WillisBack/dataset-financial-user-claim huggingface dataset:
I recently applied for a Barclays Visa card for XXXX Rewards. The main purpose for opening this application is because I wanted to buy a XXXX on 12 month finance. Shortly after my application I got an mail from Barclays asking me to call them and verify my information listed on my application. I called on XX/XX/2018 at XXXX to verify my information. They asked me for a copy of my proof of address, ID, and social security. I asked them if I gave them a copy of my passport and visa would it be okay or not, since I am here in the US on XXXX XXXX doing my XXXX at XXXX State and they said no and further said that it has to be a US passport. I am really surprised by this because this feels like discrimination against my national origin and it violates the Federal Equal Credit Opportunity Act. Please help me resolve this issue thanks.
In XXXX 2015 my wife left me leaving me with a whole lot of debt that I was unaware that I had. My mortgage company, Ocwen Loan Servicing , LLC, offered to lower my payment. The company had impounded my taxes and insurance and I received a letter of tax lien from the county collector stating that my taxes were not being paid. I received a letter from the county and called my mtg. co they told me to disregard the statement it must be a mistake. I have seen many discrepancies in just the statements that I am sent monthly. I am now in the process to hire an attorney to help with understanding what exactly has been going on. My escrow account has been in the negative although I have been on time every month since I started paying the mortgage myself. There is a " deferred '' balance that has been fluctuating throughout. In 2015, I received a form XXXX of a cancellation of debt for XXXX in which I filed with the IRS but I was never forgiven of that amount.
My mortgage company was switch three months ago to Nationstar Mortgage and I never received up to date statement. I try calling them, every time I call they telling me that they will male it. Even I made my payment for XXXX 2015, I just received letter today that they did not received my payment!!!!!!!!!!!!! Worst experience ever.
Promised to completely remove debt collection record if debt was not valid. Did not remove automatically as promised. Cited computer coding error from XXXX. Would not apologize. Said they did nothing wrong. 

Debt was sent to them for collection from XXXX. Called to tell them that it was already paid. They reported to credit bureau before I sent proof. They promised to remove completely if debt had been paid. Checked my credit report said and XXXX bureau had marked as closed and XXXX showed a zero balance. Called today to complain and they blamed XXXX. Would not apologize nor send me a letter that debt had been satisfied. 

If I had not called, it would still appear on my report.
The CFPB submitted my XXXX complaint against XXXX, them not allowing me to access my loan account on-line. CFPB here closed the file of such complaint allowing accepting XXXX response that-they XXXX saying they will not even entertain or answer the complaint because I did not have a my legal Representative my attorney XXXX XXXX XXXX, contact them to allow access, -so .... 
Obviously very so you guys here CFPB not doing your job letting them get away with such excuse for violations to federal laws. Nonetheless my attorney did advised and requested from the law firm XXXX XXXX, XXXX Fl, representing XXXX in my foreclosure case to allow my access to my loan account on numerous over XXXX times times now. XX/XX/2015/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/2015 and nothing yet for today still today XXXX XXXX 2015 I cant yet again access my loan account at XXXX on line. You guys here know why? dont be surprise obviously why yet again fraud by JPMorgan Chase Bank with XXXX by and through Fannie Mae Currently the record of my Foreclosure case, XXXX, Florida XXXX County Court XXXX Judicial Circuit shows that JPMorgan Chase Bank through XXXX authorized by government bank named Fannie Mae yet again once again in violation of the federal laws and violating XXXX XXXX District Court injunction decree to cease all the fraud and comply with the law or paid further greater penalties that could lead close down entity But no, you guys here not doing your job statutory mandated you must do. 
So come on lets do this and grab a hold of them, if not, then obviously you CFPB are allowing here fraud upon the people you guys part also of JPMorgan Chase Bank pack in the same plot.
I have been trying to open an American Express Serve One VIP prepaid account for the past month and a half, with no success. I used to have a Target Prepaid REDcard by American Express, which I closed in order to open a Serve account. On a recorded phone line on XXXX XXXX, 2016, XXXX in Account Protection Services stated : " rest assured that you will be able to sign up for another American Express Serve card. '' Nevertheless, despite numerous attempts online, over the phone, and by mail, I am still unable to open a Serve account : I keep on getting " Unable to Sign Up '' errors on the webform. I contacted them by certified mail on XXXX XXXX, 2016, and have yet to receive a response. The whole thing has been a big waste of time, and as of XXXX/XXXX/2016 I still am unable to open a Serve account as promised. I believe that American Express Serve is discriminating against me and similarly situated customers, and is not exercising due care in the management of personal data on their finance platform.
I was promised a {$200.00} bonus for opening my 'Sofi Money ' deposit account. I joined a waiting list and awhile later I was sent an email telling me my account was opened. At that time, I went to the companies website and read their FAQ which indicated the bonus was still active for new accounts. I followed the terms in their FAQ ( depositing {$500.00} ) and after not receiving the bonus, emailed the company. They told me the bonus was discontinued and have refused to pay it. They have now removed this from their FAQ but it was there at the time my account was opened and when I made my deposit.
After reviewing my credit report I notice a foreclosures from a mortgage company called Caliber Homes that I never heard of or had a mortgage with! The only mortgage I have had was through XXXX mortgage. I then realized there were XXXX foreclosures from the same property. My wife and I went to court and lost our home to XXXX in 2013. 

I submitted a dispute with the credit bureau regarding Caliber Homes and requested the name, address and telephone number, of who they contacted in order to verify the information. I informed them that I was putting a file together of all names, titles, and documents. This would provide me with legal documentation if I need to take this to court. 

. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 
I went to the county court and got a copy of the foreclosure all documents had XXXX. I spoke with the staff at the county court and they also could not understand how a company could place a foreclosure on a credit report without taking them to court because XXXX is a judicial foreclosure state. 
I 'm demanding the Caliber homes remove this from my credit report. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court.. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Please see attached documents.
Submitted a short sale offer to SLS Loan Servicing. Had to resubmit over XXXX times until acknowledged. Made over XXXX phone calls to SLS and have all contact numbers. Short sale finally approved and then still want info. can not get anyone to return phone calls and impossible to find status of file. No cooperation at all.
Lessee wishes to file complaint against lessor Ally XXXX. XXXX XXXX XXXX, MN XXXX regarding a leased XXXX XXXX XXXX. Lessee had vehicle detailed professionally which included removal of all minor dents and scratches. This process involved an insurance claim. Work was performed by a professional collision shop. Vehicle was turned in at leasing dealership onXX/XX/XXXX and the odometer read XXXX. The allowed extra mileage purchased was XXXX. The dealership confirmed it was in excellent condition and ally offered me to purchase for {$10000.00}. I took photos of the vehicle and turned it in. OnXX/XX/XXXX Ally hired inviso to perform a vehicle inspection. The inspection company took photos of the vehicle. They took a picture of a clean seat and cited it was soiled. A photo of the front of the vehicle exhibits a clean reflective scene of the pavement. They cited the '' front bumper had previous repairwork which was ok '' but claimed hood dents and chips but give no photo evidence. The front has never had collision repairs. They cited " rear bumper scuffed entire ''. Photo shows a flawless finish and no visible damage. " Decklid previous repair ok. The decklid has never been damaged or repaired. Lessee contends the vehicle inspection was done errorniously. OnXX/XX/XXXXAlly sent a letter asking me to sign an odometer statement and billed me for {$200.00} citing on this inspection " the left quarter panel had previous poor repairs and has orange peeling ''. The left quarter panel has never been damaged and the inspection photo does not exhibit any visible damage. I immediately contacted Ally to dispute the inspection and the billed charge. I discussed the lessee rights per the lease to allow for an independent inspection however I was informed by Ally that they sold the vehicle at wholesale auction for {$7700.00} immediately after the inspection. I explained should there be any alleged damage or flaw in the vehicle I would have had the collision repair shop that detailed it to fix it as they guarantee they 're work. I argued with Ally that know reputable body shop is going to leave some type of orange scratch or clearcoat peeling on a vehicle-nor would the insurance company allow for any inferior repair work. It makes no sense and I felt the inspector made an error in judgement or since they photo shows no close up or visible issue that they companies were acting in bad faith. The inspection and subsequent charges are false and frivolous. Ally could not provide proof of any repairs made. Ally has informed me via telephone they stand by the charge. They only charge to me is for the alleged quarter panel however the inspection cites charges for the rear bumper and hood however their own photos show no proof of any type of issue.
I had a suspension lifted off of my Dmv records including a point taken off after completing XXXX school and it wasnt accurately noted on the background check when ran. Please re run to see correction has been made as of XX/XX/XXXX XX/XX/XXXX
American Express opened 2 credit cards in my name fraudulently and they refuse to honor my statement that these were fraudulent accounts and they state there reason is because I made payment on the accounts, however I never made payments on these accounts, whoever opened the accounts must have made payments on the accounts, because it sure was not me. I have never paid on these accounts. I have also had fraudulent bank accounts opened in my name as well. They continue to attempt to collect a debt that I have made them aware of did not belong to me. I have contacted them and made them aware that this debt was as the result of identity theft, and they have refused to stop trying to collect the debt and continue to report this fraudulent account against my name and social security number. They have further more been provided a copy of my police report, identity theft affidavit and they continue to ignore the fact that this account does not belong to me. When I have attempted to speak to this company they have been very disrespectful to me and have tried to force me to pay a debt that does not belong to me. I feel that this company is trying to extort money from me over a fraudulent debt. My personal information was compromised in 2010 and every since then I have had people open all sorts of accounts in my name using my correct personal information that was obtained from the identity theft. This debt that they are trying to collect from me is absolutely not mine and they have defamed my character by listing and continuing to list this fraudulent information against me. A part of defaming my character they are also continuing to violate the FCRA Section 605B by refusing to remove this information they know to be fraudulent from my credit reports. <P/>Account Number XXXX Account XXXX XXXX
I submitted XXXX separate request for XXXX different schools I attended to navient for consideration of a borrowers defense foregiveness within the last XXXX weeks. I called both navient and the dept of education to check the status of these request and was told no record was found of the request. I 'm XXXX percent sure the request for the borrowers defense forgiveness was received as I received confirmation of this. I attended XXXX in XX/XX/XXXX-XX/XX/XXXX for a XXXX and was led tonbelieve I would have assistance with finding employment after completion of the program. This did not happen and I was unable to find employment as a XXXX period. In XX/XX/XXXX-XX/XX/XXXX, I attended XXXX career institute for a XXXX. Midway through the program, students learned that the school was being investigated for fraud in reference to student loans and was ultimately shut down by the dept of education after a lawsuit was brought against the school and its founder. Due to this, I was unable to obtain any documentation of completion or transcripts from the school or Dept of education due to my academic records being seized as evidence. Until this day, those records are unable to be located. I was unable to attend an XXXX to XXXX program due to not having access to these records. I was also unable to transfer my XXXX to any state but the state I was originally licensed in due to not being able to provide any transcripts ofrom this program as required for license by endorsement. I was unable to transfer credits earns from my XXXX to my school once i returned to pursue my XXXX degree. I had to retake the courses in order to further my education. This has ultimately cost me a lot of money and I would like to have my loans forgiven due to these facts.
My complaint concerns Nissan Motor Acceptance Corporation 's ( NMAC ) inept handling of my automatic ( ACH ) payments for the payoff of my XXXX XXXX XXXX. I purchased my XXXX from a XXXX Ohio dealership in XXXX XXXX, and set up the simple interest loan amortization through NMAC. After my down payment and trade in, my loan balance was {$14000.00} with an interest rate of 3.27 %, and 4-year payment schedule of $ XXXX/mo. This was to be withdrawn from my checking account in monthly periodic payments until XXXX XXXX. 

Payments were made periodically and monthly in the amount of {$310.00} from XXXX XXXX until XXXX of XXXX, when NMAC, for some reason stopped using ACH as the withdrawal mechanism. I was unaware of this, as I made NO change to my checking account to withhold payments. We love the car and certainly want neither a repossession of nor a credit ding. 

Today ( XXXX/XXXX/XXXX ), I got a call from an NMAC account manager who expressed concern that my account was now in default and my credit score would suffer. This is came as quite a personal and disturbing shock, causing me to feel anxiety as to how to resolve this. I told the account manager that no action or inaction on my end deserved this kind of treatment, credit downgrade, or any other impending action, despite the account manager being quite diplomatic and responsive. My bank had indicated to me that the drop of the ACH would have had to come from NMAC as they made no change to the account. This bothered me a bit all mid-morning, including the possibility of a credit downgrade, and potential auto repossession. 

The account manager gave me a number and personal extension to call back to clear this up. Now, I had been making PRINCIPAL ONLY payments, since this year ( XXXX ) but for some reason NMAC was partially applying those payments to the " soon-to-be delinquent '' account. Well this is a shock and underscores the incompetent XXXX who " upgraded '' the NMAC system to the tune of {$10.00} XXXX ( nice job XXXX ). 

I will supply further information to the CFPB as this proceeds forward.
I authorized one payment to XXXX XXXX for one court appearance and then fired him but on XXXX XXXX, 2015 this person tried to get more money out of me than the original {$500.00} I authorized. He tried to get {$1000.00} first from my American Express card and when that failed he received an additional {$500.00} from American Express without my permission or authorization. Then he asked me to withdraw my dispute in American Express so he could remove the charge. He sent me some emails saying it was a misunderstanding and that he was not cheating me on the money but he is apparently. I will not pay the additional {$500.00} he charged to my account on XXXX XXXX but will just terminate the card if necessary as I did not authorize he do this. He called me around that time, a day or so before he did it asking me if I had any other credit cards and I said I did not have any other cards to give him. I think this was a deceitful illegal act on this man 's part XXXX XXXX to do that as I never authorized him to ask for an additional {$1000.00} on my credit card or another {$500.00} which he tried to get when they would not give him the {$500.00} and I want that additional {$500.00} removed from American Express who never asked me if I authorized it. I know some banks call you when it is a large amount before they pay it asking if you did this with your permission or authorization.
For the last XXXX years of college I was ill advised to go with XXXX. I should have known a lending company was willing to allow a college student with several loans already. Every time I needed more money for tuition, books, or even rent for my apartment I was advised that I could get a loan. Then once I graduated I soon realized that I was way over my head in debt. I was paying at least {$600.00} a month after my 6 month deferment payments kicked in. After calling for years about my options of paying less, it was about XXXX to XXXX years later until I finally thought I caught a break with the lower interest program. I signed up over the phone and was told everything would be up in running, with automatic payments. Yet this didnt happen, I ended up finding out that after two months of nothing happening. Trying to work things out several times of calling XXXX but it was during the transition period to Navient. It ended up being almost XXXX months without paying. Which ended up turning even worse because they turned me into the credit bureau. As a result making my credit score drop almost XXXX points. I was advised by an email from a new company called Navient saying that they still needed a payment from me. I then tried to fix things with them and they could not take back and help me. It 's been an awful transition and working them has been terrible.
On X/XX/17, I reviewed my XXXX credit bureau reports, and mailed dispute letters detailing multiple inquires that I did not recognize OR authorize. There were only a few on the reports that actually belonged to me, so they were not included in the dispute letters. I am not sure if this is due to fraud, but I did not ask authorized these companies to access my credit reports. I would like to clear up these multiple errors. I have attached the letters that were sent to each Credit Bureau. The applicable inquiries are listed in the letters. The mailed letters were signed and dated.
Bank of America gave me a payoff balance to a credit card. I sent the check in full and asked to close the account. Bank of America did not close the account and charged me {$15.00}. They than reported it late for the next 120 days. At this point they closed it and removed the {$15.00} charge. This damaged my credit score tremendously and ability to obtain credit.
XXXX XXXX received correspondence from Wells Fargo XXXX # XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX on XXXX. The correspondence was addressed to XXXX XXXX XXXX with a mailing address of XXXX XXXX XXXX   XXXX XXXX XXXX XXXX AZ XXXX. XXXX XXXX XXXX does not live at this address and has never lived at the address. He has never used this address as his mailing address. XXXX XXXX then contacted Wells Fargo customer service department on XXXX at XXXX XXXX and talked to XXXX XXXX. XXXX XXXX asked XXXX what correspondence was in the envelope and XXXX XXXX told him the envelope was not addressed to him and it would be a federal offense if he opened it. XXXX XXXX then asked XXXX XXXX if he could see the correspondence through the envelope. Again XXXX XXXX informed XXXX XXXX that this is a Federal offense to open mail that was not address to him and that he was not going to prison for an error Wells Fargo made. XXXX XXXX than had a telephone conversation with XXXX XXXX and explained that he had received correspondence from Wells Fargo at his residence. Neither XXXX XXXX nor XXXX XXXX had any knowledge as to why this correspondence was sent to XXXX XXXX. XXXX XXXX XXXX and I, XXXX XXXX have a joint checking account with Wells Fargo. XXXX XXXX XXXX does not have a checking or savings account with Wells Fargo and is not affiliated with the joint account of XXXX XXXX XXXX and XXXX XXXX XXXX. A couple of week after XXXX XXXX received the correspondence on XXXX, I XXXX XXXX received correspondence in the mail at the following address and addressed to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. XXXX XXXX does not live at this address and does not use this address as his mailing address. WHY IS WELLS FARGO USING THE ADDRESSES ON OUR JOINT CHECKING ACCOUNT AND SENDING XXXX XXXX XXXX CORRESPONDENCE TO US? WELLS FARGO HAS ALSO FORWARDED THIS INFORMATION TO THE IRS USING THE ADDRESS OF XXXX XXXX XXXX  XXXX XXXX XXXX XXXX AZ AND XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. 
PLEASE EXPLAIN TO US HOW THIS INCIDENT HAPPENED AND WHAT STEP YOU ARE TAKING TO MAKE SURE THIS DOES NOT HAPPEN IN THE FUTURE. 
HERE ARE SEVERAL PREVIOUS MISTAKES WELLS FARGO HAS MADE ON XXXX XXXX AND XXXX XXXX ACCOUNTS. WELLS FARGO SET UP A DIRECT DEPOSIT FOR XXXX XXXX XXXX CHECK TO BE DEPOSITED IN XXXX XXXX ACCOUNT IN ERROR AND NOT XXXX CHECKING ACCOUNT SHE HAD WITH HER HUSBANK XXXX. ANOTHER ERROR, WELLS FARGO REMOVED {$3000.00} FROM XXXX XXXX SAVING ACCOUNT IN ERROR. THE {$3000.00} WAS TO BE REMOVED FROM THE JOINT ACCOUNT OF XXXX AND XXXX XXXX. ANOTHER ERROR A LETTER WAS SENT TO XXXX XXXX ADDRESS IN AZ THEY AT CD HAD BEEN RENEWED FOR XXXX AND XXXX XXXX IN THEIR NAMES. XXXX XXXX HAD NOTHING TO DO WITH THIS CD BUT THE INFORMATION WAS SENT TO HIM. 
I closed the joint checking and savings accounts in the names of XXXX and XXXX XXXX we had at Wells Fargo and we are now banking at another bank. 
WHY IS WELLS FARGO CONTINUING TO MAKE THESE ERRORS, TIME AFTER TIME, AFTER TIME, AND AGAIN AND AGAIN? PLEASE SEND A LETTER TO XXXX XXXX AND MYSELF EXPLAING WHY THESE ERRORS WERE MADE.
I faxed written letter to company informing them that this debt does not belong to me. This debt continues to be resold to various collection agencies and each time I have had to dispute with credit bureau to get it removed from my report. I have contacted the original creditor who informed me that they no longer own the debt and that it is documented that it was not my debt. I have requested that this company validate this debt by providing me supporting documentation that validates debt, company has sent no communication. This debt needs to be removed from my credit report as it does not belong to me.