WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It May Concern : I 'd like to report a CRA/UDAAP issue with my credit card account from Bank of America as they have operated in a practice that is deceiving to consumers. As a consumer, I have a XXXX % payment performance and have never missed a payment in my life on anything. With Bank of America, I had a closing date on my credit card of XXXX/XXXX/2016 and I therefore paid my bill on XXXX/XXXX/2016 via electronic transfer from my checking to credit card account. In addition, I paid extra during the month to make progress on paying down my debt. Instead, Bank of America credited my payment to the previous month ( not quite sure why ) so by being proactive and paying the date following my closing I was penalized. They have offered to waive my late fee but reported that this will be transmitted to the credit bureaus which I will be disputing with the credit bureaus. My goal is to have this noted and to have an advocate as I seek to adjust my credit bureau reporting.
Dates back to XX/XX/XXXX loan from XXXX XXXX XXXX improper security deed was sold to XXXX XXXX in XX/XX/XXXX then again to XXXX  XXXX XXXX XXXX filed Bankruptcy XXXX XXXX  XXXX XXXX agreed to loan modification with missed payments have statements showing no interest accruing from XX/XX/XXXX thru XX/XX/XXXX payments were to resume with lower interest and lower rate XX/XX/XXXX house fire XX/XX/XXXX attorney realized error on security deed house was free and clear XX/XX/XXXX filed case in court against insurance company and XXXX  XXXX XXXX to get funds released for Construction Company to be paid XX/XX/XXXX XXXX XXXX XXXX sold loan to Nationstar XX/XX/XXXX XXXX  XXXX XXXX   discharged loan with bankruptcy and sent {$1000.00} check for problems XX/XX/XXXX agreed to modify deed to include both parcels with agreement that NationStar was going to give us a contact to work with to get the problem straightened out. 
XX/XX/XXXX attorney contacted the person Nationstar sent information for ... we were given the information. I contacted him and was told we knew nothing about us. Our attorney contacted him again and told me to call him back. Again, he would not talk to us. 
XX/XX/XXXX we began receiving foreclosure letters. My attorney began sending letters stating that we were working with Nationstar. The attorney for Nationstar stated they were foreclosure attorneys and that is what they were going to do. 
XX/XX/XXXX the 1st foreclosure took place. 
XX/XX/XXXX received XXXX from Nationstar regarding foreclosure XX/XX/XXXX received eviction paperwork and appeared in court. This was dismissed because they had only foreclosed on the one acre and we had paperwork showing we owned the house free and clear. My attorney told us they had 30 days to file a motion. 
XX/XX/XXXX received paperwork from court that they wanted to file for reformation. 
XX/XX/XXXX after my attorney told me the courts had to do what was legal not equitable and Nationstar attorneys lied, left out a lot of information, making it appear that the loan had went directly from XXXX XXXX to Nationstar and I had not paid anything since XX/XX/XXXX ; instead of not having paid since the loan modification XX/XX/XXXX and bankruptcy charge. The reformation was allowed. The tax assessor website shows the name change to XXXX XXXX XXXX in XX/XX/XXXX. 
XX/XX/XXXX the 2nd Foreclosure took place XX/XX/XXXX I receive a cash for keys offer and my attorney now tells me 'I have never heard of this, take it and see what happens '. I have diligently been calling and emailing anyone and everyone I can think of to try and get this looked at because I don't feel like it is correct.
Me and my father-in-law both have been harassed by phone by Esser James and Associates daily for 6 months. Esser James and Associates were looking for a woman named XXXX XXXX, who we have never heard of, and has never lived in our home. We contacted the Attorney General to make the calls stop, but instead of stopping, they moved on to calling my and my father-in-law 's personal cell phones. The calls stopped on my end when I let my prepaid cell phone run out. They have been relentless on my father-in-law 's phone, however. I 've been looking for solutions to make these people stop harassing my family looking for a person who does n't exist in my home, and who we do n't know, but have been unable to find a solution.
On XX/XX/2018 I wrote and sent a dispute letter to Experian regarding a public record on my credit file. They sent me a letter today on XX/XX/2018. In the letter it states they verfied the public record as accurate and they will not investigate the item again. Experian did not mention how they verfied this public record. I contacted the bankruptcy court located at XXXX XXXX XXXX, XXXX NJ. They told me they don't provide any information to credit bureaus or 3rd party organizations. They even sent me a letter stating this and made a copy of the letter and I sent it to Experian. Experian is stubborn and refuses to correct this inaccurate information.
Additional details and documentation attached ... 

Approximately 10 months in on a 30 year FIXED rate mortgage. The loan servicer " Ocwen Loan Servicing, LLC ''. Has informed us that they are changing / increasing the amount of our Principle & Interest payment??? 

Although a minor increase. We were informed from the start that a 30 year fixed rate mortgage is exactly that - Fixed!!! This is NOT an escrow issue ... They are increasing our interest payment. 

We feel this may be the tip of the ice burg! Ocwen services millions of loans and may have been doing this for years to millions of other borrowers! 

XXXX XXXX XXXX, XXXX
I called Chase bank on the phone to close out my account after paying off the balance that was displayed online. I told their customer service rep to close my account and at which time was told my balance was XXXX. The account was closed, but later there were " pending '' charges of which they did not tell me would stay on my account. These " pending '' charges that I was not told about stayed on my closed account, racked up fees and eventually went past due and I was reported to the credit bureaus as past due. I never received any statements in the mail from chase about these past due charges. I only found out after a credit monitoring service alerted me to the fact. Despite calling chase, and getting the fee 's reversed and the balance paid out, they told me I was not able to reverse the ding on my credit report. 

I really feel that this issue is with Chase 's website. I don't feel that the probably display if you have any pending transactions on a closed account, and at the time of me closing my account it said on their website " Balance XXXX '' This is very misleading. I never received any emails/letters in the mail about this matter either. Thankfully the bank reversed all of the fee 's and interest, but said there was no way for me to reverse the hit on my credit report. I was planning on buying a house in the next few months and now this might cost me money or ultimately hinder my ability to get a mortgage.
After being discharged from bankruptcy on  XX/XX/XXXX  . This particular law firm that harassed me all through the process was able to go back to the courts and claim that they have tried to reach me through mail and had sent the marshals to serve me all in the months of  XX/XX/XXXX   thru   XX/XX/XXXX  . None of which is true. I have lived in the same complex since   XX/XX/XXXX  . They claim is I owe {$1400.00} for a apartment where I once lived. This was in my bankruptcy. They have contacted me back then through different agencies. So since they made claim that they tried to contact me, they were able to have a Judge place a judgment lien on me. I only learned of these actions through a credit monitoring account I have. By the time I found this out it was too late. How ever I did reach out to the firm that represented me before and was told that he would try an get to the bottom of this and get it straightened out. But I have had no response from him. My rights have been so violated. I went thru all the steps required in my bankruptcy, and still this firm who has no regard for my rights have gone after me under cover and won..!!! What do I do..??
I am following up on CGPB Case XXXX. I received a letter from Synchrony Bank in XX/XX/XXXX stating a resolution to the outstanding complaint and at the same time, received their updated billing statement which does not match the commitment made on the letter. Please see the attached.
I received a loan from Advance America, XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX, XXXX, Fax XXXX. I got myself trap in the unrelenting cycle, but paid as required every month. My wife lost job and I had to make some financial decisions. I am on a small SSI income. My first order of business was to find a way to get out from under this cycle. I found a program thru a debt relief XXXX. They contacted Advance to negotiate an agreement to paying off the loan. Advance refused to speak with them even under a POA. We could not understand why. XXXX contacted me and ask me to go in a request a rect of balance and fax it to them, they in turn would cut a check and mail it to Advance attached to rect. I contacted Advance and they would not give a rect of bal unless I came in and made arrangements to pay the bal of {$500.00} off. I explained to them again my situation and I was not trying to renig on my obligation but getting help to pay them off. They refused to speak further on the subject and refused to mail or allow me to come in and pick up the needed rect of bal. Is there not some law that at least allows the consumer right to request documented proof of what is owed? This can be resolved today if they would give me that rect. it seems they are trying to keep me locked in to their contract. What can I do? XXXX said Advance told them they would not talk or give them anything, even with a POA. I feel I am being manipulated and my rights are being violated when I have resolved a means to this end. Thank you, can you help me resolve this matter? XXXX XXXX
Today once again this company has placed a debt on my credit i do not owe. It has been previously blocked after placing the FTC report months ago and I believe it added the balances together to resubmit a different amount. If it is somehow a new debt I could not possibly owe it since my platinum ppo blue shield health plan covers 100 % of hospital visits and it is a billing error on the part of XXXX. This is the abuse that can cripple chances for folks to ever get ahead. I have attached a copy of my health info witch would completely invalidate such a debt. 

This is nothing short of extortion.
This is the third time I am writing you about harassment from Capital Management Services. They have once again resorted to calling my cosigner at her place of work in intervals of less than thirty minutes claiming it 's an emergency. This is especially egregious because they denied doing so. My cosigner is a XXXX. Capital Management decided that since I was n't paying them quickly enough on my fixed income that they 'll do their best to get my cosigner fired. This harassment is ongoing. Please call XXXX XXXX XXXX in XXXX, GA to verify how many times they call daily because XXXX times when they submitted a response to this office, they knowingly lied. Why is a company openly allowed to spite taxpayers? Why is this company allowed to endanger children repeatedly by tying up the phone lines of the public elementary school my cosigner works at, when I can be reached? Will they ever face any type of punitive measures for harassment and pettiness or is that only reserved for working class individuals?
Equifax keeps reporting XXXX account 30 days late and is not 30 days late They have reinserted previously deleted report they remove from negative and inserted again They had removed the 30 days late and they reinserted again They report as a negative account and its not negative Not 30 days See attached bank history " Days '' column never 30 days late Please have Equifax remove from negative remove the 30 days late
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that US Department of Education reported a late payment regarding my account XXXX I am requesting that this late payment be assessed for accuracy. 
I believe this reporting is incorrect because I 've received payment summary for the last 5 years enclosed. I have included the documentation to prove that I made payments during this time / that my loans were in forbearance/deferment and did n't require any payments. 
Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. 
Thank You. XXXX XXXX Loan Account # XXXX Loan Account # XXXX Correspondence Address Sallie Mae XXXX. XXXX XXXX XXXX, XXXX XXXX Fax : XXXX
They called and gave out all of my personal info without verifying who they were or if they were talking to the right person. They gave out my American address and last XXXX of my social.
We had a fire at our home ; received the check from the insurance company and it was made out to my name and Wells Fargo. The local branch said we had to sign the check and send it to Property Loss Dept. in Ohio, they also said that we had to furnish them with a pay off quote from the home equity dept. and sign it ; the local branch overnighted the check but we had to wait to send the letter because a payment was due so we had to wait again to submit the info so I had to call home equity again to get a pay off figure, I faxed it to property loss and they told me it takes 2 days to verify a fax! another week I called again and they told me they ca n't honor the verbal quote I need a fax from home equity dept. I 've had numerous phone calls placed and the loan is still not paid. It is XXXX XXXX and the last call was that the fax was forwarded to the dept. that will expedite this but I still do n't have answers as to when this will be paid and when we will receive the rest of our money that they are holding in an account. Can you please help us?
We have been having problems with the XXXX XXXX XXXX online payment system and now with their credit reporting department. 

XXXX 's online system was broken/unavailable/ had issues, that resulted in a possible late payment of our card in XX/XX/XXXX. 

We called in XX/XX/XXXX ( applying for a mortgage and checked the report ) have requested that they correct our report reflecting timely payment, since it was their fault since their online system is broken even as of today. 

The CS rep for the credit card was rude to me and very aggressive. She was impolite and spoke very harshly with me as if she was doing favour to me just by speaking to me.

We feel that it is improper and irresponsible that they deal with us in this way despite us being good customers with an impeccable credit record ( we don't have any other late payments ever in our reports ). 

This has happened solely because of the unavailability of their online systems for payment. 

We request that customers using their credit card be aware that their systems have not been fixed in the last one year, and be aware that their response is rude, very unhelpful and callous. Hope that our experience with them serves as a rude awakening to customers using XXXX XXXX XXXX card. 

We request that the CFPB look into this matter for an amicable resolution and prevent such occurrences to help consumers.
Chase Bank charged me {$68.00} for XXXX overdraft fees because XXXX withdrew money from the bank account minutes prior to the deadline in which a {$34.00} overdraft fee will be applied. Chase has a blackout period and will not notify me via email or app notification of an overdraft if it occurs overnight. Chase refuses to return at least half of the money taken.
Transunion is reporting a collection on my credit report from 1998. I got a ticket for something when I was XXXX years old and had an unpaid fine. I did n't realize that I should n't pay a debt from 18 years earlier but I did and now it is damaging my credit. I 've disputed with Transunion three times to remove it and they refuse. Please get it taken off my account.
Dear Sir : I wish to bring a matter concerning Synchrony Bank to your attention. Over a year ago I opened a credit account with Snynchrony Bank for {$1200.00} in Dental expenses. The account offered 0 percent interest if the amount was paid in full within 18 months and punitive interest rates on the whole amount if not paid in full. I understood that. Synchrony never sent me any statements, instead they sent monthly emails listing my balance and a " Total minimum payment due. '' The email offered a link to my statement if I wanted to take the trouble to go to their site log in, password etc which I recognize I should have done. In fact in spite of my knowing that this was designed as a snare for the unwary, I allowed the period the grace period to expire. My fault, they won. 
Except : every email stated a minimum payment due which I was always careful to meet and usually paid more than the minimum. 
From XXXX : The minimum monthly payment is the lowest amount a customer can pay on their revolving credit account per month to remain in good standing with the credit card company. Making the monthly minimum payment on time is the least a consumer needs to do to avoid late fees and to have a good repayment history on his credit report. 
I call your attention to the part of the definition of minimum payment above that says : " the least a customer needs to do to avoid late fees. '' I say that including a minimum payment amount in the email and no other information is misleading. 
If they had not listed a minimum payment in their emails, I would have had to seek out the statement and realized the situation. Or if they had mailed paper statements, I would have caught it. I admit it, I was lazy and too trusting. Whether they were deliberately misleading to the point of crossing the line from merely unethical to actively fraudulent I leave to you as a disinterested observer. 
Thank your for your time, XXXX XXXX mail : XXXX XXXX XXXX XXXX XXXX OR XXXX email : XXXX phone:XXXX extracts from 2 Snychrony emails for reference : From Synchrony ; XXXX Here is a summary of your statement : Payment Due Date : XX/XX/XXXX Statement Balance : {$580.00} Total Minimum Payment Due : {$27.00} Promotion ( s ) Expiring Shortly. See the promotional box on the statement for additional details. 
XXXX Here is a summary of your statement : Payment Due Date : XX/XX/XXXX Statement Balance : {$1000.00} Total Minimum Payment Due : {$34.00} balance {$580.00} interest {$460.00}
On XXXX XXXX, 2016, I received a message from XXXX through the Simple Support messaging system saying my account was pending closure because my account use did not meet the requirements of Simple 's agreement. They froze the account. I called to find out what happened. The rep told me " my account no longer qualified for phone support. I am going to have to end this call ''. THEY HUNG UP ON ME. I kept calling bc I could n't believe it. I called the next day and got a " this number is out of service '' message. I 've my friend call & she gets right through. They blocked my number using a fake out of service message. They blocked me from the support site with a fake " we broke the internet '' page. ( see we broke the internet vs everything 's fine attachments ) What did I do to deserve having my money stolen? Who knows? But it is not just me, I found 10 more cases. They promote themselves as being human goodness but this is the most hateful, disrespectful, offensive company ever. I could n't pay my rent I am up to {$400.00} in late fees and pray I do n't get evicted. I have another {$250.00} in late fees from my other bills. I was supposed to get a cat scan on the lump in my neck. Could n't do it. ( It 's either an XXXX or XXXX. No biggie. I have reached my limit of how much more I can take. was hit by a XXXX lb SUV while walking & got a XXXX from the XXXX and XXXX. I thought my life was calming down. I don ; t have the money for the late fees. What to hear something funny? I decided to see if I could sign up for a new Simple account. Hoping if I was rejected it 'd tell me why. Nope, I was accepted. They have also lied to the XXXX saying they could not talk to them because of my privacy rights. There is nothing in the privacy agreement that prevents them from talking or me waiving my right.
Correct account status for XXXX XXXX XXXX loan is in good standing and current since XX/XX/2014. This account is not a charge off nor associated with open bankruptcy. XXXX XXXX has confirmed they are not updating an adverse or negative status to any of the 3 credit bureaus.
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
I live in a federally declared disaster zone from Hurricane Irma. ( XX/XX/2017 ) My mortgage company offered me a 90 day forbearance on my loan, which I accepted. However, after day 34, they reported to all credit bureaus as a missed payment. I called and complained, and they told me that they were fixing it. To ensure no more issues, I told them I will be making all payments as usual and I did. They still reported to all three bureaus the following : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX reported as NO INFO, XX/XX/XXXXwas reported as 30 -- 59 days late. Obviously this affected my credit score.

I called again to complain and was told it would be fixed by XX/XX/XXXX reporting. It didn't. get fixed. I would like to have full reporting as payment made on time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and to remove that 30-59 day mark asap.
A credit colllection company has been reporting to the credit bureau every 3 days about a derogatory account. This is illegal. They said their policy is to report every 7 days. I want to know how many times legally can a collection company report to the credit bureau? Seems a little excessive. So basically instead of charging daily interest they report to the credit bureau every 3 days killing your XXXX score?
Portfolio Recovery did not sent any documentation stating there was an amount owed, neither was the account verified. Portfolio Recovery has notated my credit file with a collection for the amount of {$3500.00}.