WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint concerns : Bank account fees all credit and retail cards. It is a disgrace that the banks and retail are making money by charging high over draft fees. All charge XXXX . I had to cancel my bank account because of those fees. It cost me! XXXX of my social security check. I had made a mistake when I used my on Line Banking account with Wells Fargo. I also had a problem with Target. That overdraft fee was XXXX dollars because my last payment arrived on time but was a dollar short. Needless to say I cancelled the card .and paid them off. We are in a depression. Banks and retail love it. They make a lot of money with it, in today 's times. The lower middle class is suffering enough, and all the poorer folks are really suffering. The outrageous fees are not helping any one except the banks. Yes they all have a one time grace period but after that, there is no reversal of fees. They are making XXXX dollars. This system is a self defeating cycle. 
This issue needs to be addressed. Who decided that fee, and why is there no competition among banks to make it lower? I can only hope more people like me make a complaint in order to change it. 
XXXX XXXX, XXXX NC XXXX
After I become sick and put on long term XXXX due to XXXX, I had to apply for a mortgage loan modification with Ocwen. I started the loan modification with in XX/XX/XXXX. I did my XXXX months trial period. At the end of XXXX I called to see what to do next because I had not heard from them concerning if I was approved for Permanent Modification. I was told to continue to make payments which I did. I paid my XXXX payment on XX/XX/XXXX. I received my payment confirmation from Ocwen. I have been back and forth with The Office of the Consumer Ombudsman for Ocwen. I was told in XX/XX/XXXX by XXXX XXXX that there was still a PAYMENT ISSUE FOR THE MONTH OF XXXX which was during the time when Ocwen were switching over from the GMAC system to their new system and that my XXXX payment was not applied correctly to my account making it seem as though I am a payment behind. I keep receiving letters telling me that the issue will be resolved, XXXX it was by XXXX, then XXXX, then XXXX, they XXXX. Got several letters in XXXX saying the same thing. No one seems to be able to resolve this PAYMENT ISSUE and I can not figure out why. On XX/XX/XXXX, I talked with the The Office of the Consumer Ombudsman for Ocwen XXXX XXXX XXXX XXXX again. She said she had been working on the issue and have not been able to GET THEM resolve it. She asked me if I could send her proof of payment. I sent her an email on XXXX XXXX, showing her proof of payment from XX/XX/XXXX thru XX/XX/XXXX. I have not heard anything back from her. I have called her and left a voice message several times asking her to please return my calls so I can see what was going on. I was assigned different relationship managers to help me on my account also but they are not able to help. I have been getting the run around since XXXX. ALL I AM TOLD IS THEY ARE STILL WORKING TO RESOLVE THE PAYMENT ISSUE. My account is still saying past due and I am current. I have made my payments on time since the modification started in XX/XX/XXXX. Today, XX/XX/XXXX I called the Consumer Ombudsman office again and talked with a XXXX XXXX and she said it was not resolved and that she was going to look into it further herself. This is crazy! Ocwen continues to send me a late notices and letters on foreclosure. The representatives tells me to ignore them. This has been very unprofessional on Ocwen 's behave. I do not know what else to do. This is very stressful and unfair to me. It will soon be a year since I started this Modification. They told me that I was approved of the permanent modification only by word of mouth but not my an official letter. My statements are showing that I am under a Forebearance Plan until the issue is resolved. My account online shows that the loan was modified but I was told that until the issue was resolved I will not receive a written statement that I was officially approved for Permanent Modification.
XXXX2017 phoned Discover to make an additional payment of XXXX to my account. I was transferred 3 different times finally an account specialist, XXXX XXXX in AZ said to me, now that you have made this payment, you will have to be switched from an auto pay enrollment with a fixed amount to a minimum auto pay. She did say my payment would not be drafted until XXXX, I told her no I am trying to pay off my debt, not extend it. She then said my account had 20 months to pay but since I paid the XXXX it would now go to 8 months. I asked her what would have happened if I did n't call in, she replied we sent out letters stating that we had a glitch in the Discover system and some auto drafts were wrong and then it showed up on the customers credit as a " no pay '' I said I did n't get any letters. when she looked, she commented well, I do n't see that they sent you an email or a letter. Basically I had to switch to the new minimum payment I DO N'T KNOW WHAT THAT MEANS. She said my XXXX payment was still in effect.
I have been filing multiple reports with these three credit bureaus to no avail. Nothing has gotten done at all. I have an attached police report to this complaint and credit reports. There are so many items that do not belong to me on this credit report. I am tired of complaining and my next step is to file a lawsuit. 

The accounts that do not belong to me are : XXXX XXXX opened in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. Inquiries are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Every single inquiry on the report except for XXXX anXXXX XXXX XXXXXXXX auto are not his.
I filed a CFPB complaint with Trans Union on XX/XX/XXXX regarding credit reporting issues related to XXXX XXXX XXXX XXXX under # complaint XXXX. They answered and closed the complaint on XX/XX/XXXX. 
Today XX/XX/XXXX I ordered and received a new copy of my current credit report. Trans Union is now reporting an open auto loan with XXXX XXXX XXXX XXXX as well as a missed payment. This account was already closed and charged off as indicated in the attached report from XX/XX/XXXX. It has decreased my credit score and is now showing I owe money on an open loan that is actually closed and charged off. This is in violation of FCRA. I have attached copies of XXXX XXXX recent letter and images of how Trans Union was reporting in XX/XX/XXXX and XX/XX/XXXX. It is against FCRA to report a missed payment and revolving credit on a closed and charged off account. They will continue to report this every month until they fix it. During that time it will decrease my score every month. I am requesting they fix this as the loan is closed and charged off.
Hello, My name is XXXX XXXX. I have a full time job in XXXX, Florida and have a company registered in the state as XXXX XXXX XXXX This is a small company that I mostly use to earn extra cash as a XXXX XXXX XXXX XXXX ( after working in the XXXX XXXX  for almost a decade ). I also help XXXX XXXX  with XXXX XXXX XXXX. My XXXX XXXX  are post paid.

For my XXXX XXXX, I use PAYPAL to collect funds after the service is performed and the client is satisfied. OnXX/XX/XXXX PAYPAL limited the use of my account. They flagged my account as " high risk '' and I went through an appeals process where I provided explanations of my services, sent documentation of my company registered in the state of Florida, and other personal information for them to verify me. I immediately submitted all the requested information/documents and explanations in order to resolve the matter. After this, onXX/XX/XXXXXXXX XXXX PAYPAL rejected the appeal and decided to permanently freeze the account and hold my funds ( {$2000.00} ) for 6 months. I called on XXXX   XXXX  and asked for an explanation and their responses were vague, and they were not willing to help me identify exactly what activity violated the agreement with them. I asked them to please point out where in the agreement I could find a statement that would go in line with my alleged violating activity, and they refused to do it. PAYPAL continued stating that there was nothing I could do to get the funds released, due to security reasons.

Their behavior is quite unreasonable, and I feel that they are taking advantage of the small businesses. They vaguely argue the reasons why they freeze funds for 6 months, and offer no amicable solutions to resolve the matter with me.

Please help ask paypal to release my funds. There are thousands of Americans being victim of this type of behavior from PAYPAL. There has to be some time of illegality about their unilateral actions which do not have any specifically valid or reasonable explanation about their user agreement violation.

Other financial entities do not have this type of predatory behavior, and I request that PAYPAL stops hurting small businesses in our country.

Sincerely, XXXX XXXX
I had a {$500.00} personal loan in 2015. This loan went to collections & was eventually charged off. This year, I made the effort to correct this and sent a certified letter asking them to verify the amount due, and then a second one with a settlement offer. They never responded to my request, but began adding penalties and interest charges on a charged-off account. 

I called them twice after to try and settle the debt, & each time I was told that they would get back to me with an answer. I called them again today. I attempted settle this debt, and was upset at their lack of response. I spoke to the owner, I told the owner that I was attempting to correct my mistake and was willing to settle. They said no and wanted to play hardball. They said they did not care if I opened a dispute with XXXX  or CFPB that those entities do not do anything for them and they will do the best to keep adding charges to my account. I told them that I would settle the debt for a higher amount as long as they would put it in writing that once my payment is received they will deem the debt settled. They also refused to do that.
I 'm receiving repeat hang up phone calls from Midland Credit ( XXXX ). I do not have any collections and I 'm concerned that this is a phishing call when I called them back they wanted personal information that I would not give. 

Please help.
I had applied for a mortgage and found out that XXXX XXXX XXXX was reporting a collection account for a XXXX XXXX credit card debt. I have NEVER had an account with XXXX XXXX ever. I have disputed this account with all 3 credit bureaus over 4 times now as well as with XXXX XXXX. I have sent certified letters asking for proof of this alleged debt and all they have sent me was a couple of XXXX XXXX statements not showing anything that was actually purchased. The balances on the statements they sent me do NOT match what they are reporting to the credit bureaus either. I am filing this complaint against TransuinoXXXX XXXX, XXXX and XXXX XXXX. This is my last effort to resolve this erroneous account before i send this to my consumer protection attorney to sue them for FCRA, FCBA, FACTA and FDCPA violations.
Reviewed credit reports through annual site to obtain all 3 reports. Attempted to submit disputes for incorrect name spelling and dispute a social security number that is not mines. Called into Experian number that was listed on report to call. 1st customer service rep came on I explained what I was trying to do and she advised she would transfer me to dispute center. I heard music while waiting, line opened up and no one is saying anything the line is just opened and it has been for 35mins. I called back into the Experian number on another phone and proceeded to tell rep what the issue is and that my other call is still open on my other phone and no one is saying anything. The rep has the line open but is not saying anything. In order to correct issues on my credit report I expect to be able to talk with the dispute center. If the dispute department is taking calls then they should be actually taking the calls and resolving them not pretending to be on a call.
Our company has been using XXXX XXXX Mastercard for about a year. 
It was attractive to our company because it allowed us to use the card at select Big Box Stores ( XXXX, XXXX.. ) XXXX there was an internal change, customer service was moved to XXXX and during this change we were unable to view our invoices. Called several time to explain that the invoices were not available. They assured me that during this transition we would not be shut off. They also assured me that we would not be responsible for late fees or interest during this transition. Well we were shut off and were forced to pay the late/interest fees to get it turned back on. I explained that we were unable to make online payments and they said they were working on it. Also explained that all charges from big box store were not broken down, no description was given as to the hundreds of dollars spent. Again they reassured me that the IT department is working on this. We have decided to move our business to another company, as we feel it is unfair that we are promised one thing from customer service and then told another after we have been shut off. 
Informed supervisor XXXX of all the false promises, she said her hands are tied. 
Must make payment including late fees/interest for invoices that are incomplete and unable to make payment online. 
Used to be a good company gas card, now that it moved to XXXX it has been a disaster. 
WOULD NOT RECOMMEND THIS GAS CARD. 

They explained there was trouble with the
I was approached by Chase, which is my current mortgage company to refinance my mortgage loan. I was sent the paperwork to sign. The document package stated that it was time sensitive ; stating the signed Authorizations to Disclose Information documents should be return by XX/XX/XXXX 2015 ; the stated expiration date being XXXX XXXX 2015. However, I had not received these document until XXXX XXXX. These were signed and shipped in the pre-paid envelope provided on Friday XXXX XXXX. 
Additionally, Chase required certificates of insurance for flood and property. When I spoke with the designated Mortgage Banker XXXX XXXX XXXX XXXX by telephone call XXXX located in XXXX, AZ XXXX, I informed her that I would require an email address, since I did not have a fax machine. She stated that she would provide that shortly because she had to send me additional paperwork. I never received any emails from XXXX XXXX. I spoke with her again to request an email address in order to submit the COIs and any other documentation. I also informed her that I had never received any paperwork from her. She stated that she had sent me many emails. At which time I reviewed all my email Inbox. 
At the end of the call, she stated that the loan had been terminated because the paperwork was not submitted on time. I stated that I disagreed with that statement and 1. the signed documents were returned the day after they were received and 2. the COIs were pending her email information, which XXXX XXXX never provided. And as per the Chase document, the expiration date XX/XX/XXXX. Chase sent a follow up letter dated XXXX XXXX 2015. It states that " Unfortunately, we could n't approve the loan because we did n't receive the additional information we requested. As a result, we cancelled your application. " Based on the way this was handled by Chase and XXXX XXXX, there is no reason for Chase to approve this loan. Since it is not in their best interest, the interest rate would drop.
Recently, Transunion removed XXXX credit inquiries from my account causing my credit score to increase. Shortly afterwards, they added the inquiries back, causing my score to decrease lower than it was initially. I need these credit inquiries removed completely due to their error and damage to my credit report.
My house and everything i owned was lost due to hurricane Sandy. 
I am in the process of rebuilding my home and i have had to rent a place while my home gets rebuilt. 
I qualified and recieved a Certification of Eligibility Sandy-Impacted Forbearance Certification and presented this along with documented evidance that my home was being rebuilt and was denied by Seterus my mortgage provider. I am ccurrently renting another place while i rebuild and would like to have this forebearance honored by my mortgage provide Seterus which will help enable me to complete the rebuilding of my home while renting a place to live. 
any advise or assistance would be greatly appreciated. 
Please advise. 
XXXX XXXX cell - XXXX XXXX XXXX. 
Thanks in advance. 
Regards, XXXX
On XXXX XXXX, XXXX a lump sum payment of {$1400.00} was made to Lendmark Financial Services. The following month we ( XXXX and XXXX XXXX XXXX received a statement indicating there was a system update and they could only provide us with the next scheduled regular payment. This statement did not indicate the most recent payment of {$1400.00}. In XXXX XXXX, XXXX XXXX received a XXXX XXXX notification that the XXXX account had been removed from her credit report. In XXXX XXXX she contacted XXXX because her credit report had not been updated. The clerk at the local office indicated the problem would be rectified. As of XXXX/XXXX/XXXX the account is being reported with an incorrect balance of {$2900.00} with the last date reported as XXXX XXXX. The last payment indicated is XXXX XXXX and the status of said payment is unknown. The amount reported is not indicative of the lump sum payment or the subsequent XXXX and XXXX payments.
Around XX/XX/XXXX, I started receiving phone calls from Douglas Chancellor Meyers & Associates stating they were a debt collection agency and I owed {$29.00} for something. I hung up on them a few times over several days because I had no outstanding debts and considered it a scam. 
I received a letter on XX/XX/XXXX stating it was for XXXX XXXX XXXX XXXX XXXX XXXX. Again, I thought it was a scam because I never received a bill from the principal. 
The last time I saw XXXX XXXX was on XX/XX/XXXX for a consultation. I was billed {$220.00} for that office visit in XX/XX/XXXX, and mailed the balance due to them that month. 
All of this could have been avoided if XXXX XXXX would have billed me directly first instead of giving it to a debt collector. 
I have informed the operator at Douglas Chancellor Meyers & Associates twice in the last 2 weeks that I have paid the bill and to stop calling me. They continue calling, 1 to 3 times a day with a recording. The last call was today ( XX/XX/XXXX ). I pushed the " 0 '' option to talk to someone again, did not work. 
I attached the 2 letters I sent out to both parties. I can send the letter Douglas Chancellor Meyers & Associates sent me if needed - have to get it scanned somewhere first.
I have recently been informed that Equifax maintain a Tax Lien in their file under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing in the amount of {$31000.00}. 

XXXX County Recorder Case # XXXX does not report Tax Lien to credit bureaus. The New Credit law inXX/XX/XXXX says that federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. 

A Tax Lien filing is public information. Again XXXX County Recorder does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Equifax, XXXX, XXXX has found information on Tax Lien through third party research. 

Transunion and Experian have already removed this from their file so I sent 2 certified letters XX/XX/XXXX and XX/XX/XXXX to Equifax since they are the only one showing this Tax Lien to validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received a reply back from Equifax that it was validated by XXXX in which I never received anything of the such. So I sent them another certified letter again this time one to Equifax and one to XXXX requesting my signature to validate this information. This time Equifax sent me a Reinvestigation letter stating that XXXX XXXX XXXX is currently not reporting on the Equifax file. So not true, I requested another credit report and it was still there as of today. I did not get any results from the credit bureaus which has brought me to file this complaint. I will also be filing today XX/XX/XXXX with the Attorney General Office and the Better Business Bureau. This need to be deleted off of my record immediately as it is affecting my credit scores. I also sent them a copy of the New Credit Law where all the bureaus agree to delete all tax lien and judgements off of credit reports.
The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. However I have sent several letters requesting that XXXX, Experian and XXXX   remove the XXXX XXXX XXXX Mortgage account due to their failure to verify the accuracy within the 30 days. I then sent a follow up letter requesting validation of accuracy of this account and still the account is inaccurate and my rights are being violated. The XXXX  XXXX XXXX account is reporting that my payment history was " ok '' from XX/XX/XXXX until now, however look at XXXX report and they are reporting me as 120 days delinquent in XX/XX/XXXX, on Experian they are reporting me late from XX/XX/XXXX all the way up until XX/XX/XXXX! If the credit bureaus were taking my disputes seriously actually verifying the accuracy of this account, then why are the 3 credit bureaus reporting three drastically different payment histories. 
I am tired of being bullied by these credit bureaus and them not following the FCRA guidelines. Its unfair and causing me extreme emotional distress. Please help with removing this account from my credit files.
The only thing I understand from Financial Freedom 's response is that the monthly statements beginning in XXXX 2016 will reflect the " the estate of XXXX XXXX '' In Their statement they have said that they are waiting for " approval from the court to complete the rescission of the sheriffs sale ''. This leads me to believe that a case has been filed with the court. I therefore request that copies of the documents filed with the court to include name/jurisdiction of the court where filed, date of filing as well as case and docket number. For the record I have never mentioned that funds were advanced to XXXX XXXX. I simply stated that based upon the statements it would appear as such. I have also not received any documents that XXXX or FHA have direct knowledge of this issue or the estate. I would again request that documentation.
I contacted Synchrony Bank for my Walmart credit card account regarding the way my payments are being applied to my account, as I have both a zero interest promotional balance and an interest bearing blance. The rep stated that payments are first apllied to interest and fees, then it is applied to lowest interest balnce to highest. I verified to make sure I understood correctly that any payment above minimum is first applied to interest and fees, then it is applied to the lowest interest balance FIRST before being applied to higher interest balances. He stated this is correct and if I would like my payments applied differently, I can call after a payment is posted and let them know how I would like it allocated. I am confused because I thought the 2009 CARD act prohibited applying payments above the minimum balance to the lowest interest rate first.