WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to resolve this account for THREE months, I then receive a notice that my file has been updated correctly and then 2 days later it is back to having a balance. I have sent NUMEROUS letters and fax to all 3 credit bureaus to get this problem corrected, I have spoken to several customer service representatives about this issues again today XX/XX/18 I called all 3 credit bureaus AGAIN about this problem and a XXXX for the ( XXXX   team ) at XXXX  told me there is nothing she can do but keep filing a dispute. I have send them a letter regarding this account and now she is telling me they cant accept the letter because some of the letter has the account number encrypted. I'm very frustrated at getting this resolved and they are now in VIOLATION of FDCPA. my credit report should be updated immediately with CORRECT information!
On XX/XX/XXXX I got a message alert from my Chase app saying {$210.00} purchase was made at XXXX. I immediatley called Chase and reported it, I never lost my card or anything it was in my possession. On XX/XX/XXXX the claim was processed and {$210.00} was refunded back to my debit card account along with the {$34.00} insufficient funds fee. On XX/XX/XXXX I got a message from my Chase app saying my account is overdrawn - {$150.00}, so I called again and was told that from Chase that after investigating it was determined that the charge was not fraudulent and the {$210.00} has been removed from my account. Chase said XXXX told them that XXXX XXXX XXXX Black/White was successfully delivered so that confirms it was not fraud. I am a XXXX customer but I do not buy expensive XXXX. I have 2 sons who are not that size. I ordered from XXXX on XX/XX/XXXX and XX/XX/XXXX for both my sons and each transaction were less than {$120.00}. After speaking to XXXX numerous times today that don't have any documentation of Chase contacting them asking about the shipping details on this shoe.
I bank with Bank of America. In several occasions Bank of America has place a hold upon a payroll deposit check I have made. On all of these occasions I have asked for and received a copy of the cleared from the accountant for my employer. The hold has always been place one day after the check cleared and in such a manner that out my account into negative status. It seems to me the algorithm that is responsible is targeting accounts that may earn Bank of America a financial reward in the term of fees for overdraft. It even happened when my employer changed to Bamk of Amercica as the a. Punt holder for payroll. I was told that Bank of America had received information that 's payroll check would be returned even though it was drawn from anothe Bank of XXXX account. Bank of America 's fraudulent actions have cost me XXXX dollars of late fees and associated costs due to the fraudulent holds being placed upon my account to. I have evidence of the day the checks where authorized and screen shots of my a. Punt showing that money was credited to my account and a hold was placed on my account after the date the payroll checks cleared. I believe that Bank of America has a working agorythem that is trying to maximize based on holding checks deposited to encure over draft fees.
XX/XX/2018 Nelnet posted five different derogatory remarks to my student loan account. This has caused my credit score to drop over 80 point. I would like to dispute this, because at that time I was serving in the military and had no idea that my student loan was delinquent. I am working toward making sure my student loan is paid on time, and also trying to refinance them to get them to more a manageable amount.
I seen multiple hard inquiries on my XXXX XXXX  and equafix accounts which m not recognizing. I already have credit cards from them e.g XXXX and XXXX XXXX. I would appreciate if these inquiries could remove.
I have continually made disputes with XXXX, Experian and XXXX concerning the numerous

names and address attached to my credit report. I have sent them verification of my name via social security card and proof of address via driver license and current mail. I have never applied for credit under any of the names or address 's they have listed. My fear is they have my credit report merged with someone else who has the same name or close too.
This complaint is connected to Complaint Numbers : XXXX Caliber Home Loans XXXX XXXX XXXX XXXX   Representing : XXXXXXXX XXXX XXXXXXXX, XXXX. as Trustee for XXXX XXXX XXXX XXXX XXXX transfered Mortgage to Caliber Home LoaXXXX XX/XX/XXXX XXXX Kept filing papers for Foreclosure after XX/XX/XXXX Caliber refused to communication and work out ANY payment schedules. 
Loan was In Husband and Wife Name and was foreclosed in Husband name only Wife is still In Title per XXXX XXXX Superior Court. 
House is vacant and need contact number to negotiate to move back into home of 43 years. 
Caliber Home Loans has had my permission to talk to CFPB and refuses to answer my calls regarding the CPFB Complaint referenced above. 
Sent Hand written and legal docs to MR. XXXX XXXX on XX/XX/XXXX. Still no Response.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Reimbursement check # XXXX ( XXXX XXXX  XXXX/XXXX/XXXX XXXX Member # XXXX XXXX/XXXX/XXXX - Spoke with XXXX XXXX/XXXX/XXXX - Supervisor XXXX
I have two inquiries on my XXXX credit report by the following companies ; 1. XXXX XXXX XXXX on XX/XX/2018 2. XXXX XXXX XXXX XXXX. on XX/XX/2018. 

I do not recognize any of this inquiries and I am therefore disputing them with XXXX and Chase and XXXX XXXX XXXX.
Company was negligent with customer data, with the result of putting the entire system with which the country does business at risk. The data that was stolen may invalidate the way we bank, secure our financial reputations, and are identified by the government. This does not even include the extreme risk of personal identity theft and the loss of money, time, and emotional wellbeing that goes along with that.
The additional information that Experian has lied overtly in their online web portal by randomly reporting if customers are victims of the hack is further evidence of their willful negligence.
I HAVE A ALLY BANK ACCOUNT DID A DEPOSIT IN THE SAVING ACCOUNT .I HAVE A CHECHING ACCOUNT TO. THEY PUT THE MONEY IN THE ACCOUNT NEXT DAY BUT PUT A HOLD ONTHE FUNDS TO MONDAY I WAITING UP TO TRANSFER THE XXXX TO CHECKING AT XXXX DID NOT HAPPEN LIKE IT SHOULD THEY ARE IN PA SO IT WOULD HAVE BEEN XXXX AZ TIME .THEN INSTEAD OF PULLING THE XXXX FROM THE SAVING THEY PAIDED AND GAVE ME A XXXX OVERDRAFT FEE. I CALL IN TO GET THE FEE REMOVED AND PAY THE XXXX THEY TURNED IT DOWN. I WAS GOING TO CLOSE THE ACCOUNT. SO I DONT HAVE ALLY BANK PROBEMS THEY PUT HOLDS ON FUNDS TO MAKE MONEY OFF IT SO I CANT GET MY MONEY. I CALLED ALLY WAS TOLD BY CUSTMER SERVICE AS LONG AS I DONT HAVE XXXX TRANS ON SAVING I WOULD NOT BE CHARGED FOR COVING THE XXXX DOLLLARS FROM THE SAVING. MONDAY THE XXXX WAS THIER SO I PULLED IT TO MY ORTHER ACCOUNT KNOW TUESDAY THEY PUT A BLOCK ON THE ACCOUNT SO I CANT GET THE MONEY.AD THE TRAS I PUT THOUGHT WITH MY ORTHER BANK WILL OVER DRALL THE ACCOUNTAGAIN AND GET A NEW XXXX FEE. I REPORTED TO OCC CASE # XXXX AND THEY SENT TO FDIC CASE # XXXX THEY SAID TO REPORT THIS TO YOU THEY DONT KNOW WHAT OFFICE CONTROLLS ALLY BANK!
Original creditor claims that They were unfamiliar with collections agency and that I DO NOT HAVE ANY OPEN DEBT WITH THE ORIGINAL CREDITOR THEY SENT ME STATEMENT IN MY FAVOR ; Yet Their AFTER TELLING ME ON PHONE THEY WOULD WORK ON FIXING THIS I SHOULD TRY TO MYSELF?? My Insurance paid this {$480.00} bill I do n't owe anyone but collections agency ruined my credit score basically as my personal bank significantly lowered my credit line and gave false info as they left me with deragatory remarks with open collection unpaid.
My daughter ( deceased as of XXXX XXXX, XXXX ) and I ( co-borrower ) initiated a government student loan ( what I thought was a government student loan and according to XXXX XXXX XXXX, Federal student loan ) XXXX XXXX. Payments did not begin until she graduated from XXXX XXXX XXXX XXXX in XXXX ( so I assume the protocol of student loan was being followed ). She was making payments and was current as of XXXX XXXX. Her unexpected death has left me as guarantor of the loan which I thought could be forgiven based on " student loan '' protocol. I have been " slapped '' with a civil judgement at this point in time which a first payment is expected XXXX XXXX, XXXX. I no longer have the income to support payments of this debt ( retired/pension ). I am seeking forgiveness or cancellation of the debt ( XXXX ). The initial school was XXXX XXXX XXXX XXXX. The promissory note and death certificate are available upon request.
Im extremely mad with XXXX because they are not following the law, I have four accounts ( that are reporting to the other two credit bureaus ( XXXX XXXX  ), ( USAA Saving Bank ), ( XXXX XXXX ) and a other ( USAA Saving Bank ), Are these for accounts are reporting tool or three credit Bureaus as per each creditor.XXXX XXXX, XXXX  are reporting these accounts but XXXX fails to report these accounts. I called XXXX multiple times letting them know about the issue also letting them know that they arent reporting anything since XX/XX/2018 they are  noncompliant to the law
Today is XX/XX/2018. For at least a month, I have been receiving calls from Sunrise Credit Service ( SCS ) about a bill they claim that I owe XXXX. I did owe money to XXXX but I paid them even before SCS started calling. I told SCS that I had already paid the bill. That did not stop them. I sent proof that my balance was {$0.00}. That did not stop them. I told them that they need to send me proof that I owe this bill. They refuse. I have contacted XXXX, they claim that my bill is paid and they have no knowledge of a credit issue. I contacted XXXX, they didn't even know who I was nor anything about a debt collector. Now SCS is claiming that they will put this on my credit report. They call on multiple numbers from multiple area codes. They call morning, evenings and weekends. 
They called today. 
I can provide proof of the bill having been paid. 

What can I do?
My name XXXX XXXX was enrolled in the XXXX in XXXX XXXX located on XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. I XXXX in 2014 however, after the XXXX they told me apart of the program completion, they would be helping me with training, assistance with studying for the test XXXX and XXXX assistance. This was apart of my tuition agreement and program for this institution. I agreed to pay XXXX loans XXXX XXXX and Genesis Lending ( a private loan given by the school ) because of the promises given that I would be assisted through out until I find work. Unfortunately, all these promises during and after graduation was not met because the school was forced to close. According to a recent article " Accused of misleading students and falsifying records, XXXX of Florida 's -- and the nation 's -- largest private, for-profit college chains is being forced to sell campuses or close its doors. '' I am a student who has suffered from this malpractice and now owes XXXX loans, with no job. I made faithful payments to Genesis Lending and I would like to be refunded the money. I have called the Florida Department of Education. 

Read more here : XXXX
I have a home loan with Wells Fargo which is currently in the arrears. I have owned my home for 42 years and have been trying to work with Wells Fargo agents on negotiating a reasonable payment plan, restructure, either a restructure or loan modification. However I can not seem to get through the red tape. No real help has been offered nor have I been accurately reviewed for any other options that would lower my monthly payments. I have done everything I can think of to resolve matters with Wells Fargo, again to be ignored. They never designated a single point of contact. With Wells Fargo receiving XXXX dollars in incentive relief for assisting struggling home owner like myself for a loan modification from the Department of Treasury, as part of programs such as Making Homes Affordable. I am now facing foreclosure and in desperate need of assistance as my husband and I are in our eighties and have nowhere to live. XX/XX/XXXX I refinanced my home by signing a purchase money loan. I tendered my payments on time as agreed. However my husband had a XXXX on XX/XX/XXXX continuing through XX/XX/XXXX. Due to his length in XXXX we begin struggling to tender our mortgage payments. I did the best we could to keep up with our mortgage payment going so far to deplete our savings reserve we eventually defaulted with Wells Fargo. XX/XX/XXXX I contacted Wells Fargo advising of our struggles to tender my mortgage payments on time. Wells Fargo agents offered me the opportunity to apply for a loan modification ; I returned the required loan modification application, along with all requested documents. After receiving what seemed like a paper-chase along with all the run-around after all that, a decision rendered was a denial due to low income. I have attempted to work things out with Wells Fargo, but all of my efforts have yielded negative results. Wells Fargo Agents have been unwilling to work with me. No review of my current financial circumstances has been opened or discussed and no home retention options have been offered. Desired resolution : I want Wells Fargo to immediately stop this foreclosure activity and take a long, hard look at my CURRENT financial situation in an effort to assess my ability to pay a lower monthly mortgage payment. I also believe I qualify for other programs and thus would like to be considered for any and all government programs and home-retention options that are available to me. I do not want Wells Fargo to foreclose on me. I disparately want Wells Fargo to give me a second chance to save my family home. Why ca n't Wells Fargo restructure my loan to give me some relief in accordance with government guidelines? PLEASE help me convey to Wells Fargo to stop all foreclosure activity and review my file. I am so scared my husband and I will be homeless at our age. 

XXXX XXXX XXXX
I have no knowledge of any accounts with XXXX Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXXX or that I owe them any money. This account is negatively affecting my credit and hindering me from obtain any good credit.
I started trying to get a modification on my house as my house after payin for 8 years and never being late is still not worth what I owe on it. I tried to use my good credit to refinance as they have raised my interest rate again this year and ca n't afford it but can not because my house still is not worth what I owe on it after I paid XXXX dollars for an appraisal. I have spent months seconding ocwen financial paperwork to get a modification. They say they are reviewing it and I ttakes 30 days and then after 30 days they say they need more paperwork. I have been doing this since XXXX with this company ther should be some law against this. Today I talked to them as my review was suppose to be done again XXXX XXXX th and the representative today said he is not sure I must need to send more information. I have done everything asked in order to get a modification and this company continues to put me off tell me everything fine it 's inder review and then says no now we need more paperwork.
There was nothing to explain further. I have been sending letters to Exquifax and XXXX for months now and I have repeated myself over and over again. Bankruptcy ChapterXXXX-petition filed XXXX, XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNT
On XX/XX/XXXX a " Validation of Account '' memorandum was sent to PINNACLE LLC XX/XX/XXXX with a Certified Mail Receipt ; [ tracking # XXXX ] receivedXX/XX/XXXX. 

PINNACLE LLC XX/XX/XXXXresponded XX/XX/XXXX8 ; ( 38 ) days after receipt of memorandum for Validation of Account. This is ( 8 ) days past the ( 30 ) day limit under the Fair Credit Reporting Act. 

PINNACLE LLC XXXX and its XX/XX/XXXX response " did not '' validate the account ; they only sent a copy of the bill, with no supporting documents such as signature on a application for service or contract he may or may not have signed. 

PINNACLE LLC XX/XX/XXXX sent a copy of the original bill with no proof of where or when the contract started or where service was established. 

This failure to respond within the ( 30 ) day limit as well as failure to validate this account are contrary to the Fair Credit Reporting Act.
iq data i never lived in XXXX new jersey. XXXX i never owed and this is not my debt. this is illegal i suffer from XXXX.
I have been approved for a loan modification by the Servicer SPS andthey continue to foreclose on my family even after I have reached out tothem several times for help. They are clearly ignoring our cries for helpalthough we have qualified and have been approved for a loan mod. 
I have spoke to several different reps ( XXXX in all- XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX @ XXXX XXXX XXXX @ XXXX and XXXX @ XXXX XXXX ) All of them gave me the run aroundevery time I called and they said that the foreclosure would be stoppedand that I would not lose I home because we qualified and they weresending the approval by mail which has not arrived yet. However theTrustee sale is set for Monday XXXX XXXX, 2015 by XXXX XXXX who I also called to request help and all they saidwas to file bankruptcy which is the only option they claimed I hadto save my home. I am very frustrated and scare about the foreclosuresale date and have not been able to get anyone to confirm the stoppageso I still face losing my home on Monday. I need help to stop theServicer from foreclosing on my home. They have negligent and abusivetowards us and now they want to steal our home and kick us out onto thestreet and be homeless.
It is important to note, my loan officer company is   XXXX   XXXX   XXXX    XXXX  is a different firm managing my loan payments.
I have received in mid  XX/XX/XXXX  attached statement "  XXXX  '' from loan officer su.
In this statement it was clear that my next payment date is XX/XX/XXXX and new monthly is  XXXX .
In addition, in that statement, you can see actual payment on   XXXX   as accounted for and it clearly stated that i overpayed the year of  XXXX  and it included a check of  XXXX  $ made to me to pay for the surplus i paid.
I was preparing to make my  XXXX  payment as usual. but after this letter, i checked  XXXX  website and deducted no payment is required.
No emails nor phone calls nor mails were received from neither firms until   XXXX   XXXX  etter attached which was received in XX/XX/XXXX  stating that i was actually late.
Before i even knew, I went to   XXXX    lat e  XXXX  to pay for   XXXX   and realized the issue and paid for both  XXXX  and  XXXX .
that day spent hours on   XXXX   XXXX  , i tried processing my payment but it wasnt going thru. There was a total issue occurring.after painful experience, i 've figured i need to process two separate payments for each month and together it was failing since monthly amount itself have changed.
Overall, Both companies failed to notify me on timely fashion and provided contradicting information. Both promised to remove from credit report and that it will be repaired once misunderstanding has been cleared.
However, 6 months later and after very horrible experience and 6 month of emails with loancare.com i stil havent been able to remove it from my credit report. i was reported as 30 day late and now PMI will not be removed because of this mistake.
This company been redirecting me from one department to another and today i was redirected to a fake email  XXXX  They damage my credit for no reason without proper notification. they 're interface now spams me with multiple pop-ups and i have to click 6 times to confirm to just see my statements. They are aware of the issue and claim they are working on a fix. this has been going on more then 6 month.
despite the reasonable case that ive made and many messages and followup and even after i paid fees and over 6 month of trying to get response with no luck, the creditor is acting unreasonably '' by not removing the 30day late payment even when they agreed to and Loan officer already agreed to remove since they have sent the confusing statement and never clarified.
I wasted my time for half a year now, and i hope similar companies can be stopped from consumer harassment such as my case above and held them accountable for what they are doing.
Regards,   XXXX   XXXX
I applied for a loan mod in XXXX of this year. I was not notified of any missing documentation. i assumed that the m\loan mod was going forward. I received ads from people wanting to buy my house as a foreclosure on XXXX XXXX. Called the servicer and my house is up for sale in XXXX XXXX. No notice of anything.
I bank with Suntrust and this keeps happening. they will take the biggest amount from my account first then charge me XXXX per item that came in before the big amount. I have asked them if this is how banking regulations and its not but that is how they operate. So far they have taking XXXX for pretty much overdraft charges I want my money bank, they are also charging for extended overdraft charges.
XXXX   XXXX   debt and mortgage showing on my   XXXX   all  XXXX  matter fact i 've never bought a mortgage and  XXXX
I received my degree as a non-traditional student because I thought it would help me find a better job. When I received my first repayment information, I still had not secured employment that would allow me to repay the loans. I put the loans in forebearance, I believe this was through XXXX. At some point the loans were transferred to FedLoan Servicing. I later found out that if I made 120 payments, adjusted based on income, and applied. My loans qualified and I started this program. Then, about six months ago, I was told by a customer service person that it would be better to consolidate the loans, so I did just that. I received a letter dated XXXX XXXX, 2017, showing that I had a payment due. It also showed that I had no PSLF qualifying payments. I called to find out why my payment was so high and why the letter stated I had no qualifying payments, even though I had three years of qualifying payments. I was told that I lost all previous qualifying payments because the loans were consolidated! I am trying to get qualified again, but I dont know where else to go because FedLoan Servicing has mishandled my student loans. It is not right that they would talk me into consolidating my loans without mentioning that I would lose the three years of qualifying payments.