WillisBack/dataset-financial-user-claim huggingface dataset:
I received my credit report and disputed this item with the collection agency. I moved to Arizona on XX/XX/XXXX with my daughter ; however, there are medical bills with the date of service XX/XX/XXXX. My daughter who is still a minor has always resided with me ; therefore, I didn't understand why I would have received a bill for services for her in Wisconsin while living in AZ. When I contacted XXXX XXXX, they had a wrong address and phone number listed for me ( I've had the same number since XX/XX/XXXX ). They updated the information when I requested proof and they sent me statements informing that I needed to pay.
To sum in up apparently during computer and many other changes that the XXXX XXXX were implementing me dical bills fully covers by my then under XXXX XXXX XXXX son are now in collections and adding great stress and loss of living and vehicle purchasing needs.
Ive contacted XXXX  Experian and XXXX  several times dealing with this issue. I asked for each Bureau to do an internal investigation which takes only 3-5 days but it seem that the only thing that they all decided to do was send me a letter stating the inquiries were verified. There is no possible way any errors can be found as verified. I asked for validation and also any documents bearing my signature 30-60 days ago and there was no change to my credit and no documents sent to me but a bogus verified paper. Experian XXXX and XXXX   has blocked my credit file without my consent several times and used my credit profile to place errors on my credit file making it difficult for me to apply for a home loan. I mentioned this to the rep and she disregarded every word I said to her so now Im forced to take legal actions which I have filed a lawsuit against all three credit bureau and its in process. I have attached the inquiries that are reporting on my credit report as an error and I demand that the inquiries listed and the error addresses be removed by the weekend, if not Ill go back down to XXXX XXXX County Courthouse and file another lawsuit seeking {$10000.00} for damages. I was suppose to purchase a home but my credit file was locked and blocked from creditors seeing my score and information so I have to wait for a few months. Im just sick and tired of the bs and I will definitely make sure that all three bureaus receive this message.
Updating my previous complaint XXXX with American Express. 

I had left out a couple important details. 

1. American Express did not increase my interest rate until XX/XX/2018 however, these XXXX 's backed-dated the higher interest increase to my XX/XX/2018 statement. Trying to squeeze out every extra dollar they can. 

2. American Express also claimed my interest rate was increased due to a large returned payment in XX/XX/2018. This returned payment was part of a fraud claim I reported. In other words, that payment was not by me or from any of my accounts and AMEX own investigation came to the same conclusion as all charges and fees where credited back to me,.
if a person has a personal checking account with a bank and they write another person a personal check from that account and I go to that bank to cash that check that I do not have any account there can they charge you a fee to cash that check as high as {$8.00}.
I applied for and was approved for the Making Home Affordable Modification and was assigned a single point of contact. I madd mt trial payments as required andcwas told I had turned in all documents. I followed up on XXXX and was advised I was set on my plan and was good on my modification. I received a call XXXX XXXX advising I was removed from my modification due to not returning the signed trial document from XXXX which I was never informed of. This is poor communication and misinformation as I was given confirmation I had completed all required steps to compjete the trial. I was then told I was no longer eligible for MHA as it was no longer offered and I would have to restart the process. This is negligent and criminal in my opinion.
I received a call from a collections agency in XXXX XXXX NY area and they asked me to pay for an ambulance service back in XXXX. I have never been in an ambulance or received care at the emergency room in over 10 years.
I have XXXX accounts that are the same. Both XXXX accounts are the same and even have the same account numbers with XXXX different status. 
I have a XXXX account that is more than 10 years old and should be deleted.
Upon researching this debt, I 've discovered it 's a time-barred debt that I thought was removed from my debt years ago. This debt is from XXXX, according to the paperwork I acquired from the XXXX XXXX County courthouse, however, I believe this was originally from XXXX. This debt was unknown to me until I received a writ of garnishment from my employer. When I contacted the Vinci Law Office on XXXX XXXX, XXXX I was advised they could n't tell me when I was served court paperwork, and to go to the courthouse to obtain that information. On XXXX XXXX, XXXX I got the Affidavit of Service, which has false information. It says a substitute was served at my ( previous ) residence on XXXX XXXX, XXXX to XXXX XXXX as Sister and Resident. However, I was the only tenant at that address, and the only person I know close to that name is my ex-mother in law ( divorce final in XXXX ), whom has never been to that house, and is not my sister. Not only do I believe this to be a time-barred debt, but a FALSE Affidavit of Service was filed. Due to these unlawful debt collecting practices, I request this to be removed immediately.
My account is overdrawn because it has overdraft protection and a surprise renewal was processed when the account was overdrawn. When I asked chase to remove the overdraft protection I was told that it would not prevent checks and/or debit transactions from posting to the account when it is already overdrawn. Seriously, do n't I have more control over my own account than that? If my account is overdrawn I do NOT want anything else paid until I get the account back in the black.
I bought a washer dryer from a XXXX store on XXXX/XXXX/16. The washer was defective and flooded my cellar with water. On XXXX XXXX, 2016 the washer dryer was returned and a refund was promised within 2 days. Today XXXX XXXX XXXX, 2016 XXXX, I went into the store to demand my money. After 2 hours of waiting while they looked at their records, my XXXX debit card was swiped - once again an immediate refund was promised. 

When I arrived home I called my bank ( Chase ), as no credit appeared on my account. My bank will not help until a full 15 days have elapsed from the time of my complaint. So my bank ( Chase ) is participating in a scheme to hold over {$1000.00} for over a month for a product that was defective, damaged my house, and has been returned. They claim the 'XXXX rules ' demand this behavior. 

Imagine if I pulled into XXXX XXXX store and loaded up a washer a dryer and drove off with it without paying. Would I have 15 days to pay for it before I was XXXX? OF COURSE NOT! 

Start providing some 'justice for all ' instead of just cash holding for all your banker friends!
I am having significant trouble getting items on my TransUnion credit report removed and neither TransUnion or XXXX XXXX XXXX are providing me with verification of debt. In the past I have sent request for verification to XXXX XXXX XXXX but did not receive any responsive documents. Furthermore, these items have been disputed with TransUnion and TransUnion always waits four weeks then marks the information as " verified ''. However, I do not understand how TransUnion is verifying the disputed records if the data provider, XXXX XXXX XXXX, can not even provide me with proof of debt or respond to my debt verification inquiries. It may be worth nothing that other consumer reporting agencies and financial institutions have already acknowledged the records submitted by XXXX XXXX XXXX to be false. Indeed, XXXX XXXX XXXX have already been removed from other reports because the information could not be verified.
I am attempting to refinance my mortgage to payoff some debt. Title company and new mortgage broker have requested that CARRINGTON resolve lien on file related to prior mortgage company XXXX ( bankrupt ) which should have been resolved in XX/XX/2015 with my county. Requests make by phone and email. CARRINGTON not responding in a timely manner which has delayed my refinance now 39 days. This is jeopardizing my refinance process.
I applied for a refinance in XX/XX/2018. Started the process with a gentleman name XXXX XXXX. After several calls and days, XXXX calls me and said he needs to collect {$240.00} from me. I asked why and he said it was a good faith to make sure I was serious about moving forward and that I would get the money back at closing. I said that will be fine. 
About a week or so later an appraisal was done. The appraisal came in real low and was incorrect. Because of this XXXX XXXX from Quicken Loan said the original refinance agreement could not be met and I had to come out of pocket a lot of money in order to refinance. I told XXXX the appraisal was incorrect but he said they couldnt do anything about it. I told him that I wanted my money back since they could not proceed with what was agreed. XXXX XXXX told me he couldnt refund the money as that was used toward the appraisal and that XXXX XXXX was supposed to have collected {$500.00} from me as that was the cost of the appraisal. I told XXXX that XXXX told me that money was a good faith payment to make sure I was serious in proceeding but XXXX said that was incorrect. 
I have since gone to three other banks for the refinance. Two of the banks paid for the appraisal and told me that if the loan goes through I would pay it back at closing. 
Quicken Loan appraisal came in at {$110000.00} XXXX appraisal came in at {$130000.00} XXXX XXXX XXXX came in at {$140000.00} XXXX XXXX XXXX notified me up front that I would need to pay {$480.00} for the appraisal before proceeding. 
I should have been told by Quicken Loan that I needed to pay for the appraisal up front. If this was for the appraisal then I should have been told to pay {$500.00}. I dont understand why XXXX collected {$240.00} and said it was in good faith if it wasnt. The amounts do not equal up. I shouldnt be responsible to pay for an appraisal that was done incorrectly. After the fact I looked at the XXXX XXXX XXXX  ( XXXX ) and noticed many complaints for the same exact reason. They were told that the money was in good faith and then they kept it. This is a sneaky way of taking peoples money and Quicken Loan being such a huge mortgage company should not be treating potential customers like this. 
I have since refinanced my home with another bank that treated me great with no money out of pocket. If anything, I received money from my refinance. I am looking to collect my {$240.00} back from Quicken Loans.
My friend sent me XXXX dollars via XXXX. The funds are being held for three days. It is supposed to be available immediately. I'm stranded with no money and once again this terrible bank has caused me trouble.
I opened a CD on XXXX/XXXX/XXXX, with SUNTRUST BANK, the account n number was XXXX. I renewed this CD year after year, the last time I received the XXXX and annual statement was on XXXX/XXXX/XXXX, the balance at that time was {$35000.00}. Since that date year after year I have been trying to get my money back. The answer from Suntrust Bank is " no you never had this CD there is nothing here. Can you please help me find my CD? Thank you.
Date of purchase, XX/XX/XXXX Date of return of defective itemXX/XX/XXXX{$62.00} interest fees charged This was a purchase at XXXX where there was a screw missing. One was not sent, item returned. This is how XXXX XXXX issuer of XXXXr cc gets their money.
My name is XXXX XXXX XXXX I been banking with your bank since XXXX. I had over half a million dollar in my account. I visited the XXXX office to do a transaction in XXXX XXXX. The banker took a copy of my green card and my social security office which I never understood the reason why she asked for them. Few days After I received a phone call from one of your an unethical banker from the XXXX office to apply for a credit card. I informed the unethical banker that I dont have a need to have a credit card. She informed to please get the card so she can meet her goals. I agreed to apply for regular credit card not secure card. Shortly after, I noticed a withdraw for {$5000.00} from my account. I immediately called the bank and said they applied for a secure credit card. I informed her I never agreed for the secure card. She apologized and asked me to keep the card. I never received my Wells Fargo credit card. I dont reside in the states and dont understand their system. On our last trip to USA I discovered that I am on bad credit when I applied for my son for student loan to go to XXXX XXXX. The banker asked me to pay for the card to not get my credit report damage further and instructed to file a fraud claim. I filed a fraud claim and police report over a month and half ago. No solutions been accomplished yet. I would like to bring to your attention that we were out of the country during the whole period of the card being used. Please find attached a copy of our passports and tickets. The attached documents prove that we spent from XXXX XXXX to XXXXXX/XX/XXXX in the USA. Our next trip to USA was from XX/XX/XXXX tillXX/XX/XXXXXXXX. 
My Social Security Number is XXXX. My husband by name of XXXX XXXX XXXX XXXX also encountered the same fraud from the same banker and bank on the same day. His claim was approved and my claim was declined. 

XXXX, the times we spent in USA throughout our lives were as follows ( as proved by the documents ) Mon XXXX XXXX XXXX Till Fri XXXX XXXX XXXX XXXX XXXX XXXX till XXXX XXXX XXXX XXXX XXXX XXXX till XXXX XXXX XXXX XXXX XXXX XXXX till XXXX XXXX XXXX XXXX XXXX XXXX till XXXX XXXX XXXX As you see from the pattern of our travel, we spend around15 days in the USA every 6 months
Navient keeps calling and sending letters and bills but I have paperwork that shows my bill paid I had a loan through XXXX. I provided this info to the credit bureau and they removed it from one but not the others and they continue to call.

I sent them a certified letter requesting information as to why they feel I owe them and requested that they no longer call my phone but they never replied.
There is ID theft and discrimination. The company is unknown. I would cope up with the steps and procedures which the cfpb is going to take as long as it is required. Protection of credit discrimination must not have worked like that anyway.
Family with similar names and SS that only changes by XXXX digits. I 've requested and submitted proof of legal name and SS card and letters to get my credit straight of the past 10 yrs. They just do a quick fix but in less than 3-6 months go back to square XXXX. It 's affecting me in job interviews, Car loan, mortgage loans and Credit card apps. Do to this commingled info I have to pay Higher IRR and I have a debt ratio so high that I ca n't afford to pay for loans in a fair market.
For well over 6 months, Bank of America has been attempting to fix a problem with the " Extra Security at Sign On '' feature ( 2 factor authentication ) that allows consumers to secure their bank accounts by receiving an access code by email or text in order to access the account. 

It doesn't work and when it's enabled I simply receive " We're sorry, but we're currently unable to complete your request. Please try again later '' and get locked out of my account and unable to access anything until I call BofA and get a customer service person to generate a code and disable the defective feature. 

There is an open case with technical support.
We XXXX and XXXX XXXX are going through a very difficult time financially. We already had a Chapter XXXX dismissed and do not wish to lose our home. Our ages are XXXX at XXXX and XXXX at XXXX. However, we do have equity in our home and desire to apply for a modification at this time. My email is attached to this request where the financial institution can email a modification application. Once we get started in the modification, we will get into the medical problems we deal with and how this was a big part of our current hardship. Accordingly, we hope that a modification can start immediately and we can prove how we can get current within the negotiated settlement on modification.
I work for the XXXX XXXX XXXX a qualifying non profit through FEDLOAN forgiveness. I have been making payements for 2 years and 6 months. I have learned that non of my payments have qualified. I set it up through them for income based payment, and direct debit through them for the payment. So this year, they have taken my yearly job certification and they have ignored it. They say my current payment is {$910.00} a month. I called and resubmitted the paperwork and the associate said it would be corrected and apologized. Now our billing statement has come out and again asking for {$910.00}. Also, all my uploaded documents have been removed from the " upload history '' on the website. So I faxed over the docs this year since they said they could n't locate the docs I uploaded. <P/>I do n't know what to do since I have done everything to try to fix this and too have all my previous payments go to waste it 's a little defeating. I hope that reporting this will help move the dial into fixing this.
On my credit report, my federal student loan serviced by Navient shows delinquent payments. During this time my loans were in forbearance. Navient sent emails to me asking if I wanted to place my account in forbearance with the directions of " simply reply yes to this email '' and that's what I did. XX/XX/XXXX and XX/XX/XXXX should not show 90 and 120 day late payments because the forbearance was in place.
I am a mortgage customer of Wells Fargo Mortgage. My mortgage was " modified '' in XX/XX/XXXX. When I received my first payment coupon I noticed an amount of {$7800.00} listed as " Unpaid XXXX principal balance. '' I have requested a disclosure statement which would detail what constituted an unpaid principal balance several times from Wells Fargo over the past three years to no avail. My most recent inquiry on XXXX/XXXX/XXXX with a customer service rep named XXXX XXXX resulted in a pledge from XXXX XXXX to e-mail me a loan document which would itemize the charges making up the unpaid principal balance within 24 hours. I have yet to receive the document which is the same result I 've encountered over the past three years reflecting egregious and repeated behavior by the mortgage department. Any closing document, including a loan modification, is required by law to itemize each charge to the borrower. The fact that Wells Fargo Mortgage has continually failed to produce details on this charge leads me to conclude that the unpaid principal amount may have been for late fees, attorney fees and other charges which should have been waived under the Government 's borrower modification programs which the Bank may have used in my modification. Additionally, they may have used my loan as proof of their requirement under the omnibus settlement with the Federal Government to rectify past mortgage abuses. In any event, my complaint is being filed to force Wells Fargo to " itemize '' the amounts used to create this unpaid principal balance so that I may know upon sale of the home what may be legally deductible or not. At the very least their continuing failure to disclose clearly may be unlawful. Thank You. My loan number with Wells Fargo Mortgage is : XXXX
The online credit report at XXXX states " XXXX steps to your free credit reports ''. Its is not true, these steps dont work and havent worked for over a year as far as I can tell. After you fill in all the info about yourself they tell you that you must write them. When you write them they tell you some information is missing and you do n't get your free credit report. Why do they falsely tell you its an online credit reporting system when it is not. I got an alert regarding my credit and dont think I have time to wait for all this unnecessary delay. Its obvious, they want to stop doing this by putting these roadblocks in front of people. When is something going to be done about these crooks? I know that Im not the only one this is happening to.
Approximately two weeks ago, XXXX from Bonneville Collections XXXX XXXX office contacted me regarding medical collections. Without seeing anything in writing, I was hesitant to give her my payment information ( at the time she said it was approximately {$35.00} ). She stated a letter was already mailed to me. That may be, but I did n't have it in front of me or remember receiving it and asked it be sent out again. She refused saying it had already been done. She proceeded to raise her voice and talk over me and I requested again that the information be sent to me in writing and to not contact me by phone again. Today, X/X/2017, XXXX called me again, using my employer 's phone number, again requesting payment. This time for an amount exceeding {$1000.00}. I never received anything in the mail from Bonneville Collections after requesting it and was certainly confused as to how the amount could have changed so much without any new information being provided to me. So not only did she not comply with my request for written notification but she called me again using my employer 's phone number.
For more than seventeen months, I been trying to obtain a loan mod with my current service Bayview mortgage, I explained and documented my hardship, however, servicer never works with me to find any reasonable solution. Recently my last submission was denied and servicer stated that was no loan mod possible to reduce my current mortgage payment. My intention since almost the beginning was to obtain assistance to bring my mortgage current, and NOT to reduce my mortgage payment ; I insisted on this particular point several times but looks that never it was considered by my servicer. 
My investor is XXXX XXXX, my case was submitted using XXXX XXXX XXXX for accuracy.
My wife and i took out a pay day loan with Check and Go on  XXXX   XXXX   XXXX  we have been paying this account for months and months, we have been getting threatening phone calls from the number  XXXX  she is now saying that if we do not pay the amount owed they will issue a warrant for my arrest.   They will not send anything in writing to try and set up a payment plan with them. they only want us to pay up front, not even sure if this is a legitimate company. And now they are calling our work number constantly. Even after being told not to call our job.   We need help on this.   We have also contacted Check and Go but they said that this account has been sold and they no longer have anything to do with the account.       Thank you and have a wonderful day.
My initial student loan was financed by Navient in 1995. Since then I was approved for student loan forgiveness and the loan through Navient was paid in full and transferred to XXXX. Navient sent me a document thanking me for my business and documented that that loan is paid in full with a XXXX balance and paid as agreed, I have that document. At current Navient is reporting a late payment from back in 1995? That makes that unethical reporting 21 years ago? Please help me as I am actively attempting to rebuild my credit.