
Chapter XXXX bankruptcy was filed in XXXX XXXX. Navient was one of several creditors notified of the filing. On XXXX XXXX, Navient reported to the XXXX major credit bureaus, XXXX, XXXX, and XXXX from XXXX - XXXX XXXX. In XXXX, they reported it as 90 days past due with the addition of 30 days up to and including XXXX which has me at 240 days past due. I 've had several conversations with Navient reps and have filed multiple disputes with Navient and through the credit bureaus. On XXXX/XXXX/XXXX, I spoke with two floor supervisors XXXX and XXXX. Both informed me that I would need to speak with New York XXXX XXXX XXXX XXXX XXXX ( XXXX ) to have them make the necessary updates in their system to reflect the bankruptcy back to XXXX XXXX so that they, Navient could reverse the negative reporting filed since per Navient, they do not have jurisdiction to remove the erroneous reporting because XXXX has to make updates to their system, in turn Navient will mirror their report. XXXX/XXXX/XXXX, I contacted XXXX, and spoke with a gentleman in the collection department, he informed me that Navient does have the jurisdiction and ability to reverse their report to the credit bureaus and that under the bankruptcy guidelines, they should not have reported the account as delinquent. XXXX rep shared that there is nothing that they can do on their end to reverse the negative reporting because it was Navient who was reporting to the XXXX bureaus monthly despite the bankruptcy notice. When I contacted XXXX, they directed me to you, the Bureau of Consumer Financial Protection for assistance. I am requesting assistance with having these two entities work together to have the late payment, past due payment, and balance amounts corrected with all three credit bureaus as soon as possible as reporting should not be made to credit bureaus while in bankruptcy.
I have been denied a home modification twice once when I lost my job now again asking for a reduction in my interest rate I have been paying the mortgage at 6.39 % since XXXX/XXXX/XXXX I lost my job in XXXX it was for a XXXX dealership that was cancelled by XXXX. At that time I asked TCF bank for help but was refused I have been taking on loans to pay my mortgage payments since XXXX. I tried to get refinanced but with my home being depreciated from a value of XXXX in XXXX by XXXX appraisal to in the area of XXXX now no bank will finance me without coming up with XXXX I have been told. I do not have that kind of money. They are charging me 6.392 % for the home mortgage and 5.23 % on the home equity loan. They again refuse to lower my interest. If it had been a government loan I would not have a problem with refinancing my home. I have paid every payment on time for the last 15-16 years. I have just turned XXXX just had XXXX XXXX this year have to borrow more money to pay them. May not have a job much longer yet they still denied me saying no hardship exist.
I was contacted by IC System ( Debt Collector ) about a {$40.00} debt that was owed to a Cable provider ( XXXX ). They had the wrong address on file and had an incomplete last name and wrongly spelled first name on file. They said I owed a debt from XX/XX/XXXX but said the actual amount was for equipment in XX/XX/XXXX. I did not use any cable equipment in XX/XX/XXXX. I contacted my cable company ( XXXX ) and they said they do not see any outstanding charges under my name. I believe this may be someone else 's debt because the address was wrong and the spelling was off. I am worried about my credit score and will be taking appropriate steps to contest this charge. I do not understand why I am being notified about a debt date marked as XX/XX/XXXX but it references XX/XX/XXXX equipment. Account number referenced was XXXX
Transunion has allowed an account to be put back on my credit report without verifying the account and not informing me. The account was removed XX/XX/2018, because the account isn't mine and couldn't be verified. The account was put back XX/XX/2018 under a new company and account number, but same amount and original creditor. I have attached the old and new information with this dispute.
On XXXX XXXX/XXXX/2016 I took a personal loan with Republic Finance located in XXXX, Georgia. My payment history had been satisfactory with them. During the months of XXXX I requested to change my payment date at which I was required to enroll in an automatic payment plan that drafted my payment via ECH. I submitted the form and waited for new payment date of the XXXX but no draft came out. I contacted Republic Finance and they stated they never received a payment from me nor did they receive my payment notice for ECH. An additional form was submitted in the month of XXXX and the receipt that form was confirmed with a customer service rep. On XXXX XXXX a payment was scheduled to draft for both my XXXX and XXXX payment but never came out. I contacted Republic Finance and was provided with the same story that they never received my draft request even after I confirmed it was received. Because of this it put my account in jeopardy of being delinquent and being reported to the credit bureaus. I contact Republic Finance several times but instead of helping me they requested payment. In XXXX I contacted Republic again to make a payment and I was informed that I could no longer send them personal checks for payments because I had two previously returned payments. They stated that I would have to pay them in cash or money order. I refused and asked where that was stated in my loan contract. At that time I was informed that it was a company rule and that it was not established in the loan contract. Republic told me that it was a corporate rule and that it would be enforced. When I told them about contact a government agency they then agreed to let me send a check. Over the past two weeks Republic Finance has been calling me repeatedly over six times a day with the use of an auto dialer to request payment. Earlier this week I sent a request for them to contact me via US mail and that a payment in the amount of {$550.00} was sent to them via mail. They stated that they refused to take the payment and it would be rejected. Shortly following I received a letter acknowledging my request and a letter stating that they would work with me to bring my account current. They Republic Finance was made aware of the check sent through the mail again via phone call but shortly after I received a send letter requesting the balance in full within the next ten days. This made me review my loan contract at which time I observed that the new loan contract was never signed by the lender or myself. All the signature lines are blank.
My BP Bisa/ Syncb credit card has been turned down numerous times none of which involved nonpayment or credit history. I called in today XXXX/XXXX/16 and gave them all of my information that they requested and they said they needed to send me an identity code to verify my identity and they needed a cell phone number. My cell was in my car and not with me so I secured it and called back. They sent a code to my cell and when they then said that they could n't verify it even though they had sent it to me. This same thing happened before with Sycrony Bank with my Sam 's club card. This bank ca n't get anything right. Now I have to wait 7-10 days to get a letter with a new code on it and I 'll bet it still wo n't work. I intend to terminate all my credit cards that are administered by Syncrony bank a I can not trust them to do anything right. Last summer I bought a new laptop computer at one of the large electronic stores and charged it on my Sam 's card through Syncrony. That charge went through and I then purchased some software for it in a separate transaction and they refused it. When I finally got through to Syncrony they said that my purchase of the software was an unusual purchase and that 's why they refused the charge. Duh! They let the charge for the computer ( {$1500.00} ) go through but refused the {$35.00} charge! What idiots.
Hello, I work with a small nonprofit organization who continues to receive calls from Joseph, Mann, and Creed regarding a debt that we have no knowledge about. They say that it 's for " Statutory Representation, '' services from XXXX XXXX XXXX. I 've asked for documentation regarding the representation and they have n't sent me anything. I 've been receiving calls for 4 months now. Please help, thank you!
The debt collectors have continusly harrased me with multiple calls per day, i have contacted them in regards to validating the debt on more then one occasion and i havent recieved anything.
I have disputed this account 3 times since XX/XX/XXXX and they keep telling me it is verified and. And have failed to show me what they have on file to verify it when I can't even get the creditor to respond to me about it
I am a card member with Barclaycard, specifically their XXXX, XXXX card. On XXXX XXXX, XXXX, at XXXX PM, I called XXXX and followed the requested prompts which connected me to Agent, XXXX ( they claim that they do not use names, only " code '' for identifying their agents ). I was calling to request that they assist me in cashing in XXXX of my XXXX for a {$250.00} XXXX gift card as reflected on their website. The agent claimed that he was unable to process my request and put me on hold for an extended amount of time and next thing I knew, the phone was ringing and an agent with XXXX was on the line. The XXXX XXXX and I briefly discussed my request to redeem my card rewards and agreed that I needed to discuss the request with Barclay not XXXX and he was unable to transfer me back to them so he confirmed that I had their telephone number. I immediately called the telephone number referenced above and reached Agent, XXXX who was actually the person that identified that my original call had been intercepted by a third party so not only my personal information but my card information was fraudulently obtained by an unauthorized party. He then assisted me with closing out the card and issuing me new one. He stated it had to be a third party due to the fact of the XXXX {$15.00} pending charges reflected on my account. He then explained that the pending charges would not happen if my request had been handled internally. At that point, we were at a standstill because I was waiting on my new card to arrive in the mail and we agreed that once my new card was received, I would call XXXX their Manager Line to activate my card and request the reward redemption again at that time. My new card was delivered to my house VIA XXXX sometime Saturday, XXXX XXXX, XXXX. On Sunday, XXXX XXXX, XXXX at XXXX, I called the Manager Line and spoke with Agent, XXXX who assisted me in activating my new and then we again attempted to redeem my rewards as stated above and she too was unable to complete my request. She then stated that she would escalate the issue to the Rewards Redemption Department and provided me with Case # XXXX. As of today, XXXX XXXX, XXXX, I had not heard from Barclay so I again called the Manager Line and spoke with Agent, XXXX at XXXX. I explained my situation to her and requested that she assist me with my request and she stated it could take up to 30 days for them to resolve my case. At this point, I expressed my frustrations to her and she claimed to attempt to process my reward redemption and was of course unsuccessful. I then requested the case number for the issue of my personal and card information breech and she stated that anyone investigating the case can request to speak with the Security Department. Screenshots of my call log, XXXX gift card options offered via their website and XXXX  Total were all emailed to XXXXXXXXXXXX on Thursday, XXXX XXXX, XXXX at XXXX and XXXX.
I recently went to a credit education class and one of things i was told was to monitor my credit report. I checked my credit report for the first time in awhile and i see a few items on my credit report that are not mine. I need these items deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I contacted the FTC and my police department.
I applied for a mortgage loan on XX/XX/2018, and was informed that there was a $ 9000+ collection account on my credit report. 

Later on XX/XX/2018, I informed XXXX, XXXX, and XXXX that they should have Eastern Revenue Inc report the account as a charge off as I have never did any business with this company, received any letters, or phone calls, nor had I ever heard of them when I saw and heard about the information on my credit report. 

I also asked each of the above credit bureaus to have Eastern Revenue Inc., at the very least report the original balance ( {$6500.00} ) as due because they are trying to charge more ( {$9300.00} ) than the original balance that has already been charged off by XXXX XXXX XXXX. 


Note : online disputes XX/XX/18 ( XXXX and XXXX ) ; XXXX  spoke with live customer service representative
Dear CPFB, At this point I feel as though I have no other choice than to involve a third party in order to get Citibank to cooperate with me and listen to my valid complaints. First and foremost, I have what was supposed to be a free checking account that I 've held for almost fifteen years without incident, but now almost never use. There appears to be many fees from Citibank attached to this so-called free checking account that I do not understand. Furthermore, when the account for some reason despite almost never being used became overdrawn, perhaps in part due to these mystery fees from Citibank, Citibank did NOT notify me. Instead, they allowed my overdraft account to become totally exhausted, in order to charge me additional interest and fees on the account, that much is clear, but rather than call me when this occurred, they sent me a letter which looked like an ordinary statement rather than call me. Citibank has claimed in said letter that they no longer have my contact information, even though none of it has changed in over ten years. This is either false on the part of Citibank, or it shows extreme incompetence in terms of their record keeping. 

The most egregious part, is that even though I sent a certified letter to my branch begging them to please call me to answer my questions, they have ignored my request and instead reported my as DELINQUENT to the major credit bureaus. Without one phone call, and I have banked there for almost 15 years! I have very good credit, pay my bills on time, and have never been delinquent on a payment in my life, yet Citibank who I believe has a lot of explaining to do to ME in terms of this account has RUINED my hard earned credit. 

This should not be allowed to happen. They should be investigated and they should provide me with the answers I am seeking. I can only wonder how many others may be getting treated like this by a major financial institution who seems to think they have no accountability whatsoever to their customers. 

Regards, XXXX
Hello, we are having challenges with Synchrony Bank/JCP ( the Mastercard company for JC Penney ).
The have charged unauthorized *Card Security Fees of {$30.00} per month* for 78 months. ( approximately {$2300.00} ) We have only just discovered this. The total of the fees exceeds the amount we owe the company. Synchrony/JCP says they will investigate and it may take up to two weeks. 

**Additionally we have paid interest fees as a result of these card security fees. We believe the fees have cause us to pay unnecessary interest. 

When we called the number associated with the fees they say they have " no enrollment in the system '' under this account number or name.
I discovered that XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI, has a collection of {$640.00} on my credit report. I telephoned the company and was informed the collection that they submitted was not submitted under my social security number. However, the collection appears on my report.
I was told by TimeMark Solutions Inc, that the reason that I was not qualifying for XXXX forgiveness was because I needed to have my loans consolidated and taken away from XXXX  for five payments of {$110.00}. However, after speaking to XXXX, this is untrue and I could have filled out the paperwork myself for free. The information was presented as if they all worked together for XXXX and they do not. TimeMark Solutions Inc. is a third party company that is getting over on people when I am already struggling to repay my student loans. The money paid to them could have been paid towards my loans. Is there any way that I can get my money back?
This debt was discharged in my bankruptcy. I wrote to the collection agency. They responded saying that they would remove this derogatory mark within 30 days. This was at least 5 months ago.
my wife made a payment to midland co. in agreement to settle a debt, for a one time lump sum payment of approximately half the total amount of said amount by debt collector. Midland Co. they agreed to settle the debt for {$600.00} dollars, as a one time lump sum payment! My wife paid the agreed amount, then Midland did not Honor their agreement! They lied and continue to harass us daily!!!! Thank you for your time & consideration. RESPECTFULLY SUBMITTED XXXX XXXX
I have a {$50000.00} CD account with Wells Fargo. I have had this CD at the current location for 9 years. It is a 5 year CD that has already renewed once with the maturity/renewal date of XXXX. I received a letter on XXXX that my local branch of Wells Fargo is closing in XXXX XXXX. I called the branch today XXXX to see what I needed to do to close the accounts that I hold there and move them to another local bank. They informed me that I would have to pay early withdrawal fees for closing the CD that I have before the maturity date of XXXX XXXX. I asked the bank to waive this fee as they were closing the branch that I banked at. The person that I spoke with at my local Wells Fargo was very polite and friendly. She told me that she would check with management to see if that was something they could do. She called me back later today to let me know that they had received email confirmation from the main Wells Fargo Bank head quarters that they would not waive any early withdrawal fees. I then asked to speak with someone at the head office and was given this number to call ( XXXX ). I called this number and spoke with a lady that confirmed what I was told at my local bank. I am only moving my account because the branch is closing and I do not wish to drive 45 minutes to another Wells Fargo bank to do my banking when I have XXXX other local bank choices. The bank states that they are not closing Wells Fargo ( they are only closing the branch that I bank at ).  Therefore, they will not waive the early withdrawal fee. If I were moving they would not have a care in the world about me as they do not have a care in the world about moving my accounts to another bank further down the road. It seems that if they move or close then I should be happy about them taking my money with them or that I have to pay them a fee to keep my money local. Well, I am not happy about any of this. Where the XXXX did customer service go?