WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX I Went to XXXX XXXX for XXXX and a XXXX. I was billed {$3000.00} thru XXXX XXXX. I went through XXXX XXXX to pay for my teeth. XX/XX/XXXX I picked up my teeth. My first payment with XXXX XXXX was XX/XX/XXXX. They Charged me {$3000.00} included in that charge was a {$30.00} charge, don't know what that charge was for, then they charged me on my very first statement {$8.00} Interest. I knew right then I did not want to do business with them. I wrote them a check XX/XX/XXXX for {$2700.00} that paid my portion in full. XXXX XXXX owed me 10 % for a Senior Discount that I had to ask for. I ask XXXX XXXX if they paid XXXX XXXX the {$300.00} for the discount. I found out they had credited my account at XXXX. I told them I didn't owe them anything that it should go to XXXX XXXX. They sent XXXX XXXX a check on XX/XX/XXXX {$300.00}. That should have paid the account in full. I continue to be billed from XXXX XXXX, Finance charges, Late fees, and Interest charges. Each month they add more Finance charges, Late fees and Interest charges. XX/XX/XXXX they show me owing {$330.00}.
This XXXX on Thursday, XXXX XXXX 2017, I asked XXXX XXXX XXXX for my check cash which was a little over {$5.00} & she told me that she could not cash my check cuz I had XXXX cents balance on my checking account. Then she showed me that the check was from different Bank company, not Suntrust Bank. I told her so. I had checks cashed several times with small amount of balances on my checking account before. What is more, I will have direct deposit on every 3rd of each month. Also, I informed her that I was XXXX. She would not write to communicate with me being XXXX I even begged her PLEASE write me. That was 3 times to tell her please write on my writing note in nice way. She refused to write to communicate with me being XXXX That is against ADA law to refuse accommodating by writing on paper & pen to XXXX XXXX XXXX customers. She broke ADA laws by refusing to XXXX XXXX XXXX on paper & pen with me being XXXX
The first date of delinquency with omni financial is XX/XX/XXXX and not XX/XX/XXXX. I spoke with omni financial supervisor XXXX XXXX about the inaccurate reporting on my credit report. He agreed that the date of first delinquency is wrong in that it was nothing he do about it. I have supporting evidence and payment history in according to the Fair Credit Reporting act correct reporting is the law.
I currently have a student loan account with the lender Sallie Mae in the amount of approximately {$27000.00}. Since my loans have come due, I have made timely and consistent payments on my account and have kept my account current and in good standing. 
I have contacted their customer service department multiple times in an attempt to gather information as to what repayment options are available to me in the event that my employment status changes or my income significantly changes, causing me to no longer have the ability to afford my current minimum monthly payments. I have been told by multiple representatives, including my loan supervisor, that while my account is current the only option they can discuss with me is the option of a hardship forbearance. I have explained that I would like to avoid this option, and have requested information regarding any other options which may exist, but have been told that until my account is past due or defaulted upon they will not disclose information pertaining to any other options available. They have indicated that were my account to become past due or defaulted upon, their collections department would contact me to discuss available options for adjusted repayment, but so long as my account is current they will not. The explanation I received as to why no further information could be provided was that providing such an explanation may motivate customers to purposefully default on their loans to take advantage of these repayment options. 
As a customer in good standing attempting to take a proactive approach to my loans in a time of uncertainty with regard to my employment and income, it seems rather counter-intuitive that I can not receive information regarding my repayment options until I am in default, because providing me with the information they are withholding may cause me to purposefully default on my loans. It seems that the only way to obtain the information I seek is to do exactly what the lender is supposedly trying to prevent, and allow my loans to become past due. I would really like to avoid any delinquency on my account, which is what spurred my contacting Sallie Mae regarding this situation in the first place, however it appears that their repayment system is designed to reward borrowers who fall delinquent and punish those borrowers who find themselves in uncertain circumstances who yet wish to remain proactive in their repayment with a lack of information and a firewall of bureaucracy and policy.
I notified TransUnion, XXXX, and XXXX of unauthorized inquiries on my credit report. Since the creditors didn't have me authorization, written nor verbal. I ask the credit reporting agencies to immediately delete the inquires. I previously requested the creditors delete the inquires also, and was denied.
After Hurricane Maria passed through Puerto Rico, all financial institutions offered a three-month moratorium on their different loans. In addition, it was reported that no surcharges would be charged during this period and that arrears would not be reported to credit agencies. 

In my case I did the whole process as indicated by the financial institution and after several weeks they called me and informed me that the moratorium on my mortgage loan was approved and they gave me a date to present me with some documents to sign the agreement. This appointment was canceled until further notice. 

Meanwhile, I am in negotiations with another financial institution to obtain a personal loan which I can not obtain due to the low in my empirical. So, I request a report from the credit agencies and it is there that I realize that I have registered three months behind on my mortgage loan. Since then I have tried to resolve the situation with the XXXX XXXX XXXX and XXXX XXXX without any success.
I WENT ON XX/XX/2016 TO THE ATM MACHINE IN XXXX TX AND I RECIEVE FROM SOCIAL SECURITY {$750.00} A MONTH THE ATM LET ME DO ONE TRANACTION ON MY CARD WHICH COST ME {$300.00} I TRIED TO DO ANOTHER TRANACTION ON MY CARD AND THE ATM DENIED THE TRANSACTION WHEN I GOT HOME I CHECKED MY CARD AGAIN ALL I HAD ON IT WAS {$150.00} LEFT ON MY CARD. WHEN IT SHOULD HAVE BEEN CLOSE TO {$300.00} LEFT OVER FOR A TOTAL OF {$450.00}. ALL I WANT IS THE REST OF MY MONEY FROM DIRECT EXPRESS.
I have applied for a PenFed mortgage the beginning of XXXX 2015. I have sent all information requested, XXXX times. Had a settlement date and time ( was about there ) my attorney called saying it was cancelled, they did not approve me. Found out they wanted same info again that I sent. I have been patient, but now I was threatened they would terminate my loan application if I do not respond within the next business day with info I gave them and my CPA, he said the papers were sent before. Going on 6 months, they will not talk by phone, only e-mail. Claiming they lost my PERSONAL tax papers!! I feel they are drawing this process out to get me to stop the process and give me a hefty bill.
transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been greatly affected and my score is suffering as a result. No notice was ever given which is also a violation and i am requesting that ALL inquires be removed.
I contacted Equifax several times on XX/XX/XXXX I told them I was a victim of identity theft and I have 3 unauthorized inquiries from XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they did not remove the inquiries.
A judgment was filed against me by an attorney on behalf of XXXX XXXX in XXXX. In XX/XX/XXXX, the judgment was declared satisfied due to the judgment not being revived within the statute of limitations. In XX/XX/XXXX, I received a letter from the same attorney demanding payment.
Credit Bureaus told me that XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX have verified that the current status is correct. However this is not the case. Simply providing me with a computer generated document is no enough proof that I was late. I request for a copy of my payments to verify what they say is indeed correct but they did not provide it. CFPB please reverse the late payments on XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX
Penn Credit continues to call not only my cell phone BUT also my work Phone several times a day. I have asked them to stop and they still continue! 

I have nothing owed as I have had attorneys who have worked with two companies in that past yet random dept collectors still try to call for the same thing that has been taken care of 2 years ago! 

This needs to stop!
I have reported fraudulent activity on my credit report several time due to online shopping and lost and stolen wallets with social security cards Maryland state identification cards in them. All three credit reporting agencies have agreed to contact me at by number provided to them before my credit is ran, however, XXXX continue to find unauthorized inquiries in large numbers reflecting on my credit report this is a great concern to me as a consumer as it gives me the impression that the reporting agencies have no regard for the protection of the consumers they are reporting on as of XXXX XXXX, XXXX, none but 3 inquiries are accurate on all three of my reports to resolve this problem I would like all three reporting agencies to remove these errors at once to ensure im receiving fair reporting as I have been affected many times before by such inaccurate reporting.
on XX/XX/XXXX, i lost my husband. i waited and waited for retroactive spousal payments from Department of Veterans Affairs. 
I looked up my Ebenefits page under Department of Veterans Affairs, it showed that my payment was deposited into an fraudulent account at Wells Fargo Bank on XX/XX/XXXX.  the only account I have with WFB is my mortgage. i went into the XXXX, DE location and all I got was questions from CSR " are you sure this not your account '' 'could you have gave a wrong account number? '' Only thing was done, was that it was proven as an fraudulent account and the deposit was done with a check/trace mode on XX/XX/XXXX. this account could not be found anywhere. 

after almost 3 years and still the grief, XXXX, and XXXX is still fresh like as if it was in 2015. Have never received anymore from this bank. 

Department of Veterans affairs resubmitted me a payment. But clearly when I signed papers at the VA my Deposit was to go to XXXX. I would like to be compensated for this situation ... not out of the other class action suit this is more than what is going on with the class action suits. until i read about these class action suits, i wasn't even interested until I remembered what had happened to me and I consulted with a lawyer. who advised me to file this complaint.
The phone number provided on my statements from Key Bank are not accurate. I have to call every month to make my payments, and the number provided of XXXX is not a valid phone to reach them. When I call that number it says that this number is no longer in service and I am provided another number to call. I call that number, I have to provide my information and then I am transferred to another party where I am again asked the same information. I have provided them images of the incorrect statements and the number still remains to be incorrect on the monthly statements. This makes it extremely difficult to pay my loans in a timely fashion if the information being provided by the company to make payments is inaccurate.
Request credit reporting agencies to verify/validate items by disclosure of documents and method for accounts being placed to my credit - according to 611 ( a ) ( 7 ), 609 ( a ) ( 1 ) ( A ) & 611a ( 1 ) ( A ). These steps are required by them to ensure it is correct prior to placement to my file or delete the unverified accounts after 30 days of investigation per 611 ( a ) ( 5 ) ( A ), ( first letter dated 6/16/18, 2nd letter sent 7/18/18 ). Response ( s ) have been no response, updated, meet FCRA, and account closed, but still remain on my file without any documentation being provided as to the validation of any of the accounts being there. I have been requested by the CRA to provide information to them, ( assuming to verify/validate ) under 1681 ( a ) ( 3 ) it is the vital responsibility of the CRA to ensure the information is correct by the providing source, as they have attempted to place it back on me. One has stated it requires an  extension after the initial request date was XX/XX/18, the extension date is until XX/XX/2018, which is longer than the 15 day permitted timeline, I received this update notice XX/XX/2018. No addition information was provided by me during the initial 30 days ( XX/XX/18 - XX/XX/18 ) to warrant an extension according to 611- ( a ) ( 1 ) ( B and C ) this is required, another violation.

I have response documentation, the certified dated documented delivery receipt ( s ) and copies of letter ( s ) mailed, I am unable to upload, but can supply them upon request by fax, or mail.
The Russell Collection Agency is reporting a collections account that has been included in my bankruptcy. They have two accounts on my credit reports : {$90.00} Opened XX/XX/XXXX ( 6 mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX Closed No Info You could dispute an error with equifax SEE AN ERROR? 
If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

GO TO XXXX Creditor Information RUSSELL COLLECTION A G-XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$29.00} Highest Balance {$29.00} Opened XX/XX/XXXX ( 6 mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX Closed No Info You could dispute an error with equifax SEE AN ERROR? 
If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

GO TO XXXX Creditor Information RUSSELL COLLECTION A G-XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX
Wells Fargo claims I took an auto loan in 2011. I did not. Wells Fargo has refused to send a copy of this alleged loan agreement. I know nothing about this alleged loan. Wells Fargo has repeatedly given me a run around. I have no idea what kind of a vehicle I allegedly bought or from which dealer I supposedly bought it from. 

This is clearly identity theft, if this loan even exists. Any signature would not be mine and would be a forgery. Wells Fargo wants me show a police report. How can I file a police report if Wells Fargo refuses to give me a copy of the loan papers? They seem to be keeping me in the dark on purpose. Wells Fargo has created false accounts before as is well known. 

I want a copy of this alleged loan or have this defamatory information removed from my credit report.
The agencies Experian and XXXX has refused to verify and validate the accounts XXXX, XXXX XXXX, XXXX XXXX party, these are fraudulent accounts.
They should contact my mother to collect these loans Navient is distracting me on my job and home calling numerous times daily for PRIVATE loans I did not take out even though I have repeatedly explained I had no knowledge of these loans and had a full scholarship and grants throughout my college years. 

I have completed all paperwork : notarized affidavit ; checks ; online loan applications ; etc. and gone through a law enforcement investigation in XXXX, CT where the loans were taken out by my mother. My mother has gone through a law enforcement investigation in XXXX, CT and signed a notarized affidavit. XXXX XXXX met with the prosecutor and the case was thrown out and made a " documentational file. '' Navient has even written to me saying, " I benefited from the loans because I was living at the same address. '' I was a full-time student, living and going to college at XXXX XXXX XXXX. 

This is deceptive business practice under FCC for me to be interrupted by Navient numerous times per day. XXXX XXXX and XXXX dropped the cases but it appears that Navient took out a federal guarantee insurance policy to cover themselves. My mother has paid hundreds of thousands of dollars and because of combined interest, NOT ME. This is harassment in the worse way. Please help me!
I have been trying to get from Bank of America a satisfaction of mortgage from a mortgage that was paid off in XX/XX/XXXX. I originally received a satisfaction from the FDIC back in XX/XX/XXXX, but it was never filed at my county clerks office, so it still shows outstanding. LaSalle National Bank was the last bank it was assigned to. As per XXXX XXXX in the FDIC, since XXXX was acquired by BOA it is their responsibility to do so. They have refused giving different answers every time I contacted them to do it.. XXXX XXXX asked to have someone call her to get an explanation, but they refuse. I was told by BOA that XXXX XXXX has to get me the satisfaction, but they are no longer in business. When i received a letter answering my complaint to BOA they wanted a payoff, which I was able to get from XXXX XXXX in the FDIC.. After that was sent in it still was not enough.They said it wasnt paid to BOA. Of course it was n't. I have attached all the paper work from XX/XX/XXXX to XX/XX/XXXX.. The best part of this is that I found about this while I refinanced my mortgage through BOA. The title co gave an exception, that is why the refinance went through. I do n't know where else to go to get this done before I pass on. I need this satisfaction so my children call sell the home after I pass on..
On XXXX the XXXX I have transferred an amount of XXXX XXXX via wire transfer. 
As stated on The company web site ( coinbase.com ) the wire transfer should take 1-2 days to be shown on the wallet.
I have sent several emails and made many phone calls to customer service. I was told that my case has been escalated and it should take 48-72 to hear back. but nothing happened. 

on my last call with customer service they refused to give me a time frame to solve my issue. 

Yesterday I received an email from Coinbase saying that they are sad to received a request from me that I want to close my account, Which I never did At this point I have lost nearly XXXX, as the price of the XXXX is going up everyday and I am not able to use other company service since my money is blocked with Coinbase.
Chase bank is not sending information to my  XXXX  account in a timely manner. I was notcified of this  XXXX / XXXX /  XXXX
XXXX XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX   FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, FL XXXX
I received documentation from OpenRoad lending offering to refi my XXXX for a lower interest rate. After I spoke with a representative it was obvious that they could not beat the rate I currently have so I declined the offer. I did expect ONE hard credit pull for this transaction, but there are THREE-two of which I do not recognize nor did I approve.
I had/have been trying to get a modification of my mortgage since XXXX. I kept asking and asking to no avail. Hudson City Savings Bank said that since they did not take any " XXXX '' money I ( and every homeowner through HCSB ) was not entitled to any of the government programs that COULD AND WOULD have SAVED my house. I 've now spent {$15000.00} on an attorney for the past 2+ years ( and I am on XXXX and get a small amount ). My house is now up for Sheriff 's Sale. I am now trying to get a modification through M & T Bank who bought out/merged with HCSB I do not know what will happen with M & T. But I should not have suffered all these years with calling and writing letters every month asking for HELP.Through all these years HUDSON CITY SAVINGS BANK did NOT offer any alternative programs to HELP save my home. They never even responded to any of my numerous letters or phone calls to discuss options. It was as if I never existed. This is NOT how a BANK that profited during the financial crisis should treat their customers. When the " late '' CEO XXXX XXXX got an average salary of $ XXXX a year ( over a 5 year period of time ) during XXXX, see Forbes article, and overall $ XXXX in stock options. 

" The Financial Crisis Inquiry Commission Report '' XXXX says and concurs that the Banking/Financial/Investment institutions WERE at Fault and caused this economic collapse ( and they benefited in the millions of dollars ) so why do I and every other home owner now suffer.
My information was involved in a data breach via XXXX, and XXXX. I filed the proper affidavits, police reports etc., and submitted this information to all three consumer reporting agencies, however they refused to remove the inaccurate information.