WillisBack/dataset-financial-user-claim huggingface dataset:
This is a new complaint but it follows my last one which was : XXXX. After my last complaint that the bank was foreclosing because I did not sign the appropriate papers. I am pleading with you for help. The following are my issues : 1. DITCH Foreclosed again! 
2. Although the bank did respond to you, I did not get anything from the bank until after the foreclosure on Monday, XX/XX/XXXX. 
3. The Atty General 's office of Missouri wrote a letter to the bank and asked the bank to postpone the foreclosure so I can reapply for loan modification. 
4. I reapplied and I also set in the original paperwork.
5.The bank sent an e- mail to the atty general 's office on XX/XX/XXXX that they are requesting a postponement and will get back to him. 
6. I called the bank onXX/XX/XXXX and asked if they got everything i sent in as far as the original papers and the loan modification papers. 
7. The bank told me on XX/XX/XXXX that they got my papers and everything is ok and I am being put back on the same mortgage payments as before. I asked them if I will get that in writing and they said " sure '' in the near future. 
8. I am in Chapter XXXX and my attorney took the house out of the plan while I was in loam modification. I was paying my mortgage every month without any problem. My attorney told me that if I am having a problem with the bank and the foreclosure he can put my house back on and I will be protected from foreclosure. 
9. He did n't do it bec the atty general 's office told me that everything seemed like ok and it looks like its being postponed and if they hear anything they 'll let me know. 
10. And the bank told me I was ok and no foreclosure. SO my atty did not file to put the house in my bankruptcy which would have protected me if I knew they made a decision. 
11. I also was n't able to go to the auction which i understood i could have bec i did n't know it was still on. 
12. The Bank did n't tell me or the atty general 's office what they decided until after they sold my house and THAT IS NOT RIGHT! I could have taken care of things. AND the bank told me they are not doing it. 

PLEASE HELP ME!
After finalizing a loan that absorbs a previous loan, a miscalculation based on poor advice from the bank led to a series of debits to my checking and savings accounts, and overage charges to my credit card. 

Wells Fargo is unwilling to provide a chronological, descriptive accounting of these transactions, so that I can ascertain if ( as I believe ) my accounts were debited more than once to repay the original credit card issue. 

Rather than providing the documentation, they insist on my returning phone calls despite withholding information regarding the calls ; they give no last name or title of the person phoning me, nor any agenda or extension to return the calls. 

Wells Fargo 's incessant telephone menu items preclude connection with a banker, when the issue at hand does not meet the criteria they offer ; hence, attempting that route has proven frustratingly unproductive to me.
Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX According to the Secretary of State Debt Collector Search website, this company does not have an active Texas bonding company.
Synchrony Bank that I have an XXXX XXXX XXXX card through has been harassing me. I have had a payment scheduled for at least two weeks ( including my late fees in the amount of {$180.00} ) from a prior payment that was due. Regardless of the fact that a payment was scheduled they have been calling me every single day at least 3x per day if not more for the last two weeks. I understand that money is owed to the company on my end but with other companies that I have accidentally been late on a payment usually as soon as I schedule a payment there is a promise to pay and they stop calling me. This company called me twice today and the payment is scheduled for today and shows up on the website account page as being scheduled. Yet they STILL call me!

I don't know if it's harassment but it's not okay whatever it is. I have had so many problems with this company in the past and as soon as the school costs that are remaining on it are paid off I am so done with this company they do not care about their clients.
bank of america card #: XXXX XXXX XXXXA purchase was made online for rental car insurance for the amount of XXXX.  The coverage was canceled by me, and an email was sent to me from the providor of the services that a credit would be applied to my account.The refund policy as explained on the sales order, is that refunds will be processed in full as long as it is canceled before date and time of service, which can be seen in the sales order and email.Bank of America is refusing to further pursue the claim stating I do not have a valid credit slip from the merchant.I have supplied them with a copy of the email stating the cancellation with credit, the return policy etc..  They refuse to issue me a credit
In XXXX there was a vehicle loan taken out through Santander USA that involves my name and my data birth I 'm not sure if the other identifying factors are associated with it it appears on my credit report I have tried on a number of occasions monthly since XXXX when I found out about this vehicle loan to get it removed and find out information about it I have yet to receive any information from Santander USA
I contacted XXXX who is collecting on behalf of Calvary SPV LLC. I spoke to a XXXX XXXX. Upon I asking for proof of debt, proof that they are licensed and bonded in my state she began to get annoyed and very nasty to the point that when I asked to allow to state that I was requesting certain documents for the record she stated that she does't have listen to me and hung up. AT no point was she able to tell me the date of first delinquency, license number, she basically only wanted to collect money. She never informed me that I can dispute this information. I then was upset and called back and spoke to customer service supervisor XXXX XXXX. I explained the situation and that I wanted her to correct XXXX XXXX conduct and how she violated my right under the FCRA. I also informed her that I was going to file a compliant with the FTC and CFBP.
I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now stressed, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609.
1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. Syndicated Office System
Navient student loan- I have ask for a lower paying option and they offer to place it in a forbearance which has caused my credit score to drop and also raise my loan higher.
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Approximately 1 year ago, I submitted a request for removal of PMI associated with a home loan. At that time, Shellpoint advised that we would have to pay " at least {$400.00}, '' for an appraisal to be done ; however, would not provide a maximum amount. They essentially wanted me to sign off on an appraisal that could theoretically be of an unlimited denomination. In an attempt to remedy the situation, I called the lender numerous times requesting assistance and an maximum amount of the appraisal without response. In the end, I filed a complaint with the CFPB in order to get some action from the lender. Only at that time, did they advise that the cost of the appraisal would be approximately {$590.00}. Total time elapsed over 6 months.

Several months ago, we contacted Shellpoint to move forward with the PMI removal process and was advised via email on XX/XX/2018, that we would need an appraisal and to respond to the email in order to move forward. I responded to that email as directed, but did not receive any further communication other than an email acknowledgment and several notifications ( via mail ) that " we are working on your problem. '' Since that time, we have contacted Shellpoint numerous times via email and phone to be told EVERY time that a prior agent had made an error and that we would immediately get the document which needed to be signed before moving forward with ordering the appraisal. Finally, on XX/XX/XXXX, we were told that there must be " some issue, '' and that a supervisor would call us back shortly. Again, nobody contacted us back. Today, XX/XX/XXXX, I called again and was transferred to the voicemail of a manager, who has not phoned back. 

Shellpoint 's lack of response to inquiry, or to escalation to management, is pervasive within the company. Each agent acts with confidence that they know what is wrong with the process, yet EVERY time nothing is fixed. We get letter after letter stating that " we are working on it, '' yet never get the process moved forward. This lack of response by the company has cost us well over {$1000.00} due to their lack of response. I have given Shellpoint adequate opportunity to do the right thing, but again, they have not ; thus, request that an official investigation occur to remedy this situation.
I have XXXX and was notified by them that a collection had been reported to the credit bureaus that I had no notification or knowledge of. My credit score was over XXXX and I dropped XXXX points because of this. I XXXX the company ; Debt Recovery Solutions and found a phone number for them. When I called they state it was a medical bill from XX/XX/2011 from XXXX XXXX. I did live there at this time. I was located in a house for five years that we had purchased outright, never have I received anything. We then relocated to XXXX, XXXX and have still never heard anything pertaining to this account. Now it has trashed my credit and I was NEVER notified before hand.
I recently opened a new Wells Fargo checking account. I decided to do this because the new checking account bonus of {$250.00} was very attractive. I have completed all requirements to receive the bonus deposited to my account. I did call and received confirmation that was account would be credited to bonus. Sadly, I am still waiting! 

I was also told for all the inconveniences, the phone banker stated they would reverse all of the {$35.00} fees. Truthfully I would not been charged over draft fees of Wells Fargo had credited my account as promised
XXXX   XXXX ,  2017 Feder al Trade Commission  Consumer Response Center   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX  : CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against  XXXX   XXXX   XXXX , Experian,  XXXX ,  XXXX .  <P/> For the last 2 months I have filed more than  XXXX  disputes against  XXXX   XXXX   XXXX , reporting of my car loan balance and as of this 60+ day mark the issue has not been resolved.  <P/> I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with  XXXX   XXXX   XXXX  to date. Today I received another letter from Experian stating that  XXXX   XXXX   XXXX  has properly investigated my balance and is still reporting my balance as {$19000.00} since  XXXX    XXXX    ( re cently updated in  XXXX  the same balance. I also received an alert from   XXXX   that my balance is {$19000.00} and has been so since  XXXX ,  2017 I con tinue to send the same documentation to the  XXXX , Experian and  XXXX  ; I have called   XXXX   XXXX   XXXX   and the representative was clear that my balance is not {$19000.00} as being reported by the company to the credit bureaus and the credit bureaus are not reviewing the documentation as they are supposed to. Enclosed I have copies of my auto loan statements from  XXXX ,  XXXX  and  XXXX  as you can see the statement dates are the  XXXX  of the month and no not show a balance of {$19000.00}. According to the FCRA I have a right to an accurate credit report and this is not accurate. If the credit bureaus refuse to report the information properly then I have a right to damages for non reinvestigation.  <P/> I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below.  <P/> Thank you for your assistance.  <P/> Sincerely,  XXXX   XXXX
Unauthorized inquiries on credit report. Have contacted creditors and creditor bureau numerous times without recourse. Many inquiries are duplicates. XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX.
My identity was used to open a credit card through XXXX XXXX XXXX XXXX in the amount of {$300.00} opened on XX/XX/2013 by some unknown individual. XXXX XXXX XXXX XXXX  I assume was unable to contact me because I wasn't the individual involved and as a result sold this account to XXXX XXXX XXXX XXXX XXXX a debt collection agency. Recently I had two collection accounts negatively affecting my credit report and FICO score. I contacted all agencies involved concerning my files and after further discussion XXXX XXXX XXXX was kind enough to have all credit reporting agencies delete my files. However when I contacted XXXX XXXX XXXX XXXX several weeks ago they did not provide me with via mail : How the account was applied for, what transactions if any were made on the account, what identification was used to open the account, and/or the address used in the process. Because they didn't provide this information I was unable to file a police report with the City Of XXXX for identity theft. As of today this account is still showing negative on XXXX and Equifax credit reporting agencies adverse affecting my score. 


I truly believe that the government should take action and not allow banks or any other companies continue to open accounts on-line because identity theft has become prevalent in our community. This crime wave has caused numerous of hardships in America and was only enacted because of greed. Now organizations are offering fraud protection programs which is completely unnecessary if we get back to the old way of conducting because which is face to face contact with required identification.
AD Astra continues to report information on my credit report that is in violation with the FDCPA, Fair Debt Collection Practices Act. AD Astra continues to violate the Fair Debt Protection Collection Act by reporting information and claiming that I owe them monies. I have never entered into any contract or agreement with this company. Because they are a 3rd party collector, they must receive my permission to furnish any information on my credit report. They did n't do that and I will never give a debt collector permission furnish information on my credit file. They also violated a cease and desist letter sent to them by me, certified mail. They continue to contact me claiming I owe them monies. I have asked over and over to send me debt validation and were not able to validate anything but continue report false and misleading information on my credit file. They are affecting by ability to obtain credit.
The reason for my writing this complaint, is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized inquiries to my credit file. 
As a result, I disputed this identity fraud with this company on XX/XX/18 by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. 
Let this be a written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented disputes coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. The following are the fraudulent inquiries that I needed removed by this company : EXPERIAN XXXX XXXX, Inquiry Date XX/XX/2018 XXXX XXXX XXXX, Inquiry Date XX/XX/2018 XXXX, Inquiry Date XX/XX/2018 XXXX   XXXX, Inquiry Date XX/XX/2018 XXXX XXXX XXXX XXXX, Inquiry Date XX/XX/2018 XXXX XXXX XXXXXXXX, Inquiry Date XX/XX/2018 I am attaching the dispute letter/documents I sent to this company on the XXXX of XXXX, 2018 in case they need to reference or review.
I get almost daily calls from Transworld Systems. I have no debt. I feel it is just a scam and I will not have anything to do with them.
I  currently notified the mortgage company because I noticed that my mortgage does n't report to the credit bureau. They informed me that since my xhusband filled for chapter  XXXX  in  XX/XX/XXXX  that is the reason. I explained to the mortgage company we have been legally divorced since  XX/XX/XXXX and that in the divorce decree my xhusband relinquished all aspects of the property and a quick deed has also been issued to the mortgage company. The mortgage company informed me that since my xhusband never reaffirmed the dept that there 's nothing they can do. I informed my xhusband of the new findings and he stated he was never notified or informed that he needed to reaffirm the dept with whom he filed chapter  XXXX  with nor did he keep any of the paperwork. Not even the mortgage company that we previously had informed us as to why I could n't receive or why they were not reporting to the credit bureau until this new mortgage company that the loan was sold to informed me as to why I never get a mortgage statement and why they do not report to the credit bureau. Now I need to have the mortgage company to report to the credit bureau since I make all the mortgage payments since  XX/XX/XXXX .
Experian claimed to place a security freeze on my credit based on another CFPB complaint due to fraud in XX/XX/2018. Experian never mailed me a PIN number. Through the online system, i could tell that no freeze was placed. I filed a second CFPB complaint that seemed to work - the online system verifies a freeze in place. The issue is that Experian has not sent me my PIN through multiple online and 2 separate mail attempts since XXXX to retrieve or prompt for the PIN. Online attempts say that they are unable to honor my request and to mail the information in. I have sent the mail format along with requested documentation in twice! I am unable to get in contact with anyone at the company to assist with identity verification so that I can retrieve my PIN.
They tried to get me to settle with XXXX XXXX XXXX XXXX for {$580.00}, I rejected their offer on XXXX-2017, I told them not to send me any more bills from them.
Received Letter dated XX/XX/XXXX from XXXX XXXX XXXX ( Home Improvement Account ) thru XXXX XXXX   issued cards stating that they were lowering Credit Limit to {$7200.00} from 10,000 Derogatory public record or collection filed Ratio of revolving balances to credit limits too high Proportion of loan balances to loan amounts is too high Too many inquiries in the last 12 months I obtained the same report as they did thru Equifax Credit Information Service I call Equifax & Credit Card company ( Credit Card Company would not commit on which reason listed above was for the decrease in line. They dumped it on the Equifax credit profile as what the reasoning for the Decrease.  Equifax has nothing to do with lower my credit card limit. They only report findings & it is up to the Bank issuer to do what they want with the report!!!! 

About my Credit Report : My Discharge Bankruptcy was on my Credit Report when I initially took out the Home Improvement loan. 

No other Derogatory or collections open then or NOW I had ( 3 ) Inquiries in ( 1 ) year & nothing recently Ratio of revolving balances to credit limits too high -- - NOT TRUE nothing has been opened since this Account opened, and all outstanding debts have been paid as agreed and the Home Improvement was PAID initially in XX/XX/XXXX with {$3000.00} towards open balance which PAID THE LOAN DOWN CONSIDERABLY. So I have paid loan down far better than minimum payments!!! 

I feel I am unfairly being treated under the Fair Credit Lending Practices!!!!
I paid for a used  XXXX     XXXX   XXXX    and paid {$6000.00} all cash so I own the car outright. The document I submitted is a " WE OWE '' the customer document that clearly states my terms for purchasing the car that I negotiated..which is to have the car be fixed so that I can lock and unlock electronically.     I purchased the car on  XXXX   XXXX ,  XXXX . It is now  XXXX   XXXX ,  XXXX  and my car has not been fixed and all correspondence has ended between  XXXX   XXXX  ( the employee who sold me the car ) and myself.     I have email correspondence with  XXXX   XXXX  ( that I could not send electronically to you since you do not accept email as a way to upload a complaint ) that shows on 4 occasions that he said he would get the car fixed because his  manager a pproved the car being fixed and gave him a budget to get it done. Yet, 2 weeks later the car is not fixed and I do not have my car.     Please allow me to email you our correspondence so that you can see this is fraud and I can get my money back and you can go after   XXXX   XXXX   XXXX   with the all legal powers you have. They are no longer responding to my emails or phone calls.     Thank you.
I have multiple inquiries that was not authorized.I did not ask these people to run my credit for the following companies .... 
XXXX XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize XXXX to pull my credit on XX/XX/XXXX