WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX I was a victim of identity theft/ fraud. My payroll check was illegally forged and CASHED at a Wells Fargo Bank. I currently have an account with Wells Fargo Dealer Services and incurred a 30 day late on my credit XX/XX/XXXX due to the fraud that was committed against me IN XX/XX/XXXX, leaving me with no means to make my payment on time with Wells Fargo Dealer Services. The claim and investigation was opened with first bank ; I filled and notarized an Affidavit of Forged endorsement and sent copies to Wells Fargo Dealer Services credit reporting department as proof that I was a victim of fraud and identity theft ; not a negligent customer. I have lost more that XXXX points on my credit due to someone else 's actions that i have no control over. After showing proof Wells Fargo Customer service was rude and did not take the time to understand the seriousness of the matter. As the CFPB is to protect consumers and customers from identity theft and fraud, something needs to be done in this regard because my life is suffering from this.
This is a follow up to complaint # XXXX. 
On XXXX XXXX I submitted a complaint referenced above about Bank of America not following federal guidelines. Our area was hit by Hurricane Irma and declared a FEMA as eligible for individual assistance. 

Since this complaint I have been assigned three different XXXX XXXX XXXX ( XXXX ) ( XXXX XXXX, XXXX XXXX and now XXXX XXXX ) I have stayed in contact with the these various contacts throughout the forbearance process. I have received numerous piles of forms from Bank of America and each time I call them they tell me to ignore the paperwork. 

On XXXX XXXX, XXXX at XXXX XXXX I contacted XXXX XXXX ( XXXX ) XXXX. During that call XXXX informed me that I will not need to pay the total amount due and that my payments during the forbearance period will be added to the end of my loan. This is in accordance with the federal guidelines. XXXX then informed me that I will resume my mortgage payments starting on XXXX XXXX and there will be no penalties and the loan will resume as normal. They did note that there may be an escrow adjustment in the near future but that the payment would remain the same. I requested that this be in writing. XXXX told me that the call is recorded and that my account reflects these approved changes. 

Bank of America produced a letter on XXXX XXXX that i received XXXX XXXX ( attached ). The letter clearly states that if I do not make the payment in the full amount owed during the forbearance that I will be assessed late fees and more than likely be reported to the credit agencies. 

I have no trust in XXXX XXXX XXXX and I they have never provided me with accurate information. I have made numerous phone calls and I have even stopped by my local branch office at XXXX XXXX and XXXX XXXX in XXXX, FL. 

The purpose of my complaint is to report that Bank of America is not providing consistent information and that they are still violating the federal guidelines for XXXX XXXX loans approved for individual assistance in area declared disaster area by FEMA.
I started a Savings and Checking account with Chase in XX/XX/2016. When I started the account I was never told there will be a monthly fee for the savings account. I primarily managed the checking account on a regular basis and didn't really manage or monitor the savings account as I didn't really have a need for it. I recently found out the bank was deducting $ XXXX/month from my savings account as 'Fees ' which I wasn't aware of. I complained to the bank that the fee was never disclosed to me and the branch manager credited {$60.00} to my account and stopped taking the monthly fee from my account. He said he could reimburse only up to 3 months of service fee and if I needed more I would have to escalate. I escalated the issue as they suggested and after a lot of discussions going back and forth they reimbursed another {$60.00}. They had deducted a fee of $ XXXX/month for 15 months ( {$300.00} ) and they reimbursed me {$120.00} when I complained. I believe Chase should reimburse the entire amount they charged me as the fee was never disclosed to me when I opened the account. I am hoping the agency will investigate this and hold Chase accountable for over charging their customers without their permission.
I have received a copy of my credit report and there is a debt of {$410.00} listed as in collection from original creditor, XXXX XXXX, dated as opened on XX/XX/16. I did not attempt to open any accounts with XXXX XXXX.
When I went to One Main Financial on XXXX in XXXX to finish the paperwork for my installment loan I was asked about purchasing an Auto Plus Plan for an additional {$13.00} a month for 5 years and I told the loan officer I did n't want t hear anyone about it but he said " listen to me you have to listen to me '' and contributed to read everything about it. After he was finished I declined the offer. The branch manager, XXXX, sitting behind him said " I heard you decline that Auto Plus Plan? Why? '' I told him I was not interested and he continued to argue with me pressuring me to buy this and it had nothing to do with unsecured installment loan I was in there to finish up. I told him that I was not comfortable with it the pressure they were giving me to purchase this product. I feel this is unethical to try to push products unrelated to the loan I 'm taking out and pressuring me to buy it and when I decline to continue to push and question why not and this was manager pressuring they was ease dropping on my conversation with loan officer I was dealing with. It has really bothered me that they are able to push products like this on consumers.
On XX/XX/XXXX my student loans totaling {$22000.00} that were being serviced by XXXX XXXX XXXX XXXX XXXX  were consolidated to XXXX XXXX XXXX. I began making payments under an income based repayment plan in the amount of {$120.00} on XX/XX/XXXX until XX/XX/XXXX. I was not made aware by XXXX XXXX XXXX. or XXXX  XXXX XXXX XXXX XXXX that my loans were classified under the Family Federal Education Loans Stafford subsidized and unsubsidized loans which were made by private lenders but backed by the government and did not qualify for the public service loan forgiveness program.
I submitted a dispute to Equifax that they Received on XXXX XXXX 2017. I have not received a response from them. It is regarding an account that they are reporting on my report for a XXXX account that I do n't recognize. I asked them to provide me documentation that they have that verifies the account belongs to me.
A few months ago, I noticed that my current mortgage company, Carrington Mortgage Services LLC, tried to deduct funds from the wrong account ( savings instead of checking ). As soon as I found this, I tried to contact them multiple times to correct this error. They refuse to respond to my E-mails or return my calls. I 've made every attempt to resolve these issues with them but they refuse contact me or work with me in any way. My online payment option has been disabled and they wo n't accept any form of digital payment ( over the phone or otherwise ). Currently, they are forcing me to send them cashiers checks via mail. This is a big problem for me since I have a job in which I may be away from home ( and my bank ) for several weeks at a time. I recently tried to refinance my mortgage through another company to get away from them. However, they reported that I made my payments late to the credit bureau and I was n't able to get my loan approved ( all delays were caused by the mortgage company ). I have copies of my past E-mails where I attempted to contact them and bank statements showing that I 've always had more than sufficient funds to make my payments.
I defaulted on three private student loans ( SallieMae through Navient ) in XXXX. In XXXX I was contacted by a debt collector ( XXXX XXXX ) and negotiated a settlement on one of those loans. I am currently negotiating with the same debt collector on the other two. I checked my account balance at Navient 's website and the loan I negotiated a settlement for over six months ago still appears as due with a balance. Worried that I may have negotiated with the wrong party I contacted Navient and was informed that they do not update information for " delinquent '' loans. The operator then identified a different debt collector than the one I negotiated with for the loan and question and could not answer my questions about the legitimacy of the company I was bargaining with. When I questioned how I, as a consumer, am supposed to make informed decisions about my finances when the company that services my loans will not give me accurate information the operator repeated that this was their policy. I have two lawsuits against me by a debt collector that Navient does not identify as the legitimate debt collector for my loan. What am I to do?
Greetings I have initiated multiple disputes with EQUIFAX to remove unauthorized Inquiries they have failed to validated that I initiated. I have asked and requested for EQUIFAX to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to EQUIFAX to get this issue resolved in which they requested. I have also reached out to the creditors to validate these unauthorized inquiries belong to me in which I have not received a response. Please promptly Remove / Delete the following inquiries from my EQUIFAX credit report because they are affecting my ability to hold a job and get approved for a mortgage for my family. Below are the reporting Inquiries that should be Removed / Deleted from my EQUIFAX credit report.

Reporting Inquiries : 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX - Date Filed : XX/XX/XXXX 4 ) XXXX - XXXX - Date Filed : XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX XXXX - Date Filed : XX/XX/XXXX Should you need any additional information please let me know. Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX
Dear Sir/Madam : I 'm a XXXX Military XXXX with XXXX ( XXXX ) after XXXX years of military XXXX. As recommended by the treatment team, I bought a massage chair in XX/XX/2014 via GE Capital Retail Bank with 0 % interest. My wife, XXXX always made monthly payment on time through XXXX. We were never informed that the GE Capital Retail Bank transferred our account to Synchrony Bank with 29.9 % interest rate in XX/XX/2014. We tried to contact the Customer Service of Synchrony Bank many times ; however, it seemed that they are not willing to resolve the problem. We would like to report this issue to you in the hope that you can help protect the consumer by investigating the dishonest way Synchrony bank is dealing with their customer. If we were informed that our account were transferred to Synchrony Bank with 29.9 % interest rate in XX/XX/2014, we could make a full payment for this transaction. All payment records can be submitted to you per your request. Your consideration and support are greatly appreciated.
Experian allowed XXXX XXXX to place a collection account on my credit report in the amount of XXXX USD. The original creditor is XXXX. After speaking with representatives within XXXX, I have been told I have a XXXX balance ( XXXX ). Without any regard for my personal and/or credit worthiness, Experian decided to put this on my credit report. As I am in the process of buying a home, this has put a dent in my credit making it harder to purchase a home! Should someone get a slap on the wrist or should a full blown lawsuit follow this to justify what has happened to me and I 'm sure, tens of thousands of others ...
I originally calle d Tek Collect to resolve my  debt. I asked to settle the debt and was told that I could not. I then asked her if I had an offer could she go to the client and see if they will accept. She said that she could. I advised her that she had told me a fib and I would call back and talk to someone else. I then spoke with  XXXX   XXXX  I tried to explain the call I had with the previous collector but he kept interrupting me to the point I could not talk so I told him  goodbye. I th en called the client  XXXX  and  XXXX   XXXX  home and offered them a settlement and they accepted it. I went Monday,  XXXX / XXXX /  XXXX  , and paid the bill. I then called  Tek Collect b ack to let them know I had paid it and spoke again with  XXXX   XXXX . I explained to him that because he would not let me talk that I went to the client myself and made a settlement payment and he then told me that I did not hear what I wanted to and that is why I was mad. I asked to have it deleted from my credit, he then told me that he did not believe I made a payment and that I was lying. I asked for his email, he would not give it to me I asked to talk to a supervisor, he told me that we were not playing that game and he refused to transfer me. I told him that he did not verify me, mini  XXXX  or tell me the call was recorded. I asked again to transfer me to a supervisor he would not. I called back four more time and was either hung up on or transferred to him.
On XX/XX/2018 I attempted to pull my annual credit reports from the three bereaus using XXXX. The first one in the list, experian, did not work  however the other two did. I attempted to pull experian again and I get a generic error that other people on the internet seem to receive quite frequently as well. There is no method to contact them other than via mail. The phone number I was able to track down on the internet does not allow you to speak to another person and the automated phone system does not have an option for my issue. 

This is the error I receive : We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Thank you.
There is an active XXXX account on my credit report which I have no knowledge of I have never had XXXX services before
On XX/XX/XXXX I contact JP Morgan Chase Bank to submit a payment over the phone of XXXX with the effective date of XX/XX/XXXX. The representative took the payment and confirmed with me over the phone the payment would be processed on XX/XX/XXXX. On XX/XX/XXXX I received an email confirmation that my payment of XXXX was posted to my Chase Auto loan account. I contacted Chase that morning and they confirmed it posted. They advised they could not reverse the payment. I spoke with many representatives, who would not connect me to a manager, they advised me that there is nothing they can do. One representative stated I was causing her staff time to be affected. I explained to them I have a child who has medical issues and this was going to cause my checking account to overdraft and that because this was on the weekend, I was not able to purchase any food for myself or my child. The employee continued to place me on hold every five minutes and she would until the end of her shift. This caused undue mental stress to me and my child. My checking and savings account on Wednesday XX/XX/XXXX became a zero balance, no funds in my account to take care of my child. I immediately contacted Chase Bank again, they just advised to stop payment on the payment. I reached out to my bank XXXX and I was assessed a XXXX fee which Chase did reimburse, however, I have been dealing with the situation still to this date. I have escalated the situation to the presidential office at Chase and feel that they are treating me unfair and differently because of my records with them in the past I had to file bankruptcy due to a financial hardship. No one that I spoke with followed up with me to see if the issue was resolved. I am a single mother with one income, and the banks error they do not take the severity of what happened. My time is valuable and how they are treating me makes me feel they are treating me like I am some stupid XXXX. My mental stress and time is worth everything to me and a letter of apology is not acceptable for me.
Statebridge Company has reported my account past due to credit reporting agencies and I have paid as agreed consistently. I have emailed them requesting a full accounting of all payment and interest and they have ignore my request and requested a payoff.
Hello, I am filing a formal complaint against TransUnion. There are seven credit Inquiries I have disputed with TransUnion since late XX/XX/XXXX. Not only, have they ignored my disputes they have failed to investigate, correct and delete these credit inquiries. 

Due to their negligence, this has negatively affected my Consumer Credit Report and does show my true credit history. 

These hard inquiries are not mine. 
1. Creditor : XXXX - Inquiry Date : XX/XX/XXXX 2. Creditor : XXXX XXXX - Inquiry Date : XX/XX/XXXX 3. Creditor : XXXX XXXX - Inquiry Date : XX/XX/XXXX 4. Creditor : XXXX - Inquiry Date : XX/XX/XXXX 5. Creditor : XXXX XXXX - Inquiry Date : XX/XX/XXXX 6. Creditor : XXXX XXXX I - Inquiry Date : XX/XX/XXXX 7. Creditor : XXXX XXXX - Inquiry Date : XX/XX/XXXX Please look into this matter. I believe TransUnion is not maintaining complete and accurate credit information. Thank you I look forward to hearing from you and a resolution for this matter.
Di tech has repeatedly called me at work when I have asked the calls to stop. They call me After I already tell them that the payments are made via bill pay. And continue to call me after I have already made arrangements to pay. In addition several Threatening messages have been left on my cell phone. When trying to make payment arrangements they insist on me using their pay by phone service which has a fee associated to it. My account also has an " Unapplied ballance '' of more than the amount of the payment owed.
My Loan Care - new servicer of mortgage.
Does not respond to emails, all phone lines have been disconnected or are always busy. Unable to log-in into my account online ( which previously worked ) in order to ensure my payments are being properly processed.
This has happened MULTIPLE times. 

I entered the income driven repayment plan, only to find months later that I 'm in danger of defaulting. The program stopped without any warning. To re-enroll, I 'm forced to take a forbearance and have all of the interest capitalized. I 've also had many issues where if I 'm calling about my federal loans, they only have knowledge of my private loans and vice versa. Just yesterday XX/XX/XXXX I received an email from them saying that my payments were going up from {$110.00} to {$300.00} When I called to verify, they had no idea what I was talking about. 

On XX/XX/XXXX I was given a forbearance on my private loans after talking to them. I asked if I had any more outstanding loans that were in jeopardy at all, whether it be federal or private and they said no. But on XX/XX/XXXX, I was given a delinquency notice about my federal loans.On XX/XX/XXXX, I was approved again, but on XX/XX/XXXX, I was sent another delinquency letter. This has gone on for years. Like I said, when I call them, they do n't ever speak on all of my loans. I feel like I 'm caught in a trap that I ca n't escape.
I have a card with a 0 % interest offer on a {$7000.00} balance. 

In XXXX 2014, a {$25.00} purchase was made subject to a 14.99 % APR. Since the amount of interest was so small, I was instead charged a minimum interest fee of {$1.00}, which means the APR on that purchase was 16.6 % That {$1.00} aws then subject to the 14.99 % APR, which worked out to roughly XXXX cent. 

I was then charged interest on that fee the next month, which was subject to a {$1.00} minimum interest charge, which worked out to approximately 128 % interest on this fee. 

There is no amount I can pay, short of the entire balance, to stop being charged this fee each month. This has continued every month.
Borrower is deceased and the Estate needs communication with the mortgage company. However, the mortgage company continues to deny receiving the authorization letters. Several attempts to preserve the estates interest have been rejected and now the property is scheduled to foreclose. The estate sale of the real property would pay the mortgage company in full and the equity would be issued to the heirs. The mortgage company is Chase. There is no reason to foreclose on the property especially since foreclosing would deprive the heirs of their equity. It 's a simple probate with XXXX real property asset to sale. The necessary time needed is 3 months or less and the administrator would make mortgage payments until the close of escrow.
XXXX XXXX XXXX has illegally provided XXXX Court, XXXX XXXX XXXX XXXX XXXX, Texas with fraudulent affidavits in order to secure a default judgement against me. Furthermore, I can prove XXXX XXXX made no attempt to serve me with proper documentation of the suit as stated in a SWORN declaration signed by XXXX XXXX on XX/XX/XXXX. Moreover, the dates of the junk debt, of which this suit originated, has dates that have been changed in attempts to remain on my credit reports but have been removed because XXXX XXXX failed to verify the debt. In addition, I charge XXXX XXXX with fraud for applying this failed debt, which was removed from my credit report, to my father 's credit report, which remained there for several years before being removed for similar circumstances. Therefore, I am demanding all records, documentation, invoices, receipts, and contracts from XXXX XXXX XXXX, MCM ( XXXX XXXX XXXX XXXX XXXX. ), and XXXX XXXX in the original and unaltered format of which each were authored, transacted, and recorded. Additionally, I challenge the authenticity of the XX/XX/XXXX default judgement for {$7500.00} when I was never presented with a petition to sue by XXXX XXXX XXXX. I challenge the validity of XXXX XXXX XXXX buying a XXXX XXXX account for {$7400.00} on XX/XX/XXXX and charging another {$140.00} of interest to the said account at the  rate of 6 % annually. Furthermore, I challenge the authenticity of XXXX XXXX, " who swore on oath that the information '' in the above abstract judgement is " true and correct. '' Also, I challenge the authenticity of an ABSTRACT OF JUDGEMENT filed on XX/XX/XXXX in the name of XXXX XXXX XXXX. I hereby charge XXXX XXXX to fraud with deceit and a total of thirteen counts of robo-signed affidavits provided to the XXXX County court system in and during the precedence of my filed suit case.
Prestige Financial out of XXXX XXXX XXXX Utah sold my car after I did a voluntary repo. They are now trying to sue me for over {$16000.00}, reported on my credit and that car is not even worth XXXX.
I disputed a claim from XXXX XXXX that was denied due to proof that I authorized XXXX transactions using a PayPal account that I do not have that totals to {$1000.00}. I was informed that XXXX XXXX will not be refunding my money back until I submit more proof that I did not authorize the transactions. XXXX XXXX also stated that I will have to get that refund from the merchant, which is PayPal. I have been contacting PayPal about a refund, but they stated that since I filed a dispute against XXXX XXXX, that they have no power over getting me a refund. I continue to go back and forth with the XXXX companies but nothing is being done.