WillisBack/dataset-financial-user-claim huggingface dataset:
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Financial Corp. America refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( XXXX ) XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
Sofi Lending reported that I applied for a loan, but all I did was check the possible rate, and the website said it would not affect my credit. Now, it 's showing on my XXXX report as an inquiry
I applied for and was pre-approved for a mortgage through Wells Fargo Home Mortgage. I was working with XXXX XXXX, a Mortgage Consultant with Wells Fargo ( XXXX ID XXXX ). After receiving a better interest rate with another lender, I decided not to go with Wells Fargo. As a condition of the mortgage, the new lender asked for a withdrawal/cancellation letter from Wells Fargo because my credit report indicated we applied for mortgage credit with a company named XXXX. Since there was no other bank, lender, or company we were working with other than Wells Fargo and the new lender, this hold up had to be associated with Wells Fargo. I attempted to contact XXXX XXXX and his office multiple times over the course of multiple weeks, but failed to receive any type of response back. This is holding up my ability to receive a mortgage through our lender. Here is the contact information for Wells Fargo : Wells Fargo Home Mortgage | XXXX XXXX XXXX XXXX | XXXX, NY XXXX XXXX XXXX Tel ( XXXX ) XXXX
This complaint is further evidence tha t Navient : 1. cre ated obstacles to repayment by providing bad information ( account number change without notification  2. processed payments incorrectly and deceptively NOT on our account 3.  failed to act when we, the borrower, complained Our daughter had a student loan with  Navient.  The original loan was with  XXXX   XXXX , then  XXXX , who turned it over to Navient in  XXXX . We, the parents, were paying the loan dutifully every month. There were no problems until  XXXX  of  XXXX , when Navient notified us of no payment for  XXXX , due  XXXX   XXXX . We researched and found a payment made and cashed by  Navient  on  XXXX / XXXX / XXXX . We called them, and they said that they had no record of this payment. We were instructed to FAX them the proof from our bank, the  XXXX   XXXX   XXXX , so we did on  XXXX   XXXX ,  XXXX .   Then on  XXXX   XXXX ,  XXXX , we discovered the same phenomenon for the  XXXX / XXXX / XXXX  payment, and we were assessed a late fee. We called again. Same story from Navient - no record of any payments since  XXXX . We asked if they had received our  XXXX   XXXX  FAX, and they had but when the agent viewed it, she said that it was unreadable. First I knew of that. So, I resent. By this time, we were very angry as no agent was displaying any helpful attitude. Then I discovered something : the loan number in  Bill Pay at my bank and the loan number on Navient 's paperwork were different. Navient 's began with a  XXXX , and Bill Pay began with a  XXXX . I  explained to the agent, and she said that they never had loan numbers beginning with a  XXXX .   At this point, I called my bank,  XXXX , to ask them for help. By this time, I had spend  six ( 6 )  hours in phone calls ( mostly on hold ) with Navient, spoke with managers there and was basically stonewalled by them. They had my money and were asking for more. The agent at  XXXX  arranged fo r three conference calls, each one for nearly 1 hour to coerce Navient  into agreeing that they had the money. Thanks to the  XXXX   XXXX   XXXX , they could track details and confirmation numbers of receipt.   Also, when we tracked back on the loan number, Navient 's old paperwork to us changed the loan number in  XXXX   XXXX  but without specific notice as such at that time. So, in  Bill Pay for us to Navient, we were always sending to the old loan number beginning with a  XXXX  and Navient  was successfully receiving and debiting our account up until  XXXX   XXXX .   We have now hopefully paid off the loan successfully in total - we only had  one more month on the loan. We would never recommend using Navient  for anything. We are glad to be rid of this horrible company!
Twice I have received calls from Summit Receivables, XXXX. The latest was today, from " XXXX XXXX. '' My phone 's caller ID said the incoming number was XXXX, so the company is obviously spoofing phone numbers to prevent callers from knowing who is calling. 

I did not answer the call, so " XXXX '' left me a voice mail message. She did not identify what person she was calling for. She did not identify what company was owed the debt or how much was called. She said that " the client has extended an offer to you to close out the account for less than you owe. '' That 's pretty remarkable since I do not have any debts in collection and have received nothing in the mail from anyone. 

I looked up the company online, and it seems it simply calls old telephone numbers for people who owe debts without bothering to verify if the right person is being called, as well as doing reverse look ups to see what phone number is currently associated with the address of whoever it is trying to collect from. I believe one of these is what happened with me. Summit Receivables seems to be practicing in illegal collection methods and needs to be stopped.
I have an American Express issued XXXX prepaid XXXX for three years. In XX/XX/2018, this credit card was cancelled and I suppose to receive a check of more than {$150.00} for my existing balance, which I did not. I have contact them more the 10 times using the customer service number at the back of the card ( XXXX ). 
At the early contacts, I was nicely told that the check is on the way, and just be patient to wait one or two weeks. after 3 or 4 contacts, my phone call was transferred to a so called " technique support '' department ( I am not sure whether it is real or not ). I have contacted two people in that department, one call himself XXXX and the other is XXXX who is also claim himself the manager of the " technique support '' when I wanted to speak to his manager. And again another one month wait for nothing. 
To my understanding, American Express is a big company with reputations, and that's the reason I keep contact them for several months before file the complain.
I want to make CFPB aware of another issue with Navient that has troubled me - they make it extremely difficult to find out how your payment is allocated - interest and principle - declining balance. Every other lender I know shows your prior statement balance, your payments made, how much went to interest and to principle, and then ending balance. In this way you can see if, for example, your minimum payment of {$750.00} on your student loan payment, only pays down your principle by {$79.00} dollars with the rest going to interest. My loans are consolidated with them, and I have previously raised this issue with customer service, and they had no answer other than the website was being redesigned ( this was over a year ago ). I have figured out how to do this manually, but the average student loan payer will not go to the trouble. You have to go to their " archived '' old site, then to your emails ( all my communication is electronic ), then gather your monthly statements, then write down your prior balance, payments, interest and principle, and manually review the declining balance. This is how I figured out that on many months only a tiny % of my large payment was going to principle. This to me is a very deceitful way to do business - by making it so difficult to understand the declining balance, and thus how much you are actually paying off without manually tracking it, they are encouraging everyone to remain in huge debt as long as possible. They should be made to put this on the main page of the borrowers ' loan balances - they already have the payment amounts, it would take very little programming to add this. It seems as if Navient is purposely omitting this information to keep borrowers on the hook for as long as possible since if people knew they only had a small amount going to principle they would be motivated to pay their loans off sooner.
after receiving a voicemail from someone whom identified themselves only as " XXXX?, a carrier for the area '', implying she had legal paperwork to be issued to me the following day at my home and place of employment, requiring identification and a witness, i immediately called back and got to " XXXX ''. I denied owing any monies to them, their employer, or the original creditor and requested validation. This was immediately met with a defensive attitude, i gave them my address, where they sent their first piece of correspondence to me, this letter ( which i am submitting as proof ) contained no validation of the debt. nor did it tell me my rights of disputing it. regardless, i disputed it by certified mail ( the letter is also being submitted ). this company is refusing to respond or delete this from my credit report.
I voluntary sent car back was unable to fix due to defect in all XXXX throwing a rod in motor or metal shavings left in motor for XXXX XXXX-XXXX company refused to fix it and never official did not do a recall. Many XXXX owners are having cars to stop suddenly, locked down or blow up or catch on fire. I consider this to be hazardous and unsafe and negligent on their part
My mortgage company has been late paying my real estate taxes incurring late fees of {$230.00}. They have deducted XXXX tax payments from my account totaling {$2700.00} that have not been received by my town over the last 4 months which I consider missing. Furthermore they have removed over withdrawn my account in negligence for {$770.00} above what was due by deducting an extra payment which is XXXX of the XXXX missing payments. 

A full explanation can be found in the supporting documents. I have spent nearly 3 hours on the phone with the company trying to resolve this matter to no avail.
Dear Clear Recon Corp, The dispute of lien amount has not received a response, requested prior. 
A notice of trustees sale was recorded XXXX/XXXX/XXXX - the amount was disputed in the NOTS is recorded in error. I have not received the corrected accounting and the lien still remain in error. The additional request is whom is the beneficiary of the lien amount? As well as who is the property owner of record on title sale guarantee policy ( TSGP ). Four payments were made in XXXX with approximately XXXX going toward principle. As well as late payment of approximately XXXX - there were no late payments in XXXX. There are also multiple charges for property review however for some dates there was no property review. The additional request included copies of assignment ( any/all ). I am concerned my payments were not applied to account as I was told payments would be but instead written off prior to transfer of servicing
This lender claims that I was 90 days late, one I spoke to customer care representative and I explained that I have not received any letters from them and that I will pay my account fully they told me they were going to remove the late payment alert from my credit report. This has not happened
I have a student loans with navient dating back to XX/XX/XXXX-XX/XX/XXXX. thru most of the earlier years, I signed up for forbearance but around XX/XX/XXXX, i got act together and they put me on a payment arrangement based on income. Each year, my payments went up but still affordable until about XX/XX/XXXX or XX/XX/XXXX. On a sunny XXXX day, I log into my bank account to see that over {$900.00} was withdrawn from my account. My normal payments were approx $ XXXX/month. 

I called Navient and asked why and how to i get the money returned because I can't afford $ 900+/month. At this time, they said my only option was to pay the $ XXXX/month or go into forbearance AGAIN. I said that makes no sense, I'm telling you I can afford $ 300-ish per month and you will not work with me. So i took the forbearance for a few months to only get notified that I my payments would be greater than $ 900/month now due to the forbearance. Fast forward to today, and my loans are no with collection agencies. I'm working to clear up my credit and was simply going to pay off the loan - approx $ 12K, in  full until I heard about the lawsuit against the company for misguiding borrowers. 
Now I don't know what to do. Do I qualify to be a part of the lawsuit? I am not a teacher or public servant. If i do quality, should I pay off the loan now OR do i wait?
I got a car loan from Consumer Portfolio inXX/XX/XXXX at an interest rate of 16 % for 6 years. On XX/XX/XXXX I requested tow payments be extended at the back of the loan, but the company extended my loan untilXX/XX/XXXX, which is basically another year on the loan.

Also, I notice different dates that my interest rate goes up, or isn't applied to the loan but only the interest. I have had this car for 5 years and the loan has only went down XXXX. Which almost 19K went toward the interest.

Inquire as to the interest rate being applied in various amounts over the course of the loan and some months no interest was applied at all.

Inquire as to the XXXX that has been paid in interest.

Inquire as to why the amount applied to the principal is only around 5K over the course of 5 years.
I was advised that my student loans were not going through but they did i incurred additional cost they say current but sold and transferred i have several with interest and im still in school butr its a whole page and more on my credit
Since I am a veteran and it involves the FCRA in a very consumer-focused state, the Offices of Senator XXXX, Attorney General XXXX XXXX ( Governor Elect ) and Governor XXXX XXXX of Maine have all shown an interest in this situation, and most advice seems to lead to the FTC. Thank you in advance for any help provided.

In addition to many other resulting expenses involving high interest rates on low value credit cards, difficulty getting a good job equal to my experience and education, and the inability to purchase or lease a car, XXXX just denied denied me a credit card because XXXX incorrectly reported my FICO score at XXXX instead of about 800 as it should be. All 3 bureaus refuse to repair their database models to fix this obvious problem. They dropped my FICO score by 180 in XX/XX/2017 by error and say they can't or won't fix it. Either way appears to me to violate the law?! I believe there must be tens of thousands if not hundreds of thousands in this same situation.

An XXXX supervisor I spoke with admitted to me on the telephone they do and can not not adjust scores when it is proven to them and admitted by the billing entity that it made a mistake even when the original 30 / 60 / and 90 day late and collection in my case are removed at their request.

Today XXXX reports FICO at XXXX, and Transunion the same.

The error was for an emergency room visit In XX/XX/2017 the Veterans Administration should have paid. My FICO decreased due to one ER room visit that the VA owed as follows : 1. XX/XX/17 XXXX ( collection-related ) 2. XX/XX/17 XXXX ( collection ) 3. XX/XX/17 XXXX ( pre-collection ) 4. XX/XX/17 XXXX. ( 60 days ) 5. XX/XX/17 XXXX ( 30 days ) Total : -180 This is a simple fix to a database program.
I have done my due diligence in regards to four accounts. I have contacted the companies that these are unverified and no contract accounts since XX/XX/XXXX. By calling and disputing over the phone. Also mailing four rounds of certified 609 dispute letters sent. Last sent certified XX/XX/XXXX. These are the accounts : XXXX XXXX XXXX  {$300.00}, XXXX XXXX {$400.00}, XXXX XXXX XXXX XXXX   {$310.00} and XXXX XXXX {$300.00}. This has been ongoing since XX/XX/XXXX and now XX/XX/XXXX. It is time to get a resolve of closure. 

These accounts are reporting closed Collection accounts but currently open and over credit limit by {$1.00}. derogatory remarks, late payments and charge offs/Bad Debt. All of this is negative reporting. 

I have been fighting these accounts and hard inquiries since XX/XX/XXXX. These are preventing me from home ownership my lender continues to tells me. They need to be removed off of my reports it is causing adverse direct affect to my credit scores. 

There were also certified Hard Inquiry Letters with company name and date of inquires listed sent to each bureau XXXX, XXXX  and XXXX  in XX/XX/XXXX too. 

I filed online complaint with Consumer Financial Protection Bureau in XX/XX/XXXX in regards to these four accounts. First I find it unacceptable from Equifax that my address provided is not reporting in my credit file. Since XX/XX/XXXX through XX/XX/XXXX I had received several correspondence in regards to updated personal information, inquiries and new accounts. Even updated reports through that time period to the address I provided. Nothing had changed. As a bureau just not dealing with the delete and removal of these accounts. 

I requested from each bureau to provide name of investigator of my file which is a Federal right and to provide signed contracts to verify accounts as mine. You ignored this request as well which is evidence of your willful disregard of the Law. By sending email or whatever form of verification to CFPB on your part of said investigation is in violation. Also continuously telling me to contact the companies is shifting the burden and in violation of 15 U.S. Code 1681 ( a ) ( 4 ). The dates in May of initial complaint shows there wasn't a 30 investigation done.

I am a consumer and intend to pursue litigation in this matter.to enforce my rights under FRCA. 

I demand that you delete all of the accounts listed and hard inquiries in certified letters immediately. I want an updated and corrected credit report showing that these items have been deleted and removed. This is my complaint and demand.
I have been a victim of identity theft since at least  X/XX/2017  . I filed  an initial fraud alert with  XXXX  and they forwarded it to  XXXX  and Equifax. I received confirmations from   XXXX   ( dated   X/XX/2107   ) and   XXXX    (  dated   X/XX/2017   ).     Per best practices, I need to review all  XXXX  credit reports for fraudulent activity to correct it as well as to inform the investigating police agency (   XXXX   XXXX   XXXX   [  XXXX   XXXX  CO  ] Police Department )    XXXX   XXXX   information notes " An initial fraud alert entitles you to a copy of all the information in your file at each of the  XXXX  nationwide agencies ... ''. However, I 've tried the various phone  XXXX  options on each of the phone numbers given in the confirmations (  XXXX ,  XXXX ,  XXXX  ) as well as that of   XXXX   XXXX   XXXX   (  XXXX  ).     No matter which combination I tried, I ended up in the automated phone system to request the standard credit report. Even when I pursued this option it failed because it could not confirm my identity. In another case, because the system hung up on -- selling me -- my credit score and would not go on. At no point was I given an option to speak to a human being.     I was repeated referred to  XXXX  and finally tried that. There was no option to request the extra credit report that I am hypothetically entitled to as a victim of identity theft. My attempt to order my   XXXX   credit report failed because I had already requested it once it the last year. My attempt ( on  XXXX  ) to order a second report (  XXXX  I believe ) failed because my eyes are no longer good enough to pass most Captchas particularly those with ragged text on multi-colored backgrounds and those asking  one to  click on the pictures that have  X ( c ars, traffic signs, boats ) in them.
I have a XXXX and XXXX mortgage with Citi Bank. Citi did modify my XXXX mortgage but the department that handles the XXXX has been asking for the same document over and over again since XX/XX/XXXX 
I do and have sent what is required but they say the do n't understand how to read it. Once they received all of the appropriate paperwork I have received a paper stating that all papers were collected and application was compete and I would know decision by XX/XX/XXXX or XX/XX/XXXX, than that date passed, than XXXX for XX/XX/XXXX that passed, than XX/XX/XXXX and that passed. Here is XX/XX/XXXX and they still do n't have a decision yet. During this time I received a letter stating I had a new specialist assigned. Who is never available during regular business hours. I receive calls from Citi at night while I am working and have discussed this with my specialist that I work nights. If I am able to answer they hand up. I am again getting to the point where all my paperwork will be outdated so I will have to go through the whole process again from the beginning for the 3rd time. 
XXXX
XXXX XXXX XXXX XXXXXXXXXXXX XXXX ( 8 minutes ago ) A young single mother was preapproved and then approved to buy a {$100000.00} XXXX. 
The lady had a total income of {$31000.00} a year. 
She had monthly debts of {$350.00}. At the very most, she qualified for a mortgage of {$61000.00}. 
The US Bank loan officer arranged a USDA downpayment of {$1500.00}. 
Not only was this lady not qualified to handle a {$100000.00} mortgage, she did n't even have any money for a downpayment. 
The appraiser from US Bank appraised this old house for {$100000.00}. It had sold only a few months earlier for {$55000.00}. 
Two years later, when US Bank sent an appraiser to determine the value of the property prior to a short sale, the property could only appraise for {$70000.00}. There were no damages to the property at that time. There are now after a year of being listed for sale. 
After agreeing to let my client do a short sale rather than a foreclosure, US Bank has done everything in its power to prevent the closing of the property. 
Their closing agents always take off on vacation when the various buyers ' loans are approved. 
US Bank managed to obstruct and delay XXXX closings with XXXX different buyers over the course of a year. The buyers were so delayed that they eventually gave up. 
We received a cash offer of {$69000.00}. US Bank sent over after some time an approval Summary stating the costs they would pay. 
As soon as we set a closing date, the new closing agent requested the exact same documents that she had already had and that US Bank had received many different times from myself and my client. She also wanted the same HUD that she had received before. 2 weeks earlier. 
I sent them, reminded her that the closing date was Friday, and asked if she needed anything else. 
Obviously not. Because her auto respond message was that she had left on vacation. 
So on Friday, finally on schedule, we closed and gave the buyer the keys. 
Now US Bank is angry. They are giving the title company a hard time. Is it closed or not? 
What does it profit US Bank to foreclose on this property? Why are they so determined to not settle this matter for good? 
They netted what they wanted minus the XXXX water bill that totalled over {$500.00} after a year of delays.What is their problem?