WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted my initial complaint about Experian on XXXX/XXXX/16. 
Experian represented they were in the process of mailing the credit report to me, and it will take up to 10 days. 

Today, XXXX/XXXX/2016 I still have n't received the report. 
I was denied credit and am unable to get car insurance to get to work, because of flawed reporting by Experian. 
At which point can I sue these clowns for damages to my credit score?
A debt I owed to a health club was included in my bankruptcy. The debt was listed as being " in collections '' on my credit report, so I filed a dispute and the account was removed from my report. A few days ago I received a bill from a different collection agency still attempting to collect the debt. Again, the debt was included in my bankruptcy and I do not owe it.
We recently refinanced w ith Wells Fargo, within the last 6 months. They were the holder of our  mortgage and we refinanced with them to get a lower rate and shorter term. We decided to go with them because we were told we would receive a {$500.00} gift card (   XXXX   or  XXXX  - the representative couldnt ' remember which  XXXX  ). Our refinancing was completed several months ago, but even after multiple follow-ups we have not received any gift card/certificate. The rep who helped us refi will not return any calls. We recently sent an email to customer service and have yet to hear a response. Please help us in getting some answers on if there even was a gift card offer and if so, how can we obtain it.
On XXXX XXXX I gave my wallet to my attorney at the time to give to my family and instead he charged all of my accounts for his services with out anyone consent. I was under the impression that my nephew was present and gave him the consent to charge the accounts, but he never did the attorney XXXX XXXX XXXX of XXXX XXXX and XXXX took the liberty to charge the accounts him self {$15000.00} in total over 3 different accounts. Let alone he never preformed the services as he was fired before he could do anything. I had someone file charge backs regarding the accounts fraudulent charges and services not rendered and not one of the 3 banks ever made contact with me and ruled in the attorneys favor as he provided false documents to support his account of activity. The receipt he provided was dated XXXX XXXX XXXX charged at midnight and there is not anyone signature. I am waiting on finial results from Capital One Silver Credit Card and XXXX XXXX, However Capital One 360 has ruled there is not an error and finalized a decision in the attorneys favor with out ever looking over the documents or confirming a signature. XXXX, XXXX XXXX requires a signature for charges or {$50.00} there is not any body 's signature on the receipts. Please help in this matter it is not the first time I had a dispute with Capital One 360 where they never investigated the matter correctly and favored the vendor.
COINBASE. company name trades XXXX. Transfer {$250.00} FROM MY CREDIT CARD to trade XXXX. Transferring to them and trade coins has no problem. But you ca n't take money back from them. Its blocked in all possible way. No customer support Im trying to reach for 2 weeks. No reply. Cant take my money back. They made process hard to get out. Verifying my wire bank is a one of them. I do n't understand how can I verify my wire bank? They do n't explain. They simply not answering. they have all wire info from my ( chase ) bank. Nothing more you need to accomplish this task. Looking at the complains online I found similar problems with lots of people, and Im wondering how in the world they still there scamming people? Please take some steps to investigate this fraud. thanks
Hello. My name is XXXX. I have been trying to get a hold of Flagstar Bank since XX/XX/XXXX. They wanted Uniform Borrower Assistance forms. They received this through a fax XX/XX/XXXX. They said they received them.I have been trying to get a hold of this bank since then. I found out at that time that XXXX XXXX was the point person to get in contact with. She called three times and I called ten times trying to contact her. 

I mailed current lease agreement, 90 days bank statement with rental deposit, XX/XX/XXXX XX/XX/XXXX tax pages all, XXXX signature and date ( their form ) and hardship letter. I paid {$26.00} for next day delivery. They said they never received it. XXXX XXXX XXXX signed for it. OK they never received it. OK. Then I faxed it twice. They never received it. Why did my XXXX XXXX get the pages they asked for the day before and mind you XXXX XXXX had to give me part of my XXXX XXXX. XXXX XXXX got their faxed paper work the same day. XXXX XXXX  has nothing to do with XXXX. The only point I want to make is that I faxed at the same place, the same number and they, XXXX XXXX received all the pages they needed. Yet Flagstar did n't. Sounds fishy. 

I spoke to five people at Flagstar. All of them claimed the same thing. I needed all those documents just mentioned previously. All I want is my mortgage payment to be reduced. My mortgage is {$1200.00} and my renters pay between {$940.00} and {$960.00} a month. All I want is to break even. That 's not happening. I have been unemployed since XX/XX/XXXX. I have been looking for jobs. I 'll keep looking.
Starting in XX/XX/XXXX and thru XX/XX/XXXX, Homepoint erroneously ACH a greater amount ( {$420.00} more ) than the agreed mortgage payment. They said it was to purchase Lender 's insurance due to our failure to provide evidence of coverage. It has come to light that they made an error. Their insurance department had confirmed that all the paperwork was in order, and there was no lapse in coverage and it was the mortgage 's company 's error. Over a period of 6 months, they withdrew {$2300.00} from my checking account, and after admission of their mistakes, they finally refunded me {$1300.00}. They still owe me {$1000.00}, which I once again contacted them. Homepoint acknowledged that this {$1000.00} was due to a lender 's policy for XX/XX/XXXX they bought under the wrong account in error. Every time I call, I had to recap the issues over and over again and kept getting the run around. I finally spoke with XXXX who is a supervisor at ext XXXX and he said that the company that they no longer work with the company whom they purchased this policy from and that it may take a while to get the money back on my behalf. This is clearly an error they made and should return my money while they try to recoup. Why should I be the one out of pocket for their error? I demand a refund of the {$1000.00} that I am owed.
I had a loan for XXXX from Mypsydayloan.com. On XX/XX/XXXX I sent them a notice revoking ACH authorization because although I had already paid them XXXX they still showed me owing a balance of XXXX. 

The legal interest rate for a payday loan is XXXX per XXXX, which would be XXXX maximum interest. 

This morning I looked at my bank statement and they have once again taken XXXX despite my revoking my ACH authorization.
This is the second complaint filed regarding XXXX XXXX XXXX XXXX, specifically the servicer Bayview Loan Servicing who never responded to my original complaint. I applied for a loan modification earlier this year with XXXX XXXX XXXX XXXX. The modification process was being serviced by Bayview Loan Servicing. The purpose of my request for the loan modification is that my mortgage payment is {$770.00} with an interest rate of 6.750 %. I live on Social Security and can not afford the payments. The bank is willing to adjust my mortgage by only {$84.00} per month while keeping the interest rate at the same rate of 6.750 % .. The reason they gave was that I had equity in my home. They said my " loan to value '' ratio exceeded 80 % and they valued my house at {$100000.00}. I completely disagree with their valuation as the price opinion based on erroneous information. The broker noted my home as being a 2 bedroom, 2 bath home with a pool. This is false. I have a 2 bedroom home but only 1 bath and no pool. I live in a rural area. The 3 comparable listings they used had either more bedrooms or more bathrooms than my home. These other homes all have more rooms than mine and are priced above {$110000.00}. Since my home is smaller with fewer rooms it should be valued at significantly less than that. It 's noted that the average time on the market is 120 days. The 3 homes were listed for 4 months, 5 months and the 3rd at more than 7 months so the 120 day figure is inaccurate. Additionally since those 3 homes have not sold their list price should not be used as a barometer for what my home is worth. Of the comparable sales they cited only 1 property sold in excess of {$100000.00}, the other 2 were at {$74000.00} and {$75000.00} respectively. The high sale had a 3rd bedroom and was 1800 sq. ft. My house is only 1122 sq ft. I 'm not sure why they would say my house that has fewer bedrooms and is significantly smaller would be valued at nearly the same price!. Finally their report shows the condition of my house to be good. I live in a log cabin. The logs need to have a varathane coating for protection every couple of years. I have not been able to do this. I have a septic tank that needs attention and the home has a well pump and pressure tank that has not been replaced since the house was built over 20 years ago. There is other deferred maintenance including tree removal and roof repair. I live in a mountainous are and have no central heat..I use a wood burning stove for heat in the winter. None of this was factored into the valuation of my home and the only house to sell over {$100000.00} is not nearly close to what my house is. The other sales make much more sense. We disputed the price opinion in writing but Bayview did not listen and did not order a reappraisal Finally, Bayview referred my loan to an attorney to start foreclosure which while I was disputing the inaccurate price opinion and continuing to get my loan modified. This was in violation of the California Homeowner 's Bill of Rights as it is considered dual tracking.
In XX/XX/XXXX I put a fraud alert on each credit report and because of that I am now in XXXX. I would like to take the fraud alert off my credit report.
I went on to Transunion 's website last XX/XX/17 to freeze my credit due to the data breach ( equifax ). I paid a one time {$10.00} credit freeze fee and gave my credit card #. I now see that they are monthly charging me {$19.00} on this credit card for credit monitoring. When I called and told them I did not sign up for said service they said I did and refused to refund money. I went into my emails and saw that they provided me with an email receipt for the {$10.00} fee, but not for the other service. When I called them back to mention this, they eventually agreed to refund me only XX/XX/XXXX and XX/XX/XXXX. My guess is that they are automatically signing people up when they freeze their credit. They said I signed up because I made an account with them, but to put on a credit freeze I had to set up an account. I believe your office needs to investigate this.

*I see on your website now that they had already paid fines on this type of deception just last year. Well, they are at it again it seems.
I has an account with First Merit Bank. In XXXX 2015 I closed the account. In XXXX 2015, I received a text message from First Merit that I owed {$100.00} for an automatic deduction in XX/XX/XXXX made from my closed account and a late fee for not having money in my closed account to pay for it. I confronted First Merit asking them why they would indebt a closed account. They said I now owe {$150.00} since I have n't paid for the XX/XX/XXXX overdraw. I then asked them if a person walked in with a check written by me and tried to cash it after my account was closed in XX/XX/XXXX, would they cash it and they said no. 
What can I do? Thank you.
My mortgage initiated with XXXX  XXXX XXXX, than transferred to XXXX XXXX XXXX. My last payment on the mortgage account was with XXXX XXXX XXXX in XX/XX/XXXX, no further payments was made on the mortgage account. No payments from XX/XX/XXXX-present date. Seven years for the delinquent status on the mortgage account would have matured in XX/XX/XXXX. XXXX XXXX XXXX or XXXX  are been fraudulent reporting information and or investigations because the information has been removed from both XXXX  and XXXX XXXX. In addition XXXX also conducted another investigation on my credit report which was resolved by XXXX and XXXX XXXX by removing from my credit report because the creditors ( XXXX XXXX XXXX ) said that it was an error reported on there behalf and XXXX refused to remove.
My issue with my home mortgage with JP Morgan Chase began when during the fiscal crisis we became victims of unfair and unethical business practice by JPMorgan Chase in the Loan Modification of our Mortgage. 
This has been documented in the various complaints filed with the CFPB - and too many delayed responses by this unethical company. The indifference and or incompetence at best in the handling of our most important asset and worse : lack of good faith, attempts to deceive and mislead in providing full disclosure and intentional lying or racketeering to foreclose on our home. When this was not possible, we believe there was a carefully camouflaged and highly questionable plan that resulted in excessive fees during the Loan Modification process. 
Furthermore we have patiently tried to resolve these issues amicably with Chase to to no avail. Their response was to stonewall our efforts to get non-proprietary information they said was readily available on our request. What JP Morgan Chase has excelled in is the ability to use the services of their legal team to take the art of 'stonewalling ' to a higher level. 
Imagine dealing with over 24 people in their system and each one falling all over each other not understanding, not knowing, do not have the answer, have nothing on file..who told you your house was being foreclosed on..we have nothing that says that..and so on and so on. 
I have to remind them once again that the XXXX uprising started with one man and a scale. Give up from this ruthless company - I will never. 
I want to thank the CFPB for making sure that my complaint and grievance always get a response from this unethical company -. Yes, they did offer a measly {$15000.00}. for me to go away, but of course that will not happen. I know the new changes taking place within your organization and I do wish everyone the best of everything, and just hope the poor consumer like me will still have a voice. 
JPMorgan Chase I will deal with on my own terms. I do not allow anyone to rip me off, lie about it, frustrate me, try to break me with their series of legal sharks. Each day I wake up with a social media platform with an audience of over 10,000,000. I am sure my years in publishing will be put to good use. I just wish everyone the very best and to say thanks for keeping JPMorgan Chase and XXXX XXXX on notice. Always remember the fish stinks from the head down.
I contacted SunTrust to upgrade my current account type from it 's " Everyday '' Checking to the " Select '' Checking which they now offer. I qualify based on my monthly direct deposit threshold ; however, as the person I was working with began to make the changes, she informed me that my current SunTrust XXXX Debit Card would be cancled and that it was eligible for this account type. Per my review of SunTrust Disclaimers online, their Fact Sheet and Brochure, no where does it state that the XXXX Debit Card is ineligible in this account type. Having the Select Checking account type would provide me some benefits such as Non- SunTrust ATM Withdrawls at no charge.
I applied for a loan recently with a mortgage company. The LO communicated that I had a collection from XXXX XXXX, a Collection Co. representing XXXX XXXX. It seems the default/loan was made at a time when I was XXXX and I am sure I have never used their services nor have I ever contracted with them. I have made 3 calls to them, each time giving them the account number listed on my credit report and they keep asking me for my SSN, because for some reason they " can't find me '' in their system, giving them my name and the account number THEY are reporting to XXXX XXXX. This debt is simply not mine.
I would like to file a complaint against U.S. Bank concerning a stolen fraudulent check that presented against our account. We are also looking for some assistance with this dispute that we have with U.S. Bank. The situation involves a stolen check and fraudulent activity on our checking account. On X/XX/2014, I had a check stolen out of my office and on X/XX/2014, a check presented and cashed for {$3000.00}, at Citizens Community Federal Bank. The balance of my checking account was less than {$500.00}, due to this check being cashed a Ready Reserve liability was established in the neighborhood of {$2600.00}. This fraud was promptly discover and informed on X/XX/2014 to U.S. Bank Fraud Department and the local police. Investigations were started both with U.S. Bank and the City of  XXXX Police. After a period of several weeks, U. S. Bank decided to deny our claim to cover the fraudulent activity on our account and started to demand payments to begin to paying off the Ready Reserve Account that was established through the fraudulent act. U.S. Bank froze this fraudulent account and put a Cease and Desist on our account to adversely affect our credit history.
We have contacted the local Branch Manager, the Loss Prevention Department, Retail Collections Department. The State of Minnesota Office of the Attorney General strongly suggested we contact the Office of the Comptroller of the Currency to voice our complaint and to seek a remedy to our situation. I have included copies of our correspondence.
my name is XXXX XXXX am I have huge debt that started in 1997. I owe {$20000.00} in student loans payment to Sallie Mae. I was told to consolidate the loan and since that decision my loan balloon up to about {$68000.00}. With monthly payments of XXXX monthly. I have been in and out of work for some time and been trying to make payments with part time job. I like for this loan to forgiven or reduce so I can get my life back on track. The new company Naivent I'm not sure were they come from. I get harassing phone calls and solution WITH DEAD ENDS. Thank you
On Saturday, XX/XX/XXXX, I received a letter from Chase in regards to important changes to my credit card account. In this letter, it indicated that my account was reviewed and it was determined that my interest rate would be increased, effective XX/XX/2019 because my APR is " below the lowest APRSs currently offered on similar accounts. '' Since there is a section in the letter that references rejecting the changes, I called to see what my options were. I called the creditor and was told I could either accept the rate increase or close my account. I suspect this has to do with the fact that I changed my account from a non-rewards account to a rewards account and I feel that this could be a way for the creditor to make up for the cash back option or travel rewards option associated with my account. I did some research before filing this claim and I did take note that online, part of the Credit Reform Act is to protect against arbitrary rate increases. And this feels totally arbitrary.
My loan servicer is the problem. Not the school. The loan servicer is Great Lakes the website is greatlakes.org. I choose the 25 year repayment plan. Every time I make an additional payment during the month they keep it and call it " money paid ahead '' they are not applying my extra money to the principal like I choose two years ago. The company wants me to pay {$90000.00} back over 25 years and not apply my extra money to the principal. Today I had XXXX of money paid ahead, now I do not see that. I want a reciept of which loan they applied the XXXX dollars too. The websit and contracting papers, state that if I put an excess payment on my account they can keep it for whatever reason and apply however they want, it also states that they can apply excess money to the principal. I recently paid two payments and they added it to my amount paid ahead rather than apply the payment to principal. Can you all help me?
XXXX won't remove or Give me method of verification on how they verified the accounts I'm disputing with them as they are only using XXXX not actually providing me documents on what documents were used to verify they accounts if they can't provide me documents this must be deleted 2 XXXX accounts and total card they can't verify something that they are reporting without proof same with XXXX  they have a Barclays card reporting on my report they just provide me proof paper work not just papers saying the accounts has been verified I sent them certified letters asking them for my documents as it is my right as a customer to see how they are verifying these fraudlant accounts
This business Third Party debt collector Federal Adjustments Bureau Company reported an alleged debt due owing to them. According to my to my records they have never been a creditor of mine and upon severaI request I asked and demanded verification and validation for the debt owed to them as well as the credit bureaus but no changes have been made. I noticed this company intruded into my personal credit file without my authorization, which constitutes a negligent violation. In reference to this matter I 'm requesting that Federal Adjustments Bureau Company be removed from my report. I have no legal binding contracts or agreements with this business.
Federal Adjustments Bureau Company acct. # XXXX {$3100.00}
I submitted a request to the collector requesting validation that the debt belongs to me as well as HIPPA authorization for medical records to be released. The response received was a statement of what is owed, there was nothing validate nor was there a HIPPA release provided.
As of XX/XX/2018 I check my credit report with XXXX, Equifax  and XXXX and there is unauthorize hard inquiries from XXXX. 
There is also 9 hard unauthorize inquiries on XXXX, and 13 hard inquiries on Equifax and 4 on  XXXX. 

I have been disputing with XXXX, XXXX and Equifax but credit reporting agencies refuses to delete all unauthorize hard inquiries from my credit reports. 

I am XXXX Lifetime, XXXX.
In XXXX 2016, I submitted a payment in full for the amount of {$490.00} from my XXXX card. I received a call stating that XXXX did not allow collection companies to charge customer accounts. I called XXXX and they stated there was no reason they would refuse to pay the account was in good standing and credit was available. I submitted {$250.00} from my debit card. I got another call and this time the rep said that they did not accept XXXX cards as payment contrary to the last rep that said they tried to run the card and the authorization failed. This company lied and now it XX/XX/XXXX and this should have all been resolved in XX/XX/XXXX. They are destroying credit by falsely refusing to apply payment. By Illinois UCC the refusal to accept payment for {$490.00} ( the full amount owed ) is grounds for dismissing the debt in the amount of the attempted payment. By law I should owe nothing and they should have to refund my {$250.00}.
the was received on X/XX/2017.
I am disputing this amount in FULL.
remove my name and alleged debt from your files. it was already addressed and resolved in previous years. thank you. XXXX XXXX XXXX attached document.