WillisBack/dataset-financial-user-claim huggingface dataset:
Summary : I opened a credit card account with Bank of America for a balance transfer. It is 0 % interest for XXXX months as long as payments are on time. Every time I log in to pay my monthly bill, I 'm told that my account is frozen and I need to call an XXXX number. I am unable to pay my bill. 
Details : I registered on-line to pay my first bill ( I pay all my bills on-line ) and when I attempted to pay my bill I received a message that my request could not be completed due to the status of my account and was instructed to call an XXXX number. I called and was told that it takes 10 days for my account to become active and available for online bill pay. I paid that bill over the phone - I said {$50.00} and {$51.00} was submitted. Last week I attempted to pay my XX/XX/XXXX bill of {$50.00} XXXX pymt # XXXX on this account ) and several days later received an email that my payment could not be processed due to the status of my account and to call the XXXX number. When I called, I was told that the routing number for my institution has changed. It has not - I have had that account for appr 10 years. I now have a late fee on my account. The man I spoke with on this call said that I was misinformed, that it does not take XXXX days for my account to be active. He said he corrected my routing number in the system and that I had to wait for XXXX hours to pay my bill. I attempted to do that again appr XXXX hours ( just to make sure they had enough time ), and received the same message that my request can not be processed due to the status of my account and to call the XXXX number. I attempted to do that. When I finally got through the menu and was told to explain in a few words what I needed, I said, " Bill Pay '' and the next thing I heard was " Good-Bye '' and was disconnected. I called in again, got through the menu and this time simply asked for a representative, and was told that the call volume was high and my wait would be long and to go to the website. My late fee has now increased. This is a 0 % interest card as long as the payments are on time, and they are preventing me from paying my bill. Interesting scam.
In XX/XX/XXXX I had a family member steal a lot of money from me. I could no longer pay my bills and I did not want to claim bankruptcy. I chose XXXX XXXX to help me with my bills. I owed Mariner Finance {$2400.00} which I was paying {$130.00} a month on. XXXX XXXX attorneys made a settlement for me with Mariner to pay {$200.00} a month for 12 months to pay off the {$2400.00}. The last payment was made XX/XX/XXXX. Mariner refuses to update that this account to the credit agencies. Two agencies say I owe Mariner {$320.00} and another says I owe Mariner {$770.00}. I have paid them every XXXX I owed them and I have disputed with all 3 credit agencies, XXXX, XXXX and XXXX. They all tell me Mariner has told them I owe them money. They refuse to fix this problem and I have asked for them to send me a letter stating that this is paid in full and they refuse to do so. I do not know how they can get away with these kind of practices. The only thing I have to show I have made these 12 payments is what I printed off the computer from XXXX XXXX. I hope you can help because I do not know what to do anymore. 
Thank you for any help.
I informed the XXXX credit Bureaus that XXXX accounts on my credit was not mine and to provide me proof or immediately delete the accounts, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. The XXXX accounts I demanded deleted were Prosper Market Place XXXX Unverified Account and XXXX Bank XXXX Unverified Account the credit Bureaus have not done so and have not deleted these XXXX accounts.
I lost my job because I have XXXX XXXX I can not work like I used to, and got behind on my mortgage but the first time I sent payments to OCWEN but they refuse the payments and send them back to me. I called them and they said they would only take a payment if I did the payment through them. I did this they wanted XXXX dollars every two weeks. This is XXXX more than my mortgage. I told them I filed for help and modification and forbarence but they said it did not matter I had to pay them. I told them I would do it the first two times but then I went back to making the payment through my bank which they return a payment again. Can they return my payments when I am making over my monthly payments? I told them I finally got a new job but it may take me a few to get caught up. They stated ok but I need to only pay through OCWEN not my bank. But they charge me a fee to do that and my bank does n't. OCWEN also charges to mail stuff to my house and inspect my property which my house has never been inspected from OCWEN. I keep getting letters to file for a modification but I have several times. No response. I just want to pay my mortgage and get caught up. This is the third time this company has messed with taking my payments, raised my mortgage and when I call and ask why they always say it is taxes or escrow, I just want my loan to be modified with a decrease in payment or go to a different servicer. I just want to pay my mortgage and keep my home.
I had a loan with National City Bank and subsequently learned that National City Bank had been sanctioned by the DOJ and CFPB for unfair discrimination against XXXX/Americans and XXXX. National City Bank was supposed to make payment on this class action law suit during the first part of this year. They have not paid and offer no date as to when they will pay or any substantial information.
I have repeatedly requested corrections to my name spelling, address, employer etc. and they've failed each time to honor my request. I'm sick of sending certified letters to them asking them to correct the information I've asked to have removed from my report. It's not rocket science therefore shouldn't be difficult. They have left the erroneous info on my report without correcting it. This time I want it corrected and a report showing that they've done so.
my debit card was lost on XX/XX/XXXX unauthorized charges of {$140.00} {$220.00} {$43.00} {$35.00} {$240.00} {$380.00} {$8.00} {$4.00} {$17.00} {$140.00} {$470.00} {$400.00} were all made in the span of the XXXX and XXXX, I noticed the unauthorized charges via mu online banking on or around the XX/XX/XXXX and immediately called wells fargo and disputed and reported it. The representative did not notate the account or claim correctly leading me to have to follow up several times and have more terrible notation occur which complicated what should have been a simple reversal they are for places i have never shopped or heard of. the merchants i had heard of i was able to contact and have the transaction stopped before items were shipped. 
some were online some where swiped NONE of which included my Pin #. 

after several hours of speaking with resolution specialists who were also very rude, Wells fargo was beyond unprofessional their handling of the investigation and simply stated they would not cover the fraudulent transactions.
My house payment includes taxes and insurance. My mortgage was transferred from XXXX XXXX XXXX to Nationstar Mortgage on XXXX. With Nationstar my escrow payment has been XXXX, it has increased to XXXX as of XXXX XXXX. I contacted the company on XXXX, and spoke to XXXX, located in California, to find out why this has happened. I got 2 different reasons, and neither one made sense to me. I asked to speak to a supervisor, was on hold for approximately 5 minutes, then was told he could n't reach the supervisor. I asked him what government agency oversees mortgage companies, he told me Nationstar could do that internally. I declined, and I stated I wanted to use a Government consumer agency, and we ended the call. Also, they are changing their name from Nationstar Mortgage to " XXXX XXXX '', not XXXX XXXX Mortgage, just ... XXXX XXXX. That sounds like a scam to me, or some other illegal operation. I have attached the records of my payments, and what I believe, is the inflated escrow charges. Thank you for any help you can give me. I will also file a claim with the Consumer Protection Bureau, and the Oregon Department Of Justice Financial Fraud Department. Sincerely, XXXX
XXXX/XXXX shows a inquire on my credit report on XX/XX/2018 but I never gave them written authorization to run my credit.
We have an interim construction loan with Willow Bend Mortgage. They released {$22000.00} to our builder at closing ( XX/XX/18 ) without our knowledge. They informed us on the closing disclosure during the closing process. However, they did not verbally inform us and we missed the fine print. 
The builder requested a second draw ( XX/XX/18 ) which we approved thinking it was the first draw. The mortgage company did not require the builder to provide any invoices, paid permits, or any kind of proof that the first draw had been used according to the draw schedule. At the time he requested the second draw he had used {$2100.00} towards our property of the {$22000.00} he received. Additionally he received {$5000.00} earnest money. 
The mortgage company has defend the builder and applied no pressure for an accounting of the money drawn ( {$39000.00} ) their stance is I know it seems like a lot of money to you but its only 7 % of your loan its not our job to go knocking on peoples doors to get your money back this is between you and the builder Our issue with the bank is that they gave him the second draw without any documentation that the first draw was used appropriately. We understand with the first draw its an upfront draw so there isnt any proof required with that first soft draw. However, with the second draw there should have been some type of checks and balance system in place.
This correspondence is in response to my request for a courtesy/good-will credit retraction and the response I received on XXXX XXXX, XXXX. In the letter I was told that such late payments on credit reports could not be removed due to regulations promulgated by the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXX XXXX XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). Here is a link to the FTC advisory opinion I am referring to in the rest of this letter. https : //www.ftc.gov/policy/advisory-opinions/advisory-opinion-harris-03-22-99 The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 
XXXX XXXX XXXX representatives told me that because the delinquent payments were accurately reported in XXXX and XXXX of XXXX and that XXXX XXXX XXXX will not update this information. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *
AFNI collection agency has reported an account to the Credit Bureau as being delinquent and in collections. This company has not attempted to contact me VIA telephone nor US mail. The address they have on file I never lived at. They have not validated this debt with me. The original account was with XXXX XXXX XXXX and after reviewing the police report and Identity theft affidavit they determined that this was not my responsibility I am currently with XXXX XXXX XXXX and account is in good standing. Would a company allow me to continue to have services if I have an old balance. They are in violation of The Fair Credit Reporting Act. This is not fair to me as a consumer. Please do not share any of my contact information with this company.
I am a target of predatory lending practices form my loan company, Freedom Mortgage. I have recurring bi-weekly payments through this company, and they are charging me an NSF fee for a payment that cleared their system on XX/XX/18. The payment shows it cleared my bank account on XX/XX/2018. I called and requested a review of the fee as the payment never bounced, and both their system and my bank account show the payment cleared as scheduled. After reviewing this fee they are now telling me I need to provide them additional documentation showing my bank account balance from the period of XX/XX/18 through XX/XX/2018. This fee is completely bogus, and they have even admitted that the payment shows it clears on their end. They are attempting to make me clear hurdles and jump through hoops to rid myself of this unnecessary fee. I am concerned that this predatory practice of tacking on bogus fee 's and then requiring the consumer to provide documentation to show otherwise is likely being perpetuated on other customers of this company. I fortunately keep good records, and will be going to the bank tomorrow to obtain the documentation they are forcing me to provide, however I'm certain there are other 's that may not have the same record keeping and may be forced to pay this fee to the company to avoid it snowballing or creating delinquencies. I would like the CFPB to investigate this practice from Freedom Mortgage, and ensure that this fee extortion comes to an end. Again the payment has not bounced, theres no indication in there records that shows the payment bounced. I am happy to provide both my banking statements as well as my mortgage payment history to verify this information.
I currently just moved and I have been trying to set up account Like credit and I finally looked up my credit and it says that I 'm a victim of identity theft but that is incorrect please contact me
I mailed a check to a creditor, XXXX XXXX. Someone intercepted the mail and deposited the check into Wells Fargo bank. The endorsement was clearly wrong and Wells Fargo should have never accepted the item for deposit. Wells Fargo is conspiring with the thief by failing to return my funds.
Inaccurate information on credit report XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Account Number : XXXX .... 

Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XX/XX/2016 Credit Report Toolkit : Print your report Credit Education Know your rights Credit Fraud Center
In XX/XX/XXXX, I cancelled the XXXX card that I took out in XX/XX/XXXX, because none of the inducements to applying for the card had been provided. When I called and asked that the annual fee of {$95.00} be refunded, that request was denied. I have paid all the amount due on my card, less that {$95.00} and wrote to them disputing the debt. They have made no attempt to resolve the issue and instead have charged late fees and interest and have now taken the step of reporting me to the credit agencies as delinquent on the account in an attempt to bully me into submission. They have lied, deceived and made it as difficult as possible to try to access the benefits promised. 

I request that the debt be written off and Barclays Bank be required to do whatever is necessary to repair my credit record with the 3 reporting agencies.
Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED. 
XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX
On XX/XX/XXXX I opened an account with XXXX for wireless cell phone service. I was informed I had 14 days to cancel service and return the phone I purchased and I would only pay for minutes or data used during the time I had the phone. I cancelled service on XX/XX/XXXX and returned the phone to the store where I purchased it. I subsequently received some erratic bills, and they ended up reversing most charges. They left me with a final bill of {$120.00}, but I had paid when I returned the phone. The store clerk told me what the amount was due for minutes and data usage, and I can't recall the exact amount but it was around {$60.00}. I know that I thought even that was too much, but I paid it so I could take care of it and switch to a different company. So I never knew what the {$120.00} was for and did not receive any notice of a debt collection, just XXXX bills. I attempted to dispute this with them over the phone around XX/XX/XXXX and XX/XX/XXXX but nothing was ever resolved. I don't like for this to still be on my credit report because I don't believe it is a fair charge.
Wrote letter to XXXX XXXX XXXX/XXXX XXXX requesting validation of debt and to provide legal validation as required by my state that I have an account with them or any liability to pay them. I do not have any obligations, contracts, agreements to pay and disputed this debt in its entirety via tracked mail directly to the company and they have provided no response validating my request. However they continue to place miscellaneous balance increases to my XXXX XXXX XXXX reports, XXXX has removed this from my reports as it is clearly a violation to report inaccurate information. This is an attempt to resolve this matter without further harm to my credit file and having to take additional action against XXXX and their illegal reporting practices. the last that I saw in my credit files was an amount of XXXX XXXX  which continuously increases little by little. Upon contacting the listed OC - original creditor I did receive a letter saying it has a 0 balance and has been with another company aside of this XXXX XXXX. it reflects a false balance, it reflects false responsibility, it reflects inaccurate dates which affect the Statute of Limitation of the credit agencies. This should be deleted from my file of XXXX  and XXXX as it is in violation of many reporting laws.
My wife and I have been dealing with a dishonest loan officer at Chase Bank. WE were shopping for mortgage loans back in XXXX and we met with several lenders at that time. We knew from the beginning that we would want to close on the sale of our house and on the purchase of our new house on the same day. XXXX XXXX ( NMLS ID XXXX ) from Chase promised us that he would be able to deliver that, he even mentioned that he has done it a few times this year. With those reassurances, we lock our rate with him and started processing the loan. 

Now that the market rates for mortgages have gone up and since we are now very near the end, he is telling us that it 's not possible to close in less than 10 days after the sale of our current home. This additional 10 days will cause us to miss the lock date and we will either not be able to purchase that home or we will do so at a much higher cost. He has given us wrong information and it looks like this will end up costing us a lot. With the right advise, we would not have locked our rate through him, or perhaps we would have taken a longer lock.
US Bank National Association Has served me twice XXXX CA XXXX XXXX CA XXXX Its 2016 and nothing is resolved we did meditate they cant make their minds.
I took a payloan check and became unemployed and lost all funds and my bank account was closed, I explain this to them and they would not accept payment arrangement, so they call me every day
I received a notice from Ocwen Loan Servicing saying they had discontinued the service that had made automatic payments from my bank account via ACH. This notice came very close to the time my payment was due and contained a form to initiate ACH payments. I filled out the form and returned it the day after I received it and before the next payment was due. Ocwen rejected the payment saying I had to pay the loan 30 days in advance for them to activate the payments. This was something I did when I originally set up the Automatic ACH payments they just discontinued. The issue was escalated to an " escalation manager '' who suggested reversing the extra principal payments to allow the ACH payments to be set up. He did this and then told me I had to go to their website to set up the payment. Their website will not allow me to log in, allegedly because the zip code does n't match the loan number on the account. The Zip code and account number were entered as instructed by Ocwen. I have sent them multiple letters and they reply with a form letter telling me to enter the correct information. In doing this, they have caused many of mortgage customers to be late on their payments and if they did this to thousands or hundreds of thousands of customers, they have heavily profited from their inappropriate actions and the extra payments provided them with a very large boost of capital that may or may not be actually benefitting the customers accounts. So Ocwen said they would n't make any more payments that had been ongoing via ACH for years and in the same letter said I could set up an ACH Payment but ONLY if I pay them payments that are n't due for a month!!!
I moved out of XXXX XXXX XXXX 2014. Almost a year later I received a letter from a debt collection agency seeking {$5900.00}. I had no knowledge of my debt. Under the fair credit reporting act, XXXX should have made a goodwill effort to notify me of the debt before sending it to collections. They had my phone number and forwarding address, yet failed to communicate and give me a chance to pay any debt, as well as dispute inaccuracies. Because of this I have been denied XXXX apartments and it has severely affected my credit score.
From " mid-XXXX through XXXX '' Equifax allowed a data breach of customers ' data including my own. Then Equifax XXXX about this fact by not disclosing it to anyone for over a month. Several of their upper level managers sold stock prior to the breach becoming public, possibly with inside information to take advantage of higher prices before the announcement. Once the data breach was revealed Equifax directed customers to the wrong website for help. They also did n't actually inform anyone that their data may have been compromised. They forced me, their customer ( not a customer by choice ) to take time out of my day to contact them and check to see if I was involved with the problem. Even upon doing this they could not say with certainty that I was involved, only that I " may have been impacted ''. Then to protect myself Equifax tried to get me to enroll in a credit monitoring service that would start free but would eventually become a service I would have to pay for. Why would I want to pay them to protect my credit when they could n't protect my data to begin with? What a colossal joke. But no one 's laughing except Equifax because I 'm now forced to continue to take time from my life for years to come to deal with this problem. And I do n't even have the option to NOT be a customer of Equifax anymore. How nice that must be to make lots of money off your customers, make them fix the problems that you cause, and then force them to remain your customer despite this ridiculous business model.
PNC reneged on {$400.00} promotional offer. The account was closed. After the account was closed PNC continued billing the account for charges and services.