WillisBack/dataset-financial-user-claim huggingface dataset:
Regarding : Unable to open a savings account with XXXX by Goldman Sachs On XX/XX/XXXX I attempted to open a savings account with XXXX online on XXXX. After filling in my personal details the web application failed to pull my personal / credit information from the records and it was declined. 

On XX/XX/XXXX I called XXXX customer service, citing the application number. I was told to try reapplying online. I did what was suggested, trying to apply twice with a slight variation of my apartment number ( both are correct ). Both application were declined. I called customer service on the same day and was told to apply by phone after 24 hours. 

I called customer service again on XX/XX/XXXX and after citing the application number I was told I would be unable to open an account. The customer service rep refused to specify a reason. I escalated to the supervisor, who again refused to state a reason and declined to provide an escalation path.
After over ten years of having my cellular phone service with XXXX, I ended the service with them XX/XX/2014 via landline phone. My account had a XXXX balance when I closed it. I kept my phone number and signed up with XXXX. XXXX did not close my account but instead charged me a " re-connect '' fee as well as an additional month of service. I have called them numerous times to dispute their unethical conduct, waited on " hold '' for over 20 minutes on some calls, all to no avail. It appears they outsource their service calls and ironically, there is a complete lack of communication. Since their recording says that the conversations will be recorded for " training purposes '', I have requested they review their recordings of our conversations as it would reveal that I have indeed requested the closure of the account when it had a XXXX balance. I had the collection removed from my credit report, only to find that the " collection '' has been sold to another agency and it is on my credit report once again. Although it is only {$120.00} it is the principle of the matter. I do not owe XXXX anything, but it is difficult to fight against this giant as a simple everyday consumer.
Re : XXXX XXXX XXXX, Property : XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX. 

I entered into a modification " Making Home Affordable '' under the HAMP program for my home mortgage in XX/XX/XXXX. At this time, part of the incentive ( contract ) is that my mortgage is to remain at 2.125 % for the first XXXX years. On the interest piece, DiTech is complying, however, along with this stipulation, I am to receive a {$100.00} credit per month to be applied to the principal ( or {$5000.00} ) at the end of XXXX years, so long as mortgage payments are received on or before the XXXX of each month. These accruals stopped appearing on my monthly mortgage statement as of XXXX XXXX. The last accrual of {$83.00} appeared in XXXX XXXX ( which was incorrect ). 
I just called into DiTech today, XXXX/XXXX/XXXX and this " Accrual Incentive Balance '' is nowhere to be found. 
Please help!!
I have disputed with Experian and XXXX the reporting of late payments from XXXX XXXX XXXX. They are reporting me that I had late payments and I never did. They continue to say that their investigation is accurate. However, XXXX investigated and deleted the account as it was not accurate. I have sent to XXXX and Experian letters including a response from XXXX company to my request of records reflecting such late payments and they denied to produce record. That is a violation of XXXX and credit bureaus must remove negative information when the furnisher is in violation of FACTA. This letter was forwarded to XXXX and Experian and they still do not remove the negative and inacurrate information. I request that this be removed immediately as it is depriving me from obtaining a home loan.
I had a vehicle financed with  Wells Fargo Dealer Services. At one point my loan was issued to a particular Wells fargo account manager. During the time this employee managed my account, he would constantly harass and call my husband and I, yell, scream, make insulting comments about our financial ability to pay for the car, and was overall verbally abusive. I came to the point where I did not answer phone calls from Wells Fargo because I refused to be subjected to this type of abuse at the hands of a major financial companies employee. I filed several complaints with the Wells Fargo Dealer Services Office of the President.  Nothing was resolved. Towards the end of  XXXX ,  Wells Fargo added a {$200.00} insurance charge to the monthly payment claiming I did not have insurance on the vehicle. I was   XXXX   XXXX   out of state and was not aware of the additional charge tagged on ; however, we continued to make the normal monthly payments. The paid additional surcharge was calculated as nonpayment. The account manager  put the car up for repression in  XXXX   XXXX . As a result, my husband and I immediately redeemed the vehicle and prevented the repression by refinancing the loan with a different financial servicer,  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX . The car was redeemed, the  Wells Fargo loan was paid in full, and I kept the vehicle. I filed appropriate complaints with Wells Fargo Office of the President and other agencies. Again, nothing was resolved.       Wells Fargo Dealer Services reported the redemption as a repression to a consumer credit agency. The account is still incorrectly reported as a repression rather than a redemption with the account paid in full and closed. I have contacted both the credit agency and Wells Fargo Dealer Svs. to  have the inaccurate report removed. I confirmed with  a Wells Fargo customer service agent that the account states the loan was paid in full, transferred to a different financial institution, and closed. Nonetheless, the account was incorrectly reported as a repossession. I am having a difficult time correcting the matter with Wells Fargo and on my credit report. Apparently, there is no one in the dispute resolution department that I can speak to verbally to confirm the information. After being subjected to unlawful emotional and verbal abuse as a paying customer, I am still enduring financial harm due to the inaccurate report to the credit bureau. This is a mistake on the part of Wells Fargo, yet I am having to spend an inordinate amount of time contacting the financi al institutions, issuing paperwork, and documenting all the communication. I fear  Wells Fargo will continue to provide incorrect information and subject me to financial  and professional harm.
I have reviewed my credit reports and reviewed the Statute of Limitations on Debt, for the State of Virginia, and I believe debts from Capital One and XXXX XXXX XXXX can not publish balances due, after 3 years of debt. 

In this matter, I have been without permanent job and I have not been able to pay my debts. And as of this Statutes, I believe balances due must be erased from my credit reports.
I purchased my home in XXXX due to my mother getting older she moved in to our home. In XXXX I wanted to refinance my home and it was then that XXXX of XXXX offer us a reverse mortgage for I was using my mothers income .. I had no idea of how the program really worked. I was concern that there was no payment and that we had not received any money in our hands. However, there is no mortgage payment and my mother passes on in XXXX. 
I sign all the paper work at the table closing with my attorney and the bank attorney. 
It is my understanding that I am on the note and the deed. I had hire an attorney to guide me to no success. I am told my house is in foreclosure and there is a sale day. Please help me find out what is going on with my house. My mortgage was served originally by XXXX XXXX When XXXX closed down Financial Freedom took over. I have XXXX children. I am a single parent trying t safe my home. My children are working now trying to help me to keep our home. My FH case # is XXXX My Lender account # is XXXX
When I was notified by   XXXX   XXXX   which purchased the account from   XXXX   XXXX   that I had a voluntary auto repossession account with them, I disputed this account. Then I notified the  XXXX  credit bureaus once the company was unable to prove that this account was mine, but they refuse to remove it from my credit reports.
I sent in payment on XX/XX/XXXX its now XXXX XXXX on XX/XX/XXXXand nothing has processed for the payment sent in to pay in full a loan XXXX balance off of just under {$950.00}, that I sent in payment of {$950.00}.
I was late making a payment one month on my JCPenney credit card. I was charged a late fee of {$34.00}. I made the payment due a couple days after the due date, and then made the next regularly scheduled payment on time. I was again charged a late fee, however, because rather than add the late fee to the total balance, Synchrony Bank added the late fee to the minimum payment due, in effect doubling or tripling the minimum payment amount that is usually due. I contacted JCP and talked to a rep or XXXX on the phone for over an hour. I said I could not pay the late fee on top of the min payment due and they should add it to the total balance. Instead, I was charged another late fee, despite making the payment on time. I ended up getting disconnected after over an hour of waiting on the phone with them. This is unfair. I made one late payment in years and was charged XXXX late fees, despite making only one late payment. The late fee should not be demanded along with the minimum payment due. I did get the late fees refunded to me, however, the practice of adding the late fee to the min payment due is what I am disputing. It took over an hour of my time to resolve an issue that should have never occurred.
My son, whom is XXXX, started attending XXXX College in XXXX XXXX, Minnesota. He was told he could not attend college unless he had a cosigner. So I cosigned the loan for him. This was after he had a few Federal loans first. After that he was harassed by a student and the other student was released from their school. XXXX has always had illnesses due to his XXXX XXXX of his XXXX. XXXX got ill, and the school asked XXXX to quit because he was n't there enough to graduate from the program. This course was for computer game design and I 'm sure they could have made an exception for XXXX and give him homework for his course. Anyway, after he quit his payments were due right away because he was n't in school anymore. We are paying {$230.00} a month, which has gone up {$3.00} recently. The problem is we filed for a loan forgiveness, total forgiveness, because XXXX can not afford all the loans being paid at the same time. So when XXXX  received a letter from Navient stating that he stop paying until further notice-he did so. ( He has Federal and a Private Loan. ) Now our complaint-His bank account started missing {$200.00} more a month. They took his payment out without a notice nor his permission. I had written a letter to the Dept. of Education last year and recieved no response either.
The letter follows ; XXXX/XXXX/2016 XXXX XXXX. account # XXXX Department of Education, My name is XXXX XXXX I am the mother of XXXX XXXX. who is applying for a Federal Student Loan XXXX Discharge. I am also including the form to be his representative. I normally do n't get involved, but I feel it 's up to me to convey some of XXXX 's XXXX and the problems with getting a Dr. to fill out your form.
XXXX was born with XXXX XXXX XXXX, a dibilitating condition of under XXXX XXXX and XXXX with XXXX XXXX because of the XXXX. He has been XXXX XXXX since age XXXX when he finally had gotten his first XXXX XXXX. The reason his Dr. wo n't fill out the form is that it is a policy of XXXX Clinic in XXXX, Mn. that they do n't get involved with such matters as this. So I am proposing that you suggest a Dr. in XXXX who can perform a physical on XXXX and be able to get his records from XXXX to give you the documentation you need for your decision.
Thank you for your time.
Sincerely, XXXX XXXX XXXX XXXX 's only income is his XXXX ( XXXX ) check. {$930.00} a month.
This debt was taken off my XXXX credit report, because it was a falsely reported item that was in another persons name. I had to hire an attorney to do so. During the process to acquire a mortgage, I noticed that the debt had not been deleted off of XXXX or XXXX. I called Data Line Credit Corp, to request a deletion letter. A man who answered the phone, once he had my account number, proceeded to tell me that he never deleted the debt, and if i thought that was happening, I should " shut my XXXX mouth and try too live my life right, because he was going to sue the XXXX out of my XXXX and I would not have " a dime to jingle '' after he '' took my XXXX XXXX nickels that I had to rub together. '' I calmly stated that I just wanted another letter of deletion, as he had already provided XXXX to the credit bureau, at which point he shouted " you can not record me XXXX and hung up.
I was attempting to settle a debt on a credit card with Commerce bank through XXXX XXXX. I submitted a settlement on the account when contacting them to check on the settlement I was then notified of a {$25.00} demand check card that is owed. I have all of my previous cards from Commerce none matching the numbers provided. And Iv been with XXXX XXXX since leaving Commerce in XXXX 2015. The dates do n't match up, and neither does the card numbers. And this was never mentioned previously to me. They could provide no transaction records or any other information to me. The lady I spoke to said she was n't aware of this account previously. And they will not allow me to settle the credit card debt without this being resolved.
I would like to dispute the validity of Barclays Bank Delaware, Account number XXXX.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. CFPB step and remove the alleged accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
I took out a 5-Year CD for {$250000.00} on XX/XX/XXXX with E-Loan ( now XXXX XXXX ) XXXX  located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. I was able to get online and see my account for three months then they locked me out. I called a number of times trying to get back into my account and got no help. On XX/XX/XXXX I was told that the new name was Popular Direct and that my account had been closed in XX/XX/XXXX and that they could not tell me where my money was or who had closed my account. I tried the email address I was given and it says " FRAUD ALERT ''. They have also changed their telephone number. I did receive my Tax form XXXX for year XX/XX/XXXX but not for years XX/XX/XXXX or XX/XX/XXXX. I have several screen shots where I set up my account. I am XXXX years old and this is my retirement money and I am getting very nervous.
I accepted a settlement offer to make 12 consecutive payments of {$49.00} to settle my debt. It was agreed I would send in a money order by the XX/XX/XXXXof each month. I made a payment each month beginning XX/XX/XXXX. XX/XX/XXXX payment was shown delivered at XXXX XXXX on XXXX XXXX. The company states they terminated my agreement because the payment did not post to the account until the XXXX. I  have all documentation and yet the company will not honor the agreement.
XXXX continues to report incorrect credit information which negatively impacts my ability to obtain credit, rent an apartment of buy a home. XXXX indicates they rely upon XXXX XXXX and Experian Credit reports to verify the information they are reporting. 
XXXX XXXX responded in writing indicating the following accounts are not on my XXXX XXXX Account and not being reported. Experian has not responded. I am attaching ( 4 ) XXXX provided by XXXX ( Cancellation of Debt ). XXXX admits knowledge of my insolvency. Based on the attached, none of the credit bureaus or XXXX have a legal right to continue misreporting this information. XXXX abandoned all claim and cancelled the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, XXXX XXXX or Experian, perhaps all are working in concert to deliberately suppress my credit score by reporting false information.
At Chase Bank, these transactions had gone through by the end of day XXXX/XXXX/XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX {$100.00} At the end of the day, my balance was {$2.00}. Here comes a check for {$180.00} XXXX/XXXX/XXXX. Chase Bank manipulated my transactions ALL the 3 items that cleared now were charged insufficient fees {$34.00} each ( {$100.00} ), clearly, the bank is stealing from me the customer. I called them and pointed out the issue but Chase representative did not adhere to my complaint.
My actual issue was not listed above, however what happened was that I was sending small payments to Florida XXXX. That was n't good enough for them so they turned my account over to XXXX XXXX XXXX XXXX. When I finally sent written communication to XXXX attempting to have them contact the hospital on my behalf to find out if the hospital was willing to do a " professional courtesy '' or negotiate a payment, XXXX completely ignored my request/attempt at communication to resolve the debt through them. I received no answer to my letter whatsoever after requesting the above. The next thing I know. I find that XXXX has now turned my account over to an ATTORNEY, Kevin B. Wilson Law Offices in XXXX, TN, acting as a debt collector on their ( XXXX ' ) behalf. XXXX DID NOT INFORM ME that they would be turning my account over to an attorney for collection even though I tried to get them to answer my letter regarding negotiating payment. Now I 'm expected to pay this attorney {$880.00} on TOP of my existing debt when it would have otherwise been avoided should XXXX had treated me FAIRLY and not abused me in this way by denying to respond to my communication. The attorney 's letter states, " Contractual attorney fees, as provided for in your agreement with our client, have been added to the amount owed on this account. '' Well, in NO way, shape or form was I made aware of any agreement that stated such and it is not provided on the copy of the original statement of debt from XXXX. I was treated unfairly and feel I am a victim of their oppression where otherwise their cooperation with my attempts at communication would have prevented these additional costs to me, which I feel I legally should not have to pay because I was NOT told about them and have not been previously provided a copy of such " agreement. " Here is a copy of that statute regarding unfair treatment and oppression. 
" XXXX. Harassment or abuse [ 15 USC 1692d ] A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ... '' When XXXX refused to assist me by not answering my written communication attempting to resolve my debt, THAT IS oppression and unfair to me. 
On the back of XXXX XXXX XXXX XXXX ' statement, they have printed their policy, if you will, as follows : " Our staff is trained to provide a high level of professional assistance to consumers and we expect each person to be treated with dignity and respect. '' Unfortunately, that is not the way I was treated at all. Please do something about this. I am so stressed out that I ca n't think of anything else but the extra money these people have cost me!
This is a complaint against Pentagon Federal Credit Union my member # XXXX. A check number # XXXX in the amount {$980.00} was cashed XX/XX/XXXX. On review of my bank statement for taxes recently after recovering from my ill health I do not know who wrote the check and who cashed it.The line says Usda XXXX. This is the same line that is seen when the bank charges a fee Pentagon says cjheck was transmitted to them electronically and they cashed it they do not have a copy of it. Initially Pentagon said that it is not Pentagon 's policy to verify electronic transaction unless the consumer alerts them anything that comes through they just cash it. I question that if anyone having access to my account information can write checks electronically and they get cashed. Pentagon now allege they had two years to inquire and the time has passed so they can not inquire any further from the other institution. They allege it could be department of agriculture so I write to department of agriculture and inquire from them as they are not responsible for the check that was cashed since it came electronically. I have nothing to do with department of agriculture they provide no documentation of their inquiry either There is a check number to this transaction and so they should have had a copy i did not authorize an electronic transaction. I need them to give me my money as this was not an authorized transaction or Pentagon provide proof that the check was written by me. Two weeks ago I had spoken to the following XXXX XXXX XXXX ext XXXX, I spoke on XX/XX/XXXX XXXX XXXX ext XXXX and her assistant XXXX ext XXXX as XXXX has not answered my messages. XXXX and XXXX have tried to block information and were non cooperative. XXXX was cooperative first now she has disappeared and does not return my calls XXXX XXXX XXXX XXXXXXXXXXXX
There is an address listed on my credit report that I have never lived at. The address is:XXXX XXXX XXXX. 
XXXX, NY XXXX
Government shutdown responses via the following two websites are allowing Federal Student Aid, FTC, US Department of Education, XXXX, and various collection agencies to sidestep their fraud. Reliant Capital Solutions , LLC and various other collection agencies tampered with an original letter issued by US Department of Education and promissory notes in effort to gain monetarily in an illegal manner. Individuals took records out of a XX/XX/XXXX Bankruptcy proceeding and abused it.

XXXX XXXX XXXX ( trustee ) was contacted in XX/XX/XXXX regarding the Bankruptcy records on this issue. The complainant was told that the record had been gone for many years ; thus, even more reason to believe that collection agencies and US Department of Education and their affiliated collection agencies - whom remain unresponsive ; are intentionally causing financial damage to cover up their identity theft and fraud.

Collection agencies can not make decisions on their own on student loan debts and neither can US Department of Education. There is no such thing as an informal review when tax refund offset is involved, it is a financial process. We do not have wage garnishment related to student loans in this country. You can't even do what you are doing without notifying students.
I had an account with XXXX in XX/XX/2010-XX/XX/2011. My contract ended and the equipment was turned into the third party contractor that sold me service. XXXX stated that they never received the equipment, which I dispute. The third party contractor no longer works for XXXX so there is no record to reference. This is XXXX XXXX issue but they had SW Credit Systems L.P. add a debt to my credit report in the amount of XXXX dollars, which I deem fraudulent. I've contacted SW numerous times and disputed the item through all three credit bureaus, when able.
This credit reporting error has been removed from my credit report previously. The issue has now resurfaced and has been added back to my credit report. It is against the guidelines outlined in the FCRA for companies to remove invalid accounts and reage/ readd to their liking. This error needs to be removed from my credit report immediately.