WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I was approved on line for opening a checking account and brokerage account by Charles Schwab Bank. I setup a password and user ID and was able to log on to the account and select funding options. I decided to use direct deposit to fund my account. I also used online chat to verify the account was open and could be funded by direct deposit. No where was I provided any INFORMATION about the account not being fully approved. On XX/XX/XXXX, I reached out to my employer and setup direct deposit. My first deposit to fund my newly opened checking account was going to be on XX/XX/XXXX. Today I logged on to Charles Schwab to confirm if my direct deposit was received. When attempting to log on to the account, I was unsuccessful and received a message stating " this account is now closed ''. This message validates the account was approved and opened. I did not receive any information by email or paper mail informing me the account was closed. I called their customer service and was informed the account was not approved based on information obtained from my XXXX Credit Report. This is something they should have known at the time of approving and opening the account one week prior. My direct deposit will now be returned to my employer and a paper check will be mailed to me. It may take up to 10 days. Not only is this the primary inconvenience, I also closed my other checking account the day after opening the Charles Schwab checking account. There must be some form of legal action I can take against this pathetic bank/brokerage company. No big deal if I 'm not the client Charles Schwab is looking for, just let me know at the time I apply. Do not open my account and change your decision a week later leaving me with no money and a returned direct deposit. This is going to be difficult to explain to my employer about the direct deposit being returned.
We signed a lease with an apartment company XXXX XXXX in XXXX LA. They made us buy rental insurance in lieu of deposit and stated any damage would be charged to policy. We fulfilled our lease and gave 30 day notice. THERE was no damage to the apartment when we moved out. I have copies of 30 vacate notice letter. They turned over a claim to debt collection place. National Credit Systems., XXXX XXXX GA They have placed this debt on my credit report. I have never heard a word about this until now. I would think they defrauded the insurance company also. This is tantamount to extoration. I work very hard to keep good credit and pay my bills.
In my state, All XXXX credit reporting agencies are trying to charge consumers for a credit freeze. That 's insane. Especially for XXXX to be profiting off their own failure to protect data we never had the option to hide from them. You need to provide a method for all consumers to go to a centralized website where they can freeze their report at all XXXX companies, for free. 

Until that system is in place these agencies should be barred from charging these fees, and they should be forced to make the freezing process accessible and not hidden behind a series of attempts to sell credit monitoring. 

Additionally, I have tried to freeze my report with XXXX and the site was down. This is completely unacceptable when half of the population just had their financial information compromised.
This complaint relates to unresolved complaint # XXXX. 
The response submitted to me by Ocwen is not responsive. After spending approximately two hours on the phone with the Ocwen Ombudsman person assigned to my case, her response is still the same as when I filed the initial complaint. Her response still concludes that I am behind XXXX payment, which is precisely what my loan status was at that time. Despite confirming with her that every payment required by Ocwen of me - that being the regular principal and interest payments and repayment of outstanding escrow balance amounts - have been paid by me. The principal and interest payments due each month have been paid by me on time in the month due. The payments to repay escrow balances were fully paid by me once I became aware of the outstanding balance. There has been no outstanding escrow balance since XXXX XXXX, XXXX. 

After two hours spent, there was no dispute about this with her. 

I received a XXXX page response letter detailing Ocwen 's servicing procedures and accounting rules, which I do not care about. She concludes I am still delinquent by one month as of the date of her letter dated XXXX XXXX, XXXX. 

This simply can not be the case. I still need CFPB help.
This company calls numerous times day, multiple times a week. When answered, they will not identify the business matter. They will also not leave messages. The debt is a charge off by a different company. They have also sent letters through XXXX for direct delivery which is just dropped on the doorstep. They are harassing me and now they are threatening to sue. I recieved a letter on XX/XX/XXXX that I got off my doorstep via XXXX that saysI 'll be sued if i don't respond. The letter is dated XX/XX/XXXX.
I am a victim of identity theft and after being made aware ran my XXXX credit reports through XXXX, XXXX and XXXX. After doing so I was alerted to also contact XXXX XXXX and get a report from that agency. After receiving this report it did indicate a payday loan was established in my name with my SSN with XXXX/Red Rock, AKA Castle Payday in XXXX, MI.
We needed our car repaired and the cost came to {$1400.00} at XXXX we did not have the cash so the manager said we could get a easy pay loan and set it up over the phone after giving our information to someone over the phone he handed me the phone and a man told me that I could pay it off in 90 days same as cash or I COULD PAY {$140.00} for 12 months and I said I could do that and we had done that without fail the last 12 months never late. well on the 13 month they took another payment out so I called them and they were rude and said I owe for another year. they said I agreed to that no I did not, there was no contract sent to me only a over the phone agreement that I did without fail so I closed my account so they could not get another payment I do n't owe for.
I have never done business with AD ASTRA RECOVERY SERVICES. I do not have a signed contract nor any contract with AD ASTRA RECOVERY SERVICES. I am requesting debt validation for the alleged amount this company is reporting to my credit bureaus. This is not a request for alleged verification with a third party bill. If a signed original contract between AD ASTRA RECOVERY SERVICES and myself can not be produced you will need to remove your trade from all of my credit reports at once. You do not have permission to contact me by mail nor by telephone. Please keep all communications through the portal.
My Trans Union Credit Report Shows A balance After My Chapter XXXX Bankruptcy Was Discharged. 
Reference Number XXXX Court Circuit Court Date XXXX XXXX, 2012 Status Discharged in Bankruptcy Amount {$13000.00} Classification Legal Item Type legal items
In XX/XX/XXXX XXXX XXXX XXXX XXXX in XXXX XXXX CA, knowingly violated Fair Debt Collection Practices Act and The Limitation act of 1980 and put an unlawful lien/judgement against my bank account and they fraudulently withdrew {$850.00} for a debt they were collecting that I originally had with Capital One that the last day of activity was in XX/XX/XXXX. The debt at that time was 6 years past the 4-year time  limitation and over 10 years had passed from the date of last activity in XX/XX/XXXX. 
I was injured in XX/XX/XXXX and had to have several XXXX. I was not physically able to return to work until XX/XX/XXXX. I was a XXXX XXXX XXXX and was unable to receive unemployment and had no source of income, which is why I was unable to pay Capital One after XX/XX/XXXX. 
Prior to XX/XX/XXXX, XXXX XXXX XXXX XXXX had threatened and harassed me with letters and phone calls. I informed them the debt was over ten years old and they lied and said I had to pay it or they would sue me. They presented the bank with false paperwork regarding the debt and the bank allowed them to levy my account and they fraudulently withdrew {$850.00} from my bank account. The money XXXX XXXX XXXX XXXX stole from me was my rent money and they caused me severe financial and emotional damage. 

XXXX  XXXX XXXX also broke the law as they misrepresented the truth and presented false documentation in court on XX/XX/XXXX as they knew the debt was pass the 4-year time limitation and won a judgement against me for  {$5600.00}. I did not have the money to hire an attorney and the paper work was very confusing, and I have been emotionally distraught and mentally overwhelmed since the court issued a judgment against me for a debt that the date of last actively on the account was over 10 years old and that XXXX XXXX XXXX XXXX would blatantly break the law and violate the Limitation act of 1980 and the Fair Debt Collection Practices Act and file a lawsuit against me for a time barred debt. 

On XX/XX/XXXX XXXX XXXX XXXX seized {$24.00} from my account and are harassing me to make a payment plan with them for the capital One debt that the last day of activity is over ten years old.
I recently was discharged from chapter XXXX bankruptcy we were in for almost six years. We filed bankruptcy because we were in over our heads and I was not working a steady job. I am now working a steady job and have just enough money to pay the bills and raise XXXX kids who are both in school .today I received a letter from navient saying they bought a loan and I owe XXXX and I have to start paying it this month I can not do that or I'm going to be in the same boat I was in before ... I was under the impression that thus was all being taken care of seeing as how our lawyer XXXX while during the bankruptcy and we couldn't afford another on to ask questions so this loan is from XX/XX/XXXX and it is now XX/XX/XXXX I quit the XXXX   because my mom XXXX and then my father I couldn't handle it I did not pursue the career or receive a degree I do not feel that this is fair I told navient I had XXXX dollars in the bank and they said would you like to make a payment today I'm going crazy I've clawed my way out and now their pulling me back in I can not pay this.
Citi Bank Double Cash Card- XXXX XXXX XXXX XXXX XXXX , South Dakota . 

Was approved on XX/XX/2018-XXXX dollar credit, cash back and XXXX dollar annual fee.

I continue to receive letters and e-mails about my account. I have spent over four hours trying to resolve, why the card was not received. In XXXX, XXXX and now XX/XX/2018. The company passes me from dept. to dept. and places me on hold. 

Three times they have said, it would be sent via 2 day XXXX XXXX it has never arrived.
Transunion apparently had a security glitch. I contacted them in reference to inquiries on my account that were not mine and they told me I was not affected by the glitch ; even though they never brought it up to me first, I had to tell them I knew about it. They put me on hold to see if I was affected ; which I already knew I was but the agent told me I was n't. I have XXXX inquiries that should be on my transunion, equifax, and experian reports ; no more and no less. I have an excessive amount of inquiries that I did n't authorize or apply for on my credit reports. Please assist and advise.
Credit bureau was notified about incorrect information on XXXX XXXX 's credit report on XX/XX/2018 as well as XX/XX/2018. The incorrect information is a result of a mistaken identity, collections in negative from a company called XXXX XXXX. XXXX XXXX has forwarded deletion requests of these items to both Experian and XX/XX/XXXX These negative items with pending deletion requests still remain as of XX/XX/2018. Deletion requests forwarded to the credit bureaus on XX/XX/2018 according to the collections company.
Hi Equifax got my wrong date of birth from some sources.     To correct it I have sent  XXXX  documents (  DL & SSN )  to Equifax on   XXXX   XXXX  .     They confirmed over the phone they will update within  48 hours  but after even  one week they have not updated my DOB their customer service has no tractabilit y about all the document and they are completely clueless why they have not updated my DOB.       As a result, a result whoever need my credit report they are geeting wrong info and I completely screwed up.     Please help me to resolve this issue ASAP.     With Thanks   XXXX   XXXX
In 2014 a Bankruptcy was file and dismissed under my name. 

The Bankruptcy is being reported / re verified, reported incorrectly, to Experian by XXXX XXXX, in violation of Federal Regulations.

I.E. Fair Credit Reporting Act Sec. 1681C, mentions nothing in in this act on the disposition of dismissals or filings, the law clearly states from " Date of Adjudication '' or " Order of Relief '', in the event of a " Dismissal '' there is n't an " Order of Relief or " Adjudication ''.

or 1681 ( a ) 5 of the FCRA, for more detailed information. 

Therefore, XXXX XXXX is in violation of selling/reverifying public records to Experian, knowing they are in violation of Federal Regulations and Experian is aware of this and still refuses to remove said, Bankruptcy Reporting action, from my report, both companies need to be held accountable for knowingly violating Federal Law. 

So, all the reinvestgations have proven to be a farce and have n't held XXXX XXXX or Experian to the letter of Federal Regulations
I disputed a fraudulent account with equifax submitted the police report identity theft dispute letter and affidavit and equifax did n't block or delete the item pursuant to FCRA 15 U.S.C. 1681-c2. They stated the account was verified. This account XXXXXXXX account # XXXX is not my account I never had XXXX phone service. They also was reporting duplicate accounts for years I submitted CFPB dispute XXXX and they finally removed the duplicate accounts. Please delete account immediately from my credit report Pursuant to the FCRA.
This complain is about XXXX XXXX card ... while applying I was told to open a new card that I would earn a certain amount of points. 
Never got points, it was turned around on me and said I had to purchase. In the initial transaction online said transfer and new purchase. 

Second complain is about allocation of payment. I paid a lump sum in XXXX and majority was suppose to go to balance transfer. Only {$63.00} dollars was applied, and the rest was getting high interest rate. Every time a payment is applied it only goes to the first bucket of interest. According to my statement, the transactions are divided into two brackets. One is a higher interest rate than the other. So, I was paying higher interest rate for the balance transfer when money was apply to pay some of it off. The credit card company told me that they can't allocate payment.

So, if payment can't be allocated, why is there two bucket verses one payment. The statement is broken into different catergory. Please advise on this situation.

It's like buying 2 different purchase with two different interest rate. If it is so then a person should be able to allocate payment. If not then they owe me XXXX  point for opening a card with one interest rate as the rep claims. I believe to open a XXXX card was XXXX points or more at the time of promotion. 
Please advise to XXXX Thank You, XXXX XXXX
My wife and I contracted with XXXX XXXX XXXX to purchase a new home in XX/XX/2018. Our credit was verified at that time. The house was not started until XX/XX/2018. Our credit was run again by the builders mortgage company again in XX/XX/XXXX prior to the start of the home. I advised them that there was no need to run the inquiry because the home was not started and the existing report was good for 4 months. The home is still not finished and they are now going to have to run our credit once again. I have asked that they remove the inquiry, however, they stated they did not know how to do this and advised I would have to handle. The lender admitted to me that she made an error by checking our credit prematurely. We are asking for help in having this inquiry removed from both my wife and my credit report.
I am the seller of a home. The buyers did not qualify because of debt ratio on the day we were suppose to close. This process took 45 days. The loan officer missed ordering the appraisal and the buyers went over the required response after the home inspection of 5 days to counter. 

The buyers were pre-approved for XXXX. The sale of the house was XXXX. The loan officer updated an pre-approval letter to satisfy the contract. Now, the loan officer is saying that buyers lost their only income stream. The denial letter states Insufficient income, but in an email, she said they LOST their only source of income. Which would be Unable to verify employment ( if they lost their job ) OR, they were never qualified to begin with. Which means she didn't do her job correctly.

There has to be something that protects sellers for buyers remorse and people easily backing out of a contract and receiving their earnest money back, by simply calling and saying I lost my job, or can you get me out of this deal to the loan officer. My house is in a popular area and was taken off the market for 45 days and had multiple offers turned down do to the contract.

This defeats the whole purpose of earnest money!

Also, I had a contract on house with contingency to closing on my house. Which, I may lose!
My second mortgage was charged off and is outside the statue of limitations for collection in the state of Colorado. I am XXXX and have applied for a revers mortgage. I found out that the loan was sold to Ditech and they are now demanding that I pay the charged off debt. I want to lien removed per the XXXX laws.
BigPictureLoans set me up with a loan for {$200.00} starting on  XX/XX/XXXX . This loan should have been paid off in a few months but instead it has accrued from  XX/XX/XXXX  payment of {$120.00}, to  XX/XX/XXXX  payment of {$120.00}, to  XX/XX/XXXX , payment of {$120.00}, to  XX/XX/XXXX  payment of {$120.00}, to  XX/XX/XXXX  payment of {$120.00}, to to  XX/XX/XXXX  payment of {$170.00}. This shows that I have already overpaid them an amount of {$800.00} with a balance of {$300.00} to pay this loan off. This will put me at at least {$1100.00} if I pay the full {$300.00} that they show me still owing. I absolutely know that I should not have to pay anywhere near {$1100.00} for a loan of {$200.00}. This is  Extortion, Gouging o r just a plain old Scam. I definitely need help with this scam/matter to get the extra money back that they have overcharged me if I can be helped in this manner. Please give me a call if you would care to do so at  XXXX  /home-line  or  XXXX  /cell-phone..  You can also contact me by e-mail at  XXXX    XXXX   XXXX   XXXX   My name is  XXXX   XXXX   XXXX . my address is  XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX  Ohio,  XXXX . The original name of this company  is Redrock Tribal Lending, LL C d/b/a CastlePayday.com but changed to BigPictureLoans I will send copies of my online checking accout statements from   XXXX . to  the present time
Every year since XX/XX/XXXX, my Credit information has been mixed with my Father 's at all three Major Bureaus. I  have the annual battle most every year. Equifax in Ga. is the most blatant offender. I am XXXX XXXX XXXX XXXX. I did sign documents as XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is also Legally Correct as my Identity. I 've never Identified or Signed or otherwise AKA myself as other than what you read here. Banking, Legal Documents, Paychecks all have been with the XXXX as my NAME! In desperation in around XX/XX/XXXX, I started signing My Name as XXXX  to XXXX PROOF my name and protect my Identity. Yet the Battle continues as this year too I am engaged and embattled to protect my Identity. My Wife and I have been Victims of Identity Theft close to or more than 6 times since around XX/XX/XXXX. 
XXXX XXXX reported me as XXXX XXXX XXXX XXXX. I 've requested to fix this through disputes. 5 ( maybe 6 ) Times?? The FIX ; now I 'm my dead father - XXXX. 
Equifax reports me as XXXX XXXX XXXX XXXX. After 2 USPS Letters addressed to my XXXX Father, which I wo n't open. & Phone Calls. An online dispute netted a resolution of an Email was sent to me in : my XXXX Father 's name. 
. XXXX XXXX : Still mixing my Info with my XXXX father. idpute lodged, second response still the same. His name with a Credit report of his information about a XXXX XXXX XXXX he opened i XX/XX/XXXX. We went Bankrupt in XX/XX/XXXX, it was discharged in XX/XX/XXXX .. Irt was closed by the Grantor in XX/XX/XXXX. He XXXX in XX/XX/XXXX. Yet, it is still listed in MY CREDIT REPORT. 
XXXX .. I did not receive a report in the Mail as requested ... YET. 
All there of these re [ orted my Wife and I as paying as agreed on accounts way past the Bankruptcy Discharge Date. Well past 10 years stl reporting falsely.
I am unable to call or through the internet XXXX to find out if my Wife or I either had been part of the XXXX Recent foo pah .. 
Do you enforce the LAW? Please do ....
If I have a voided transaction ( Bluebird by AMEX ) and the merchant has already swiped my card, they will hold the funds for 8 days-even after the other merchant has processed the credit within 3 days. They wo n't even accept a receipt for proof.
I was alerted today by my credit monitoring service, XXXX that Ocwen reported my XXXX 2015 payment as XXXX days past due. The payment was made on XXXX/XXXX/2015 within my XXXX day grace period therefore it was not late. The payment was made via Ocwen 's automated phone service. The payment confirmation number is XXXX, amount {$8900.00}. I called Ocwen this morning and spoke with a XXXX, agent ID number XXXX. I explained my situation and she confirmed that the payment was made on time and she did n't know why Ocwen reported it XXXX days delinquent. I told her I wanted it correct immediately. She replied that it would take XXXX days to get the issue sent to their research department. I told her this was not sufficient as I am in the process of applying for a loan. I asked for a case person who I can follow up with as well as a case number and she said there was n't either. As you know, Ocwen has been the subject of over XXXX of regulatory fines and nearly lost their mortgage license in my state of California for these as well as other illegal practices. This erroneous report made my FICO score decline by XXXX points.