WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo took over my mortgage loan previously with XXXX XXXX XXXX XXXX, Deed of Trust Dated XX/XX/XXXX, XXXX in a letter dated XX/XX/XXXX, it was brought to their attention that the borrower 's payments were being misapplied. Wells Fargo chose to apply payments intended for the Principal to place payments in suspense or either advance the payment due date, in both cases did not benefit the borrower. This practice was carried on by Wells Fargo from XXXX, the borrower attempted on many occasions to communicate with Wells Fargo by telephone for them to explain and correct the situation. 
Wells Fargo responded to the borrower in a letter initialing denying any adverse action had occurred with the application of his payments. Subsequently, when legal counsel was brought in Wells Fargo story changed and stated that the borrower had not provided written instructions so that Wells Fargo could make Principal Payments in accordance with the Deed of Trust. 
Matters were further complicated by Wells Fargo when responding to our questions and request not to foreclose on the property until Wells Fargo applied the principal payments correctly, In addition, explain why they cease using the COSI ( A Cost of ) Savings Index ( COSI ) without notice to the borrower and substituted with EURO Dollar Index which the Federal Reserve ceased publication in XX/XX/XXXX, and again XX/XX/XXXX. Relying on the last date of Publication XXXX, The attached letter by Wells Fargo dated XX/XX/XXXX, clearly gives notice of a rate change in XX/XX/XXXX, and a change to a new index LIBOR, as a result of the EURO Dollar Index not being published. There appears to be a significant gap in the dates, moreover, Wells Fargo answer sheet attached is not truthful about the changes which will not occur. 
Wells Fargo claims to have transferred the loan and " washing their hands '' The borrower is left out in the cold without any answers while a multi-million company still moves along running over and abusing their customers.
I purchased a house in XXXX of 2014 and started getting phone calls from Portfolio Recovery for debt collection. I doubt seriously I would have been able to purchase any real estate had I the debt they are accusing me of on my credit report, which is completely absent, and my vehicles are paid off. As Portfolio Recovery calls on a regular basis at all hours, from assorted numbers all over the country, I have been forced to block all numbers that are not local. This harassment creates a problem when dealing with my own family emergencies. As I have nothing for them to be looking in to my credit report, my privacy is being breeched on a regular basis. Please make them stop.
An account name XXXX  XXXX  is reporting a repossession that is incorrect. This information was challenged a little over a year ago. This account was dispute because it could not be verified. My ex wife filed bankruptcy in 2015 and put the joint account on a payment plan. This resulted in the unverified information to appear back on my report. I resubmitted a re-investigation for thid account again. 2 credit bureuas XXXX and XXXX  deleted the item but transunion will not budge. I have called transunuon, sent letters and have given the creditor 2 months to verify the information and still it comes back unverified by transunion will not remove the account. Federal law states that if any information is to be re-inserted back on the consumers credir report the credit bureuas have to notify the consumer within 5 days. This was not done. I am requesting this inaccurate information be deleted as soon as possible due to a violation of the FCRA section 611.
Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency, including me ( verified by their online tool ). Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.
Bank of America lowered by credit limit from the original agreement. Therefore lowering my credit score. I now am not able to obtain better work and therefore my financial situation has changed. I need them know to be willing to lower my interest rate.
XXXX has a complaint against it. This is to re-apply a complaint against XXXX in case I have failed to do it properly the first time around ( mentioning all the parties to the matter in the original letter instead of just one ). 

Negative reporting of not paying a debt which I paid to the wrong Bank of America account on their New Bank of America ( debt buyer credit account ) that belonged to another credit account supposedly that was a debt buyer as well, known as XXXX XXXX formerly Bank of America. The consumer should have been informed it did n't belong in the paid up account known as the New Bank of America, former grantor Bank of America, and sent back to her timely. Instead it was wrongly transferred to XXXX XXXX after the cut-off date and I was found to have not paid the credit account. After several credits, the debt reappeared in the automatic system as owed with fines and late payments. When I could no longer figure out what I owed, I stopped paying any debt. I phoned, Emailed, and wrote complaints to no avail. The debt buyer never tried to honor consumer rights. It has no signed agreement from me, and no documents either.
Bank of America issued to me a CASH REWARDS credit card. I earned {$27.00} on this account through the use of the card. Without warning, Bank of America closed the account, precipitously, and without cause. When I tried to have the already earned {$27.00} applied to my credit card balance, I was summarily told that since the account was closed I " lost the reward '' and will not be able to redeem it. 

The Bank eventually sent me a letter stating that my checking account would be closed and gave me 20 days to wind move my funds. They did not allow me the same time to redeem the rewards that I had already earned and that their system still shows to be earned and awaiting redemption. 

This is an exact copy of what they are showing me : Summary for Bank of America Cash Rewards Visa Platinum Plus - XXXX Total credit line : {$3000.00} Rewards for Bank of America Cash Rewards Visa Platinum Plus - XXXX Total Cash Rewards : {$27.00} Cash Rewards Go to Rewards View/Redeem Since I have earned this amount Bank of America should be required and obligated to credit my account with this amount ASAP. They refuse despite repeated requests for them to do so. 

Furthermore, they should also repay me for the {$6.00} that was debited from my checking account on XX/XX/18 and paid to Direct Checks for checks on an account that they summarily closed without cause that are now useless.

Go toMake payment for Bank of America Cash Rewards Visa Platinum Plus - XXXX Go to
XX/XX/XXXX, after seeing two collection accounts on my credit report that I did not recognize, I called Synerprise ( the collector ) for an explanation. I was told that the original debt was for medical bills for XXXX XXXX for invoices dated XX/XX/XXXX. I had been shopping for a mortgage and was frequently checking my credit report. These items were not previously on my report. 

On XX/XX/XXXX, I called the original creditor, XXXX XXXX XXXX and spoke with billing representative XXXX. I explained to her that I had never received an invoice or a request for payment of service. XXXX explained that a statement had been sent via US mail. I gave XXXX my current address, as well as a previous address. She stated that the statement had not been sent to neither of those addresses. She would not tell me the address to which the statements were sent nor could she tell me where they had received the incorrect address. I explained to her that all of the information provided to the hospital and my insurance company reflected my current address. XXXX explained that they did not receive my address from the hospital, but could not explain from where they had received it. I requested to have the account pulled back from collections so that I could pay them directly. I was told this was not possible. I was also told that the account had been turned over to collections in XX/XX/XXXX. I requested to speak to a supervisor and was told that the supervisor would need to return my call. I left my phone number and we discontinued the call. I never received this call. 

It is completely unfair that these charges should count against my credit report when I was never given the opportunity to pay them. I have been at my current address since XX/XX/XXXX and all of my information was accurately reported to my insurance company and the hospital when I registered for XXXX. Both the original debtor and the collections agency understand that the invoice was sent to an incorrect address, but refuse to rescind the collections account.
On XX/XX/2018 This company portfolio Recovery sent a letter to my Present address saying that I owe a debt to this company. I never heard of them until I googled them and seen all the bad reviews. I never had No Credit Card with XXXX XXXX.
My loan servicer, formerly XXXX XXXX, now Navient, has provided false and misleading information regarding a co-signor release option for my private student loans for the University XXXX XXXX, XXXX XXXX XXXX XXXX, located in XXXX, CO. I have called into Navient XXXX times over the past XXXX months to inquire about their co-signor release program. Each time the representative I speak with informs me of a different set of criteria that applies to their co-signor release program. Some have stated after XXXX-year of on-time, principal and interest payments a co-signor " will '' be released, others state it is XXXX years, or XXXX months, or that the co-signor must " apply '' and there is no guarantee they will be released. The variance in information has gone so far to also state that a co-signor release program does not exist. I have requested documentation numerous times, and it either has failed to arrive via mail as indicated, or I have been told there is no documentation on file.
I received a solicitation in the mail that appeared to be from the mortgage company I originally got my loan from. I called the number, and they played right along that they were the same company I previously use. Later on I realized they were not the same company, They used a trusted company name I knew to try to fool me into doing business with them. This is straight up bait-n-switch advertising that has no place in commerce.
Please see complaint number XXXX which was closed because Caliber Homes responded. They did re-apply the funds that they had applied incorrectly, but they still have not taken the derogatory information off of my credit report and it is currently showing with 10 missed payments and currently 30 days past-due. This is having an extreme impact on my credit score and I need help to make them get it removed.
Lady friend forge my name on school loan as an co-signer without me knowing it, then we got married ( XX/XX/XXXX ) and divorce ( XX/XX/XXXX ). 
Nine years later they want me to pay for the loan.
Several times I have tried for free report and have been told I must download forms and send in requested information. I have answered ID question honestly and still told I have to do the mail in process. Why?
I am a victim of the recent incident that occurred involving XXXX XXXX data housed at Experian that may have involved an unauthorized disclosure of my personal information. I am utterly disgraced with the written notification asking me to subscribe to Experian in order to resolve the issue as well as the fact that my data has been compromised regardless of the fact that I have never interfaced directly with Experian in my life. It is utterly abysmal that my personal data is treated with such low importance and left vulnerable to attacks of this nature. I did not receive an acceptable verbal response from Experian when I phoned them to find out what had occurred hence my complaint.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including other furnished Lexis Nexis, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act,  you are required to comply. My name is XXXX XXXX XXXX. My date of birth is XXXX. I am currently Self Employed XXXX XXXX XXXX XXXX My current and only address XXXX XXXX XXXX, XXXX, OH XXXX the following addresses are not mine please delete them. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
I have been trying to complete the ID verification process at Coinbase Inc for the past two days. Their system indicates that customers will experience slow response times. There is only one way to upload and ID for verification via the app and no other option. My funds are being held hostage as I can not execute a sale until they verify my driving license. Very poor experience - I was also on hold for over an hour. Likely a similar experience for many others.
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion, and XXXX XXXX XXXX  with no successful resolution. XXXX, XXXX, and TransUnion only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
RE : Case Number XXXX I had filed a compliant after NUMBEROUS calls to DiTech Mortgage Corp., and their constant refusal to respond to any questions I had. They in fact have yet to respond to all the issue in the above referenced case number with the CFPB. Therefore I am having to file a new complaint with the remaining issues. In my original complaint : issue number 3 was as follows : 3. On my XX/XX/XXXX, statement there was a fee titled : Other XXXX. When I called to check on it I spoke with about 5 people that all told me a different story. Story 1. It was for the insurance. All of XX/XX/XXXX, they took out of my payment enough to pay for insurance in the amount of {$1200.00}. On my insurance renewal I found a new insurance company and my premium was {$940.00}. Obviously, I had overpaid on my insurance by over XXXX dollars. Story 2. It was for my taxes. Taxes do not go up that much in our town. They did not have the proof for that story. Story 3. I was behind on some sort of payment but they could not tell me what it was because their system did not show it. Story 4. The company in charge of distributing the Escrow payments had that information. They could NOT transfer me to them. I had to send a fax to Ditech and advise them of my dispute. NO REPLY to date. Story 5. System error and I would see the credit on my next bill. I have that now and NO CREDIT. I have yet to receive a response to this question. And again each time that I have called to ask, my account manager simply hangs up on me, repeatedly. ISSUE 2 : Recently I found out that you paid my old insurance, XXXX, over a thousands dollars, my new insurance XXXX XXXX dollars TWICE. How does a company come to disburse XXXX home owners insurance check for the SAME property for the SAME year. Are you not aware that insuring the same property more than ounce a FRAUD! DiTech has committed several FUDICIARY DUTY VIOLATIONS and INSURACE FRAUD, the way I see it. I see it this way due to there COMPLETE REFUSAL to COMPLETELY, PROPERLY and CLEARLY provide answers to their actions. ISSUE 3. XX/XX/XXXX, I get home and I have a bright yellow envelope hanging on my door, which I have attached for your review. I open the envelope and it ask for me to call DiTech. I immediately called and XXXX from Missouri answered and I told her I had an envelope on my door. She proceeded to look at my account and asked ME why I had that envelope. As you can see the envelope simply asks me to call. I ask her why I had the envelope and she just hangs up on me. As is company policy for DiTech. ISSUE 4 : I received this envelope form my insurance company. I have attached it for your review. It states that they have billed the mortgage company numerous times and have NOT received a response or payment. PLEASE RESPOND EACH ISSUE, not just one. They are numbered for your convenience.
Rent Recover of XXXX XXXX, LLC posted a collection item on my credit report. I called to inquire about the item and a representative named XXXX and XXXX were extremely rude and disrespectful and insulted me several times. I told her the information she had was wrong and that I would email her an up to date contract that shows I do not owe anything. She refused to accept the notarized contract and called me unintelligent enough to understand. She also refused to allow me to speak with her supervisor before hanging up on me. I have no responsibility to this debt as the real lease agreement was broken by the property owner. I have pictures that show there was no property damage and the real lease agreement is public record filed with the XXXX County Recorder of Deeds under the property address XXXX XXXX XXXX XXXX XXXX IL. Rent Recover refused to acknowledge the real lease agreement and insulted me numerous time. They never sent a notice about this debt before posting it to my credit report. There communication tactics are horrible. They make false statements and never accept real documents. XXXX and XXXX should be fired and Rent Recover should be closed down.
I have been the victim of on going ID theft and have sent documents and a police report to Transunion asking for the following fraud info to be blocked and or removed. 
1.XXXX Credit Card XX/XX/2016 XXXX Credit Card XX/XX/2016 XXXX Credit Card XX/XX/2016 As to date Transunion has not corrected this problem .
On XXXX XXXX, XXXX my credit score went from XXXX to XXXX because XXXX XXXX submitted a late charge of {$12.00}. The card was closed on XXXX XXXX, XXXX with a {$0.00} balance. Almost 4 years later XXXX XXXX reflects on my credit report history indicating XXXX missed payments from XXXX XXXX to XXXX XXXX when the account was closed. I ensured that my balance was XXXX before closing the account. I never recieved any notice from XXXX XXXX that I had a {$12.00} balance. Attached you will find my Credit Report dated XXXX/XXXX/XXXX showing XXXX XXXX with a Balance of {$0.00} and the Pay Status as Current ; Paid or Paying as Agreed. I 've also included my most recent credit report showing XXXX missed payments from XXXX XXXX.
On XX/XX/2016 I submitted a payment in the amount of {$740.00} for pass due payments. My electronic payment was accepted by GM Financial on XXXX XXXX, 2016 at XXXX eastern standard time, referenced with Trace Number XXXX. However, my car was then repossessed on XXXX XXXX, 2016. Due to the nationals holidays in the United States and XXXX I had to place several calls and spoke with several representatives that could not or would not be of assistance, on XXXX XXXX, 2016. I placed several calls on XXXX XXXX, 2016 with the same result. I went as far as obtaining proof of payment from my bank and faxing it to GM Financial via fax number XXXX. However, not until XXXX XXXX, 2016 did I receive a call back from GM Financial. My conversation with GM Financial consisted of them calling my bank for additional proof that my payment would not be returned to the bank. I was then told that in order to receive my vehicle from repossession I would have to pay additional fees which included a {$520.00} repossession fee. I am disputing the repossession fee since GM Financial had my payment for 48 hours prior to issuing repossession. In the last 3 years GM Financial has had XXXX complaints escalated to the Better Business Bureau.
Filed complaint with company regarding 5 year old apartment debt. Asked for validation of debt ( original documents with my signature ) and still have not received anything. With that being said, I want this negative reporting deleted immediately from all 3 credit bureaus. This company is violating the FCRA by reporting negative information without properly validating the debt belongs to me.
This is a Macys XXXX XXXX card which means it has XXXX lines of credit. The XXXX XXXX card portion is due on the XXXX of the month. I have enrolled in Autopay through the XXXX website and have a confirmation of enrollment email but no payment came out for XXXX. When I called up yesterday to ask why it did not come out, I want to keep my account and credit in good standing, no one would speak to me. They keep telling me that the Macy 's portion of the credit card is overdue! I have that statement and it says {$3.00} were due for a paper statement request from the previous month. That request had been a misunderstanding and never should have been sent out. On XXXX XXXX, 2016 I called the company and the woman waived the fee, making my balance {$0.00}. The balance Macy 's is trying to make me pay now is from a purchase I made but is showing up on my XXXX statement ( which I was able to access online ). 
They tell me the {$3.00} amount on my account was credited to the wrong statement so that my account is still considered overdue. I have gotten XXXX help over the phone from Macys. They transferred me to the Recovery department who immediately understood me and saw everything I was saying reflected in my account. Unfortunately, she could n't help me and sent me back over to Macy 's customer service line who proceeded to ignore my issues. I have spoken to 4 different people and departments. No one will get me a supervisor. I need help because I am going in circles. No one can even tell me if this is effecting my credit report. The credit dept they sent me to tell me they can not assist because the account is past due after speaking to someone who just gave me their number and assured me the credit was applied.
I have XXXX loan from my time at college, a Federal Perkins loan, being serviced by ACS Education Services. Six months ago I changed main banks. I attempted to change the bank that ACS Education Services auto-withdraws from. I received no receipt not acknowledgement at the end of the 7 days they state is required to process the bank change. I in fact received no communication whatsoever. I checked the account and saw that they had assessed a late fee and listed the payment as failed, and had not sent any notification about the failed payment or late fee. I paid manually, using their ExpressPay system, using the same exact information that I had registered as my main bank account for autopay. I then re-filled the autobillpay form, thinking it might have been a mistake ( I would like to add that they do not, as every other company I have interacted with would do, perform a bank account validation withdraw/deposit ). Next quarter I had the same issue, except I was notified by a late payment status on my credit card. Again, I received no communication. When I contacted the company ( who was unavailable by phone ) by email, and explained that I have n't had a late payment in seven years and would like them to withdraw the late payment from my credit status, they refused, and stated without any presentable evidence that I was wrong. At no point in time did they offer any assistance in resolving the issue, nor any advice ( despite an explicit request ) for a method to confirm that the account was properly set up. Late payments aside, I do n't understand why they would seek to damage my credit instead of simply working to ensure the account is properly set up. A person 's credit rating is important and I have done nothing that would reflect willful negligence.