WillisBack/dataset-financial-user-claim huggingface dataset:
I am a XXXX % XXXX veteran. In XX/XX/XXXX I was injured during a tactical confrontation in XXXX XXXX. In XX/XX/XXXX, I was referred from the XXXX XXXX in XXXX XXXX XXXX Florida, by my primary care physician to see the doctor outside of the XXXX XXXX. The specialist was for XXXX  XXXX XXXX and XXXX XXXX. The XXXX XXXX contacted the office, they had discussed payment with the outside care provider and they agreed to take me on as a patient. Shortly after my visit to that office, the clerk who worked at their reception desk attempted to collect the fees for their tests directly from me. I had already provided all the pertinent details about payment. It was to be handled directly with the XXXX XXXX, not by myself. As XXXX % XXXX with the VA for combat injuries sustained while XXXX in defense of out great XXXX. The doctors office continued to harass my wife and myself for payment. I had gone to the XXXX XXXX  with a copy of their bill and they had agreed to get in touch with the doctors office and handle they payment they so feverishly attempted to collect from me even after all the proper insured and va documents were provided. I had be reassured this debt was not mine to pay by the VA and their patient advocate. Years later and the debt has now been put into collections, it has been damaging my ability to buy a home for my wife and son, my family. It has disabled me from buying a family car, home, rentals and the like. This has been hanging above my head for a couple years now. I attempted directly through equifax credit agency to dispute this debt owed by the VA hospital to no avail. The debt is not mine to pay yet I 've been paying for it for years because my family can not use our credit to acquire a home or a car. The dollar amount is not mine to pay, {$260.00}. I have been retired from military service and receive a fixed income as a XXXX % XXXX veteran. I can not afford to spend the money that is n't even mine to pay. This has been a losing battle no matter what I have tried to get this debt extinguished. Please help me get this shut down. I really need to do better for my family and having this derrogitory mark on my record is the only thing currently holding me back from being the provider and husband I need to be.
We have been receiving automated " robo-calls '' from an anonymous source for months. This past week we received a personal message from Van Ru Credit Corporation. We called them back and they immediately asked for confidential personally identifying information over the phone ( last XXXX digits of my wife 's social security number ). When we refused to give that to them, they refused to give us any information about what they are calling us about. We have never dealt with this company and we have no known outstanding debts owed to anyone. They would neither confirm nor deny that they have attempted to notify us through mail, nor would they agree to send us correspondence by registered mail. They would not provide us with the address they have on file despite the fact that they obviously have our home phone number. They would not tell us what the matter was about. They would not tell us how long the matter has been outstanding. At this point we have no information other than the phone number they left on our message machine and a completely unproductive personal phone conversation. The phone number we received and called is : ( XXXX ) XXXX extension XXXX.
I was sent a new credit card that had the last 4 digits of a card I already have. It said a Visa a Signature card. The heading on the letter said it was from XXXX. A typical looking credit card except it was a little thinner than most cards. There was a sticker on the card to call a number to activate the card. I tried three times with the automated system to give my numbers it kept rejecting them. They connected me with a person who took my numbers but again it didn't work, so he asked for my Social Security number to check it. I hung up realizing it was a pretty slick scam.
I received a XXXX prepaid card from XXXX XXXX for overcharges on my account when I closed out the account in XXXX. The XXXX card is issued by Citibank , N.A . pursuant to a license from XXXX XXXX XXXX. The amount of the card balance was around $ XXXX {$16.00}. The card number is XXXX, security code XXXX, with an " good thru '' date of XXXX ( XXXX XXXX ). 

On attempting to use the card in XXXX XXXX and XXXX XXXX, it was rejected at purchase site ( s ). I called the toll-free number for customer service on the back of the card, XXXX. The Citibank customer service agent told me that the card had a {$0.00} balance because after 3 months the bank starts automatically deducting {$5.00} on the first of every month from the card balance for maintenance fees. Therefore, the entire balance was eliminated in maintenance fees. I explained that no where on the card did it explain this feature of the card and any card-holder would be unaware. Nice way to make generous profits for Citibank. The agent explained there was nothing that could be done except discard the card as it was no good any longer. So I lost the entire amount of the card due to Citibank not explaining to the cardholder the maintenance fee associated every month. Gift cards should not have maintenance fees or " GOOD THRU '' dates if that is the policy to erode the card balances with fees. It is really not GOOD THRU any predetermined date. 

I believe this is a very, very unethical practice and should be stopped or make Citibank pay a substantial fine for unethical behavior to consumers. It is really theft by deception!
My home address for the last 38 years has been  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx,  XXXX . We did have at  one  point a property on  XXXX   XXXX   XXXX   XXXX   XXXX , Tx. On my credit report, there are two addressess I have never lived at and I have no idea who they pertain to, these addresses are   XXXX   XXXX     XXXX   XXXX ,  XXXX   XXXX , Texas  XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  and  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX , tx  XXXX .
I have tried to resolve this alleged debt owed from  XXXX  to  XXXX . I tried to contact  XXXX  in reference to this bill and was told they no longer handle the account. I contacted  XXXX  initially via phone but they were not interested in anything besides how was I going to make payment. I had  XXXX  at a previous address other than the  one liste d on the bill that was provided to me as a validation. The previous bill was handled through an amnesty program I was awarded after the equipment was returned. I am not sure where this bill is coming from and why. I requested a contract to show me agreeing to any terms and conditions regarding this account. I am more than sure there is no t one but I  requested it just in case I w as remiss. I  do n't know how or when this account was set up. There is a previous balance listed on the statement that was provided but the statement is incomplete and does not show what the previous balance entailed. After not receiving any assistance from  XXXX  I contacted the credit bureaus directly I never received a response from the but my credit report has been updated as account meets FCRA requirements. I would like to know what documentation or information did they receive that validated this account and meets FCRA requirements.
On XX/XX/XXXX my wife ( XXXX XXXX ) and I purchased a couch for {$3000.00} from XXXX XXXX using their same as cash off and we opened a CapitalOne card ending in XXXX. The payment terms were {$51.00} per month for 59 months and the remaining balance to be paid in month 60. For theXX/XX/XXXX bill due on XX/XX/XXXX the payment was processed onXX/XX/XXXX For theXX/XX/XXXX bill due XX/XX/XXXX, 2 payments of {$51.00} we made and processed by CapitalOne. An automatic payment was scheduled where CapitalOne was to receive payment by the XXXX of every month. 

My financial documentation shows all payments for fiscal year XXXX were paid by the XXXX of each month. Please find the attached proof of payment documentation provided by my financial institution XXXX. CapitalOne in a written letter to my wife and account holder, states the account ending in XXXX has been delinquent since XX/XX/XXXX I am not sure how CapitalOne defines delinquency, however, as stated earlier, the attached proof of payments disputes any delinquency. A final payment {$1400.00} was made on XX/XX/XXXXto pay off the original balance of {$3000.00}, 3 years 8 months after purchasing the coach and more than 1 year early from the original terms of the financing agreement. Since then Capital One has harassed my wife saying, we owe additional money due to late fees and interest fees. The attached documentation proves all payments were made on-time and no late fees or interest charges should have ever been assess to her account.
Opened a Visa account with B of A XX/XX/2007 and have had impeccable credit history with them since. In XX/XX/XXXX with no reason or forewarning they closed the XXXX credit limit with a {$9700.00} balance owed which reduced my credit score to a non lendable status/ score for a current loan I 've been working on. They also informed all XXXX credit bureaus immediately of this closure without informing me. Complete deformation of my nine years of credit with B of A. Will attach a recent credit report as proof.
XX/XX/XXXX I reached out to Equifax to dispute inaccurate information on my credit report. They claimed to open an investigation and found the information was correct. I asked the, to verify that the inquiries were in fact done by me and they could produce no evidence. Therefore, it is unfair with no evidence to assume the inquiries belong to me. According to law, anything on my credit report that is inaccurate information has to be deleted. It can only stay on my report if their is evidence and this bureau could not find any because they were never done by me.
Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complete credit solutions acct XXXX is inaccurately reporting on my credit. Per federal and state laws a collection agency must not falsely debt clams and this account is reporting an inaccurate debt balance of an erroneous account. It is also a false statement and a violation for a collection account to report the account type inaccurately. This account is a collection account and is reporting as a factoring company account on my credit. This is inaccurate reporting. A debt factoring account reflect current debts on open accounts not closed debt that is sold to a collection agency written off as bad debt by the lender.
On the Bank of America website, specifically related to their Cash Back Rewards program, they have misleading information, stating an illustrative example of calculating annual cash back which is not actually possible through the program 's stipulations. They show an example of getting {$24.00} a month in cash back by spending {$1400.00} in a month in various categories. They go on to say that you would be able to get {$290.00} annually ( $ XXXX times 12 months ) in cash back in their example. However, their program only allows {$2500.00} of qualifying purchases per quarter, so their example would have you spending {$4300.00} quarterly ( {$1400.00} x3 ) to achieve the results, but the program only allows {$2500.00} quarterly so a large share of your spend would be disallowed for the rewards. This is very deceptive. It is actually possible to get {$300.00} cash back annually but only by using their card strictly on gas alone. This is not made clear in the outline of their advertisement.
I started a refinance with Paramount Equity in California on XXXX XXXX. It is now XXXX XXXX and they keep stalling about the settlement. They told me 4 weeks and 2 weeks ago that I would have it settled by now. I have not heard from my worker and suddenly I have an email that I have to have another appraisal. I have no explanation about what this is about. 

I have immediately sent them any papers they requested. The only thing that I was late on was my income tax. My income is so low that the tax preparer told me that I would not have to do an income tax since it does not vary. Anyway, I immediately filed the income tax. I finally got a copy of it and sent it to the person handling the case then. She said she did not get a copy. Then she said she did not get a copy from IRS. 

The above incident took time. I contacted the woman who sent me my return at IRS. Still nothing was sent to this woman at Paramount. I did not hear anything more from her so I assumed she had obtained the Tax return. Valuable time was lost because of this. I eventually went to my Congressman, XXXX XXXX. He got the tax return. 

They sent me a letter saying they were denying my refinancing. After I complained to the organization itself, they wanted to work with me again. They said they did not need my tax return. It sounds like they might have lost the tax return. 

They promised me they would settle today. Instead I get a request from a person to call them to have another appraisal done. The last appraisal cost {$400.00} dollars that I borrowed from my son. I paid XXXX dollars to have my house cleaned as then I had a XXXX XXXX. 
I can not afford XXXX dollars now. If they had worked consistently and gave good customer service, it would have been done by now. We probably would not have needed the appraisal. 

They told me that I could get a cash out of XXXX XXXX and XXXX XXXX to cover my debts. Then two weeks later another person calls me and said no way I could get a cash out as my debt to earnings ratio is not great. 

I expected this to be over by XXXX at least. By that time I would have my debts paid and able to live on my income. I had to take out XXXX other credit cards as I was not able to live on my income because I had to pay debts. 

I have asked Paramount Equity and the whole list of people I have worked with : XXXX XXXX, XXXX XXXX, XXXX XXXX, and now XXXX XXXX to let me know what is going on and do not leave me stranded.
Received a call from XXXX. Rep stated I owed a " XXXX '' monies from XXXX. I do not recall this alleged debt. It was also stated account was opened XX/XX/XXXX, which today is XXXX. I did not receive any mailings from this company.
I am a victim of identity theft and I sent my dispute to this company on XXXX.XXXX.18 attached with relevant documents for their verification but to my surprise these company is still reporting these fraudulent account. -- - this is not my account. I am not liable on this account. Delete this from my credit report.
I have never been this stressed out and upset with a process, it is absolutely unacceptable that my income is not being used even though Im providing proof of my income. It has been difficult to contact the specialist from Fay Servicing on my case which is XXXX XXXX. I have an organization helping me and they have not had any luck contacting her either. I have gone to the office of the people helping me and when they call Fay Servicing XXXX XXXX is either out of the office, or she has the flu or she is on another call. I ask for them to send her an email to call me or the organization helping me and they have not. XXXX XXXX supervisor has not contacted us either. The reason for all of this is because I want to know why for the third time they are not using my correct income. One of the times I was denied was due to me not circling my rent deposits on my bank statments as stated by XXXX XXXX. How absurd is this? Now I circled my rent on my bank statements and I sent everything over and they denied me for having low income. When I called in and asked what was the verified income they used to review my case I was informed by another Fay Servicing agent that the income used was {$1300.00} of course I am going to get denied because I dont receive this in rent. I receive more than {$6000.00} in rents. They are still not using the correct income. I dont want my home to sell and its become so stressful I have ended up in the hospital.
Closed on a refi with USAA on the XXXX. Was told the payoff and small cash out would be wired Monday the XXXX. That day comes and goes, same with the XXXX, and with the XXXX. Each time they tell me, " it will be there in the afternoon, '' each afternoon, nothing. I assume if I call them again today I will get the same answer and same result. 

I was dissatisfied with USAA from the beginning, the Loan Officer took my info and handed me off to processing and have not heard from him once since. About a week or so after talking to him I get an email saying USAA will stop the process if I do not submit documents right away, there apparently was a deadline I was unaware of and that deadline was a hard and fast XXXX. I should have just stopped then and there. 

Today Thursday XXXX they tell us the funds have been released. If it is going to take 10 days then tell me that, do n't tell me 3 business days and then drag it out. 
USAA is not the place to get a mortgage.
Wells Fargo Card Service & XXXX  XXXX are reporting a negative balance on my credit but this debt was included in my DISCHARGED Chapter XXXX Bankruptcy - XXXX docket. 
By law they are not to continue to damage credit and attempt collection of debt after a discharged bankruptcy.
Notice of Transfer of Mortgage loan was not provided in a timely manner. 
Transfer occurred XX/XX/XXXX Notice occurred XX/XX/XXXX
We have a been working on this file since XXXX/XXXX/15 as a short sale there was an appraisal that was done via Rushmore bank and there was an offer to meet the min net per the appraisal. Rushmore denied the offer and stated that they will only allow a DIL as the payoff is XXXX however the unpaid principle balance is XXXX. We have tried to reach out to the investor on the loan and have had no response except to call Rushmore. Please help us to get this bank to allow a short sale. I feel like they are setting us up to foreclose.
XXXX XXXX XXXX states I owe collections and I never got a collection letter. I have no knowledge of this collection. Second of all they reported on my credit through transunion has collections type under XXXX XXXX XXXX C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, XXXX XXXX. Now through XXXX they report the account has a factoring account under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. The one collection that which they claim I owe {$240.00} is now two accounts of {$240.00} with two different addresses and the company name the same with resurgent on one. I can furnish my credit report if needed to show proof. But the CFPB will have to request it from me first because im not falling victim of illegal practices and/or scams. So I never got a collection notice and this company is reporting two different types of collections one on XXXX   has a collection account and one on XXXX has a factoring account.
I have trouble with my transunions credit report. I have a XXXX hard inquiry with XXXX. I talked to this credit company to find out that I never had an account with them. 
Transunion needs a letter telling them that i do n't have an a account. Just please state that I do n't have an account with you and resolved this problem or at least with direct me to the person who can help me.
My client, XXXX XXXX XXXX sent me a {$38000.00} wire transfer into Wells Fargo Bank on XXXX XX/XX/2015. Wells Fargo claims they made a mistake and wire transferred my funds to XXXX XXXX XXXX. Wells Fargo banker XXXX was fired in the XXXX, Georgia branch for opening up unauthorized accounts. XXXX XXXX XXXX is claiming ( verbally ) that they never received the funds - - - I need them to put that in wiring and on signed letterhead and Wells Fargo says they will refund my money. 

Wells Fargo should refund my {$38000.00}. 

XXXX XXXX XXXX, XXXX
I checked my credit and I discovered false information on my credit report. They have the wring birthdate and I never used XXXX XXXX, XXXX, eos cca, eos caa. I dont use my credit. I requested this information be removed and I heard nothing.
Bank of America is charging intrest and late fees before the 30 days time has elapsed. They repeatedly charge interest and late fees on the recent purchases even though I pay the total amount due every month. I have contacted them and they have reversed these charges each time as they agree that the intrest and late fees were applied to my account on amounts that I had not even seen a statement for yet. However, on the next billing cycle they do it again. I believe they are trying to essentially steal money from people that are not paying as close attention to their account as I am.
Sun trust bank is charging me over draft coverage charges. I have no overdraft coverage on the account and have file complaints in the past about this illegal practice. Further, there should not have been any over drafting because ample money was in the account on the day in question,  XXXX / XXXX /  XXXX  . I personally electronically transfer money from my  XXXX   XXXX  account to the Sun trust account before  XXXX  on that day.     There was no over draft because I do no have over draft coverage. If there is insufficient funds then the transaction should be denied. However there where sufficient funds.
I disputed inquiries in XX/XX/XXXX both through the website and on the phone. They have not removed them. I do not recognize these inquiries. 

XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Complete Dept. Stores Phone Number Address XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Phone Number Address XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type All Others - Business Machines, Catering, Vending Machines, Schools, Aircraft Leasing, Railroads, Clubs, Lodges, Shopping Centers, Travel Agencies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Phone Number Address XXXX/XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 
Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Phone Number MAIL ONLY Address XXXX XXXX   XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Phone Number Address
I borrowed {$300.00} from XXXX, also known as Castle Payday Loans. I have made several payments to them that totals close to XXXX. When I tried to go on the Website to pay the full amount, they would immediately take the website down. There trying to make me pay XXXX for {$300.00}.
I have two personal loans on my credit report from XXXX. I have no idea what these are or the amounts. The loans have no account numbers on the report and XXXX is no help. the loans are for {$18000.00} and {$27000.00}.
I have requested that B ank of America remo ve PMI from my mortgage, in accordance with the federal homeowners protection act, which states that once the homeowner reaches 22 % equity the bank must remove PMI. I have reached that mark, but they refuse to remove PMI unless I pay to have an appraisal done. In reading  the U.S. code 4902 it just says  that once the consumer reaches the 22 % equity mark, based on the original price of the home, the PMI must be removed automatically by the bank. I have spoken to the bank, but they refuse until I spend the app rox. 400.00 for  the appraisal. I can find nowhere in the federal act that mentions anything about needing this before the PMI is removed.