WillisBack/dataset-financial-user-claim huggingface dataset:
OCWEN finiacial services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID ( OCD ) My house was foreclosed XXXX XXXX 2015. WHICH I should have enter the six month redemption period. Ocwen has ignored the redemption laws/rules will not allow me to participate in the redemption of my home. THE Customer rep is a call center is from a in XXXX who is reading off his screen. OCWEN does not have a foreclosure departtment. And it 's website is down which prevents anyone to lodging a compliant. The customer rep told me I could not redeem my home period with no reasoning to why not. He then told me to go XXXX a home seller website which does n't list my home. What he told me over the phone originally that the refrence number was a customer care rep of OCWEN instead it was XXXX. 
I ca n't reach a single person in the company to discuss the matter. I have not received a single letter since the forclosed sale. I 'm only asking that OCWEN allow me my right to redeem my home at fair market value. And to woefully allow me to actively participate in my redeption period. MY LOAN NUMBER IS XXXX.
Convergent Outsourcing Inc. Is attempting to collect a debt claiming I owe XXXX XXXX but my account is in good standing with XXXX I literally used it to buy a bike less then XXXX hours ago.
As of the end of this summer, I will have been a graduate student at XXXX University in XXXX, Georgia. I have applied for a SallieMae loan most of the semesters that I have been attending there, and every time that I have, SallieMae has approved my loan without any strings attached. But suddenly, and for the first time, they are requiring me to get a cosigner to acquire a loan. There is nothing in my credit history over the last half year that would even suggest that I have suddenly failed to meet the standards required to receive a loan.
I originally contacted   XXXX   XXXX   @  XXXX   XXXX  about the bill when I first received the bill around  XXXX   XXXX  and advised her that I went in for an   XXXX   XXXX   XXXX   on  XXXX / XXXX / XXXX  and rep stated she had to research the codes she called me back and stated coders stated the codes were right and gave me a  XXXX  NC address to mail a complaint. I mailed the complaint and never got a response until I received a collection letter fro m Bull City and I sent them a letter about insurance not being filed and disputed charges. The next notification I received was the charges on my credit report. I 've attached proof of insurance coverage. I resubmitted validation again to Bull City ba ck in  XXXX   XXXX  and they sent my a privacy notice I signed back on  XXXX / XXXX / XXXX  which I acknowledge and my insurance paid for that date no information for  XXXX / XXXX / XXXX . Information of my dates of services with  XXXX  codes are listed on the forms that was sent to me b y Bull City which violates HIPPA and there  was n't any insurance billed for  XXXX   XXXX ,  XXXX  request again On  XXXX   XXXX ,  XXXX  I went in for an   XXXX   XXXX   which is covered 100 % by my insurance. I would never go to a physician to pay full price for a visit and not have insurance billed.
My Consumer ID number is XXXX. I recently received a consumer report of my ChexSystems file and discovered that there is an address on there that is not relating to me and never related to me and ChexSystems is refusing to help assist in the removal of this address. The address that needs to be removed is XXXX. XXXX XXXX XXXX XXXX XXXX. FL XXXX. I have mailed off my identifications to ChexSystems with supporting documents that back this address does not belong to me. I don't know which method of verification that they were using or where they got this address from but it needs to be removed. 

XXXX XXXX SSN # XXXX
Zion 's Bank, based in Utah, is engaging in outright unfair banking practices by habitually and deliberately re-ordering transactions and posting deposits irregularly so that the customer incurs their outrageous overdraft fees. 

I have made multiple attempts to resolve this with the bank to no avail. They simply lie shamelessly. 

This year alone I must have incurred over {$1000.00} in these fees, some of which the Bank reimbursed, but most of which they haven't. Plus, they will not stop this practice turning every banking transaction into a guessing game which is devoted to figuring out how to steal more money from me and people like me.
Equifax 's website was breached. They provided a way to see if my information was compromised. It turns out that it was, but Equifax provided no follow up details about what to do about this. This is still the case. They have been hacked again after this first incident, and have still done nothing to help the consumers know what exactly happened. All of this is bad business, and they clearly do not care about the consumers who have been impacted.
This account was closed when the vehicle was repossessed XX/XX/XXXX or XX/XX/XXXX. The ex husband rook on the loan in the divorce and has since filed bankruptcy. It was included in that bankruptcy. This is not an open account and the car is no longer in my possesion. Please remove as an open auto loan and include in the ex husband 's bankruptcy. Please remove from my report.
In 1996, I graduated XXXX Iowa. Six months after my mother who raised me on her own, passed away. XXXX informed me due to hardship I could take a forbearance. I was told all that would happen is I would be able to wait until I started my payments on my XXXX loan. I was surprised when XXXX told me I needed to start paying off my now XXXX loan due to interest accruing. It has been 20 years and I am finally back to the XXXX original loan. This loan has caused me and my wife the inability to not move forward with the house we would like to purchase. XXXX/Navient has put financial straint on my life due to them taking advantage of me during a tough time in my life.
This is a complaint regarding my Chase Freedom Unlimited Card in how a specific dispute was handled. A charge with the merchant " XXXX XXXX XXXX '' was disputed on my Chase Freedom Unlimited card on the basis of " Unsatisfactory Services Rendered ''. In Depth and comprehensive explanations with dates/times regarding this dispute can be found in the attached documentations submitted with this complaint. In summary, the merchant performed XXXX XXXX on my dog which XXXX XXXX   him. This is not only XXXX XXXX but also medical malpractice at its worst. My dog suffered a XXXX XXXX XXXX   due to this XXXX, which can be corroborated and factually verified through a statement provided by a fully licensed and practicing vet. I brought my dog to several different vets the following days after the XXXX XXXX occurred. 

XXXX XXXX XXXX XXXX, a Chase Executive employee handling this case stated to me that the vet " did not state that the XXXX XXXX was the cause of my dog 's XXXX. '' This statement by XXXX XXXX is 100 % false, a blatant lie, and a clear misrepresentation of the facts. In the SECOND letter written by the vet, XXXX XXXX, it clearly states that the vet, in his professional judgement, believes that the XXXX XXXX caused my dog 's XXXX XXXX XXXX XXXX. In MY SECOND letter, it clearly states that I brought my dog to XXXX XXXX 24 hours AFTER THE XXXX AT XXXX XXXX XXXX. 

As such, there is no ambiguity when it comes to exactly what happened. The second letter written by ME and XXXX XXXX, the licensed vet, is more than enough to establish guilt/wrongdoing on behalf of the merchant. I would like to state AGAIN OVER HERE, for the record, that I brought my DOG to XXXX XXXX APPROXIMATELY 24 HOURS AFTER THE XXXX XXXX TOOK PLACE AT XXXX XXXX XXXX. 

As all conversations are recorded, I have full verification of everything that was stated by XXXX XXXX and his attempts at defending the merchant when there is no evidence left to do so. Again, there is no ambiguity when it comes down to the facts and what took place. The vet clearly states, IN NO UNCERTAIN TERMS, that the XXXX XXXX was the cause of my dog 's horrendous XXXX. AGAIN, I BROUGHT MY DOG TO XXXX XXXX 24 HOURS AFTER THE XXXX XXXX  TOOK PLACE. This is also clearly stated within my second letter which will be submitted again, if necessary.
I find it surprising that CITI bank can send me a ton of pages from years ago but can not honor a request to either provide me with an IP address, or something I signed stating that this card is mine. My identity was stolen and I am just trying to figure out what debts are mine and I would make payment arrangements if only CITI would provide me with this simple information. They even sent me a screenshot of a computer screen with a lot of information but not once did they send me anything with an IP address or a signature.
Wells fargo still continues to charge me MIP, when my over XXXX % in equity Mortgage insurance premium ( MIP ) Payment amount {$260.00} Premium amount {$3100.00} Frequency every 12 months Next due date XX/XX/2017
This company is a nightmare to deal with. I made my XX/XX/2018 mortgage payment on XX/XX/2018. Quicken/Rocket mortgage did not apply the payment properly. The credited it to Principal and escrow. They charged me a late fee even thought the payment was early. 

I made the XX/XX/2018 mortgage payment on XX/XX/2018. They credited the payment to XXXX and charged me a late fee even thought the payment was early. They are now claiming I am in default. 

I emailed them and called them. They refuse to correct the error. It is a scam.
I fell behind on my federal student loan as a co-signer. The servicer of the loan is Navient. All they offered me was forbearance. That was it. No income-based repayment. All of this transaction was recorded by Navient. I agreed to forbearance thinking that was my only option. What should I do to rectify this situation? Thank you.
I am a XXXX. I submitted a loan modification package to a lender on XXXX XXXX, 2016. The file is in the bankruptcy department. I had an attorney to write a letter authorizing the lender to be able to speak to the debtor and myself in order to assist with the application. The lender rejected the first letter that was sent XXXX/XXXX/16 stating that the attorney wrote Ladies and Gentlemen instead of " Dear Lender '' and they had to specifically say " I give " Lender '' permission to speak to the debtor. I followed up today and now they are saying it is being rejected because the attorney put they could speak directly to debtor or my company. They want the attorney to write another letter stating it is ok to speak directly to the debtor and not include my company. And in order for them to speak to me I have to send in a TPA from the debtor with their signature. I faxed over 2 different TPA 's originally when the first package was faxed over.
On the day of my visit at the old XXXX XXXX branch I was approached by a personal banker. This banker asked me what I needed help with. I advised him I needed several things such as ; cashing my check, making a deposit, and making a payment on a credit card. Unfortunately I did not get the personal bankers name. The personal banker asked if I had ever used the mobile app to make a deposit. I respectfully answered no. I advised the banker that I needed my funds today and I was unsure if I made a mobile deposit that my money would not be quickly available. The banker asked the amount of check and who it was from. I advised the banker that it was from my new employer. He asked why it was not deposited by direct deposit. I told him that this was my first check and they usually give a live check. I once more reminded the banker I needed my full funds today. Having that I had lost my job last month and this was my only cash that had came in within the last 4.5 weeks and needed to pay all my bills. Having that my bills were already past due including my car payment and rent. The banker advised not to worry that he would be able to take care of that for me. I dearly trusted this man so I used my mobile app to deposit the check in his presence. Once completed he then looked in the system and stated that only XXXX XXXX dollars would be available until the check was cleared for funds which could take up to 3 days having that it was Friday. I was speechless. I clearly had told him my financial state and he clearly disregarded it. I was very upset and I just did not want to be in this branch anymore. So for that reason I shall never go in this branch and or did recommend it. I understand it is not the entires company 's fault of how their employees work. But as company some bankers are giving Capital one a bad name and making us not trust you with our money. I would want this complaint to be read by the office of the president. As I would like to know what will be done to correct this issue company wide. Having that I now know that the bank branches get credit for each mobile deposit made within their facility. I felt very used and cheated out of my money. Now I am having my doubts whether or not I should even bank or continue financing one of my vehicles with Capital one. At this point I feel it 's worth to reconsider my auto loan, XXXX credit card loans, and my personal checking account. I trusted this bank having that I clearly have done business with them I believe it is intresting that the bankers are the ones getting credits for making us deposit a check through the app within their facility and not letting the tellers do their jobs. At this point that I have the availability of depositing my own check electronically what is the point of having tellers or bankers?
XXXX  has been non-compliant with removing the unverified account WELLS FARGO DLR SVC/ Date opened XX/XX/2012 which has been deleted by XXXX and XXXX . XXXX and XXXX have both completed their research and determined that WELLS FARGO DLR SVC/ was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I 'm enlisted in the XXXX XXXX stationed onboard the XXXX XXXX XXXX, XXXX XXXX which is in the shipyard at XXXX XXXX XXXX. XXXX 2014 I got a preapproved loan thru XXXX XXXX XXXX XXXX. I went to XXXX XXXX in XXXX Va. The dealership told me they could get me a loan elsewhere allowing me to buy the car I really wanted which was higher than my loan approval. I was approved through SNAAC, the dealership had me set up the payments as an allotment at the time of purchase. My command took me back to the dealership & the car was returned at no cost. I got a better deal elsewhere, however I did n't stop the allotment going to SNAAC. When I realized last month that I was always broke I went to XXXX to see about getting the money back from SNAAC, I stopped the allotment on XXXX. I spoke with XXXX on XXXX XXXX at XXXX and he assured me they would return my money to me, over {$3000.00}. I have not received my money from them as of this morning.
Citibank sent me offers weekly for months, including XXXX in one day. I finally applied for their card only to be told to call in. I did and they started asking all sorts of extremely personal information. Not trusting the questions I asked why they needed the info since it was all in my credit report. I was not given a reasonable answer so they said they would get me an answer in a week. I said that was just fine. I then received a letter asking for bank statements, phone bills, etc. This seems really sketchy to me. I called and was given the run around again. I have excellent credit and am very easy to find so I ca n't imagine it was an issue of credit worthiness or security. I told them to cancel the application and remove me from all offer lists. I also asked to have a supervisor call me. We will see if that happens.
I disputed inquiries on my credit report on or about XX/XX/18. I did not authorize the companies to make inquiries on my credit file. 

XXXX removed the inquiries promptly. However, XXXX and Equifax did not remove the inquiries. I am attaching the letters I sent to all credit bureaus. 

Please remove the inquiries from both my XXXX  and Equifax accounts.
After becoming aware of the security breach at Equifax, I checked their website to see if I had been potential affected by the breach. The website stated that it had in fact potentially been affected, but unbeknownst to me, in acquiring this information I had also waived might right to pursue any legal action against them ( this message was not displayed anywhere viewable on the page, but was apparently in the fine print ). Immediately after learning that I had been possibly affected, I attempted to place a freeze on my credit through Equifax online ( this was XX/XX/XXXX ). The website denied the request, stating I would have to send in physical copies of my SSN and other sensitive personal information to complete the request. However, my bank account was immediately charged the {$10.00} fee for a freeze request, despite it not going through. I attempted to reach out to Equifax via phone, email, live chat, and even XXXX with no response. Later on XX/XX/XXXX I called their automated freeze request line and was told that the freeze had been successfully and provided a PIN. My bank account was then charged AGAIN for the freeze request, another {$10.00}. With no way of getting in touch with someone at Equifax, I feel helpless. I was able to speak with one man at the dedicated Equifax Hack information line, but he had no idea what I was even talking about and continued to repeat that " they were working diligently to get the website working. '' I had to hang up after getting nothing else out of him. I 'm terrified that after this massive security breach, even freezing my credit scores wo n't be enough to protect myself, and being charged double by Equifax, who is actually at fault for this, is just adding insult to injury. I do n't know what else to do. Please help.
In  XXXX  of 2016, there were  XXXX  credit inquiries to my credit report that I did not authorize.
 XXXX / XXXX /2016-  XXXX   XXXX    XXXX / XXXX 2016- XXXX   XXXX / XXXX /2016-  XXXX   XXXX    XXXX  XXXX /2016- XXXX
On XXXX XXXX I received a notice from XXXX XXXX XXXX stating that Walmart/Synchrony XXXX had turned my account over to them. I called them on XXXX and discussed payments arrangements to begin paying back the debt owed. They set up me up on a 6 month payment plan where the payments were pre-authorized. 
I then received a notice dated XXXX/XXXX/XXXX from a different collection agency for the same account. XXXX XXXX XXXX XXXX stating that the amount due is now {$220.00} with an overall balance higher than the XXXX notice stated. I look at my account online and found that Synchrony Bank had been charging me a {$38.00} late fee each month of the payment plan I entered into with XXXX XXXX XXXX. When I called Walmart/Synchrony they stated that the payment amount I set up with XXXX XXXX XXXX was less than the minimum due and that 's why I was being charged a late fee each month. 
It does n't seem legal to me to turn my account over to a collection agency and still charge me a late fee each month. How is someone every supposed to pay off this debt especially when they 're trying to work with the company that the account has been assigned to. At no point did XXXX XXXX XXXX explain to me that the payment amount would n't be satisfactory or that I would still be charged a late fee each month. 
Not one person in Customer Service ( even a " manager '' )  seemed to understand that this does n't make sense. I informed them that I would be filing a complaint. 
In the meantime my account is still reported late each month which is further ruining my credit I 'm trying to repair.
I applied for an American Express Delta Platinum card. According to the promotion I " can earn XXXX bonus miles and XXXX Medallion Qualification Miles ( MQMs ) after {$3000.00} or more in qualifying purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. Also, a {$100.00} statement credit after the first qualifying Delta purchase is made on the Card within the first 3 months ( 92 days ) of Card Membership. '' I fulfilled all the spending requirements in early XXXX. Neither the miles nor the statement credit advertised under the promotion have been posted to my account. I have contacted AmEx several times by chat (XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). At each contact the representative has verified that I have met the requirements. Yet the bonuses have n't been posted, even though the time limits they themselves have specified have passed. 

I believe that American Express ' advertisement is deceptive, misleading and fraudulent
I believe this loan from Money Key is based on an Interest Rate that exceeds Maryland XXXX Law. Each payment is not applied to the principal ; in addition {$30.00} per {$100.00} borrowed is charged monthly. The unpaid balance appears to increase monthly. After approximately {$900.00} in payments I called in for an advance on my Line-of-Credit. I was told a payment of {$310.00} was returned and that payment must be made to access any available funds.
I have paid my bills on time and have a good relationship with my creditors. However, my new Amazon Store Credit Card issued by Synchrony Bank lowered my available credit by 20 % in less than 30 days with little or no warning until a letter was mailed explaining the reduction after the fact. A reduction of my available credit has caused an increase in my overall credit utilization. Such constructive activity by the credit issuer adversely affects my credit rating where my credit utilization will remain high based on the extreme low credit limits placed by Synchrony Bank. If Synchrony Bank would have left my initial credit limit, then my credit utilization would not be affected, and my credit score would remain steady, secure and much higher than it is today. I could understand if I was in default or habitually behind in payments, which I was not. Constructive credit practices by lenders that affect credit reporting without recourse or corrective measures should be unlawful or illegal especially when there is nothing wrong with the credit account.
XXXX has misreported my payment history. I have presented to Experian copies of my cancelled checks which they will not acknowledge
Hello, I was subject to multiple " unauthorized chargeback '' scams on PayPal. 
at XXXX i received a notification email from PayPal saying a case had been filed and required a response from me. 
At XXXX I received an email thanking me for getting in touch ( which i had n't, i was asleep ) and that the case had been resolved in favour of the buyer, as i was not " eligble for seller protection '' insurance. 

This can not have been properly investigated and i feel PayPal are punishing me for not using the seller protection program. There is no way they could have investigated this case thoroughly and i am now left out of pocket with a negative balance which i am sure PayPal will pursue.
In XXXX 2017 I noticed an account on my credit report that had an error and asked verification of debt from XXXX, and XXXX. Because they could not verify the debt the account was removed from the report. Then another company, Portfolio Recovery, bought that same debt and reported it to XXXX  and XXXX without sufficient verification of the debt. Once again, I wish for it to be removed.