WillisBack/dataset-financial-user-claim huggingface dataset:
I 've been battling with XXXX XXXX Bank since XXXX XXXX, pertaining to a Home Equity Line of Credit. This account was mishandled by XXXX XXXX Bank, subsequently XXXX XXXX Bank agreed they would not attempt to collect any funds for this account and they released any liens against me an my wife pertaining to this account, however XXXX XXXX Bank continued to report a past due balance on my credit reports and my wife 's credit reports for almost XXXX year. My wife and I contacted the Credit Bureaus multiple times to remove the incorrect information. XXXX XXXX removed the incorrect information, however XXXX and Equifax have continued to report incorrect information on our credit reports, this has been extremely stressful, extremely time consuming and has drastically effected both of our credit profiles. XXXX XXXX Bank 's callous disregard for providing accurate information to XXXX  and Equifax is truly egregious and XXXX and Equifax 's unwillingness to correct XXXX remove the false information from our credit reports has been extremely frustrating.
Re : Acct # XXXX According to Navient and another collection agency called XXXX XXXX XXXX XXXX, I am indebted to them in the amount of {$11000.00}. I have on numerous letters requested validity of their claim. All that l have been receiving spreadsheets with numbers on them. I have reached out to all 3 Credit Reporting Agencies, XXXX XXXX XXXX XXXX, and Navient on numerous letters ( Please see attached letters and their responses from Navient ) have FAILED to honor my request. 

I have no knowledge of the validity of the alleged debt, nor of the certifiably compliant matter to either its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known to Navient any debt claim must be pursued for collection in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection regulations associated with said claim to include but not limited to the FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, Navient has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitant to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim by Navient and I call on the CFPB to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requires to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
Hello! my name is XXXX XXXX. and i would like to file and complaint unlawful act. I have try speaking to this company in regarding this matter to get this resolved the company name is quick loan mortgage and as rocket loans neither of these company. I haven't try to apply for any type of loan speaking with this this matter has became and big issue than it should never even contact me no kind of way about this manner. i did some research and found this information on my own trying to get this dispute because i have no acknowledgement of these inquiry i decide to turn to your company for help to get this matter resolved.
XXXX XXXX from XXXX XXXX threatened to have law enforcement come to my house because I said I could not pay my debt at this time. She also called an old acquaintance and told her she was a debt collector looking for me. I do not know how they got her information in the first place since she has nothing to do with me.
My student loan was closed due to my XXXX XXXX   XXXX from the Veterans Administration. I was forced to take all three credit bureaus to court. TransUnion is still reporting incorrectly. I am being reported as a XXXX status showing collateral debt, which is incorrect. There is no collateral ever used. I have contacted both the XXXX XXXX XXXX and Transunion to correct. The XXXX XXXX XXXX states that it is Transunion reporting incorrectly. My attorney has advised me to submit here to start the `` Trail of paperwork '' to show attempts to correct.
I ed learn that in summer XXXX and again in early XXXX TransUnion experienced a database glitch that deleted EVERYONE 'S TransUnion Inquiries. Once the glitch was realized, TransUnion added them back to your report. I contacted Transunion and asked regarding this glitch but I was told that is not true, I reviewed my credit report and noticed that the inquiries are back in after being deleted. They added back without giving me legally required written notice 5 days prior to them be re-adding, these inquires are a hardship and my rights were violated by transunion.
Bank of America is not offering a fair solution to resolve my loan issues. They are re-requesting the entire information I have sent several times, plus adding additional information for me to submit. Bank of America made me wait over 1 year and 3 months to deny me at the first level. This is costing me thousands of dollars in increased loan payments. 

Bank of America is now wanting me to go through this entire process again. My property managers haves suffered as well as far as having to submit and re-submit documentation showing rent. Now they are threatening to quit as this Bank continues to put me though XXXX and back. This agency needs to do something to keep this bank in check.
XXXX is an account that I acquired due to a student loan. It is currently reporting as an unknown item on my credit report. They are XXXX different accounts. I have asked that they be combined, but they have stated that they are unable to combine them into XXXX account. Therefore, for the last XXXX months I have been making payments to all three accounts. {$100.00}, {$25.00} and {$25.00}. I was only able to afford {$200.00} extra in my budget. But the payments have come consistently and they have accepted them. Not only have I paid them for the last XXXX months consistently, it has come at the same time every month. 

After the second payment, I received an alert that the account was reported as negative again. This alarmed me because I had made XXXX payments consistently. I contacted XXXX and asked why they hadnt reported making payments or paid as agreed. They informed me that the credit bureaus needed to report it that way. But after the third month, it again reported it the same way -- -- a negative status. 

Not only have I reached out to XXXX regarding this, but I have also reached out to the XXXX major credit bureaus. They only report the payment going lower and not the payment itself. 

This reporting has caused my credit report to continue to decline in numbers. I am requesting that this be resolved immediately. The payment should be as follows : XXXX. XXXX -- - XXXX XXXX/XXXX/XXXX {$25.00} XXXX. XXXX -- - XXXX XXXX/XXXX/XXXX {$25.00} XXXX. XXXX -- XXXX XXXX {$100.00} In addition, this is reported wrong. It should be categorized as a student loan, not other.
Equifax requires the following items to get a credit report and it discriminates against the elderly and retirees. 
Identity Requirements Social Security card Pay stub with Social Security Number XXXX form Address Requirements Driver 's license Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills ) I am retired and do not work and do not drive. I do not own a home or property or pay rent and can not meet the address requirements. I have banking accounts that I receive at the address I reside at.
I can not obtain a free credit report from them.
Loan matured XX/XX/XXXX.

Loan extension was requested prior to maturity but terms of modification were never disclosed to me. I was not willing to pay trial payments without knowledge of the modification terms. 
In XX/XX/XXXX, I requested a payoff amount to pay loan in full. I received a payoff quote charging me interest up to the end of XX/XX/XXXX which is way pass the maturity date. I requested to have an updated payoff with interest up to the maturity day. the investor stated this is not allowed. I checked the credit agreement today on XX/XX/XXXX and no where in the agreement it says they can charge interest past maturity. in fact, there is language that talks about a balloon payment at maturity where all interest and principal is due up to that point. that is all I want to do - I want to pay the account accurately and in full up to the maturity date. they stated if I pay less than that then the account will reflect as settled and non paid in full on my credit history. I do n't agree with this. in addition, today 's representative " XXXX '' stated that there is default language in the agreement that states they can charge interest pass the maturity date. this is a lie as nothing is stated in the agreement regarding default. he proceeded to hang up the phone when I asked for the language he was referencing.
I have owned a XXXX dividend reinvestment account for several years. This year the administering agency ( XXXX ) sold the account to Wells Fargo Bank. When I tried to retrieve my 2016 XXXX for this account from Wells Fargo, I was presented with an on-line agreement to waive my rights to receive hard copy tax documents in order to access my XXXX. I have been advised that this agreement violates existing federal law, and I consequently refused to sign the online waiver. Your assistance is requested to force Wells Fargo to provide me with hard copies of my annual tax documents free of charge.
I am filing a complaint to Chase Bank in regards to the response that I received from the bank for initiating a refund process for unauthorized transactions of amount {$790.00} from my checking account. I appreciate their response to my complaint, but the response didn't address my issue as well as it didn't help me finding a solution. 

As their response ( attached document ), the Chase Bank sent me a 30-page booklet of " Deposit Account Agreement Privacy Notice How to Contact Us '' and a general explanation of 60 days time frame of claiming a refund. 

The amount of {$790.00} of unauthorized transactions happened between XX/XX/XXXX and XX/XX/XXXX. I immediately contacted the bank and filed a claim according when I first noticed those transactions on my bank statement on XX/XX/XXXX. So, all those unauthorized transactions happened within the past 60 days since I filed the claim. 

The bank in their response didn't address those transactions. However, they mentioned a transaction happened in XX/XX/XXXX. Unfortunately, they didn't explain enough how the XXXX transaction got linked with the unauthorized transactions. 

Again, Chase Bank 's response by sending some printed legal terms and general information didn't help me to find a solution. I would sincerely appeal to the bank to initiate a refund process so that the party/company who got the {$790.00} of unauthorized transactions can refund the amount. 

I've been with this bank for more than 20 years- I opened the account with the then XXXX XXXX/XXXX  XXXX. I hope that the bank would consider the suffering of a small account holder like me where {$790.00} is a big deal. 

Thank you,
I refinanced my mortgage in XX/XX/XXXX for 15 years with CitiFinancial Mortgage Co., Inc. The note had a Timely Payment Rewards XXXX which would drop my interest rate by 0.05 % if I completed with XXXX conditions. Good Payment History ( never being late ) and the $ XXXX. Loan Equity Builder where I sent in an additional {$100.00} every month which would result in my note being paid off in 8 years and 8 months, ( per Loan Equity Amortization ). This would result in my note being mature on XX/XX/XXXX. I have been watching the balance owed and noticed that there was more owed on the note than should be. This began several phone conversations with Citi and then I began corresponding in writing. When Citi applied the above mentioned Rewards XXXX, they changed the amount of monies that were being applied to the principle therefore extending the note by ten months. If you take the difference in the XXXX month of the note and apply that to the principle, then my note would have matured this past XX/XX/XXXX. Citi states that they did not apply monies incorrectly and they changed how the principle/interest is applied. I think this is a breach in our contract. I have several letters of conversation back and forth between Citi and myself, which I will attach.
21st Mortgage, as part of my agreements with them, is to pay my homeowner 's insurance and property taxes every year. They escrow for this but twice they have failed to pay all of my property taxes and this year they failed to pay my homeowner 's insurance and caused it to lapse.
I applied for a chase XXXX rewards premier plus card via XXXX ( where the offer was initially made ) XXXX XXXX XXXX  and than I was redirected to chase on the XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). Application was processed and approved as per online application. I was than stated that I was going to received the card in about 7 business days. I now today XX/XX/XXXX access my account and noticed an annual fee was applied for {$95.00} when the offer I applied for was for a {$0.00} intro annual fee for the first year, then {$95.00} after the first year has passed and a {$200.00} credit after first purchase within 3 months from account opening. I contacted chase today to verify what is going on and the first agent mentioned the offer is not valid online via chase at it seemed the site may have not  updated it on their end and therefore being an old offer and the other answer was that they don't know what happened and that I was redirected to another site that wasn't offering the promotion. As a XXXX myself and working as well in XXXX  this is an unacceptable answer. I spoke to the supervisor XXXX and I mentioned to her my credit was ran therefore affecting me as an individual because it was ran for a useless purpose. She stated there is nothing she can do and can not give the {$200.00} credit offer nor reverse the {$95.00} fee. It is upsetting that such a huge company could care less for their consumers and needless to say have consideration and accept the responsibility of their incompetent system if that is the case. I take this personal as I am a person with a good withstanding credit and I would have not applied if it wasn't because of the offer was there. To me this is false advertisement and misleading as once again I applied mainly to take advantage of the offer being made otherwise I would have not applied. As a consumer is only shows me that I can't trust companies and it's insulting as a consumers because they are very dismissive without a care to the individual.
I have contacted XXXX XXXX and informed them the debt from XXXX did not belong to me. In return, they sent a bill ; they DID NOT provide proof of a signed contract, signature or ID verifying that the debt is mine. XXXX XXXX  continues to report to XXXX this erroneous debt although they DID not verify nor validate the disputed debt. In addition they are reflecting this account was opened in XXXX 2016. I did not open an account and did not give anyone permission to obtain an account using my personal information and are not responsible for the charges they are reporting. This needs to be removed from my credit report in its entirety and not return.
The lender has failed to provide a response to our QWR -Qualified Written Request that was submitted to them on  XXXX / XXXX / 1  7 - This is a Violation of RESPA guidelines and we are unable to provide our client with an adequate review and assistance to the ir delinquency with no response to the loan history being requested.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX-XXXX  reported a collection account to my Equifax file. I received notification from Equifax and submitted a dispute. Equifax responded saying, " We verified this item belongs to you. '' I have no knowledge of ever receiving services from XXXX XXXX XXXX XXXX XXXX and I have no idea who or where they are. I have never received any bill from them and can not locate them to ask questions about the charge. Collection agency XXXX XXXX  XXXX has never contacted me by any method to attempt to verify or collect. They simply reported it to my Equifax file. XXXX XXXX XXXX does not answer their telephone : I called numerous times over 8 days and got the same recording every time, " XXXX XXXX XXXX is not answering. This mailbox is full and can not accept new messages. To disconnect, press 1. '' XXXX XXXX  XXXX has effectively blocked me from obtaining any information about this charge, and instead damaged my credit by reporting a charge I have no knowledge of and have no way to get more information about.
On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from citi on XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard inquiries on my credit report which is affecting my credit score
Around XX/XX/2007 my wife XXXX XXXX and I applied for a home mortgage from Wells Fargo Bank. Wells Fargo Bank in order for us to receive the loan with them required my wife and I to take a line of credit also.

Wells Fargo told my wife XXXX XXXX that in order to get the loan, the first loan on the house they were funding us for ( XXXX XXXX XXXX XXXX XXXX Ca ) we must take the line of creidit which will be like a second loan on the house.

Our mortgage with Wells Fargo would be conditioned, would only be granted if we took the line of credit - Were they ( Wells Fargo ) desirous of us using the line of credit and ultimately having to pay them interest fees on the line of credit?

I hypothesize so. Entrapment.

The issue is our home loan would only be granted if we agreed to their demand we take a line of credit.

The salesperson exploited my wife XXXX.

Evil. Evil. Give the customer the line of credit and hope they do not pay the full amount and charge them interest. Buyer beware indeed!!!!
I had a family emergency in XX/XX/XXXX and took out an {$800.00} loan from a company called Big Picture loans. I was told by a representative of the company that I would have to pay back {$1000.00} which included a {$200.00} finance charge. I thought that was kind of steep but I agreed to that term. They begin taking out {$200.00} bi-weekly out of my account. Once I reached the {$1000.00} and assuming this was my last payment, I get an email XX/XX/XXXX from them stating it 's time to process another payment out of my account in the amount of {$220.00}. I immediately called Big Picture loans but could not get anyone on the line. I conducted some research online and discovered they are predatory lenders. I took a closer look at the Disclosure statement and this is what I discovered : the interest rate of 650.0065 % and a finance charge of {$4200.00} with a total payback cost of {$5000.00}. This is ridiculous. How can they charge me {$5000.00} for an {$800.00} loan? I have paid them the {$1000.00} that I agreed to If this was explained to me during the time of taking the loan, I would have refused to take it. Please help me obtain some resolution to this issue.
Still at with Lexis Nexis. At last count, 39 Disputes. As of XX/XX/XXXX the fix has been ; We have now no Car ( we own one ) We have now no Home, no Home at all. We bought, own and maintain a Home since XX/XX/XXXX. 

The previous property listed prior to XX/XX/XXXX we walked away from. A Home Listed in A Bankruptcy that was discharged in XX/XX/XXXX. My one of many deliberate reasons I have issues with Lexis Nexis. XXXX Deliberate as I have disputing this among many more created and stubbornly refuse to correct.
XX/XX/XXXX : XX/XX/XXXX I am on a fix income and get paid once a month. Two times one in XX/XX/XXXX amount of {$53.00} dollars was deducted from my account from a closed account I closed a month earlier, second time {$48.00} was deducted from my account XX/XX/XXXX by a business I did not even know are agreed to.I had only ten dollars are less, but the bank, ( US BANK ), still  deducted the fees and charged me a {$73.00} dollar overdraft, ( THAT I DID NOT ASK FOR ) .They should of called me are not even allowed this without my approving.I called them at the fraud hot line to report I error, they said the second charge, ( {$48.00} ) would be taken off, ( I CALLED US BANK ON XX/XX/XXXX ) and still the charge went through.I have no overdraft agreement so nothing should have been done.
I do not answer telephone calls from numbers I do not recognize. I received a telephone call from XXXX today. When I did not answer the call, my front desk receptionist called me a few minutes later telling me she had received a call from the same number, and said the caller identified himself as a XXXX XXXX with Merchants & Professional Bureau of XXXX. He told her he needed to speak with me about an outstanding debt.
He said he needed to speak with me to discuss this personal situation and the receptionist told him we are not allowed to receive personal calls at work.
This was VERY disturbing. I do n't know what the call was about or who this company was representing, but I never thought an individual identifying the company he represents as a debt collection business could call people at their place of employment. I do n't know what the call was about but I was VERY embarrassed. My boss then called me in to her office, wanting to know why I was getting personal calls at work.
There are several accounts falsely reported to my credit report. I complained to the FTC, and directly to the credit bureaus. I submitted copies of my DL, SS Card, Current Bills, ETC all to prove my identity. I asked them to match the signatures on my DL with the signatures on the accounts falsely opened in my name. 

-XXXX XXXX XXXX/XXXX XXXX XXXX : {$3400.00} -XXXX XXXX XXXX/XXXX XXXX XXXX : {$120.00} -XXXX XXXX/XXXX XXXX : {$330.00}
At XXXX, I discussed my overdrawn commercial act with local TD bank personnel who was very helpful and refunded half ( around {$50.00} ) the overdraft fees I had accumulated over the past 61 days of inactivity. 
At XXXX on Tuesday, XXXX/XXXX/16 I deposited {$750.00} into the same commercial act. Later that same day I checked the account through the online TDBank app and saw that the first {$100.00} of the deposited check had been made available ; half paid the outstanding fees and roughly half showed up as the account balance. 
On Wednesday, XXXX/XXXX/16, the commercial account no longer existed on my TDBank app. I went to the branch and they told me the account had been closed due to 60days of inactivity with a negative balance. So I asked them to deposit the check into my personal account. 
On Tuesday, XXXX/XXXX/16, I still have not seen the check deposit show up in my account and was told that it still had not cleared. I complained. 
I think the offsite, non-branch personnel closed the account knowing that there was a recent deposit because they did not agree to refunding back some of the overdraft fees. 
I think they are withholding funds until they figure out ( and agree ) to charge me the full outstanding charges on the closed account. 
* The bank manager just called ( XXXX/XXXX/16 ) and said they would deposit an amount, less half the outstanding fees, as agreed to in the beginning. Yeah! 
In this instance, I think the local branch personnel who are generally very professional and customer-oriented were able to convince the offsite people to relent.