WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX card issued by Incomm/XXXX  will not allow activation without emailing to a generic unsecured email address copies of Driver 's License, SS Card, and utility bills. This is an unacceptable and completely insecure means of sending what is essentially all the necessary pieces of information to completely steal a person 's identity. Multiple calls to customer service have revealed that they have NO other option to protect their customer 's PII.
on XXXX XXXX, XXXX I faxed CHRYSLER CAPITAL asking to obtain information reguarding my account, with no response I then sent on XXXX XXXX, XXXX By registered mail asking for information on my account. Still with no response, even after it was signed for. By law I have every right to know and gather information as it is my account.
The Consumer Financial Protection Bureau responded and acted on my complaint immediately. Navient responded with an action, but it was minimal and did not take care of the main issue. A policy change that is ethical and fair for divorced consumers with consolidated loans must be made. 

Many years ago, when Navient was still XXXX XXXX my ( then ) husband and I consolidated our loans. At the beginning of our marriage it did n't occur to us that a divorce may be looming in our future. It did. I have been requesting that our consolidated loan be separated, per the divorce decree since we divorced many years ago. They refuse. I am very kindly asking for CFPB to put pressure on this corporation by calling them, writing them, and asking them to correct this policy. If Navient is willing to allow married couples to consolidate loans then they should have a contingency plan and policy in place for those that divorce ; especially if the divorced party has a court decree stating that the loan amount be separated. This refusal by Navient seems unethical on many levels. One human should not be responsible for another human 's debt, which I am because of Navient. XXXX ( ex-husband ) XXXX initially chose to be a deadbeat dad, and is currently being garnished for child support payments. He refuses to pay his part of the loan, leaving me carrying the weight of his debt becasue I want good credit. Now, as a single mom, a XXXX, daughter of a deceased veteran, and an honorable citizen that votes and pay taxes, I am left struggling because of a debt I am having to pay for another individual that refuses to be honorable. I am also in XXXX XXXX trying to further my XXXX career. Navient refuses to allow me to defer my loan payments even as a XXXX at XXXX because my ex-husband and I have this loan together. Yet they refuse to rewrite the loans. This is an injustice to many divorced people in this situation. Please hear my request and demand Navient to make an amendment to their consolidation policy for divorced couples. ***I want them to defer my loan while I am a XXXX especially since I am the only one paying the debt. *** The ex-husband refuses to pay his part, and I have proof, and have sent that proof to Navient to no avail. Thank you for your time and help in this matter.
XX/XX/XXXX I contacted Mr Cooper loan services/ Nation star Mortgage LLc to investgatate as to why my home mortgage loan has NOT been reported to the national Credit Bureaus. After many hours of phone conversations, and finally a response letter from Mr Cooper XX/XX/XXXX, stating that they needed a filed reaffirmation agreement from my Chapter XXXX bankruptcy that was filed in the year of XXXX in order to report my loan to national credit bureaus. This company obviously reaffirmed my loan, as I have been making them payments for years. 
My last conversation with a Mr Cooper represenative XX/XX/XXXX, and said that they will absolutely not report my loan status to reporting agencys without a reaffirmation letter. My bankruptcy attorney sent a letter to me, and the lender stating that the judges in this district Do Not do affrimations of mortgages, and there is nothing that they can do at this point.

Mr. Cooper/Nationstar Mortgage has repressed my credit scores, and financial abilities.
My credit card was used for fraudulent online transfers in excess of {$14000.00}. I contacted Chase and they told me to report to fraud department. I mailed a letter to them on XX/XX/2016 and have had no response. I have called Chase several times and complained and have gotten no help. 
In the mean time I am not paying on this balance and Chase is reporting it as late. 
Is there anything that can be done to speed up the process of Chase fixing this fraud. 
Thank you, XXXX XXXX XXXXXXXX
XXXX. In XXXX I obtained, what i know now as, a sub-prime loan, from a predatory mortgage company, XXXX. I had an adjustable rate mortgage, based on the XXXX. During the last XXXX or 3 years, the news revealed that XXXX banks connected with the XXXX had manipulated the market in favor of themselves ; to the detriment of consumers. So, not only was I a victim of my own country 's predatory lending practices, I was also a victim of the XXXX XXXX My margin was XXXX and the floor was 9.90 % .. I did n't understand then, but I do understand now, how much of a financial disaster those terms were. Regardless of climate, or payment history, my rate would NEVER go below 9.90 %. 
I have never been 30 days late. I have always paid a little extra in my payment, with the hope of reducing my principle balance to the point that i would be paid in full, prior to the 30 years maturity. 
In XXXX, I was a victim again, as so many others were, of the economy. My employment dried up, the equity in my home, that had been growing no longer existed. From XXXX until now, i have been out of work for XXXX or 3 years total. I have used every dime in savings to keep my mortgage payment current. When my loan was transferred to OCWEN, i tried to get a refinance or modification or something. I was told i could only be helped if i was in default and they could work out some kind of disastrous deferred payment plan. There plan scared me so badly -- i knew that I would have never been able to dig out of that hole. Their customer service reps were all deficient in the English language and had no empathy in trying to help a person get through those horrible financial times. 
The interest rate began to drop finally and significantly to below 5 % for a fixed rate -- and there I was still paying 9.90 % ... never once was I able to take advantage of the rates that were being offered to help people stay in their homes. Never offered XXXX or XXXX My mortgage company was biased toward foreclosure! Especially because I have an address in XXXX that was more poised to economic recovery, than some of the other neighborhoods. 
I was finally granted a modification from Ocwen in XXXX - my rate went down to 3.750 % - ( fixed rate ), BUT -- I have an {$85000.00} balloon payment due at maturity!!!! I will be XXXX XXXX XXXX at maturity. I have always paid my mortgage on time ; I have paid a rate of 9.90 % for years when the rate was less than 5 % in the market. I have always paid a little extra on my principle -- - I will never, EVER, be finished paying this horrible mortgage!!! should i have walked away, and sent them the keys, as so many other consumers have done!!??? This company has made a fortune on me and so many others!! Where will i work at age XXXX -- I can barely find work at age XXXX ( now )!! This {$85000.00} is a false number -- I should have never signed a note with a 9.90 % floor -- but they convinced me that i had the best rate in the world!
1.Wells Fargo Mortgage ( " the Bank '' ) has held mortgage XXXX on my home since XX/XX/XXXX. 

2. I have made transfers from another Wells Fargo account to pay this mortgage since that time.

3. At no time have I been in arrears with the payment.

4. Unlike transfers to other accounts, to other persons or businesses, Wells Fargo 's online transfer system will not allow customers to amend or alter the transfer information for mortgage payments, so consumers must rely on the Bank to make any necessary changes.

5. In early XX/XX/XXXX, the escrow for insurance payments on this loan was removed since I make the insurance payment myself. ( See escrow cancellation letter from Wells Fargo attached. ) 6. Removing the insurance payments from escrow resulting in a reduction of monthly mortgage payment from {$1500.00}, payable in two installments on the XXXX and XXXX of the month in the amount of {$770.00} each, to a monthly payment of {$1300.00}, payable in two installments on the XXXX and XXXX of the month in the amount of {$690.00} each. 

7. On or about the XX/XX/XXXX I called the Bank to have the monthly payments changed to reflect the reduction in monthly payments and was assured this was accomplished. 

8. Subsequent checks to my online account showed the reduction in the required transfer amount had in fact, NOT been made. 

9. I spoke to the bank on four separate occasions, spoke to two supervisors, and was assured the issue was resolved each time. One of the Bank 's representatives said the matter would be resolved by XX/XX/XXXX and that an email would be sent to me confirming the resolution. ( See email from Wells Fargo dated XX/XX/XXXX attached ) 10. Despite the Bank 's representations to the contrary, as of XX/XX/XXXX, the reduced payment amount for monthly transfer has not been set up by the Bank. ( See screen shot attached, taken XX/XX/XXXX ) 11.  Given the Bank 's history of illegal practices, and the false representations I have received from multiple representatives about this issue, I have no reason to believe anything they say. 

12. I would like written confirmation that the reduced transfer payments of {$690.00}, payable on the XXXX and XXXX of the month have been set up by the Bank. 

13. The amount at issue in my case is not great, but given the Bank 's past practices, if this were done to millions of consumers, it would illegally enrich the Bank by a pretty penny.
I went to use my debit card and learned that all of my accounts have been closed. I went to a branch and they confirmed this. Chase bank has given no reason or is willing to reverse the outcome for me. They are saying it will take 7 days for me to get my money back, which, that 's all of my money.
The guy did not identify himself but as a legal issues. Started calling on XXXX. Called several times and even called my minor son who is XXXX leaving harassing voice mails. When I had the chance to call back he was vary rude and used bad language for a professional and stated I waited to long to call back. I tried calling 3 days later and no recordings or answering system. Called next day and got him. He stated he could not accept me paying the bill in full in two weeks it had to be right this minute or he was turning me over to the courts and garnishing my wages or throwing me in jail. My husband called him and he did the same to him as well. Our bill was for XXXX and since I would not pay now then it would go to court and be over 1,500 with all of the fee 's involved. I mailed in a check for XXXX to the company they are getting the collections from and he said they would mail it back. He would not accept XXXX this week and the rest in 2 weeks. I contacted the company and they said they would cash it. Had to call XXXX XXXX to get the firms office to confirm the guy did work for them bc of how he went about it and how he threatens to do his collections. I have received no emails or mail just phone calls several times a day and rude voice mails.
They said once they received a letter from the bank that there was a typo on giving me my new account number that they would reopen my account but they never did!!
This company sent me a letter saying I owe a debt after already placing it on my credit report. I have no knowledge of this debt. The letter they sent me only shows XXXX XXXX XXXX for {$530.00}. I have no idea what this bill is for I have no knowledge of it. This is not my debt. My signature was not provided to me as requested. This company failed to provide me proof This is my debt. I have no contract or business with This company
I started to receive notices in the mail for a charge off credit account from XXXX XXXX or XXXX XXXX XXXX. I have never had a credit card account from XXXX this account is fraudulent and needs to be removed from my credit report and the collection agency needs to remove their account from all three credit bureaureports. I have attached my FTC Affidavit
Contacted XXXX XXXX XXXX Regarding a Charge off on my credit report and ask to pay the balance owed to update my report but they denied me an opportunity to pay because they charged off the account and sent me a 1099.
It 's been well over a year now, and I 'm still battling with Equifax to review my statements and remove the remaining collection accounts. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies wo n't comply. This is my second complaint against them. I know deep down that they are Intentionally keeping these accounts on my reports and other Americans so they can continue to collect monthly reporting premiums from the collection agencies. Why else would they review my documents and completely ignore them? Every time I call there is a person with a thick accent that is trying to sell me credit monitoring!! All they care about is money, and the CEO 's and leaders of these companies should be ashamed of themselves. These collections are keeping me from moving forward on some life goals so my family can have a nicer school to attend. Thank you CFPB for being here for us.
On XX/XX/2017 I logged into my account and noticed that all my credit cards had XXXX available credit. My reward points were also missing. I contacted Citicards to inquire regarding this and was notified that all my credit cards were unilaterally canceled and my points were confiscated. No reason was given by the supervisor I spoke with. I was told that my points were forfeited as the bank had decided to cancel my accounts with no prior warning. Such an action is disingenuous and it seems that the bank can simply close your accounts to avoid allowing you to use that which you earned and that which is rightfully yours. I spent thousands of dollars on my cards which Citibank earned processing fees for. Part of the reason for my use of Citibank 's cards was due to their generous rewards programs. This seems like an easy out for the bank to collect fees without giving anything in return. My credit is stellar and I have never missed a payment with Citibank or any other bank. I have always paid in full. 
While I ca n't fault the bank for making a business decision ( if that 's what this was ), I should have been given notice prior to closure and should not have had to discover this myself. I should have also been given an opportunity to redeem any rewards that I had accumulated over the years being loyal to the bank. I rely on my credit cards for daily spending and deactivating all my accounts without informing me at all is inappropriate and unfair. This closure with no warning resulted in extreme inconvenience to myself as well as my family.
I received a call about a week ago regarding a bill from XXXX that I truly believe was taken care of months ago. I requested a validation of the debt because of this and the collector refused. I continued to ask for validation and why he could n't provide it. He became very heated and argumentative at which point I ended the call as I was not going to tolerate the yelling. 

He immediately called me back and said " our call must have been disconnected '', which clearly was not the case. He continued to be loud and argumentative. He then indicated that he was marking my account as refusal to pay ( even though I have not refused to pay ). I told him to do what he felt he needed to do, but since this was n't the case I needed to speak to a supervisor. 

This supervisor was made aware of the issue and that there was at least XXXX FDCPA violation. He indicated he was going to review the call recordings, speak with quality assurance and take the proper steps to rectify the situation as well as request a validation of the debt. He was to get back with me regarding the situation, but no call or letter was received to this effect. 

Fast forward to today, I get a call from another bill collector ( same company ) and he indicates there are no notes about this previous call having issues, no request for quality assurance to review and no indication that I made claims of FDCPA violations. I request to speak to his supervisor to verify this information and I spoke with XXXX who was very nice, but did indicate the only thing notated was that i requested a bill from them. He indicated he was going to take action on this, but still tried to collect the balance on the bill. I know they need to ask, I worked in collections for 10 years. It just seemed slightly inappropriate given the circumstances of why I was speaking with him. 

Thinking further, they also did not do anything to truly verify I was who they were looking for. Granted my name is quite uncommon, they just asked if I was so-and-so and did not request I verify an address or date of birth or anything of that nature.
Rocket Mortgage ( Quicken Loans ) charged me {$500.00} for my consent to proceed 3 days after I applied. They changed the loan amount from {$81000.00} to {$86000.00} without my knowledge or approval. Are they allowed to do that? Can I get that back?
I am writing to dispute the following information that Discover Card has erroneously and repeatedly provided to XXXX, XXXX and XXXX. Discover Card was referenced as an outlier that negatively impacted my loan offer by XXXX XXXX home mortgage in XXXX of XXXX as it was previously reporting in error multiple charge-offs and late payments up until XXXX. I have disputed the information directly with the credit bureau at least twice and have made multiple phone call to Discover Card to either report accurate information or remove from my files. It has been over a year and my concerns have not been rectified since I contacted Discover Card in XXXX of XXXX. My account was charged off in XXXX of XXXX and I made a payment in full in XXXX of XXXX. Discover card sent a letter to my address after I demanded it stipulating that I had paid the balance in full but is currently still reporting a failure to pay in XXXX of XXXX in my payment history. 
I am in the process of buying a home and Discover Card failure to report accurate information has negatively impacted me in the type of rate, loan amount, and loan that I qualify for.
I have a Capital One credit card. I paid off my entire monthly balance prior to the due date, yet I was hit with an interest charge. The company said it was practice for interest to be charged unless the card balance was paid off for two consecutive months. It does n't seem appropriate to be charged interest on top of prior principal and interest after the card was paid off during the current cycle.
I AM A XXXX XXXX XXXX VETERAN AND MY CREDIT REPORT TOOK A DIVE WHEN I TOOK A CHANCE AND PUT MY TRUST IN A CONSOLIDATION COMPANY ( PERFORMANCE SETTLEMENT ). I WAS MISLEAD, MISINFORMED, LIED TO, AND MY PHONE CALLS WERE NOT RETURNED WHEN I CALLED THIS COMPANY WITH CONCERNS ABOUT MY MONEY TAKEN FROM MY BANK ACCOUNT. PERFORMANCE SETTLEMENT TOLD ME NOT TO ANSWER MY PHONE, NOT TO MAKE ANY PAYMENTS, AND TO SEND EACH CREDITOR A BOGUS ADDRESS SUPPLIED TO ME BY PERFORMANCE SETTLEMENT. EVERYONE I TALK TO SAID THIS COMPANY RIPPED ME OFF, EVEN OTHER CONSOLIDATION COMPANIES SAID THEY HEARD OF PERFORMANCE SETTLEMENT AND THAT THEY HEARD NOTHING GOOD ABOUT THEM. BE FORE I TRUSTED PERFORMANCE SETTLEMENT MY CREDIT SCORE WAS IN THE XXXX, AFTER I EXPERIENCED 6 MONTHS OF XXXX  MY SCORE IS NOW IN THE XXXX, BECAUSE I PAYED PERFORMANCE SETTLEMENT AND LISTENED TO PERFORMANCE SETTLEMENT 'S LIES. NOW I'M SUFFERING AND I AM LOOKING FOR RESTITUTION.
XX/XX/XXXX my dispute was received by TransUnion. They have reported a collection account under the name XXXX XXXX XXXX for the amount of {$1500.00}. I have no idea of this account on my credit report and I believe Im dealing with fraudulent activity of someone having my information because this has happened before. XX/XX/XXXX was my estimated date for my results. TransUnion has still have yet given me a response. I sent out letter XX/XX/XXXX stating they send me verification that the account belongs to me or it would have to be deleted. This is hindering me a lot with is account in collections on my credit report.
After making a balloon payment on my mortgage, I have reached the 78 % mark of the principal-to-original-home-value figure on my mortgage ( the LTV ratio ). I called Nation Star to get them to drop the PMI pursuant to their duties under the Homeowners ' Protection Act ( " HPA '' ). Despite this, Nation Star refuses to cancel my PMI, pointing to an ambiguous Notice which actually does NOT state that Nation Star will refuse to comply with the HPA by NOT auto-cancelling the PMI at the 78 % LTV mark. Having not contracted out of the HPA Protections, I hereby invoke them against Nation Star and demand that they cancel PMI on my loan.
Checked into a loan at ONE MAIN FINANCIAL never got further than a inquiry on my part just checking interest rates, said I was n't interested and tried to hang up the gal on the phone practically begged me to continue and fill out a application and I declined. Today XXXX XXXX 2016 I received a declined application # XXXX from this institution. Now this is fraudulent because I never filled out a application I totally declined this females begging me to just try and see what rate I would receive! I am totally shocked by this letter and feel something needs to be done about it!! First of all where did they get my information this is personal information they took liberties with and I do n't know whether she receives a bonus for more applications or what her motives were! But I need this hard credit pull removed from my credit report ASAP please.ONEMAIN FINANCIAL. XXXX XXXX XXXX XXXX XXXX. XXXX IL XXXX
Every time I check my credit report, I am continuing to see more loans with high amounts under now a company called Navient. Every call I make never seems to be documented. No one can ever give me straight/accurate answers as to why I have so many different loans. Nor are they able to address why these reported loans are so high. This is a serious issue and obviously their carelessness is affecting my credit score negatively. I really need help with this.
XXXX   XXXX   XXXX   XXXX    sent a Legal Order to Bank of America requesting funds from my c hecking account. Bank of America processed the order, sending the funds from my account to Massachusetts, without informing me. Bank of America also charged my checking account a {$120.00} " processing '' fee for processing th e Legal Order fro m the state. I called Bank of America on  XXXX   XXXX , the day after th e Legal Order char ge and Fee were deducted, to ask about the unfamiliar transaction. Bank of America told me that even if they were sent the  Legal Order i n error by th e    XXXX   XXXX   XXXX  , the {$120.00} fee was " non-refundable '' and my only method of recourse would be to ask the state to give me {$120.00}. Bank of America charged me this fee for a servic e I neither req uested nor was informed about prior to their processing.
The reason I am filing this complaint is because i tried working it out with equifax but they dont seem to help me there is two accounts reporting on my equifax report that dont belong to me XXXX and XXXX   are not reporting it only equifax i can show screen shots as proof i have been trying to dispte it for almost 3 months