WillisBack/dataset-financial-user-claim huggingface dataset:
We established an equity line with SunTrust Bank, using our primary residence as collateral several years ago. While we spend six months a year out of state, we have our mail forwarded. Our last monthly statement from SunTrust was recieved on XXXX. We religiously sent SunTrust {$300.00} every month irregardless, depending on hearing from them if there were any changes or problems. Upon returning to our primary residence in XXXX, I recieved a call from SunTrust 's collection department demanding nearly {$4000.00} in late payments plus fees. It was then learned that our payments were increased to over {$800.00} permonth back in XX/XX/XXXX. We checked with our post office and learned that if mailing envelopes from financial institutions do not instruct them not to forward correspondence, the mail is forwarded. SunTrust does not request the post office to not forward mail. This represents both unprofessional and unethical practices on the part of SunTrust. Not only are we faced with dealing with a rather large surprise obligation, but the bank still has the gall to charge fees on top of this unjustice. It is unexcusable for the bank to not try to communicate with us regarding this matter, or to be assured the correspondence be forwarded. When I brought this matter to SunTrust 's attention, they blamed the post office for returning all mail. It should be noted that all other first class mail was forwarded as ordered. This not only caused us a financial burden, but also affected out credit. We believe that SunTrust should have negated the increased obligation since XXXX, advised us of our increased loan payment and we would have gladly gone along with that. It would be interesting to ascertain just how many other customers experienced similiar treatment.
Account : XXXX XXXX # XXXX ( {$370.00} per month )XX/XX/XXXX XX/XX/XXXX reflects 30 instead of OK. 

Dispute Letter Mailed to TransUnion, XXXX and XXXX : Dispute Statement - The payment reporting for this account is completely inaccurate. My credit file currently reflects that I missed payments or made a payment greater than 30 days late to XXXX XXXX for all of the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did make payments on time and in full on all of those months, I did not make the payments past 30 days from the due date. Please update/correct this information on my credit file as soon as possible to reflect accurate payments made on time for all of those months. I have disputed the inaccuracy of this account reporting for those months multiple times with all three credit bureaus and its causing a significant affliction on my overall credit status and financial options, causing hardship on education plans for my son and other life needs. 

Supporting Documentation Provided to TransUnion, XXXX and XXXX by Mail : Enclosed a copy of my Checking Account Transaction History Report, which verifies that I did make the monthly payments for all of those months and payments were made in the amounts of {$380.00} or above, which is higher than the minimum monthly payment required and also paid within 30 days from the monthly bill due date.
I am trying to transfer money to another account. I have in writing from Netspend that they do nit transfer to other Netspend accounts or to external accounts. They have n't given me any info on how I can transfer money to another account. This seems like the bank is false advertising transferring funds to accounts.
I have been receiving multiple calls on my personal cell phone and my work phone from a company claiming I owe money for an online loan from XXXX. I have no memory of taking this loan and when asked for proof they told me they could send me a letter from their office but would not have the original documents as the " loan '' had been sold several times. They threatened to see me at home or work if I did not pay. I called the number XXXX and spoke with a woman who refused to give me her address or let me talk with a supervisor. She yelled over me and kept saying with I resolve this voluntarily or they would do it through the law and courts in XXXX XXXX. I do n't live in XXXX XXXX. I finally called back and got a man named XXXX who still refused to give me his address but said they would contact " Web Loan '' and see if they had the orinigal paperwork and would send it to me. I told them if I owe something I pay it and I did not believe this was legitimately my loan and that by law they needed to provide proof in writing. Again said it was doubtful that they would be able to get anything and that the original amount was {$500.00} but the amount to settle would be {$800.00} and would I be willing to pay today? I searched them online for both " GR Group '' and " Global Recovery Group '' and found XXXX in VA. I called them and spoke to XXXX XXXX XXXX who apologized and told me that they are using the name of his business but he is not in the personal loan collection business. 

Here is his e-mail to me : Dear XXXX XXXX : I am sorry you have been contacted by the " Global Recovery '' entity that is frequently mistaken with my company, Global Recovery Group, XXXX. I have repeatedly sought to alert the CFPB about this entity and its tactics, and attach a letter from XXXX in this regard. My suggestion is that you file a complaint with CFPB directly. 

With best regards, XXXX XXXX XXXX XXXX, XXXX. 
Chief Executive Officer Global Recovery Group, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX USA Tel : ( XXXX ) XXXX Mob : ( XXXX ) XXXX Fax : ( XXXX ) XXXX He also included a letter he has written to XXXX XXXX - director of your bureau.
For a little over a week I have been getting 4-5 calls per day for medical debt collection that is a result of the doctor incorrectly coding the procedure. The procedure, as verified by my primary care doctor and my insurance provider, is covered 100 % by preventative, but, the doctor 's office that performed the procedure ( and acknowledged with me that the entire procedure was preventative and NOT diagnostic ) coded it incorrectly ( against what they said and agreed was preventative ) as diagnostic. So, it is a simple fix for them to get their money and they, for some reason, still keep insisting the account is not paid ( because they have not changed the XXXX coding to preventative ). 

Transworld ( I talked to a supervisor today named XXXX XXXX XXXX has been calling 4-5 times a day for collection including as early as XXXX and as late as XXXX. It was once a day for about two weeks and beginning last Thursday, XXXX XXXX 2017 it has been 4-5 times a day including one Saturday call.
I ate at a restaurant on XX/XX/2018. The original bill was {$29.00} and I added a {$3.00} tip for a total of {$32.00}. The restaurant modified my receipt and changed the tip amount to {$8.00} for a new total of {$37.00}. I disputed the new charge on the basis of fraud and the bank initially refunded my account. The restaurant provided a copy of the receipt and the bank subsequently reversed the credit and charged me the full amount. The receipt provided by the merchant clearly shows the intended total I wanted to pay was {$32.00}.
I had written out for {$600.00} ( Check # XXXX ) on the evening of XXXX/XXXX/XXXX. Any checks I write never usually post until either the next day two days later. For some reason, the aforementioned check deposited that evening. 
I specifically wrote the check then because I knew I was going to be paid XXXX XXXX/XXXX/XXXX, approximately 4-6 hours prior to the check being deposited in the amount of {$3000.00} ( PPD ID : XXXX ). Within this time frame, chase debited my account for 2 charges resulting in a {$70.00} overdraft payment. 
Due to the unethical nature of these overdraft fees, I request a full refund of the {$70.00} to my account. Please do not respond with " you have exceeded your overdraft fee refunds for the year '' as this is clearly an extenuating circumstance due to a computing anomaly on the banks part. 
I do n't believe that it is my problem that Chase found a way to take my money and delay putting other monies in. I also believe that it is unconscionable to assume that a consumer would benefit from a 4-6 hour loan at an interest rate of a few hundred percent.
I bought a house thought XXXX XXXX Bank Home Mortgage on XX/XX/XXXX, on XXXX XXXX XXXX XXXX, XXXX AZ XXXX, they set up a bi-weekly payment for 2 payments {$500.00} each, every 1st of the month and every 15th and I was never late.. all of a sudden I received a letter from US BAnk XXXX stating that the loan was sold to XXXX Home Mortgage. I called USbank today ( XX/XX/17 ) to find out what was going on and to set up and continue the bi-weekly payment, I found out that they did n't have the cell phone number I have for 12 years, but one really off and no email address on file. Therefore I was never contacted. They said that they do n't have bi-weekly payments and that my due date for the full amount {$1000.00} is on XX/XX/XXXX .... Since this took me by surprise I ask them for a month period of grace to start fresh and be able to pay on time. They denied me that grace period. i do n't have the full amount because I have all my bills set up in a way that i divide them between theXX/XX/XXXXhecks I receive from work ... I will be late on my mortgage and I making a complain because : 1- they did n't notify me. 2- USbank did n't have my information on file. Therefore they owe me at least a month period to came up with the full amount and do n't be late ... My name is XXXX XXXX cell ( XXXX XXXX XXXX. USbank loan # XXXX
A few months ago after reviewing copy my credit report I discovered account that appears to be charged off from XXXX XXXX XXXXXXXX XXXX . I reached out to creditor to advised them I have know knowledge of opening XXXX XXXX store card. I requested creditor validation validity of account by providing me with copy photo identification they obtained when account was open to verify identity of person that open account. XXXX XXXX has yet to mail any of the requested information. 

Today XX/XX/2018 @ XXXXXXXX XXXX I made one last attempted to resolve issue with XXXXXXXX XXXX and I decided to give them a phone at XXXX. I spoke with a representative that advised me that XXXXXXXX XXXX had sold account back on XX/XX/2018 to XXXX XXXX. 

XXXXXXXX XXXX has failed to provide me with at evidence to validation the validity of account prior to selling fraudulent account to third party collection agency.
Midwest Recovery Systems is reporting a collection to the credit bureaus that Ive never applied for or received. I have made several attempts to contact this agency in an attempt for verification, but to no avail. I have disputed this account with the credit bureaus, also requesting verification, but I have not been successful in my attempts through this course of action either. I have never been notified or received any notification of this debt or verification via signed contract and/or proof of deposit. I have never received a payday loan from XXXX XXXX XXXX XXXX or any other payday loan organization. This account does not belong to me and Midwest Recovery Systems can not validate this account as belonging to me. They have refused to properly notify me of this alleged account and refused to remove this account from my credit report. This account is fraudulent and the company appears to uphold and participate in fraudulent activity.
On XX/XX/2016 my husband had brought his XXXX and enjoy the park. I fell ill at the park, so my husband rented a wheelchair in order to get me from the park to the parking lot. My husband, XXXX XXXX, understood that the charge for the wheelchair rental was {$25.00} with a {$25.00} deposit. He rented the wheelchair at XXXX and returned the wheelchair at XXXX. Instead of refunding the {$25.00} deposit, the clerk charged him an additional {$50.00}. He was in a hurry to get back to his XXXX and did not double check the receipt. My husband was in error by not double checking the receipt, but that in no way entitles XXXX to {$75.00} additional funds. 
Chase initially took the charges off, but added a {$50.00} charge back to my account XX/XX/2016, even though we had faxed a notice to them on XX/XX/2016 that the amount was still in dispute. XXXX is claiming the charges are legitimate because there are two receipts, even though it has been explained that the second receipt should have had a refund of {$25.00} and not another {$50.00} charge. 
We are unable to reach anyone by phone at Chase or XXXX to resolve this. They call, but there is no caller id and I do not answer unidentified callers. They leave a message and we call back, but they are always away from their desk and do not return our calls. 
I sent them a notice today by fax at XXXX CDT that they needed to call us back by XXXX today or I would be filing this complaint. There was, of course, no return phone call.
On XX/XX/XXXX, I tried to pay an account via online banking through her Chase checkings account. In the Payee dropdown, I accidentally selected an old XXXX XXXX XXXX credit card account that has been closed for 7 years and sent an amount for {$500.00}. On XX/XX/XXXX, Chase initially opened up a claim and indicated that they would refund within 3-5 business days. However, this did not happen at all in which I called back on XX/XX/XXXX, where XXXX XXXX XXXX stated that they need proof of payment faxed to them and they provided a fax number of where to send it. On the same day, I called Chase back with the fax number for them to send the letter, which they advised would take about 3 business days to complete. She talked to a person named XXXX  and she provided Reference # XXXX. On XX/XX/XXXX, a letter was sent by Chase indicating that the inquiry has been resolved. This led to me thinking that the money would be refunded, but that was not the case. I called Chase again on XX/XX/XXXX. I discovered from Chase that the " resolution '' was simply sending the fax over to XXXX XXXX XXXX, and not a refund. On XX/XX/XXXX ( the same day ), I called XXXX XXXX XXXX   indicating that Chase sent the fax. XXXX XXXX XXXX stated that they can not locate the funds and would need the account number and trace number from Chase. On the same day, I called Chase to acquire the account number and trace number. With that information, I called XXXX XXXX XXXX again and provided the account number and trace number to locate the funds. XXXX XXXX XXXX was able to identify and track down the funds, but stated that since the money was applied to an account that did not belong to me, theyll need a misapplied payment letter from Chase requesting a refund. I called Chase to ask for that letter, but the manager at Chase said they no longer do that anymore.
We worked with a debt settlement company to resolve credit card debt with XXXX or XXXX credit card companies. We tried to work with the card companies directly but they refused. There was never any late payments before we turned the accounts over to the settlement company beginning in XXXX. We completed the payments by XXXX. The card companies sent XXXX forms for our income taxes and we paid over {$5000.00} dollars in federal taxes to settle these accounts. The balances however remain on our credit reports. We would like these balances removed as they are no longer part of our debt.
My Capital One Quicksilver account was in good standing for 11 years. I tried to use the card and it was declined. I called CapitalOne who said the account was closed because it was not utilized enough. No warning was given. There was no minimum use required in the card agreement. This was my longest opened credit card and has now damaged my credit score with the account closure.
I filed a Chapter XXXX Bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX and the Credit Reporting Agency Transunion refuses to update my bankruptcy status from showing " Filing '' to a " Discharged. '' Once a bankruptcy has been successfully completed the credit report is suppose to reflect the change. So, on several occasions, I disputed my credit report on the comany 's website, via snail mail and over the telephone regarding the completion of my bankruptcy. I provided proof that the bankruptcy was discharged/completed and even instructed the company where there investigators should specifically look, when he/she/they go into the bankruptcy XXXX system to verify the completion of my case. Yet the company is the only credit reporting agency that is not satisfied with the correspondence that which I provided them. I do not understand what the problem is and at this point I believe that I am being discriminated against and my consumer protection and Civil Rights are obviously being violated. I have also been turned down from a Civil Service job opportunity because of the open/active/filing status of my bankruptcy case with this credit reporting agency. Should you need evidence of my lost job opportunity, I am willing to support this claim. This company is also interfering with my future plans of purchasing a home due to their refusal of changing my bankruptcy status. In addition, according the the benefits of what a discharged bankruptcy is suppose to provide debtors, this company is preventing me from receiving a " fresh start '' in my life. Please help me as I am exhausted, stressed and disgusted with the unprofessional, unethical. undue hardship, and discriminating behavior that the company has imposed upon me and my family.
XX/XX/XXXX I disputed a ch XXXX bankruotcy on my credit file wanting the information in the report to be reportrd accurately and be verified. Equifax had 30 days to do so upon request in the dispute Equifax removed the public record because they could not verify the accuracy of the information. As of XX/XX/XXXX there weas no record of the bankruptcy on my credit file. As of XX/XX/XXXX the information has / reinserted/reappeared on my Equifax credit report stating XXXX XXXX is the furnisher of the public record 3rd party vendor of the public record and not the court. I called Equifax XX/XX/XXXX to dispute this matter of the reinsertion I spoke with XXXX but he told me there is nothing he could do. Also it says on the report the date reorted for the bankruptcy wasXX/XX/XXXX was that the date the inquiry was added or discharge? Again inaccuracies I have a report of XX/XX/XXXX that does not include the bankruptcy on the record and the discharge date for the bankruptcy wasXX/XX/XXXX.I never recieved Certification Of Accuracy with a 5 day notice telling me about the reinsertion. Adding Equifax did not verify the public record with the court or court reporters because the court does not verify or furnish information to the credit bureau. Public record sources must also include individuals name, address, full social security number, and date of birthto improve accuracy by the standards of the National Consumer Assistance Plan. I am requesting this information be deleted for finial resolution
I am not able to have a freeze on my credit report permanently removed. I am in the process of applying for a new mortgage and need to allow prop spectate lender to have access to my credit report. The transunion employees I have gotten are very hard to understand and I am hard of hearing. I may have answered a question regarding my credit report but sometimes the questions were a little confusing or I was not able to understand them. I need to have the freeze on my credit report removed, immediately.
helvey and Associates {$320.00} is showing on my credit report as a debt i owe from XXXX  XXXX  but it don't match where i live. the XXXX  XXXX where I've been living since a kid is in my mothers name. This account do not belong to me please remove, i need your help Thanks.
I contacted them to dispute items that I did not recall or recognize on my credit report. I requested that documentation ( i.e contracts or agreements to pay ) with my signature be provided to me to validate that the accounts were mine. I received a summary of disputes, bot not one piece of information validating that any of these accounts belong to me. It is my belief that these accounts can not be validated and that is why the information I requested was not sent to me. It has been over 30 days since I requested this information.
this company was fully paid, by my new lender, and they did not, reportto the XXXX credit bureau agency, they are damaging my report, theyshould be investigated, they received the money, but they never clearedmy name to the credit bureau, this company should be penalizedfor negligence.
A Representative named XXXX XXXX called me today XX/XX/2018 at approximately XXXX XXXX, XXXX and XXXX pacific standard time, harassing me about a trying to contact a person named XXXX over a debt and that this person used me as a referral. When I told her that I don't know this person nor her whereabouts she threatened to personally come to my home and do something to me. XXXX XXXX also said she would send some legal letters to my home. Total harassment. 


I don't know this person and I don't want this type of phone call and harassment and the threats.
Transunion previously deleted inquiries from my credit report and then added them back on without notifying me.
2009 loan was taken out w/Santander Consumer USA, worst ever customer service, management. late fees and repossession fees were incurred loan was restructured due to financial hardship that was reflected on credit reports balance was at {$1.00} then Santander came up with having new rules and regulations about fees etc and put over {$1700.00} worth of fees back onto my balance, no notification of new policies or rules no type of correspondence at all a rep to say do n't be mad at me but these rules just changed. my credit reports reflect the balance change and they are reporting late due to this
I have not been in contact with my loan processor/mortgage broker, XXXX XXXX at Freedom Mortgage Company in XXXX, FL for several weeks. He has not contacted me after I have made several attempts via emails, phone call, voice messages and text messages for a status on my loan application approval. I do n't know if my loan was approved or denied. There has been no phone call or email with a status of my loan. It is approximately 2 weeks before my closing date. At this point, I am left with wondering if myself and XXXX child will be homeless due to the disregard and unprofessional conduct by the loan officer. Also, I have tried to contact the loan officer manager and left him a voicemail. He has not responded back to me either. The last time I spoke with the loan officer, XXXX, he stated he was going to submit my loan on Wednesday, XX/XX/2016 and he had the signed documents.
Hillcrest Davidson & Associates contacted my mother ( XXXX Party ) about a frivolous claim that I formally disputed and have not been provided backup or documentaion on. 

1. Disclosed detailed information about disputed claim including slanderous allegations of fraud. 
2. Obtained the contact information illegally from an employer ' s emergency contact information. 
3. Continously harrasing XXXX party after being asked not to ( In writting ) on several occasions.