WillisBack/dataset-financial-user-claim huggingface dataset:
***Re-submitting my complaint with additional information*** I have applied for an account. The system notified me after providing the requested verification of address that it was not received. I then called to find out why. The first agent advised that the automated system rejected my bank statement. When I asked why, she advised she did not know. She then transferred me to XXXX, a supervisor. I asked him the same question as I did the agent and he said because thats what security is saying. When presweed he continued to say because thats what security said. I advise XXXX that it is my right to know why this is being rejected as my identity has been stolen twice now and if there is an issue I need to know. he then continued with, because thats what security says and we dont have to disclose this to you. Then when I asked why i wasnot allowed to lnow he proceeded to tell me because of security. I then asked him if my bank statement was rejected by the automated system or by a real person and he proceeded to tell me he didn have to tell me this. I also asked XXXX if I submitted another document off the listed since it was for address verification and I redacted other personal information, he advised me that it would also be rejected but refused to tell me why since this is only for address verification and not identity verifcation. 

XXXX also refused to provide me with his ID number so a complaint could be made as well. 

My account has been opened since the end of XXXX, which is the same time that XXXX XXXX received my complaint. I responded back stating the only reason that my account was all of a sudden opened and approved was because of my compliant. I received an email this morning, XX/XX/2018 advising my application was denied even though my account has been opened about a month.
On  XXXX   XXXX , I submitted required documentation toward disputing several items on my credit report and notifying   XXXX   XXXX   and Experian that I was a victim of identity theft. I submitted all the required documentation that was required by the individual credit reporting agencies and that which was required by law under FCRA sec  605B ( 15 U.S.C. ..1681c-2 ) the law states the  with submission of my proper identification, along with law enforcement notification, ie. a police report identified items shall be block in no more than 4 business days. Upon approach to the issue, all institutions stated that there practice is to investigate for 30 days and that I would be notified at that point. Not only is this confusing it is illegal to the legal duties of upholding the aforementioned rights of the consumer. I am placed into a position of feeling victimized twice. I seek that the information be blocked immediately for I am neither benefactor of the accounts nor did I give permission to another.
While refinancing and paying off a mortgage from Nationstar Mortgage, they assessed late charges from a prior mortgage servicer XXXX. As they are not debt collectors only loan/mortgage servicers, they are out of their reach of collecting debts for a prior mortgage lender. The assessed late fees had no supporting documentation other than they came from XXXX, which whom they purchased the loan from. They required me to pay off the unsupported late fees before I could refinance, holding me XXXX, with the fear of rising interest rates had I not paid it off prior to my loan lock deadline.
I 'm being charged for a hospital visit. I never even received a bill from the hospital. Also I have Medicaid insurance and have had it for over 3 years. I do n't even have a copay my insurance pays for everything. They took a copy of my insurance card and drivers license at the hospital.
I sold my home in order to pay off my student debt. I had the money from the sale of my home put into a bank account through XXXX so I could easily pay the debt online. When I made the payment through XXXX I could only find one account number online with Navient, the company servicing my loans, so I submitted the full amount for all 6 loans ( 4 for the Department of Education, 2 for Federal Student loans ). Navient took the money and paid of my 2 Federal Student Loans on XX/XX/2018 and set the remaining {$25.00}, XXXX  in my account as a credit! When I found out my Department of Education Loans were not paid and still accruing interest, I called them. Their comment was " The Department of Education does not take wire transfers ''. I explained it was not a wire transfer, but a payment directly from my account, and they told me it was not. I asked them to refund my money and they stated it would have to stay in my account for five more days, until XX/XX/XXXX as their policy was it had to remain there for 15 days after receiving it to make sure it was good. On XX/XX/2018 I went into the Navient website and manually paid each Department of Education loan off separately through the same account and they went through. The Federal Student Loans have been paid in full, shows they are paid in full, but are keeping the {$25000.00} in case it was not good? I explained it did not make sense, but they assured me it would be refunded. I still do not have the money in my account and now it shows a - {$25000.00} reversal on the Navient website, but it has not reached my account. How long are they allowed to keep my money?? I asked them if they would be paying me interest on my money since they have been holding it so long and they replied " We do not pay interest ''. They have had my money for over 20 days and I still haven't received the refund. What is my recourse???
I was contacted on XX/XX/XXXX concerning a debt from XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX. Phone XXXX I contacted them today to get more information on this debt. They state the debt was originally for a credit card obtained in XXXX with a balance of {$2000.00}. They stated they have spoken with me on several occasions and was told not to contact me again. They have ignored that and called me again on XXXX. When I spoke to someone at that time and also again today I requested an original contract with my signature on it. I also requested their surety bond number for the state of XXXX that proves they can collect a debt. I told them the statue of limitations is 4 years in the state of XXXX. I am being harassed for a debt from XXXX with no proof that it's mine. I was told that they will open a dispute for me and I answered I will dispute as well. I was told this will be reported on my credit file, why? This debt is from XXXX and no proof has been provided that it's my debt. They are violating the fair credit reporting act as well as my rights.
I recently pulled my credit because I plan to purchase a home soon. I saw a couple of things on my credit report that where unfamiliar. I did not approve these and would like to have those items removed from my credit. I am doing this on my own and have contacted the FTC and my local police here.N/A ( XXXX   EXPERIAN XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX , XXXX XXXX XXXX
Big Picture Loans has been very dishonest in the way they handled my loan. When I agreed to borrow {$820.00} I was not shown the truth in lending disclosure showing my APR. once I signed the agreement, I found out that the interest rate is 910 %!?!?! If I have to pay these finance charges, I will end up paying {$7100.00} over the next year and a half on an {$820.00} loan. Seems simply outrageous to me. I am appalled at these finance charges and feel that they are unethical in truth in lending. They also say they have a demand feature on my bank account and so it will deduct my account even if I file a stop payment with my bank. This was also not something I was aware if before signing the agreement!
Capital One marketed to me, presumably based on my credit score and spending history, a bonus scheme of {$100.00} if i spent {$500.00} in XXXX months. I have spent upwards of {$800.00} within this time frame and now the company tells me that they have no bonus activated on my account. 
How can their systems not be linked to verify their direct mail campaign against my account
My payments to OCWEN are supposed to include tax payments to XXXX and insurance payments. A few months back I received notice from the insurance company that my policy had been cancelled due to lack of payment even though all my payments to OCWEN have been on time. Then I found out that OCWEN purchased another policy for me that was more than double the cost of the policy they let expire. I have since found another insurance policy for a much more reasonable price and I have paid in full for the entire year. Now the issue is after phone calls and letters, OCWEN will not readjust my escrow payment so I am still paying a higher price they originally calculated. I never chose OCWEN, this company was forced on me When Indy Mac sold my original loan.
On XXXX XXXX and XXXX, 2015 ( as well several phone calls and chat sessions with Discover Card customer service ), I made inquiries to why a payment of {$61.00} that was posted to my Discover Card account on XXXX XXXX, 2015, did not have the funds withdrawn from my financial institution, XXXX XXXX XXXX XXXX XXXX in XXXX, NC, until XXXX XXXX, 2015. Nobody at either Discover Card or XXXX XXXX ' XXXX XXXX could give me a direct answer. Instead, I got the " pass the buck '' routine. Neither financial institution should be allowed to treat customers this way. I have documentation available as proof of these events taking place.
XXXX  has been non-compliant with removing the unverified account AD ASTRA RECOVERY SERVICES Opened Date XX/XX/2016 which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that AD ASTRA RECOVERY SERVICES was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Nationwide Credit Corporation ( XXXX, VA ) continues to call me daily to collect a {$40.00} medical debt from a doctor I do not believe I have ever seen. 

I have spoken with their representatives many times over the past month or so. They are generally nice until I request a Debt Verification letter, then they turn hostile and begin shouting at me. I understand my rights and will not make a payment until they have provided a verification letter. I have no problem paying this debt if it is in fact mine, but I don't think it is. 

They claimed to have sent a letter to me, but I have not received one. I asked if they sent it certified, but they declined to answer, so how do I know they sent it or are just lying like another shady debt collector? I can't possibly know!
Capital One pulled my XXXX credit report twice onXX/XX/XXXX and XX/XX/XXXX, and my XXXX credit report on XX/XX/XXXX without my authorization. I have had identity thieves steal a credit card and try to open other fraudulent accounts within the last 12 months. It started after Capital One pulled my report for these unauthorized credit applications. The company does not seem to care that they may have been a player in helping identity thieves gain extensive knowledge of my accounts.
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I have sent a letter and made multiple calls ( XX/XX/XXXX and XX/XX/XXXX ) on the matter and yet they continue to 1 ) list the inquiries on my report ; and 2 ) fail to provide information on the fraudulent inquiries. The former hurts my credit score and ability to receive future credit. I 've disputed with both credit reporting bureaus but they and Capital One remain stubborn on reporting fraudulent inquiries. I understand the latter may not be something they want to share everything on. But I 'd like to know more about who they let access my report without my authorization. It 's essential in tracing and stopping future breaches of my privacy.
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Capital One must remove these inquiries from my XXXX and XXXX reports. And give me assurances that they know to call and verify any information with me before future applications. And to hopefully, give whatever information they have on the fraudulent uses of my credit report.
My identity has been compromised some time ago, and the aftermath had me fighting for my identity back. My first order of business was to dispute unauthorized accounts and inquiries. However, the 3 major credit bureaus response was account ( s ) verified. The accounts in questioning are as following, ( 1 ) XXXX XXXX XXXX  XXXX {$0.00}, ( 2 ) XXXX XXXX XXXX {$3600.00} ( 3 ) XXXX XXXX   {$830.00} ( 4 ) XXXX XXXX {$440.00} ( 5 ) XXXX XXXX {$86.00} In regards to the accounts above and the 3 bureaus, I'm requesting the Method Of Verification used to verify the above accounts. I would like to know what employee spoke to whom, and by what means of communication, phone, text, letter, fax, email, physical documentation, etc. What date, day, and hour. What physical documentation verified these accounts. In accordance with the FCRA laws I'm requesting all the above and if this is not provided to me then I'm requesting for the above accounts to be blocked. As a consumer and a victim I'm within my nature rights.
I was treated at XXXX XXXX Hospital in XXXX of 2017. I was sent a bill of {$990.00} and then later for {$1000.00}. I was told in the hospital a bill of {$500.00} would be mailed to me. Different bill amounts sent to me had me send a letter to XXXX XXXX Hospital ( which I will attach ) asking if they could verify the debit amount due and a summary of why I owed what I owed. I never received any letter or in-dept bill, but now a collection letter with a new amount of {$290.00} ( XXXX XXXX ). I disputed this with Experian and they are saying this debt is correct but now with a new amount of {$280.00}. I have asked from the original collector to just verify my amount and I would have paid what was due, but instead have received all different amounts with nothing showing me what these amounts are for and why they are all different. Original collector should have communicated with me from the start and this should have NEVER gone to collections and now my Credit Report that I have worked really hard to maintain. I even asked the collector to verify these charges as well and no response, just straight to Credit reporting. I would appreciate any help with this matter because this should not have gone to collector and then to credit reporting and avoiding my letters. I can upload letters, and bills with different amounts
I applied for loan forgiveness as I work for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as an XXXX XXXX. I applied under the Public Service Worker forgiveness program only to be told that my loans did not qualify because they were not direct loans. I originally got statements from Sallie Mae that changed to Navient. I have seen the lawsuits against Navient and believe I am one of those affected.
My name is XXXX XXXX in my loan has been bought by LoanCare which is a terrible company to deal with along with the employee. They call me stating that I had a shortage due to the taxes going up in my area I made three separate payments on it in the last payment did not get applied so my mortgage went up I had to call the company several times and every time that I would speak to different representative they would tell me that they applied it which was never the case so LoanCare sends me out another statement saying that I have another shortage due to me changing Insurance Company the shortest was only supposed to be for {$360.00} they sent me a statement saying I owe them a shortage of {$420.00} which I have no clue on how they got the math because my last insurance was only {$870.00} for the year and my new insurance is only XXXX for the year. For the month of XXXX I paid an additional {$100.00} to go towards the {$360.00} shortage they did not apply and also told me that my loan monthly payment was a different amount because the first escrow shortage was n't paid which was incorrect. I have had to call LoanCare so many times and speak with so many different people they will tell you whatever it takes to get you off the phone and not seem to care at all about your loan nor your heart earn money so I spoke with a manager agent ID XXXX from LoanCare I just went on and made the full payment of the last escrow shortage that they told me I had in full so I would not continue to have headaches dealing with this company I really wish I can get my loan transferred to professional company I 've never had this many difficulties dealing with a mortgage company this telling me every other month I have a escrow shortage the mortgage banks already are robbing us blind we 're paying our homes off three times the amount that is worth just in intrest and it really should be against the law.
RE : CitiBank issued Home Depot charge card/s. [ Unauthorized ] deferred interest payment on purchases over XXXX. I was not made aware nor did I approve " Deferred Interest '' purchase at time of purchases. I neither made aware or given a choice to purchase these : NO INT FOR XXXX MOS - PMT REQ XX/XX/XXXX {$720.00} {$0.00} {$720.00} XX/XX/XXXX NO INT FOR XXXX MOS - PMT REQ XX/XX/XXXX {$550.00} {$0.00} {$550.00} XX/XX/XXXX
National Default Servicing Corporation ( NDSC ) did not provide the required pre- Notice of Default ( NOD ) outreach as required by California Civil Code XXXX. 
Please refer to Consumer Financial Protection Bureau complaint XXXX where NDSC admits the Substitution of Trustee was executed on XX/XX/2016 and recorded on XX/XX/2016. Therefore, any correspondence addressed to me was provided by NDSC prior to the date of execution of the Substitution of Trustee was done before and outside of their role as Trustee and as a shady debt collector who had not been authorized by the bank to commence debt collection activities and including beginning foreclosure processes. Thus, the required pre-NOD outreach had not been satisfied. 
All previously requested resolutions are desired.
Equifax ALLOWED the leak of my very sensitive personal financial information and kept quiet about it for about a month until the company 's directors were able to dump their shares of stock. I was one of the 100+ million Americans affected.
All Three Credit Bureau 's are reporting inaccurate information regarding The " XXXX   XXXX XXXX '' Loan, on several occasions I have asked for this issue to be resolved and to no avail the issues Have not been fixed. The issues of inaccurate reporting are wrong loan balance the credit bureaus are reporting ( XXXX ) The Correct amount is ( XXXX ) and they are also reporting this account as Delinquent ( 90-119days ) this also is inaccurate reporting. The account is current I have contacted them in XXXX, XXXX and XXXX but i keep getting the response from supervisors.i also have provided hem with evidence that the account is current
I was under contract to purchase a new home with Supreme Lending. After the initial information requirements were met, I was told that everything was going great for the next 5 weeks and nothing was needed from me. Two days before my closing date I was given a huge list of " pre-approval '' items that were required in order to close and then told I was not going to close in two days and that we were given that information several times ... this was not the case, both myself, my realtor and the sellers had no idea we weren't closing in two days! There were multiple problems for the next 11 days until we finally closed. The biggest problem is that I didn't even get my final disclosures until Saturday evening when I was closing Monday morning ... those disclosures didn't even have the accurate amount of my closing costs of which I didn't receive until XXXX XXXX the morning of closing! This is a TRID violation! 

The amount of my closing costs increased at the last minute and the lender credits I was promised were nowhere to be found ... when I asked why my credits went from over {$2800.00} to {$460.00} ( which is why we increased my interest rate ) they said it was due to a lock extension fee and instead of charging me for it, they paid it with my lender credits ( essentially the same thing ). When I discovered what a lock extension fee meant I told them they were the reason my closing was delayed and they owe me this money, but I have yet to receive any type of response from anyone in their office. Had they done their job in the 6 weeks we were waiting to close rather than 2 days prior to closing, none of this would have happened! 

In the 11 days my closing was delayed, I was told I wouldn't close on this loan if I didn't get transcripts from the IRS in 24 hours ... this was impossible and I should have been told this was needed from day one, they told me I had to lower my home owners insurance premiums or I wouldn't close at all because they pre-approved me for too much, I was spoken to with incredible disrespect, ignored and not communicated with, given zero notice when they needed something at a specific time and then expected to leave work in order to fill those needs from my home computer and scanner, etc ... I have all email correspondence proving how awful this experience was and all the awful " used car salesmen '' treatment I was given. I called the owner of this lending office 3 times and left 3 messages ... my call was never returned. 

The owner of this lending company even admitted to my realtor that they dropped the ball on this loan, but I'm still being charged for their mistakes ... I want my money back!
This complaint is for re-open the  Case nu mber :  XXXX .   It 's more th an three  months now. I still did n't receive my  XXXX  repaid card.
Hello, I called Bank of America today in regards to have them Remove two Negative remarks from my Credit Report. They told me that they could not accommodate my request because the reports are valid and must remain on my report. I explained why both the ref accounts were delinquent at the time the payments were made late. 
At that time ( XX/XX/XXXX of XX/XX/XXXX ), I had been advised by my XXXX XXXX XXXX when I retained them, ( XXXX XXXX XXXX  XXXX ), to Not Continue making payments to B.O.A., that they will handle things from that time forward.. Hence Bank of America placed the Negative reports.. To date, both accounts are caught up and both accounts have been paid on time with No Past Due amounts. 
Is there any possible way these negative remarks can be removed? 
Any help would be deeply appreciated.. Thank You _____________________________________________________________________ 1 ) XXXX - Bank of America - Acct # - XXXX Date Opened - XX/XX/XXXX Account Status Open Payment Status Current, was past due 90 days Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated XX/XX/XXXX Credit Limit {$1700.00} Monthly Payment {$34.00} Past Due Amount - XXXX Highest Balance {$6200.00} _____________________________________________________________________ 2 ) GOLD OPTION - Bank of America - Acct # - XXXX Date Opened XX/XX/XXXX Account Status Open Payment Status Current, was past due 60 days Status Updated XX/XX/XXXX Balance {$2200.00} Balance Updated XX/XX/XXXX Credit Limit {$9700.00} Monthly Payment {$55.00} Past Due Amount - XXXX Highest Balance {$18000.00} Terms Revolving _____________________________________________________________________ Creditor Information - BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
My Citi Aadvantage credit card is 9 days past due and Citi has called me 4-5 times per day over the last week to remind me of it. They are concealing some of these collection calls by saying " we sent you a new card and want to make sure you received it, by the way you 're past due, can you pay it now? '' It 's a deceptive practice that needs to be stopped. I feel harassed and the number of calls has become annoying. I just payed the bill today, but their communication practices, I believe, are illegal.