WillisBack/dataset-financial-user-claim huggingface dataset:
A Florida company named " XXXX '' obtained information about a time share we owned, They cold called my spouse wanting to list the time share property for sale. her response was " no we do not need your services ''. XXXX then proceeded to produce and execute a contract for the property anyway without the knowledge that we terminated our interest in the timeshare through Timeshare exit team / XXXX. 6 months prior. When XXXX executed the contract it had the last 4 digits of a credit card which has never been in my possession, no CC number was ever given to them and they somehow managed to get a valid number on my PayPal account. When I noticed an XXXX dollar charge on my credit card I immediately called PayPal / Synchrony bank and told them the charge was fraudulent.They then investigated the charge and concluded it was valid because there were internet transmittal information and a XXXX signature on the contract. We disputed the proof they had and submitted and sent them our proof of termination of the timeshare 6 months prior the the execution of XXXX contract. The contract Synchrony sent us as evidence had been altered on the last 4 of the credit card number from the one I obtained from XXXX. Again I disputed this discrepancy, they re investigated and still refused to acknowledge that this was a fraudulent charge.After countless harassment calls from Synchrony for collection on the debt they submitted the case to XXXX for collection. I submitted a letter and documentation explaining that the charge was not valid and no further contact has been made by them. Next I filed a Better Business Bureau case # XXXX on Lifetime and # XXXX on Synchrony Bank, Lifetime did not respond at all and Sychrony denied the withdraw of the charges. Now I am writing CFPB in hopes that someone can help me resolve this matter.
I have previously sent a letter asking that someone look into the loan practices of Wells Fargo Home Mortgage, and to date I have received absolutely no no help. I am hoping that now, someone will check into their loan accessing fee fee 's for late payment that have been paid. yet it never be taken off the loan. 
I have pad XXXX late fees. and sent them to the person over the cu Customer Care group, XXXX XXXX. Who is the Executive Resolution Specialist This was previously sent to the Federal Reserve Consumer Help. The reference # is XXXX. I am writing because my sister is deceased and and it is impossible for me to get this resolved. In that I am not on the loan, but I have sent the information that my sister quit claim deeded it to me along with her death certificate. I am paying the loan through my bank account.
I know it 's been said there is no blacklist, but I 'm being denied loans for all kinds of reasons, this XXXX being the worst. This company denied me because- Our records show that you are a current customer. Oh really, I did n't know that.
Discover Bank erroneously deleted me as the primary account holder on my savings and checking accounts and assigned my daughter who was a joint holder with me as the sole owner of these accounts. As a result, I lost access to my accounts. Discover Bank then started withholding federal backup interest even though the IRS did n't require that I be subject to such withholdings. When my daughter brought what had happened to Discover Bank 's attention, they readily admitted to their error, surprisingly also admitted that this had happened before to other customers, and promised to undo it as quickly as possible. However, soon after agreeing to fix their mistakes they stopped working on it and communicating with us. Please see the attached letter for a detailed discussion of what happened.
XXXX is our loan service provider for our mortgage. We set up an automated payment request for the XX/XX/XXXX to pay our XX/XX/XXXX mortgage payment since we would be traveling out of state from XX/XX/XXXX - XX/XX/XXXX. We did not have access to email or US mail until we returned on the XX/XX/XXXX, but did have cell phone access during the entire trip.
On XX/XX/XXXX we received notification that our mortgage payment for XX/XX/XXXX was not made in a timely manner and that XXXX reported us 30 days late to the credit reporting agencies. Upon contacting XXXX, we found that the automated payment was not accepted. When asking why we were not immediately contacted, they told us that they had been reaching out via telephone, but upon further inquiry, they admitted they had the wrong phone contact number in their system and was unsuccessful in reaching me. Furthermore, the letter that was sent to us stating we are late for XX/XX/XXXX was dated XX/XX/XXXX, post marked XX/XX/XXXX and not received by us until XX/XX/XXXX. Clearly we were not notified from XXXX that the payment we had submitted was not processed and immediately upon finding out, we corrected the problem. It is for the reasons stated, specifically the wrong contact information and mailing of the late notice so late in the month, that we are requesting a credit suppression for the 30 day late report they are ruining our credit file with. On XX/XX/XXXX we requested a one time credit suppression due to the unique nature of this problem and Loancare states on their website that " within 15 calendar days following the receipt of an inquiry, we will provide a written response that includes details of how the inquiry has been resolved. This would be XX/XX/XXXX. A resolution was never given. Furthermore, they state that withing 5 days of the inquiry, " we will provide you with a case number and a toll-free number to call to discuss the issue and a resolution. '' This toll-free number was NEVER provided and NOBODY has ever discussed the case with us. This issue has now caused our credit FICO score to reduce by 60 points. We are currently working with XXXX XXXX XXXX XXXX to secure a mortgage on a new home and need to have this issue resolved prior to XX/XX/XXXX ( which according to the XXXX website should have been resolved by the XX/XX/XXXX ) or we will lose our mortgage commitment and our new home. We have made a reasonable request for XXXX to suppress the erroneous reporting based on them having improper contact information and XXXX is acting unreasonably. Especially considering that we have NEVER been late on ANY payment to XXXX or any other creditor in the last 14 years.
A robocall from Focus Receivables Management asked me to call them but offered no other information. There is nothing I know of that I owe and I will not call anyone without them giving me real information.
I ask XXXX XXXX XXXX to stop calling our home, I told her this would wake up my wife, I told her not to call anymore, and if she can mail any letters instead, she said the calls will continue until the bill is paid off, I said is n't that against the law, she said as long as you owe money, calls will continue. this is not my account it is my wifes, I told her I am recording this phone call she said o'k
XXXX XXXX agreed to remove all collections from the credit report and the reporting agency refused.
XXXX XXXX is currently in mediation with XXXX XXXX. The homeowner received the LM copy on XX/XX/2018, and once I received this, I sent to all mediation parties. 

The homeowner was the one that gave me a copy for everyone. Since I reviewed the first page, I noticed the XX/XX/2018 deadline. I asked XXXX XXXX for an extension since the deadline is only 1-2 business days from when we received it! 

The Attorney from XXXX XXXX said they couldn't give her an extension on deadline to send final mod back. The Attorney responded " This is not a servicer requirement but HUD/FHA. I will pass your request along, but I recommend not relying on extension. This needs to be priority. '' ( So the deadline to get a Notary, review all terms in this final mod and make sure it looked okay, talk to her Housing Counselor ( me ), get any questions answered, and send back XXXX was XX/XX/2018. This also required her to make the XX/XX/2018 Modified payment by then. There was no discussion of a grace period date after I asked them.
On XX/XX/2018 XXXX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX - XXXX-XXXX-XXXX as contact number on report ) requested my credit report. 

On XX/XX/2018 Valley National Bank ( XXXX XXXX XXXX, XXXX NJ XXXX - XXXX-XXXX-XXXX ) requested my credit report again without any authorization or explanation.
I went in for a procedure in XXXX of 2016. I was told the procedure was {$5000.00} flat fee all included and insurance covered it. I paid my copay and had the procedure done. Now, 2 1/2 years later, this is on my credit report for {$910.00}. Much of this is fees and add on XXXX. charges for surgical trays and a consultation that were never mentioned. I had the procedure on the same day as the consultation where I was given all of the information. They checked my insurance, verified it was covered, took my copay before they would operate and then performed the procedure. The attached invoice shows that the insurance company actually paid them more than their quoted price that they offer when someone inquires. The procedure caused many undesired complications which I am still dealing with and now the Dr. is trying to collect on fake fees and trumped up consult and tray charges. Seems to be more of a greed driven business than a Dr . 

I am happy to discuss and I will be doing anything and everything possible to get this false charge off my credit.
A former bank teller at Capitol One stole {$5000.00} from me years ago and quitCapitol One wo n't find the last name of the crooked teller that would take 20 minutes and commits a cover up for years on this
My property was foreclosed XX/XX/XXXX ( judgement entered ). I contact my loan servicer, Ditech Financial LLC, on several occassions asking loan modification application after I was pre-screened on the phone if I qualify for a program. XX/XX/XXXX, I received a notice that a Sheriff Sale has been scheduled for XX/XX/XXXX. I contacted the loan servicer, Ditech Financial LLC, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX to receive a loan modification application as the sheriff sale on my property was quickly approaching. I finally received the loan modification application on XX/XX/XXXX and a full packet of XXXX-page document was returned to Ditech on XX/XX/XXXX via Fax. Since then I did not hear anything from the loan servicer again. I called on XX/XX/XXXX ( 4 times and left messages to my assigned representative ), and on XX/XX/XXXX ( 7 times, leaving XXXX messages ). I finally got through to customer service at approximately XXXX. and I was informed that they will not review my loan modification application since it is so close to the sheriff sale of my property. 

I have called countless number of times since XX/XX/XXXX, I filled out online " contact us '' forms, '' and called at least 15 times in the last two months leaving voice mails asking that Ditech calls me and provides me with a loan modification application. They failed to do so, until the very last minute so that they would not " have to '' review the documentation and take away my home. Why???
While reviewing my XXXX credit report on Sunday, XX/XX/XXXX, I noted two items which do not belong to me and which I think may be related.

1 ) There is a home address listed that does not belong to me because have never lived in the XXXX. Please remove this misinformation from my credit reports. The incorrect listing is : XXXX XXXX Former Address XXXX XXXX XXXX XXXX   NEW YORK XXXX  2 ) There is a credit debt listed by a company with a {$830.00} debt listed I do not recognize but has the same address of one I do. Please remove this misinformation from my credit reports.

The unknown credit card company and balance is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ N/A Charge $ USD XXXXXX/XX/XXXX The known and acknowledged card company is called Renovate for a debt of {$810.00}. I paid that debt in full in XX/XX/XXXX. Its listing ( twice for some unknown reason ) is : XXXX XXXX XXXX XXXX XXXX, NJ N/A N/A USD XXXX XX/XX/XXXX A third error is with XXXX XXXX. After I paid my account in full, the bank closed my account and reported a derogatory comment. I have a XXXX balance and will never, ever do business with XXXX XXXX for its treatment of me both when I had my car financed by it ( which I subsequently refinanced at another financial institution prior to this transaction and since also paid in full ) as well as this credit card listed below. The error is that I owe it money which I DO NOT!

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT N/A Account closed by credit grantor $ USD XXXXXX/XX/XXXX I would appreciate these errors being removed from my credit histories. If you have questions, feel free to call me at XXXX. Thank you, XXXX XXXX XXXX XXXX
i called XXXX XXXX credit card to resolve this and they said i could not pay them and the account had been deleted but they are telling experian that the account is correct and that i am missing payments and they report to the credit s every month that it is a charge off and they have sold the account to XXXX XXXX so i called them to pay off the account but they said they had trans fered it to some one else so they could not take the money put they are telling experian the account is correct but i cant pay ether of them so i have ask them to be removed if they cant take payments on the accounts how do i fix it
I received a notification a bit before midnight XXXX/XXXX/XXXX that I had overdrawn my account by {$1.00}. Up until XXXX XXXX. when I checked my account it was in the positive. Not willing to leave my house in the middle of the night to risk my life going to the bank I waited to correct this. I figured that since I just got the overdraft there should be no reason I could not instantly correct this when BB & T opens. The next day, XXXX/XXXX/XXXX I made a deposit at the drive through to cover the negative only to find that {$1.00} had already cost me {$36.00} in fees in less than 12 hours. I called in to try to correct this. I was informed that there was no way to override to help me. I asked to speak with a manager and was hung up on. I proceeded to BB & T XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX and waited for XXXX XXXX. I informed her that I wanted to correct the overdraft. That I believe that I got it wrongfully and if she could please help. At that point, I had {$0.00} in my account from a deposit I made that only covered the overdraft. XXXX XXXX pulled up my account and informed me of my balance. I agreed and asked her to please explain how their overdraft works. That I did not understand what she was saying. XXXX felt it necessary to mention over 20 times that my balance was " XXXX cents. '' Every time I agreed, even after I realized what she was trying to do. However, telling me over 20 times that I have a XXXX cent balance is not an explanation. I then asked her to please print me off the overdraft policy form for written legal understanding. Once I knew she was not there to help me, but to try to belittle me in front of other customers mentioning over twenty times " You only have XXXX cents in your account. '' XXXX XXXX then informed me that I was going to " get hit with 2 more overdraft fees for pending items that have not yet posted. '' It took nearly 20 minutes to get her to answer a simple question of if I make another deposit with you now, will that cover things. Again, after mentioning my {$0.00} balance a few more times and avoiding my question she finally answered and said yes, it would cover the pending as long as nothing else goes through. I deposited {$50.00}, she said : " Do you have {$0.00} in this account too? '' That XXXX me off. That is when I knew for a fact that she was intentionally repeating my balance to try to embarrass me. I informed her that she has mentioned my balance over seven times in the last 3 minutes alone, and louder than anything else she said. Today is XXXX/XXXX/XXXX and the 2 pending items have cleared. Yet, I still have that {$50.00} in addition to my direct deposit my account. XXXX XXXX informed me I needed to make the deposit to cover the pending items to stop 2 additional overdraft fees. This banking institute has poor practice, no morals, and the complaints are horrible. Sadly, I am only now learning this. I want my overdraft refunded to me and a formal apology from the bank for XXXX XXXX 's actions.
I have a loan with ALLY FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and ALLY FINANCIAL with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2018.
My account with Wells Fargo was overdrawn due to an oversight on my part, I then in turn made a deposit to cover the overdrawn amount and the cover any additional payments that might have been coming into the account. The deposit was made using the Wells fargo  mobile application, the amount was received/processed and paid by the maker bank and the funds were released by  XXXX   XXXX . I notified  Wells fargo as to the situation regarding the deposit not being credited, I was informed by the initial Wells Fargo repre sentative that the funds were not released by the maker bank (  XXXX    XXXX    ).  I then proceeded to call  XXXX   XXXX  and they notified me that funds were released and the check was pai d to Wells Fargo, so therefore Wells Fargo would  be in possession of the funds.  <P/> I then called  Wells Fargo again to notify then if my conversation with the other bank, I was told that was n't true and that I would have to wait 10 c alendar days for the funds to be released by the bank. I explained again that  XXXX    XXXX   has already released the funds and the amount was paid. Therefore  Wells Fargo  was placing an unnecessary hold on the deposit. I was in turn passed on to an  executive customer service team that would be able to handle my request, after a conference call with both banks, it was confirmed that the funds were released to Wells Fargo, yet the representative on the phone then stated that though he had the ability to release the hold and therefore making the funds available to he would not do it and that I need to call the next day because it would be a whole business day later and then the funds would be released then or I would have to wait till Monday  XXXX  to have another manager  handle the request. I explained numerous time that I did n't need the money to make a withdrawal but rather to have the funds available to insure that payments that were to be made on the account would be processed.  <P/> I then explained to them that it appeared the bank placed unnecessary holds on the funds in order to keep the account in negative status so that they can generate additional fees in the consumer account. I
Wells Fargo wants you to believe, these unauthorized accounts are a matter of small dollar, random transfers of 10,15, 20 or so dollars between authorized and unauthorized accounts. This is grossly inaccurate. In our case, Wells Fargo opened a plethora of unauthorized checking, savings and credit cards accounts in the name of me, my husband and our businesses. Like peeling back an onion, it has taken an extraordinary amount of time and resources to discover these fraudulent accounts because Wells Fargo refused to provide a copy of the documents associated with these accounts. Wells Fargo, the organization, while simultaneously covering up their own liabilities continue aiding and embedding the parties involved in the perpetration these crimes.

And, its not just the missing money additionally, every dollar moved, transferred, wired, withdrawn ( et.al ) has taxable liabilities associated with these transactions by and through these fraudulent accounts. Making matters worse, Wells Fargo is continuing the victimization of their customers by withholding documents related to unauthorized accounts, precluding Wells Fargo victims from gaining access to the information needed in order for the victims to understand the totality of their liabilities and damages suffered. In my case, Wells Fargo told me these documents were deleted and/or purged from the system ..keep in mind, these are not old accounts. 

In addition to withholding documents from their victims, Wells Fargo has failed to comply with the stipulated agreement between Wells Fargo and their victims, to make Wells Fargo 's customers whole as a result of Wells Fargo 's fraudulent acts. Wells Fargo is being grossly untruthful with the Senate Committee, as evidenced in XXXX 2017 Wells Fargo Senate Committee meeting. The public is also misinformed. Wells Fargos victims are misinformed. 

The victimization will continue in perpetuity without further intervention from our legislative leaders. Wells Fargo is misrepresenting the depth and breadth of there deceptive practices, the number of victims who have suffered, the totality the losses suffered by the victims of Wells Fargo. Wells Fargo is continuing to withhold documents in order for the victims of Wells Fargo, such as me and my family, can determine the totality of our losses and damages and liabilities. Our family and our businesses have been devastated as a direct result of Wells Fargo 's fraudulent acts in direct connection with the systematic siphoning of money our family, our not-for-profit and related businesses.Millions of dollars are missing as a direct result. Tax levies are looming Wells Fargo is not making it right as promised. Wells Fargo is making it worse.
citi bank customer 25 years for months they will not all of a sudden refund interest sunday i called and after 5 calls still got nowhere even after a rep hung up on me then offered me soemthing instead of a credit then we got disconnected i called back and was told that citi was told to close my account something i never asked for after 6 calls i still have no credit now i know its valid i know i have been refunded before i also know with all my accounts in the past 2 years several times payments have not been posted correctly this is my account ending XXXX i am unable to use the card much now due to this. 
i am so disappointed that after my loyalty there is no refund of interest as a result i am unable to use my citi cards as i was. banks give more back in charge offs to bad customers. bad cusotmer service bad english costs me time more than XXXX dollars. i am disappointed. its greed and its not customer service. i want the account but will use my cards with other banks who would not insist on keeping XXXX dollars from me
I am filing this complaint because experian has fail to provide me with the documents that their company has on file to verify the accounts i disputed. Being that they have gone past the 30 day mark and can not verify these account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information that can not be verified. '' that i have disputed. Please resolve this matter as soon as possible