WillisBack/dataset-financial-user-claim huggingface dataset:
Once again, Fed Loan Servicing is failing to follow directions. I submitted a " do not pay ahead '' notice and received acknowledgment as I requested via email : RE : Payments [ XXXX ] XXXX XXXX, XXXX at XXXX XXXX From XXXXXXXXXXXX According to our records an email response was sent on XXXX XXXX, XXXX regarding removing Paid Ahead status from your account. On XXXX XXXX, XXXX your Standing Instructions were also approved. If additional assistance is needed, you may reply to this email or contact our customer service department. For your convenience, our contact information has been provided below. We recommend that you use the " Contact Us '' links on our website, MyFedLoan.org, to submit inquiries via a secure email form. Please use your email address on file when completing this form. You may also call us toll-free at ( XXXX ) XXXX to reach our Customer Service Department, which is open Monday through Friday from XXXX XXXX until XXXX XXXX XXXX XXXX XXXX. 
Sincerely, XXXX FedLoan Servicing Today I received the following letter, dated XXXX XXXX, XXXX : " You previously made payments in excess of the amount that was due. Therefore, you currently do not have a payment due this month. Your next payment is due on XXXX/XXXX/XXXX for {$100.00} '' Their incompetence is exceeded only by their devious business practices. I told them to continue taking {$150.00} each month as directed because the extra money I sent was to pay down the loan. I made this abundantly clear to them when speaking to a customer service person who directed me to send a check with that request on it, which they promptly disregarded. I then filed the notice and received acknowledgment of receipt of it. The fact that they continue to ignore my legal instructions is infuriating. I need your help in bringing them to justice. Thank you. Sincerely, XXXX XXXX XXXX
Hello thank you for taking time to review this letter about credit reporting agency. Equifax I pulled my credit to discover a XXXX, XXXX, XXXX score with Equifax , due to hospital bills that should have been processed and paid by the XXXX insurance. This has been reporting error ever month making my credit score delinquent. There is a fee of XXXX and XXXX that should have been processed by the secondary. this was never sent in by the provider until XXXX XXXX. This has been reporting delinquent for sometime. XXXX account for {$100.00} since XX/XX/XXXX that should have never been reported in the first place. please see previously recoded report # XXXX I contacted the vendor XXXX with no success. I am requesting your help with Equifax to report the correct information as well as requesting all of the points that were taken from me in error. 
any assistance that you can provide would be greatly appreciated. 

Thank You
I have made several attempts to rectify this matter with the credit agencies but they have not removed this inaccurate information from my credit file. I have address information that is incorrect on my credit file. This is a result of identity theft or they are reporting in error the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
WELLS FARGO HAS BEEN CHARGING ME EXCESSIVE CREDIT CARD FEES! I HAD A CREDIT DEFENSE PLATINUM INSURANCE PROTECTION PLAN THAT I PAY MONTHLY FOR THAT IS OFFERED WHEN APPLYING FOR A WELLS FARGO CREDIT CARD. THIS INSURANCE PROTECTION PLAN IS SUPPOSE TO TAKE CARE OF THE CREDIT CARD MINIMUM PAYMENT WHEN I AM HOSPITALIZED. I WAS HOSPITLIZED FOR TWO MONTHS AND FILED A CLAIM THROUGH THE CREDIT DEFENSE PLATINUM INSURANCE BUT BECAUSE WELLS FARGO KEEPS CHARGING MORE AND MORE LATE FEES AND HIGH INTEREST FEES AND ALL OF THE OTHER FEES TO MY CREDIT CARD, THE CREDIT DEFENSE PLATINUM INSURANCE STOPPED PAYING MY MINIMUM PAYMENT BECUAUSE THE FEES MADE MY MINIMUM PAYMENT TOO HIGH. MY WELLS FARGO CREDIT CARD HAS BEEN CLOSED FOR MORE THAN A YEAR BUT WELLS FARGO STILL KEEPS CHARGING ME LATE FEES, HIGH INTEREST FEES AND OTHER FEES EVERY MONTH FOR MORE THAN A YEAR EVEN THOUGH I CLOSED THE CARD OVER A YEAR AGO. I HAVE ACCUMULATED MORE THAN {$2000.00} IN LATE FEES AND HIGH INTEREST FEES FROM WELLS FARGO EVEN THOUGH I CLOSED THE CREDIT CARD ACCOUNT MORE THAN A YEAR AGO.
On  XXXX  ( app rox ) I received a modification approval from Ocwen for  our mortgage. On  XXXX  ( see attached proof ) we sent this in to them via email as requested. Also that same day I spoke to them and made my  XXXX  payment so that it would not be late due to the bank holiday. On  XXXX  we made our second payment and I was lead to believe all was ok. We never received notice that they did not have the paperwork nor were we led to believe that there was any issue. On  XXXX  I received my scheduled call from our Relationship Manager and at this time he tells me that our mod was cancelled because they did not have the paperwork.I confirmed this with a email. I then informed him that we sent in in on  XXXX  and at that time he confirmed it and told me that he would have it all straightened out and we would receive the final docs to sign in  XXXX  days. I gave it till  XXXX  and still nothing from them, so I called again, and again told everything is ok, they are working to get it resolved give it  XXXX  more days. So again I wait for the paperwork and again nothing, call them again on  XXXX . This time told its still in review and nothing has been done. At the End of  XXXX , they finally " approved '' the mod and sent me paperwork and we immediately signed and returned it to them via overnight at my personal expense ( also paid notary at my personal expense ) and we again waited. About a week later I get a call from my " relationship  manager  '' and now we are told first that the paperwork had an error and would need to be redone, so I spoke to the ombudsman office (  XXXX   XXXX  and she assured me that everything was correct and if there was an issue she would personally call me bac k. Again nothing for over 2 weeks, until I get again a call from my Relationship manager, and this time she tells me it was rejected due to missing signatures, ( see attached, everything is signed and notarized. So I speak to ombudsman again, and now again the story changes, now ( 3rd thing I have been told from people ) is the amounts are wrong on the paperwork and we need to get them re-sent and signed. So now we are 8 months into the process and still no modification and Ocwen is STILL report ing me as late to the credit services and still charging me fee after fee and extra interest.
The debt collector associate ( XXXX Last name unknown ) stated that I was two payments behind on the bill of XXXX dollars and cents unknown. When I called back to ask to file a formal complaint against the gentleman I was informed that I was actually only one payment behind. The associate also used abusive and inappropriate tactics to coerce me into making the payment during the phone call. After continued abusive language and verbally stating I was being made uncomfortable and being treated quite rude and unprofessional I ended the phone call abruptly.
I asked XXXX XXXX XXXX to cease and desist calling me at work ( only work not my cell which he calls multiple times a day ). XXXX XXXX informed me that he would not stop calling me and would be proceeding with legal action. 

XXXX XXXX explicatedly stated he was trying to collect a debt and was in debt collections.
I sent multiple letters that inlcude my drives license to TransUnion whereas I asked them to kindly correct the information that was false. In doing so, I provided TransUnion with a copy of my drivers license that they indicated was needed for proof to update their credit report and score.
On XXXX XXXX, XXXX my wife and I filed for bankruptcy under chapter XXXX. At that time our loan was held by XXXX XXXX XXXX. Starting XXXX XXXX and through the duration of the bankruptcy, all payments were made via the XXXX XXXX. A discharge under 11 U.S.C. 1141 ( d ) ( 5 ) is granted to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX By the court : XXXX XXXX XXXX United States Bankruptcy Judge. 
In XXXX, XXXX XXXX XXXX transferred the loan to Bayview Loan Servicing. In XXXX Bayview began calling my residence and claiming my payments, which were being made under supervision of the XXXX XXXX, were late. I contacted Bayview and was told that while all my payments to Bayview had been on time, XXXX XXXX XXXX told them the loan was one month past due when it transferred. Each month I would contact Bayview, sometimes they corrected the account, but then it would revert back to past due the next month and the " robo-calls '' and harassing letters would start again, which was not allowed under the bankruptcy laws. My credit report currently shows XXXX instances of late payment on this mortgage during our bankruptcy, which is completely inaccurate. Despite numerous attempts on my behalf, including providing them with a full history of payments made since the bankruptcy filing, they refused to correct the problem. This continued even after the bankruptcy has been discharged, and so finally, in frustration, I sent them an extra payment and pleaded with them to re-open the investigation and clear my credit. I have disputed this via the credit reporting agencies now several times, and still they will not correct the issue, which is hurting my ability to re-establish a good credit score and hurting my family financially. For some reason, they also continue to send correspondence to my attorney, even though the bankruptcy has been discharged and I have requested this change several times.
My name is XXXX XXXX I am contacting you regarding fraudulent inquiries on my experian credit report I have already contacted experian but they have done nothing to resolve the issue. There are two fraudulent credit inquiries on my experian credit report and I would like them removed because they are fraud and do not belong to me. I am a victim of of identity theft and I am including my police report to support my claim. Please make experian delete these fraudulent credit inquiries because they are fraud and do not belong to me and I would like them remove from my credit report at once. These are the two inquiries XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online
On XX/XX/XXXX I opened a checking account at Fifth Third Bank based on an advertised promotion. On XX/XX/XXXX I met the first requirement for the promotion and from XX/XX/XXXX through XX/XX/XXXX I met the second requirement and the bank is refusing to honor the promotion. I have statements from XX/XX/XXXX through XX/XX/XXXX which show the minimum balance requirement was met for at least 60 or more days. The bank dealt with me in a deceptive and fraudulent manner by refusing to pay the promotional fee after I met the requirements. After claiming I had not yet met the minimum balance requirement as of XX/XX/XXXX ( even though I have statements showing I did meet the minimum balance ), I prolonged the life of the account to meet the requirement resulting in the bank charging me more in service charges. The wording in the banks promotional offer " minimum balance '' does not specify average or monthly. The wording does not specify when the 60 days commence or terminate. This allows the bank to interpret things after the fact to the banks advantage and is deceptive and fraudulent of the consumer. Numerous attempts to resolve this with bank personnel led to unprofessional and insulting behavior toward me and an intransigence to seeing things from the customers viewpoint.
" " '' I have disputed this charge off on this XXXX XXXX   XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
XXXX XXXX apparently placed a bad debt in the amount of {$660.00} on my account for a XXXX XXXX balance. The initial report ( on my XXXX report ) shows XXXX, and they have reported the debt again as a negative item this month, XXXX. I have n't had a XXXX XXXX account since XXXX. I have had no recent account with them. The balance that was owed from XXXX was included in my Ch. XXXX bankruptcy filed in XXXX. I suspect that what XXXX XXXX and Enhanced Recovery Corp ( the original holder of the debt ) is attempting to do is illegal, and I 'm tempted to contact an attorney regarding the matter.
Shellpoint is acting in bad faith regarding a real estate transaction and in violation CA Homeowner Bill of Rights by denying borrower their legal right to short sale and illegally inflating the value of borrower 's property while disregarding known issues about unpermitted construction on property. Shellpoint has been advised about unpermitted additions done on this property yet they are refusing to acknowledge these facts and allot for the monies needed to correct this.
The collection company did not send verification of debt and right to dispute. The address information they had on file was incorrect. Other collection agencies have deleted their accounts due to this ( attached is an example ), but this company does not want to abide by the federal laws. I have made several attempts to communicate this to them, but have been unsuccessful in receiving a requested call back in over 30 days now.
American Express reduced my credit limit in half, now making the card over 90 % utilized. They claim this change took place due to an automated account review by their system, that there was no human review. Now in order to increase the credit limit to it 's original limit. I am forced to pay or send pay stubs within 30 days so that a 90 % utilization is n't reported to the credit bureaus. This is unethical and just poor customer service. If the CFPB can not help resolve this issue I will pay the card in full and close the account. I am a new customer and have only had the card 1 year, closing this account with this short history will not adversely effect my scores. I would also like to note that I have never been late or missed a payment, this is acknowledged by this credit issuer. I spoke with XXXX a supervisor and a Manager XXXX XXXX on X/X/2017. Who were both slightly rude and refused to restore the cards original limit. Amex says to pay or submit paystubs. This is a forceful bully tactic, I have other cards with now higher limits and better customer service. My income and employment status has NOT changed. I should n't have to jump through hoops to appease Amex because the demand it.
I have requested validation of the account that has been attempted to collect on from this collection agency ( XXXX XXXX XXXX ), and I have not received anything postal mail. It has been well over 45 days since original request was sent. First attempt XX/XX/XXXX and Second attempt XX/XX/XXXX. The collections amount listed on my credit monitoring site for {$680.00} and {$370.00} and I was never aware of such debt in writing.I specifically asked for a signed agreement and other supporting documentation. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Received letter that a toll debt was due from the Florida Turnpike. I paid the debt 3 years ago. Rather than listen to reason, the rep would only discuss that she can't see the original debt systems and she only knows what was referred to her. She even indicated that even if the original debt was settled I'd have to pay her additional collections fees. Lastly, she indicated I'd lose my car registration if I didn't pay. 

We're talking about a {$13.00} bill, which I obviously could just pay - but I'm very frustrated by the lack of accountability and the way the debt holder has distanced himself from the debt collector and just made it too administratively difficult to dispute - hence the customer will choose to double pay rather than jump through the hoops. I have a " receipt '' for the paid toll but it's just a line item in a 3 year old credit card bill, and they've since tacked on some fees so the amounts don't match, and they can't produce the original bill to show that the amounts would match. Due to the age of the debt, it's not something easily produced as a canceled check or something. 

The representative was reasonably rude about the whole thing and was making sarcastic comments when I offered to pay her something short of the balance just to make it go away. I mentioned to her several times that I thought she was being rude, and she informed me that I wasn't her customer, and this wasn't a customer service call ; and if I paid my bills, I wouldn't have to deal with people like her - or something substantially similar to that.
I get paid on the XX/XX/XXXX of each month and my credit payment XXXX of the month. so basically since XXXX they added {$140.00} dollars late fee. So i try to call and fix and get back to my {$75.00} a month payments and they say no pay {$300.00} and if not pay {$75.00} but we still gone charge {$38.00}. no real help like most companies wont let me change the dates or any adjustments to help me get back on track with payments. I contacted them to try to work something out XXXX & XXXX no help at all
Was denied a home equity line of credit after a 2 1/2 month application period in which I was continuously asked to provide additional income, tax return information and supporting documentation. Due to the extreme length of time to make a decision, Bank of America has pulled XXXX credit reports which has reduced my credit score and prevented me from being able to apply through another lender. I was told that my debt to income ratio was too high and credit score too low to be approved. This decision was reached after a 2 and a half month process? Had this decision been conveyed in a reasonable time frame I would have been able to apply through a different financial institution without additional credit being pulled and reducing my credit score. Every time the bank has asked for additional documentation, it was provided by my wife and I in a timely fashion. I would ask that the board investigate both the reasons for loan denial since it was not clearly explained and why the process took 2 and a half months to make a decision after telling me that my income, debt to income ratio and credit were not an issue.
To Whom it may concern, Citigroup will eventually be passing judgement on all of my transactions that might be considered politically incorrect. Starting with paying for time at my local shooting range, buying supplies for my church, renting a fishing charter, increasing my carbon footprint by purchasing air-fare or a down payment on a large SUV. Denying me the ability to purchase goods because the bank does not agree with my personal beliefs is taking a political stand counterproductive to business. 
Had I known this was the stance they would take I would not have opened my account. Honestly I will probably move my business elsewhere unless this is addressed. 
Thank you for your time and I look forward to hearing from you.
OUT OF THE MILLIONS OF BANKS WITHIN THIS ENTIRE WORLD, YOUR J. P. MORGAN CHASE BANK HAS TO BE THE MOST XXXX ; THE MOST ANTI XXXX XXXX XXXX ; THE MOST ANTI XXXX ; THE MOST ANTI XXXX WITH XXXX, AND ETCETERA,  SO-CALLED BANK WITHIN THIS ENTIRE WORLD!!!!!!!!!!!!!!!!!!. 

ON OR ABOUT, XXXX XXXX, 2017, YOUR J. P. MORGAN CHASE BANK HAD WRONGFULLY CLOSED MY CHASE CHECKING ACCOUNT. YOUR J. P. MORGAN CHASE BANK, AFTER NUMREROUS ATTEMPTS, COULD NOT ORDER AND SUCCESSFULLY MAKE PERSONAL CHECKS FOR ME WITHOUT ANY MAJOR MISTAKES, INCLUDING, BUT ABSOLUTELY WERE NOT LIMITED TO : THE PRINTING OF THE CORRECT CHASE BANK 'S CHECKING ACCOUNT NUMBER ; THE PRINTING OF MY FULL LEGAL NAME ; MY LEGAL MAILING ADDRESS, AND ETCETERA, ON THEIR PREVIOUSLY ORDERED SO-CALLED, J. P. MORGAN CHASE BANK 'S PERSONAL CHECKS!!!!!!!!!!!!!!!!!!!. NEEDLESS TO SAY, I HAD TO HIRED ANOTHER COMPANY TO PRINT, AND TO MAKE PERSONAL CHECKS FOR MY SO-CALLED, J. P. MORGAN CHASE BANK 'S PERSONAL CHECKING ACCOUNT!!!!!!!!!!!!. NEEDLESS TO SAY, AFTER YOUR SO-CALLED, J. P. MORGAN CHASE BANK HAD REALIZED, THAT I AM A PROUD PRACTICING XXXX, THEY ALL HAD DECIDED TO TOTALLY ILLEGALY AND TOTALLY UNLAWFULLY AND TOTALLY RACISTLY AND TOTALLY MALICIOUSLY, AND ECETERA, TO IMMEDIATELY CLOSED MY J. P. MORGAN CHASE BANK PERSONAL CHECKING ACCOUNT.
Back in XX/XX/XXXX I wrote to Sallie Mae to try and find out why an account for them was showing up on my credit report. Sallie Mae sent me a Student Loan Final Disclosure but nothing with my signature on it showing I agreed to be a cosigner for my granddaughter. I recently spoke with Sallie Mae Fraud Department. They say that they have a conversation recorded by Sallie Mae speaking with me where I admitted I cosigned for my granddaughter and that they do n't need a signature from me. I asked Sallie Mae for a copy of the recording and they are refusing, saying that I need to subpoena their records. The Maine Attorney General 's office referred me to CFPB to see if I can get a copy of the recording.The loan was taken out XX/XX/XXXX and they say the recording is from XX/XX/XXXX.
I was in the process of a loss mitigation claim with Freedom Mortgage and I received a letter dated XX/XX/2017 stating my claim was facially complete and I would hear from them within 30 days. Then, I received a letter from XXXX dated XX/XX/2017 stating that my loan had been sold on XX/XX/2017. I never received anything from Freedom Mortgage about this, I received only a letter from them dated XX/XX/2017, AFTER the supposed sale of my mortgage, stating that my claim was being processed.
According to Federal Trade Commission guidelines, a debt collection can not be valid without the following criteria from a debt collector : The debt collection must be bonded and licensed. There are no licensing requirements in the state of New York, but the collection firm must show evidence that they are registered to do business in the state of New York through the Office of the Secretary of State in XXXX, New York. No such proof has been submitted with the attached letter. The debt collector must be bonded, no proof of bonding was submitted. A signed copy of the legal right to collect must be submitted showing proof of any power of attorney, transfer rights or ownership. No such documentation was ever submitted. Accordingly, the attached attempt to collect a debt on behalf of Synchrony Bank/Lowes is deemed VOID. My complaint for such documentation will stand in any state or federal court. Therefore, I demand a full compliance before XXXX XXXX attempts any debt from me personally without proper documentation.
My home loan was through CitiMortgage, Inc. My homeowners insurance was through XXXX , Mo , expiring XXXX. XXXX XXXX did not renew my policy and did not notify me of the non renewal. CitiMortgage purchased force-placed insurance on the structure only, not the contents but did not notify me of this. My house burned down on XXXX XXXX, 2015. I called my insurance company and was informed I had no insurance. I called CitiMortgage and was told it was notified by my insurance company of the non-renewal and had acquired force-placed insurance, but did not notify me as required by XXXX. I received compensation for the loss of the structure but there was no coverage for the contents. My attorney wrote a letter to CitiMortgage and we have heard nothing. I have calculated my loss that was not covered. XXXX XXXX XXXX XXXX and CitiMortgage should be responsible for this loss. After my house burned down on XXXX XXXX, 2015 I called CitiMortgage. This is when they told me my homeowners insurance had lapsed. They sent me a letter telling me about the force-placed insurance on the same day and I am attaching it to this complaint.