WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a XXXX Extras Mastercard to go with my XXXX account for almost 15 years now. My account has ALWAYS been maintained in good standing. Sometime between mid XXXX and XX/XX/XXXX, my XXXX master card was unlinked from my XXXX account. In addition to that, my payment for the statement date of XX/XX/XXXX ( {$1700.00} ) that I set up ahead of time for XX/XX/XXXX was never shown as being withdrawn from my bank account ( which I directly linked to XXXX anyway ). This has become urgent because I am nearing my credit limit due to home improvements. I have made multiple phone calls to have both problems corrected ( XX/XX/XXXX on phone for 1 hour and transferred to 8 different operators, confirmed my XX/XX/XXXX payment scheduled and account to be relinked within 4 days ; XX/XX/XXXX, confirmed my XX/XX/XXXX payment scheduled and advised to wait another day to see if payment posts and account links ; XX/XX/XXXX, confirmed my XX/XX/XXXX scheduled payment was not processed and advised they have no idea why I can not access my credit card account through their website ). XXXX operators confirmed my payment was scheduled for XX/XX/XXXX from my bank account that is also linked to my XXXX account, which has sufficient funds to make the payment. None could tell me why the withdrawal was not made. I even requested that the payment be made over the phone using my bank account, but I was told she did not have the authority to do that ( ok I get that ). The operator 's employee number is XXXX. Worse, I can't make the XXXX or XXXX payments because I can't access my Extras account! NO PROGRESS ON EITHER matter after all this time. I get passed from one operator to the next, and I was last told this will be forwarded to an account " supervisor. '' I have submitted complaints to XXXX XXXX online, XXXX online, and MasterCard online, as well. At this point, I'm worried that 1. my points I've accrued are gone, 2. my credit report will no longer show my longest credit account in good standing, 3. I'm being charged interest through no fault of my own. Customer service used to the best, which is why I stuck with XXXX Extras for so long. Since the XXXX XXXX took over, customer service has gone DOWN THE TOILET. Please HELP! To make matters worse, I have no access to historical records of my account to do the removal of the credit card from my XXXX account. I have not received any emails from this company for months to notify my about my monthly statements or account updates, despite having an active email account at XXXX for the entire time I've been their customer.
GMAC recently withdrew their certificate of authority to transact business in Florida but yet Ocwen under GMAC 's name is making it very hard for us to keep our home. We were recently offered a short payoff by Ocwen to satisfy our mortgage loan debt. We requested an initial extension in order to organize our finances to payoff the mortgage debt. Ocwen asked that we withdraw our pending notice of error before they could consider our request for an extension. We did so in good faith and meanwhile Ocwen did not inform us that the number of days to our deadline had started. Ocwen then came back and denied the first request for an extension. Ocwen would not grant us an extension after Hurricane Irma devastated areas of Florida to allow for an inspection by the lender. We also showed Ocwen our commitment letter that said we would get funding contingent on an inspection of our home. Because of Irma the initial inspection was cancelled. Most of Florida was without power on XX/XX/XXXX and almost every business was closed and most counties were under mandatory curfews. The Supreme Court of Florida even granted an extension in the courts because of Hurricane Irma in XXXX XXXX XXXX where our home is located, but Ocwen refused to and they did not provide a reason why it could not grant the extension. Our attorneys repeatedly asked for an extension after that to allow for the inspection to occur. Ocwen denied our request and said the deadline was XX/XX/XXXXwhich was 5 days after Hurricane Irma. Prior to foreclosure we made all our loan workout ( modification ) payments in XXXX to GMAC. This was the same time that GMAC declared for Ch XXXX bankruptcy. Ocwen bought the servicing rights out of the Ch XXXX bankruptcy and prematurely foreclosed on us in XX/XX/XXXXbefore they had boarded the loan to their system and under the incorrect default date. Ocwen postXX/XX/XXXX was required to check the servicing file when they boarded the loan in XX/XX/XXXX. Had Ocwen done what was required of them, they would have discovered that the default had changed and that we had a work out agreement and seen that we over paid on our payments. We retained new counsel that filed a motion to vacate the final judgment on the basis that the loan was modified by the time the judgment was entered and therefore Ocwen or GMAC could not foreclosure. The judge asked the question what was the point of Ocwen keeping the payments we made if Ocwen did not have any intentions on modifying the loan but the judge ultimately ruled against us. Ocwen caused us to incur more legal expenses as they fought vigorously to take the deed of our home. Ocwen then recently gave us a new payoff that was exactly {$200000.00} more then the original payoff after Hurricane Irma again with no explanation why.
Hello federal agency. The creditors clearly made a mistake. I have several accounts and inquiries that are not mines. Can I please have help? How can a XXXX cardbXXXX be on my credit? How? XXXX XXXX  XXXX???? without out me noticing it. Please I need this off my credit including XXXX   XXXX, XXXX and XXXX inquiries. Please Im sorry but Im stressed.
COLLECTOR KEPT CALLING MY DADS CELL AND FAMILY MEMEMSBER 7 TIMES AFTER CEASE AND DESIST COLLECTION AND DO N'T CALL ORDERS. 

WE ARE GOING TO SUE FOR {$500.00} PER CALL
we are recently submitted a claims to varies if we got a hamp. modification from XXXX XXXX XXXX. but we forget to mention our second complain about not modifying our home because we make too much money and our debt is too high. which do n't even make any sense because we are making less we loss our XXXX and was sick for the past three years. our bank statement and everything reflect us making less and transition from one job to the next. we feel that the bank just want to sell our home and do n't want to work out a solution for us. struggling family in hard times. we send several faxes and mailing document for the past three years but there is always something that was not done or receive. we are looking for a fair chance of modification of our home.
XX/XX/2016 I was in dire need of a vehicle. I was 7 months pregnant and could not get approved for any loan. In an act of desperation, I applied to Roadloans, a subsidiary of Santander Consumer and to my surprise I was approved. After a long process of narrowing down a dealer, I was told to go to XXXX by Roadloans, because as I was told " they worked closely together and were familiar with each others practices. I went in chose my vehicle and signed the paperwork. During this process I was given what I was told would be the terms of my loan prior to me agreeing to finish the process. I knew the interest rate would be unreasonably high and that I had no down payment however with the information they provided me, I was able to calculate the vehicles cost, taxes, titles and fees along with the interest rate so that I would have a monthly payment I could be comfortable with and eventually, I could refinance my auto loan for a better rate, I expressed my concerns multiple times to both companies and was reassured that they would follow the terms of my paperwork and that my calculations would be correct. 

Once I filled out the paperwork and " purchased my vehicle '', I was informed that I had a 5 day return policy on the Vehicle. Following the closing of this sale, I was never given any paperwork or contacted during this period by Santander/ Roadloans regarding my loan or verifying the terms of my agreement. Imagine my horror when weeks later, after it was past the point of return, I received paper word from Santander stating that my loan was much higher than what was presented to me. I called to inquire about this and was told that the company later add features to my financing contract such as the Gap insurance. I asked why I was no informed that this was an additional charge prior to me agreeing to the terms, and why was I not allowed to pay for said feature upfront. I received no explanation. Also the cost of my vehicle seem to sky rocket up an additional XXXX not including taxes or fees. 

Because of this unethical practice, I am now stuck upside down with a car loan that no one will refinance. My car payment is ridiculously high and and about XXXX % of my monthly payment goes to the interest. This is ridiculously unfair. Because I was never given the actual terms by Roadloans/Santander during the days following my purchase, I was unable to return my vehicle and walk away from this fraudulent deal. If I could do this process all over again, I would have never trusted this company and would have never signed the next 6 years of my life paying almost double for a car that is not worth half.
In XXXX of 2014, I got a car loan from Westlake Financial. I agreed to a payment of {$350.00} per month. Every time I have made I was charge {$5.00} dollar processing fee. I did n't agree to the {$5.00} charge and it adds up over XXXX payment to {$180.00} more in payment on the loan. I am a XXXX vet on a limited income so this {$5.00} per month is an unplanned expense. Can these loan companies take {$5.00} from every customer? This would add up to a lot of profit on cost that was n't on the loans they give out.
Chase Bank has charged a higher interest rate than allowable by law. I incurred a charge of {$95.00} for my credit card annual fee on XXXX/XXXX/2016 and this was paid in full the following day on XXXX/XXXX/2016. The interest charged on this amount was {$1.00} which equates to 1.147 % per day or 418.79 % per year.
My total original amount borrowed is {$27000.00}, roughly. However, my interest rates caused my total balance currently to date to be nearly {$70000.00}. Over the years I contacted SallieMae/Navient many times to lower my interest rate which was 12.75 % for many years due to the fact that I was unable to make my payments. They kept having me be put into forbearance and pay the {$150.00} to which I did just so the phone calls would stop. I also told them when they did call that I was out on XXXX due to a work accident and was not making nearly what I made between my three jobs at the time. On XXXX of 2017, I called them again after I received a very high payment schedule and told them I am currently in school, and I do not even make my monthly payment at my job. Magically, they were able to reduce the interest rate to 3.0 % and also reduce my monthly payment from nearly {$1200.00} a month to {$300.00}. Even with the repayment plan that I am on, I have already had to call twice to have them " fix '' the payments because I am being charged a late fee because someone did not put the payments in correctly.
I received my consumer report from Chex Systems and the consumer report has inaccurate personal information and inquiries that are fraudulent and do not belong to me.
I've had Capital One Credit since XX/XX/XXXX. It was my first credit card and I was beyond happy that I had gotten approved, being that I was fresh from college. Long story short things happened in my life and I lost track of my payment due date one month in particular, XX/XX/XXXX, after having 8 on time payments, I missed that payment. With everyday life circumstances going on in my life, moving to a different city, life as a young mom it was stressful. However, it's now XX/XX/XXXX and I have NEVER missed another payment with Capital one since, and this one missed payment is having a negative impact on my credit and is causing me to suffer from advancing in my personal goals. I've been so loyal to the company that I applied for another Capital One Journey Credit card and was approved in XX/XX/XXXX, and I've never been behind on my payments. I'm just praying that someone can help me out so that I can further my future for the sake of my family. This issue has been a nightmare to me, because I'm really trying to obtain a high profile job with my degree.
My complaint with Select Portfolio Servicing is that they constantly keep asking for documents that were already submitted for a loan modification. When it gets close to the sale date for the house they denied the modification because they said it was close to the sales date. 
Property address XXXX XXXX XXXX XXXX XXXX, Fl XXXX
A line of credit account was opened by BMO Harris without my permission. I did n't find out about the account until I received a notice that I owed {$25.00} for service charge.
I had auto-debit set up from my EverBank checking account to pay my EverBank mortgage payments. Without my knowledge/authorization, EverBank erroneously debited from my EverBank Money Market account instead of the EverBank checking account and drained the Money Market account. Once the account was drained, EverBank sent me a late notice for my mortgage payment. On XXXX XXXX, 2016, I called EverBank to straighten out the error. EverBank reversed all charges and put all money back into the Money Market account and pulled the charges from the correct EverBank checking account. BUT they said they were still going to report the late payment to the Credit Bureaus, even though it was their error. I want my Credit Reports corrected to show no late payment. If you look at my Credit Reports, you will can see that I had a perfect, on-time payment record on all my mortgages up until EverBank made this mistake.
I have been disputing XXXX XXXX Hospital charges for about 6 months. The account was closed many years ago because I was on Medicaid who covered the balance of my medical bills. Also, I moved away from the state of XXXX on XX/XX/2015 due to XXXX  XXXX. I have lived in XXXX since then and have never been back to XXXX to incur any debt. Each time I dispute this issue with a credit bureau, the debt is sold and my credit is ruined again. I have to constantly fill out these forms and research my credit. I have to Pay for monitoring of my credit from Experian. I am being harrassed and it's too much. Please help me.
I received a correspondence from XXXX XXXX XXXX dated XX/XX/XXXX, attempting to collect an alleged debt on behalf of Pinnacle Credit Services. I responded promptly once receiving this correspondence completely rejecting, rebutting and rebuking such a false claim and advised that I owe no such debt and have no contract or obligation whatsoever with Pinnacle Credit Services. I advised them to correct their records and respond in writing that their records are corrected and reflect that no debt is in fact owed and all collection attempts and activities will cease, as of XX/XX/XXXX, I have received no such correspondence. I advised that I would file this complaint with the CFPB and afterwards move forward with litigation if this unsolicited activity and harassment continues. I have attached my correspondence below.
We annually transfer a donation thru WesternUnion to the XXXX university in the XXXX XXXX. The transfer is made to a personnel acquaintance. This year when he went to pick up the money, the local agent took the transfer codes and indicated it would take some time and he should wait a few minutes. When he returned to the agent they indicated the money was not available. As the sender we received notification that the money had been transferred. 
We put in a complaint thru Western Union on the transaction failure. During the course of XXXX follow up telephone calls one of the Western Union agents admitted they were seeing local agents defrauding customers. However they would do nothing other than confirmation the transfer.
I received a bill from Nationwide Recovery Systems out of XXXX, TX around XX/XX/XXXX, Stating I owed XXXX XXXX money in the amount of XXXX the woman I spoke to at Nationwide Recovery was more than nice, the trouble I am having is from XXXX . after speaking to nationwide recovery I was given the account number accociated with my name, My name is nowhere in their system, is what I was told multiple times everytime I asked for a supervisor they were " out to lunch ''. After calling lincare 3 times I finally got to talk to a supervisor who informed me the account number that was sent to the debt collector was from the year XX/XX/XXXX, I was XXXX years old year in the year XX/XX/XXXX. I 'm trying to purchase a home and do not need this on my credit score. Ive explained this to lincare multiple times but they are n't getting anything done. Its been almost 4 weeks that I have been stressed out about this and I need it resolved asap, I have stayed in touch with nationwide recovery and they have been great. I need to have this resolved, this is a 17 year old account. I was informed yesterday after attempting to contact the supervisor for lincare 6 times since last Friday that someone was looking into the archives to find the file, if it is in the archives how could it be sent to a debt collector on XX/XX/XXXX? I would appreciate it if you could help me resolve this matter quickly, I did n't want to leave a bad review but this is my credit their affecting not theirs. thanks for the help!
Equifax has reports my address, phone numbers, and name incorrectly as well as my student loans status, medical bills reporting incorrectly. This has significantly affected my approval for credit.
I filed for Chapter XXXX bankruptcy and included my XXXX XXXX account and my Wells Fargo Financial account. I disputed the information through all the credit bureaus but XXXX and XXXX reports have not updated.
Bloomingdales AMEX card : Attempting to close this card. Toward that goal, on XX/XX/XXXX I instructed my credit union to pay off the balance of {$68.00}. Bank records show the payment was made to AMEX on XX/XX/XXXX, six days prior to the beginning of the card 's next billing cycle. Next monthly statement I received showed the {$68.00} as " overdue '' and a new {$40.00} " late fee '' added by the company. I have disputed this and provided proof that the payment was made by the credit union on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX representing Bloomingdales AMEX with false claims that there is insufficient evidence of the XX/XX/XXXX balance transfer. Bloomingdales AMEX has acknowledged the balance transfer by deducting the {$68.00} but has kept the erroneous {$40.00} " late fee '' on my account. I have sent to XXXX XXXX by certified mail further proof provided to me by the credit union, attached here as well, that the {$68.00} was paid by the credit union on XX/XX/XXXX, and that Bloomingdales AMEX did NOTHING until XX/XX/XXXX, thereby creating the delay for which they now expect me to pay a late fee. I have demanded that this false information be removed from my account and that the account be closed ; so far the company has ignored me.
In  XXXX  a Debt collector was take the money from my paycheck, to pay off a sams credit account that went in with to collections in  XXXX . is now  XXXX  I am trying to refi my home and it tuns out that I have a linn against me from sa m 's  with a bal. of  XXXX  +, with out my knowledge sam 's club recall the account when there was still a balance. it has been there f or four yea r and no body ever contacted me about it. I been calling them since  XXXX   XXXX  to send me and the title company the pay off bill. but for some reason they been ignoring my request it is now almost a month and all I get from them is that they will send it again but it will take from  7 to 10  days. this is costing me. since interest rates went up I wast able to close escrow and now I have to pay a higher rate because of them.
I had transfer a fund through XXXX XXXX in the amount of {$2500.00} to Coinbase, Inc Account from my XXXX  XXXX XXXX checking Account on XX/XX/2017. It says the fund would be available the next day, since I made the transaction after XXXX XXXX, but it has been 3 days and the fund is still not been available in my account. I tried to contact their customer support but they do not respond with the status of my transfer. All they send is an email saying the following : " Thank you for submitting your request. We have received your request and are working on responding to you as soon as possible. ''
Homeowner received letter of collection from XXXX XXXX XXXX. The letter advised unless there is dispute the validity of the debt or any portion, there was thirty days to respond which HOMEOWNER requested validation of debt with cease / desist response. XXXX XXXX XXXX ( XXXX XXXX ) statedXXXX XXXX XXXX does n't have to respond and will not respond. Then XXXX XXXX stated the information was sent to Wells Fargo Bank, you can ask them for the papers. 
Wells Fargo Bank XXXX XXXX home preservation specialist stated Wells Fargo Bank had not received any information from attorney XXXX XXXX XXXX. Wells Fargo Bank informed XXXX XXXX informed HOMEOWNER, he needed to call XXXX XXXX XXXX. 
The XXXX Georgia Community Organization OCCUPY OUR HOMES XXXX reported XXXX XXXX, XXXX Wells Fargo Bank Mortgage/Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX contact : XXXX XXXX has been instrumental in assisting banks in their effort to steal wealth from hard working Georgia residents. XXXX XXXX has excelled at putting people out of their homes and into the street. 
XXXX XXXX for going the extra mile to swiftly remove people from their homes so that banks can claim massive inventories of vacant homes, collect insurance, and then sell homes to private equity firms at record rates.XXXX also played a key role in the robo-signing scandal. In fact many fraudulent robo-signed signatures were signed by XXXX XXXX personnel. Robo signing may not have been possible without the tenacity of XXXX XXXX. XXXX XXXX has, and they certainly have profited greatly. HOMEOWNER asked XXXX XXXX XXXX Assistant Attorney ( XXXX XXXX ) about verification and XXXX stated what Wells Fargo tell them is good enough for them. 
HOMEOWNER never did receive any verification from cease and desist letter submitted to XXXX XXXX XXXX attorney firm. 
On XXXX XXXX, 2013, Wells Fargo Home XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX REPORTED XXXX WAS HOLDER OF DEED AND PROMISSORY NOTE ON LISTED PROPERTY. WELLS FARGO HOME MORTGAGE WAS SERVICER FOR XXXX XXXX XXXX. When HOMEOWNER reported that XXXX XXXX XXXX had reported not to be lender of deed. XXXX XXXX XXXX RESPONDED WE JUST GO BY WHATC WELLS FARGO Bank tells us. which IS FORECLOSURING ON FOLKS ON HERESAY AND NOT INVESTIGATING FOR LEAGALITY .... 
XXXX XXXX XXXX ( XXXX XXXX ) statedXXXX XXXX XXXX does n't have to respond and will not respond. Then XXXX XXXX stated the information was sent to Wells Fargo Bank, you can ask them for the papers. 
Wells Fargo Bank XXXX XXXX home preservation specialist stated Wells Fargo Bank had not received any information from attorney XXXX XXXX XXXX. XXXX XXXX informed XXXX XXXX XXXX, he needed to call XXXX XXXX XXXX.
XXXX unauthorized credit inquires on the report. 
My information was compromised from XXXX  data hack my information was compromised and used my identity. 

Company was notified by mail but refuses to remove them from XXXX credit report. 
XXXX  refuses to remove them also