WillisBack/dataset-financial-user-claim huggingface dataset:
I have asked Commonwealth Financial to validate a collection they are reporting on my credit reports on XXXX, XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
On Monday XXXX XXXX, 2015 i have been trying for hours to have someone at Experion assist me with items that appear on my credit report in a negative way. The website does not allow you to dispute any items, gives you a message to call XXXX #, you speak with someone and the leave you on hold and never come back on the line.I want them to clear my report of all negative items as soon as possible. Experion keeps transferring me around and no one will help.
We want to let your organization know that we believe that our credit card has been compromised or hacked. Either through an XXXX device or our Fidelity Credit card itself via XXXX. 

On XX/XX/2018 we were informed by our financial institution ( Fidelity Visa 529 card ) that our small purchase wouldnt go through because we were over our limit. Doing further investigation, on our own, we found that approximately {$20000.00} of unauthorized charges were on our childs phone via i-tunes and ONLY i-tunes. 

We contacted Fidelity and formally declared unauthorized activity or fraud. We also contacted XXXX fraud support case # XXXX. In the beginning Fidelity spoke with and worked with XXXX and refunded some of the charges. However, after more charges came to light and our case with Fidelity was transferred to another fraud employee they no longer agreed that fraud was the issue. 

We asked Fidelity, why they didnt let us know about suspicious activity on our account or put a hold it. They claimed we have to be authorized, by you the card holder, to contact you when we suspect unusual activity. They did however contact us previously about suspicious activity and stopped one card and sent new ones, without being authorized. 

While on the phone with Fidelity fraud department and with our childs phone in our possession new unauthorized i-tunes charges were rolling in. Fidelity deactivated this card and sent us new cards. Shortly after, putting this card into an XXXX device, new unauthorized charges started once again. XXXX support said they would credit back these fraudulent or unauthorized charges just as soon as Fidelity requested them to do so. Fidelity has decided they will bill us instead. 

As a consumer, we do NOT believe that our interest are being protected by Fidelity Visa, nor do we believe that we are the only ones experiencing this.
My private student loans originally owned by XXXX XXXX were recently sold to Navient. Over the last year and a half I have filed several complaints with the CFPB ( case numbers:XXXX,XXXX,XXXX,XXXX ) in attempts to receive a reduced monthly payment, as I lost my job and have been working part-time since that time. I was initially told by the loan servicer XXXX that the reason I was having issue was because the loan was, at the time, owned by XXXX. In further conversions ( via CFPB complaints ) I was offered a reduced payment plan by XXXX, however after applying I was simply told that my " income '' precluded be from being eligible. When I inquired further I was told that the basis under which they made their decision was " proprietary information ''. Though I was unable to maintain the $ XXXX monthly payment I have paid something on the loan every month just to show good faith. After finding out my loan was sold I reached out to Navient in continued attempts to lower my payments, and bring my account to good standing. The Navient representative I spoke to indicated because my loan is delinquent there was nothing I could do to lower payments or rectify the situation short of paying the back balance in it 's entirety.
On XXXX, I applied for a mortgage and if this is not resolved, I will be declined due to an account misreporting on my credit report. 

Late last year, XXXX or XXXX of 2017, I paid off a Walmart charge card in full by contacting the creditor directly and making a payment with their representative. During this time, I had also purchased a new home and moved to a new address. I confirmed during over an hour long string of conversations with Synchrony Bank ( Walmart change card service provider ) that the creditor had received a US Postal return and that they never updated my account with the correct address to properly notify me of an amount due. I was never contacted via telephone or mail that there was a balance/charge on this account. The charge appears to be an annual service fee or some known charge based on the credit report I was able to review with my mortgage broker. My broker and I conferenced called the creditor at the number provided by the credit report : Walmart XXXX. We were then transferred and disconnected to another department XXXX. We were on the phone for over an hour, transferred to several representatives that continued to say sorry for their mistake, but could not resolve the issue. Then we were told to call the account resolution department at XXXX. This department then informed us that they no longer have access to the account and that we need to call XXXX XXXX at XXXX. 
The following morning, I called XXXX XXXX and was told it takes three days to " unlock '' the account so they can speak to me about it. 
Today, I called XXXX XXXX  and they confirmed they purchased the account on XX/XX/XXXX. They gave me a balance of {$57.00}, which I have decided to pay immediately as to not further damage my credit. XXXX XXXX  is not currently reporting the account as of the report pulled on XXXX.
On XX/XX/XXXX my lease account with First Bank in Puerto Rico was paid in full. On XX/XX/XXXX the  account was shown in the credit report with " Collection '' status and indicating missing payments on XX/XX/XXXX and XX/XX/XXXX. Letters and personal handling of the payment in full documentation was provided to First Bank with their response indicating that the corrections will be performed. 

On XX/XX/XXXX during the purchase of a new car, the credit report on XXXX still indicates the account on the same status : Collection and with missing payments on XX/XX/XXXX and XX/XX/XXXX. Communications were made again with First bank with the same indication that the situation will be corrected. The interest paid to have the car were higher that the average due to this report. 

A new credit report was received from XXXX, with this account on the same status. A call with First bank was performed today, XX/XX/XXXX,  with XXXX XXXX at XXXX from First Bank and her indication was that they have the documentation that was provided on XX/XX/XXXX, but no correction was made.
I made my first repayment towards my Student Loan with XXXX XXXX, now Navient on XXXX XXXX, XXXX, one month after graduating from the University XXXX Maryland University XXXX. On XXXX XXXX, XXXX I paid {$500.00} towards my loan and have paid {$500.00} every month since. However, my account shows my first payment as XXXX XXXX, XXXX. My account is missing XXXX payments of {$500.00} and the interested that should be credited for them.
In XX/XX/XXXX, XXXX XXXX reported a hard inquiry dating back to XX/XX/XXXX
My father has a home equity line of credit ( mortgage ) with Chase Bank. He was XXXX years old when he got 30 year mortgage on his home with interest only payments for 10 years, then after 10 years the monthly payment tripled when this man, who is XXXX now, and ca n't afford to pay, but they gave him the loan based on that he could pay for the first 10 years. They are happy to foreclose as they have already gotten {$50000.00} in interest and they can sell the house and get more than he owes. They will not do a loan modification, refused to accept XXXX from XXXX, which could help a lot!, but they speak very patronizingly on the phone in a fake sweet voice like they really want to help. They only want to help themselves. They sent me to the FHH program, then refuse to take the money offered. He can not borrow any longer on this line of credit- the available credit is " XXXX '' clearly on every statement.
My loans are serviced through AES. I schedule my payments every month to be taken on the due date. ( please not that my loan payment has gone up every single month even though I pay on time ... so really ... whats the point anymore? ). I received an email stating that my loan was late. This concerned me because I knew it was scheduled to come out on the due date. I checked my bank account and the payment had been taken out. Confused, I logged into my account. On the account summary you can see where my payment was scheduled to come out on XXXX/XXXX/XXXX, the amount fully came out on XXXX/XXXX/XXXX from my account and yet this day ( XXXX/XXXX/XXXX ) the summary page said it was delinquent and had not been received. I emailed AES and their response was : " The payment in question has been located and a request has been submitted to have the payment applied to your account. Please allow up to 10 business days for this request to be processed. We apologize for any inconvenience this may have caused you.

Although the payment has been located and a request has been submitted to apply it to your account, I must advise you of the delinquency on the account until the payment is applied.

As of the date of this email, your account is four days past due for {$190.00}. Late fees may be assessed if the delinquency continues on your account. You may receive calls and letters regarding the delinquency until the account is current. We report the status of your loans to the nationwide consumer reporting agencies each month. '' HOW DOES THIS MAKE SENSE? They have also been calling my co-signer AFTER my payments are made and show that they are made and telling her ( my XXXX old grandmother ) that my payments are n't being paid. SOMETHING is wrong with this company ...
Complaint against XXXX XXXX XXXX XXXX - XX/XX/XXXX I was approved for a Wells Fargo Prime Equity line of credit, amount {$73000.00}, in XX/XX/XXXX. I only withdrew {$45000.00} of total amount. In about XX/XX/XXXX account was restricted to about {$45000.00}, without notification. 
COMPLAINT - Account never should have been restricted, due to the fact that I am a longstanding customer with top credit rating. I want restriction lifted without any conditions. Also has Wells Fargo Bank used restricted amount to create any false accounts? Reason for restriction may be due to mass bank failures, not my fault. 

Thank you for your attention with regard to this matter.
I recently bought a watch on credit. I received two hard inquiries on my credit report. One from XXXX and the other one XXXX XXXX. XXXX says its a national credit card and airline while XXXX XXXX says jewelry and cameras. I called XXXX but they told me I would have to take it up with the credit bureaus and XXXX XXXX ( the company that I actually bought the watch from ) said that XXXX XXXX is incorrect and it would not come up as cameras and jewelry. Ive looked at my paperwork Ive received from XXXX XXXX at time of purchase and I believe that XXXX XXXX is in fact the company that gave me the line of credit. So I am basically just concerned about this XXXX XXXX hard inquiry. My credit score has dropped 38 points because of these two hard inquiries.
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX I am starting to take this personally Freedom mortgage still has not reported my good payment history to all XXXX credit reporting agencies!!!!! 

they lied to me in a letter stating they would report it by now What am it to think about a mortgage company that will not report good payment history or any payment history at all???? 

Company responded Freedom Mortgage said : Explanation of closure XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX Re : Your Complaint to the CFPB Dear XXXX XXXX : We are in receipt of your complaint and are happy to respond to your concerns. I have reviewed your complaint and researched the issue regarding the credit reporting of your payment history. 

You loan was transferred to Freedom Mortgage on XX/XX/XXXX from XXXX. Due to RESPA ( Real Estate Settlement Procedure Act ) guidelines, when the servicing of a loan is transferred, lenders are prohibited from reporting during the first 60 days after the transfer. Your payments will be reported beginning with the XX/XX/XXXX payment but reporting is done on the XXXX of each month for the previous month. Therefore, the XX/XX/XXXX payment will be reported on XX/XX/XXXX and all payments thereafter will be reported approximately the XXXX of the next month. 

If you have any further questions or concerns, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX Assistant Vice President Customer Service Freedom Mortgage Corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX Dispute Response Explained that due to RESPA regulations, Freedom can not report to the credit bureaus fro 60 days after servicing transfer. 


What happened Describe what happened so we can understand the issue ... 
XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX Loan # XXXX Registered Loans Loan Number XXXX Property Address XXXX XXXX XXXX, VA XXXX Loan Status Loan Active Freedom mortgage is not reporting my good credit history to the XXXX reporting agencies Consent to publish the description of what happened? Consent provided Which part of the mortgage process is your issue related to? 







Making payments This is about VA mortgage Desired resolution What do you think would be a fair resolution to your issue? 
XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX Loan # XXXX Registered Loans Loan Number XXXX Property Address XXXX XXXX XXXX, VA XXXX Loan Status Loan Active Freedom mortgage is not reporting my good credit history to the XXXX reporting agencies report my good payment history to XXXX XXXX and XXXX My information Contact information Mailing address XXXX XXXX XXXX XXXX XXXX VA XXXX United States Email XXXXXXXXXXXX Phone XXXX I am submitting on behalf of Myself Product information Property address is the same as mailing address. 

XXXX number XXXX Information about the company Freedom Mortgage United States Supporting documents HTML document freedom mortgage is not reporting my good payment history to the XXXX reporting agencies .msg ( XXXX )
This is the 3rd CFPB complaint concerning Wells Fargo Mortgage.

They are denying that monthly payments have been made, for four months or longer each time, This began back in XX/XX/XXXX, and is still continuing. 
They are reporting to credit agencies that I am not making payments, which is impacting my credit score.  They have declined in past complaints to add an addendum to the agencies saying that the payments were made on time. 
My latest WF bill indicates that XX/XX/XXXX, XX/XX/XXXX ( XX/XX/XXXX ), and XX/XX/XXXX payments have not been made. 
I pay by check at a local branch each month, and each check has cleared quickly. 
I am attaching copies of the checks and the receipts from the tellers. 

Because WF continues this practice, I will be making quarterly complaints to CFPB about payments not credited within a month 's time.
I have ( XXXX ) Derogatory - CLOSED accounts with XXXX. Each account represents a small student loan that was taken out several years ago. These accounts were purchased last year by XXXX, who I am currently in good standing with. TransUnion is reported an XXXX-point deduction from my credit score for each one of these ( XXXX ) accounts that were with XXXX. I have been working over the last year to repair my credit as I am trying to purchase a home for my family. XXXX points is life changing. This amount of points being deducted from my credit score for loans with a single lender that have since been satisfied does not seem like a " fair '' credit reporting practice. I have contacted XXXX and TransUnion to discuss this matter and work toward resolution. Both institutions told me there is nothing that I or they can do to remove or even adjust this massive point deduction. The CFPB is my last hope. Is this something that you can help with?
I have been trying to achieve a copy of my Equifax credit report and place a security freeze after the Equifax data breach since XXXX XXXX, XXXX. I have n't got any success in getting a response through several phone call attempts and online requests. This is truly frustrating experience. It seems like Equifax completely stopped answering to any concern in this regard.
I began my modification with noic in XXXX 2016. While modifications are not supposed to charge any fees, noic would NOT start a trail modification until I paid a XXXX title fee. If I am struggling to make a mortgage payment it seems unfair to charge me a fee to start an fha modification. Once the fee was paid I was emailed the trail modification packet to sign and return via fax. I completed my trial payments all on time. My last payment was XXXX XXXX. I was told XXXX XXXX I 'll have paperwork coming to me. Today XXXX XXXX I called. I was advised in order to get final mod paperwork I again have to pay an overnight fee. They refused to fax documents or email. When questioned why they were refusing since it was done with the trail mod, they only offered for me to personally pick up over 2 hrs away, or they would regular mail XXXX XXXX but I need to mail back by XXXX XXXX. They indicated I would have to cover the cost of overnight paperwork because they pass that expense on to get modifications finalized. They would send regular mail but not till XXXX XXXX but refused to fax or email documents back even though it was done before. So either I have to pay another fee to them to have a modification or I run the risk of paperwork not getting to me. I included the email in which they sent the trail modification to me via emsil, no issue. I included the trail mod paperwork received via email with the fee, and the email in which they received my fax back, again no issue. Now all of the sudden they state fax is no longer an option because of the quality of documents and email is not secur. So instead I am told I either must pay an overnight fee or wait till XXXX XXXX for reg mail and it due back by XXXX XXXX.
XXXX was originally XXXX XXXX account that was deleted XX/XX/2017 and was sold to this computer. I was never notified about account being sold to collection agencies when the originally creditor removed the accounts.

XXXX XXXX XXXX XXXX Account is reporting late payments but I was never late or either in school, which the loan officers was contacted.
I cant repay this I asked for lower payments, when filing for this I was told something by the school which ended up being different I filed Bankruptcy and that was supposed to help but really did not I have tried to work more and XXXX jobs with no luck. Can you help??
In the last few months, I have mailed in multiple additional principal payments, only to have them be placed incorrectly in suspense accounts, be applied incorrectly as payments, despite mailing them to the specific address at XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX, in XXXX California XXXX as instructed by Carrington Mortgage representatives. As a result, I have been paying mortgage interest at 6 %.
Started buying home XXXX ended up with subprime loan. My wife and I are seniors XXXX and XXXX XXXX XXXX an I am a XXXX XXXX with XXXX working for the government. We started having problems in XXXX and filed for a modification with Ocwen, nothing became of it. We filed bankrupt in XXXX and filed for another modification in XXXX and was led to believe that we had a modification until XXXX of this year XXXX XXXX ) and was told that we did not have a modification. We were told by XXXX XXXX XXXX in XXXX XXXX that they can and will refinance our home. They took {$550.00} for appraisal and the end of XXXX XXXX they told us they could not refinance. We contact XXXX in XXXX XXXX which we thought was this office and they took {$2500.00} of our money.We would call and could not get to talk with anyone. We are trying all we can to keep our home and continue to be taken through the ringer. We are at the point and do n't know where to turn to. We hope and pray that you can lead us in the right direction. If more information is needed, please contact us
Macys continues to call my home every other night at approximately XXXX XXXX to try to collect an alleged miniscule balance on a store credit card plus late fees on late fees on late fees. Because I do not believe I owe the anything, I have asked for documentation of the alleged outstanding balance together with a record of payments I have made. I cancelled the card and because they refused to provide documentation, I filed a prior complaint with your agency requesting documentation and the cessation of the unending phone calls. Macys is dragging its feet in responding to the request for documentation and has now requested an additional 60 days, as you informed me in a recent email status report. 
Meanwhile, the phone calls continue. This complaint is to request relief that the phone calls to my home cease immediately pending resolution on this disputed debt.
My wife lost her job about 5 years ago now. We currently find ourselves trying to re-negotiate our loan, but because New York Community Bank issued this mortgage through XXXX which has very strict guidelines which prohibit us from reducing our loan payments via modification.
XXXX XXXX XXXX is showing a {$460.00} balance on a closed/ charged off account. I have asked that this account be removed from my credit report because it is inaccurate with no reply from the company.
I had made went to best buy to purchase a computer. The salesman told me that if I signed up for a best buy credit card that I would have the option to either get points back for my purchase or get 12 months interest free. We went with the interest free deal. He then gave the option to get a visa card or a best buy only card. The associate advised us that the visa card could be used anywhere and that it still would be interest free from the date of the purchase. 

This information was misleading. It was n't until a few months after we used the card for a big purchase did we realize that the card was not interest free, but only the first purchase was interest free. When we called customer service and spoke with XXXX XXXX XXXX in idaho, she advised that what someone says verbally is not considered a verbal contract and thus when the terms and conditions were mailed out after the purchase, we should have read that instead of going on what a sales person stated. I stated we should not be mislead to sign up for something that can affect our credit in multiple ways just for signing up.
On XX/XX/XXXX i went to a gas station " XXXX XXXX XXXX XXXX XXXX '' to get gas. When i handed my Citibank debit card to to the gas station attendant he walked to another pump station only to return and say that their internet was down and thus they couldn't charge the card. I then had a brief conversation with the attendant and then paid the balance in cash.

At no point did i sign anything or punch in my debit card PIN.

I received a charge of {$43.00} on my Citibank account.

I then made the dispute with Citibank over the phone and in written form numerous times. But Citibank always claims they never received my dispute form even though i have mailed it numerous times and faxed it to the billing dispute unit at ( XXXX XXXX XXXX ) in XX/XX/XXXX, in XX/XX/XXXX andXX/XX/XXXX and XX/XX/XXXX. I always added my case # : XXXX. I constantly have to re-open the case since i receive an automated letter claiming Citibank requested necessary information and did not receive a response.

This is a simple case where Citibank should recognize that there this is a fraudulent charge. But Citibank does nothing to assist me.