WillisBack/dataset-financial-user-claim huggingface dataset:
Credit monitoring reporting bureous transunion, XXXX, XXXX must be removed and replaced by new credit bureous that can protect the consumer rights and provide the true information as needed. transunion, XXXX, XXXX collect any reported information ( some of them are incorrect information ) and impact the credit scores. They can make the poor score to excellent score or they can make the excellent score to poor score without a true base. Within the current financial system this actions play a big role for a hourly working personal and can impact the Financial status. We have to immediately terminate transunion, XXXX, XXXX to stop them to violate human, financial and economic rights. 
We truly need a new modern bureous that can monitor and report the information based an reality, contracts, fairness, responsibilities.
on XX/XX/XXXX I called TD Bank and spoke with a representative in regards to suspicious activity on my account. they I formed me I had to go to a branch to complete an affidavit. That same day, I went into a branch and explained to them that money, in the amount of {$3100.00} was deposited in my account to then be withdraw only this time my money was withdrawn in addition to.the amount that was deposited. someone illegally withdrew money from my account in the amount of {$1000.00}. the bank 's approach was unfair. they said that their personnel are not trained to question any amount of deposits or withdrawals and that they will not be able to credit my account until.yhe investigation was completed, which can take up to 30 days. they had no issue giving money to someone other than me but they give me a difficult time when I ask for my money to be credited to my account.
I took out a home equity line of credit on my home approx. 8 years ago with XXXX XXXX. I paid it off about 7 years ago and never drew on it again. In XX/XX/XXXX XXXX  XXXX advised me that I would not be able to draw after XX/XX/XXXX. I understood this communication to mean that my account was closed, since I had a XXXX balance and wasn't able to borrow anymore. 

In XX/XX/XXXX I received a notice that my loan servicing was being sold to Rushmore. Since I didn't have anything to service and my account was scheduled to be cancelled in XX/XX/XXXXI took no action. 

In XX/XX/XXXX, I scheduled the sale of my home for XX/XX/XXXX. On XX/XX/XXXX, my  attorney sent a fax to Rushmore to request a pay-off letter. Approximately a week later my attorney called Rushmore, who told him I had to sign the fax request. I signed it and he resent it on XX/XX/XXXX 

When we still did not receive the pay-off on XX/XX/XXXX, I called Rushmore and asked for the payoff. They were confused because I had a XXXX  balance. I asked them to fax the pay-off to my attorney, and had to repeat the fax number 3 times because the Rushmore employee kept transposing the numbers. 

On XX/XX/XXXX, I called Rushmore again. I got an employee who said this was the first communication they had received according to their system. I told them they need to do a better job of updating their system. I asked to speak to a supervisor, and spoke to XXXX. I begged him to get the payoff out to my attorney so that money would not be escrowed at closing. He told me I needed to pay {$70.00} to issue a release. I paid it via credit card that day. 

On XX/XX/XXXX, my home sale closed, and we had no word from Rushmore. Due to the HELOC lien, in order to close we needed to leave $ XXXX in escrow ( for a XXXX balance loan ). 

The following week, my attorney contacted Rushmore, and now they told him they faxed the pay-off to the wrong fax number ( fax number still transposed ) and they couldn't deal with him because they had to speak directly to the borrowers. My attorney then received a letter advising that the status of the loan is XXXX, which is not a pay-off letter. So I am still unable to get my money out of escrow. 

On XX/XX/XXXX, I called Rushmore to see what was going on. I spoke to a supervisor named XXXX who told me that Rushmore has 30 days to issue the release according to XXXX XXXX, Illinois, so I can expect my release on XX/XX/XXXX ( which is not 30 days from my first request, or from the date I paid for the release. ) Due to XX/XX/XXXX sale of my XXXX balance loan which they had advised me they were closing, and Rushmore 's incompetence, I was required to pay a {$160.00} escrow fee as well as experience the escrow of over {$30000.00} despite not owing any money on this loan for many years.
I would like to file a formal complaint against the credit card issuer Synchrony. I am XXXX years old and had an XXXX. I could n't work and fell a little behind, not even 30 days on my care credit and j.c. Penney accounts I hav still been sending in money and they hav been calling me harrassing me early in the morning late at night XXXX, Sunday morning and sometimes 5 or 6 times a day I am now catching up on the payments and I am the one that has to pay their terrible late and over refit limit payments, not them so I think it is total harrassment to call me a zillion XXXX a day I so loved hearing that phone ring constantly when I was as sick as a dog. I am ripping up these cards and paying them off, they 've by far the worst credit card company I hav ever dealt with. Than you XXXX XXXX XXXX
Wells Fargo LN XXXX XXXX XXXX XXXX , XXXX CA XXXX XXXX XXXX XXXX and XXXX XXXX XXXX We are alleging the following : 1. Racist Servicing Activity - Wells Fargo follows a consistent pattern of neglect against minority borrowers. We have seen this on all of our short sales with XXXX borrowers. 
XXXX BORROWERS are NOT treated this way. We have never had to file a CFPB complaint against Wells Fargo with a XXXX borrower. 
2. Refusal to Send NOSS to Borrower. ( This was our previous CFPB complaint ) The Bankruptcy Attorney never received a copy either. At what point is the CFPB going to realize that the 'responses ' given by Wells Fargo to the CFPB Complaints are nothing but LIES??? 
3. Wells Fargo representative XXXX XXXX of the presidents escalation office, on a recorded phone line, stated that her legal department ( the same legal department that condoned and promoted the illegal opening of XXXX FAKE BANK ACCOUNTS ) is not required to follow ECOA ( Equal Credit Opportunity Act ) guidelines and FDCPA ( Fair Debt Collection Practices Act ) - these were put into place to protect the borrower. 
XXXX Wells Fargo has taken the stance that they do not have to follow laws that were put in place to protect their own clients? 
XXXX. Deliberate and calculated 'misunderstanding ' of the issues when posed for escalation. We believe this has everything to do with race and the location of the home. Wells Fargo has already lost a major lawsuit in XXXX XXXX County for doing the same thing they are doing on this file with this minority borrower. This is purposeful avoidance of the real issues with Discriminatory Minority Servicing practices. 
XXXX. Where and how Wells Fargo came up with their value for this property. We want to be able to work through the value issues on this property and successfully conclude a short sale. We are being prevented from doing so by every department in Wells Fargo, no one will discuss the fact that this property was listed since XX/XX/2016 starting above their " list price guidance '' figure of XXXX. No offers were generated until the last price drop to XXXX and the only offer the listing agent was able to obtain was for XXXX. Because WF refuses to produce their value report, we have no way of knowing what - if any - damages were noted, and the size condition and location of the comparable properties that Wells Fargo has used to come up with a value. While we have provided inspection reports and contractor 's repair bids, no one at WF will discuss this with us. Their value is TOO HIGH for the property in its current condition and we have sent the evidence to support that to WF on multiple occasions. By refusing to discuss reasonable and appropriate market value for this property, WF is preventing the borrower access to reasonable alternatives to foreclosure, and is attempting to extort any potential buyer into paying above market value.
My identity was stolen because of the Experian data breach. Over a year later, my XXXX XXXX card sent me a letter saying they are increasing my APR due to an Experian credit report. I currently have a freeze on all 3 credit agencies. 
Experian is unable to keep data safe. In addition, they are unable to keep the stolen identity case ( that they caused ) from affecting my credit score. My excellent credit rating of XXXX went down to XXXX due to their incompetency. This mismanagement is causing personal harm. There should be a class action lawsuit.

I would like Experian to repair the damage they caused and fairly report my credit score.
I posted my credit card payment the day it was due, XXXX XXXX. However, I live on the West Coast and was not able to do so until after XXXX, or after XXXX Eastern. As a result I was charged a late fee and interest. When previously trying to pay my bill, their website was often down, preventing me from doing so. I paid my bill on the correct day, and was still charged a fee, despite never having been " late '' before. I called customer service to find out what happened and this was what they explained to me.
Approximately 30 days ago i received a mailed postcard from Suntrust Bank stating my address had been changed to a " new address ''. This " new '' address was my residence approximately one year ago. I called Suntrust and spoke to their Manager XXXX who denied there was a change of address. I asked it be corrected and this was done with a new post card about a week ago. I was chagrined to receive yet another post card notifying me that my address has once again been changed back to the prior residence today. Again spoke to Customer Service and they are investigating, saying it has to do with a US Postal feed they get. However, I am very concerned either : something in my account has been compromised or there is a systemic issue at Suntrust with this issue. Either way, I have not submitted a change of address in any manner or form to them and yet they keep changing this information on their system. Am I compromised? Is there a bigger issue here. As a consumer I am concerned.
Had XXXX overdrawn fees XXXX/XXXX/2015 for bofa.. XXXX of which were made a XXXX earlier than my deposit of {$410.00}, which would have covered everything therfore avoiding the XXXX hour time limit i have to bring everything current. Then they said i have extended overdrawn fee??? My account was not overdrawn for 5 consecutive days. I have receipts showing I brought it current. My account was current the day before. They say they can waive XXXX overdraft fee per year but they lie ... Liars have n't waived a fee in years.. And the the XXXX that I went overdrawn on I deposited the money XXXX hours after, but of course they tacked on the fees first, then they made my deposit after.. Bank of America account # XXXX
I am writing to file a formal complaint and to bring to your attention, the unlawful and unethical actions of XXXX XXXX XXXX XXXX, Operations Manager, XXXX XXXX XXXX XXXX, who as an agent of Chase Bank ( Furnishers ), knowingly and intentionally authorized the submission of false, inaccurate and misleading information to the major Credit Reporting Agencies ( CRA ). 

As the attached correspondence clearly indicates the non-payment was solely due to an error by XXXX XXXX and therefore ; I should not be penalized for the failings of this financial institution. This was all precipitated because I recently learn ed that I was a victim of identity theft and therefore ; XXXX XXXX had to close my account as a safeguard to prevent further harm. 

XXXX XXXX was fully aware of all the facts and fully aware that I was greatly concerned about this matter and he assured me, on more than one occasion, that the non-payment and repossession would not be reported or reflected on my credit report. 

I expressed my unyielding concerns regarding this matter before any reporting and XXXX XXXX, who in no uncertain terms, stated that a repossession would not be reported due to the unique circumstances outlined above. Under separate cover, I will forward the voicemail message in which XXXX XXXX, made this commitment, on behalf of Chase Auto Finance. 

The message contains statements, wherein, XXXX XXXX goes into laborious detail as to how he was able to resolve this matter though he required and levied a repossession fee of {$890.00}, plus storage, plus delivery, plus late charges. I stated explicitly to XXXX XXXX, that I would satisfy the fee, but it should not be considered an admission or an agreement to the account status being reported as a repossession. To report this transaction as a repossession is beyond corporate decency and integrity and is contrary to the public policy rationale that " Furnishers '' of information, have a duty to provide accurate information regarding consumer credit. 

As outlined and allowed by the Fair Credit Reporting Act, I submitted my dispute regarding this transaction to Chase Auto Finance on XX/XX/XXXX,  and the dispute is still pending so therefore Chase violated the protections granted to consumers and victims of identity theft. Further, I had an opportunity to review Chases Collection procedures, also attached, and the importance of timely communication and providing the consumer not only with notice but an opportunity to cure any outstanding issues. However, I can demonstrate with clarity and no ambiguity that Chase Auto Finance,  also violated its on policy -- as I never received written notification and in fact, my XX/XX/XXXX statement reflects a transaction on XX/XX/XXXX for {$2100.00}. 

This entire ordeal has lacked integrity, accountability, respect, truthfulness and most of all XXXX XXXX actions undoubtedly dismisses the principles of ethical business practice. He has demonstrated a lack of professionalism, a clear understanding and working knowledge of the Fair Credit Reporting Act and most of all XXXX XXXX is horrible reflection of the reputation of Chase.
I noticed a recurring charge on my XXXX 's account every month after purchasing furniture from their store.I believed it to be interest, but realized that the furniture I purchased was supposed to be interest free for 12 and 24 months. I called the XXXX hotline and was told that I had to call the XXXX XXXX XXXX as it was not affiliated with their company. How is a company not affiliated able to charge a recurring fee of {$15.00} since XX/XX/XXXX on MY XXXX account. I did not consent to this. I was not informed of this. On XX/XX/XXXX, I called XXXX XXXX XXXX ( XXXX XXXX ) at XXXX. I was informed they would cancel my account with them, they would stop charging their fee, they would file a request for refund to their " resolution department '', and I would receive a letter within 30 days. Thirty days passed and I did not receive any letter. I called again on XX/XX/XXXX and was told they would send an escalation letter to their " resolution department '' and I would receive another letter within 30 days. I asked to speak to a manager who informed me that their resolution department could only be reached internally and that this department did not have a contact number nor contact address. I am sure thousands of people are currently being scammed by this program and am shocked XXXX would allow this to occur. I am considering filing a lawsuit.
My student loan, a XXXX loan, was first serviced by XXXX XXXX XXXX, which no longer has the loan, as the contract with the US Dept of Education was cancelled. I have never been late nor missed a payment. 

My credit files show that the loan was 120 day late in XX/XX/XXXX of 2012 as  reported incorrectly by US Dept of Ed - XXXX, which was the loan servicer that no longer exists. 

This makes no sense because it is showing as current the month before and after.
I pulled a credit report and the following information is wrong : Real Estate Credit accounts ; Both XXXX and XXXX have an inflated amount, they have the payments due as {$7700.00} per month, but should be {$4900.00} as reflected by Experian. 

Both XXXX and XXXX have Installment credits accounts as {$2400.00}, this is incorrect. The amount should be {$1000.00}, as reflected by Experian. 

XXXX  has my name as XXXX XXXX XXXX, it should be XXXX XXXX. 

Experian has a late payment for XXXX, dated several years ago, the car was turned in for another vehicle, I was never late on the payment.
BMW XXXX Financial Services, by means of deceptive trade practices, wrongfully repossessed the vehicle from the representative of the Estate XXXX, when, I, XXXX, contacted BMW Financial to request payoff balance for the vehicle. Only until I wrote a letter to XXXX XXXX, President and Chief Executive Officer, BMW XXXX Financial Services, XXXX XXXX, did BMW XXXX Financial Services acknowledged their mistake by their misinterpretation of the XXXX XXXX Texas, Probate XXXX XXXX Estate Affidavit and Court Order for the Small Estate of XXXX XXXX XXXX. Nonetheless, XXXX XXXX XXXX wrote me back and in his letter dated XXXX XXXX, 2016 ( see attachment ), XXXX XXXX apologized for the negative experience and customer service experience that I, as the Representative of the Estate experienced. Additionally XXXX XXXX advised me the repossession fees, in the amount of {$470.00} would be reimbursed to me, XXXX XXXX XXXX the fees as I paid with certified in my name and referencing the account number of the deceased. 
However, when I received the check ( see attachment ), it was made payable to the decedent, XXXX XXXX XXXX and not myself. I wrote BMW Financial XXXX and once again I included the Probate Court Documents and further requested, by and through designated powers as being the Representative of the Estate, that the check be rewritten and made payable to : XXXX XXXX XXXX on Behalf of the decedent. As advised by my attorney previously, I have done this type of death notice and request with XXXX XXXX XXXX XXXX Bank and a few other companies holding any and all personal property of XXXX XXXX XXXX, to release such property should be transferred to the rightful Heir/Representative of the Estate of XXXX XXXX and it was successful. 
A letter dated XXXX XXXX ( see attachment ), 2016 XXXX XXXX, Special Accounts Team Leader, wrote back saying, " We are unable to send refund to anybody other than the account signers ''. 
This is in clear disregard of Texas Probate, Estate and Heirs ' property law. Among other Texas Deceptive Trade Practices law violations to issue a check to a deceased person, knowing there is NOT an XXXX Bank account as it is not necessary for XXXX Estate Administration in Texas. This is just another deceptive trade practice that BMW XXXX Financial Service has issued a refund with NO intentions or good faith of making good the fund distribution to the Estate representative for Estate settlement purposes.
Hello, on the date of XX/XX/2018 Bank of America put a hard inquiry on my XXXX  credit report. I am not aware of this, I tried calling but would just be put on hold for a long period of time.
I attempted to enroll in the Federal loan forgiveness program with Navient. I spoke to Navient and verified I qualified. I worked for XXXX. I thought I only had to make 10 years of payments to pay off my loans, which are over 100,000. Then I called them and said that my payments did not count from 2007 on -- because I should have switched over to another servicer sooner. What!!? They NEVER told me that. Now I am years behind where I thought I was -- all because of their misinformation. I want to be part of the lawsuit against them. Please.
In XX/XX/XXXX we paid off a mortgage loan with Chase bank. The mortgage loan was secured by property into adjacent counties. Chase bank release the lien in one county,  XXXX, but not in XXXX County. After we received a contract for sale on this property we were informed by the closing attorney that there was an outstanding lien with Chase. I contacted them on XX/XX/XXXX And have made numerous phone calls since then and still can not get them to release the lien in XXXX county. The closing on our sale was yesterday, and it is on indefinite hold until this is resolved.
When I transfered jobs to the public sector, I called XXXX/Navient to see about Public Service Loan Forgiveness. I was n't sure if my loans qualified and if my job would qualify. After a few frustrating phone calls in 2013, I never received complete information. I was told I could consolidate my loans and then " see '' if my job qualified. It was posed to me as if it were a gamble. I wanted a definitive answer before going through the process of consolidating my loans and possibly having a higher interest rate overall. Unfortunately, I had to go through several people who were not affiliated with Navient to find out that I did qualify, and that I should consolidate my loans. The process was NOT easy. I am in XXXX, so I was able to find a counselor on campus who could help me. This is not his job. He is my colleague, not my financial planner. It is Navient 's job to train their employees well enough to answer these types of questions for " customers '' or students. Other borrowers are not fortunate enough to have resources and information at their disposal. I lost out on almost 3 years of PSLF because of the run-around.
Check out XXXXfor detailed descriptions on how GE Bank Capital loans is ripping of people with a loan scam. 
A " loan officer '' called me from an unknown line about every XXXX minutes throughout the day for XXXX days. when he realized I was not going to answer he called and left his name and phone number ( XXXX XXXX, XXXX XXXX So I called it. An Irritated person answered and he plainly said take out a XXXX loan for {$5000.00} and give us our money or I would regret it. I said that I do n't need a loan and hung up. He had a XXXX accent, and has not called since.
ACCOUNT IS STILL OPEN, I STILL HAVE THE CAR BUT IT SHOWS AS CLOSE. ACCOUNT WAS BROUGHT UP TO DATE AND MONTHLY PAYMENTS HAVE BEEN MADE ON XX/XX/2018 & XX/XX/2018 BUT ACCOUNT SHOWS AS CLOSE IN THE CREDIT AND NO PAYMENTS MADE. I HAVE CONTACT THEM AND MY CALLS HAVE BEEN IGNORE. WHEN THE ACCOUNT WAS BEHINF THE OFFER INFORMATION OF THE ACCOUNT TO A THRID PERSON WITHOUT BEING AUTHORIZE.
I experienced water damage to my home in XXXX XXXX. On XXXX XXXX, XXXX, I submitted the insurance claim check of {$17000.00} to my mortgage lender. My mortgage lender refuses to disburse sufficient funds for me to meet my contractual requirements to my contractors. I need an initial funding of {$6900.00} to get the work started. Despite a good faith effort on my part to provide supporting evidence to explain the details of the required funds, my lender has only released {$5900.00}, forcing me to self-fund the remaining {$950.00}. 

I have strongly objected to this shortfall, including written email notices and phone calls to the lender 's customer service organization. My written notices to the individual handling my claim have been met with inflexibility, obfuscation, and a message of " not my job ''. I am dismissed with vague references to " go talk to Corporate '' without any assistance given of who I need to deal with. My phone call to my lender 's Customer Service organization was greeted with professionalism and courtesy - yet I have received no response from a management individual.