WillisBack/dataset-financial-user-claim huggingface dataset:
My wife is XXXX from having a XXXX a few years ago, We will always have ongoing medical expenses that are not covered by health insurance for her care and that has caused us to be deliquient on our mortgage. We 've submitted financials and several modification requests to American Servicing to modifiy our mortgage. Customer service has been rude and uncooperative and refuse to modify our mortgage. We recently resubmitted our modification request again. Please help, we do n't want to loose our home.
This company is still falsely reporting payments made in am attempt to extend the life the loan on equifax credit report. They are reporting that a payment was made XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX. NONE OF THESE PAYMENTS WERE MADE. They repeatedly keep marking my credit as payments made when they have NOT, in aN attempt to restart the 7 yr process. This is fraudulent activity. They are also in violation the of the florida credit report act and federal fair credit reporting act. 

Your company responded with " We are not reporting payments made on this account. The last payment we show reported was XX/XX/XXXX. She has disputed this account several times but we are reporting what our records indicate. '' Yet equifax is reporting payments made, as EVIDENCED BY MY CREDIT REPORT. Equifax does NOT report payments made UNLESS THE COMPANY CALLS TO REPORT IT!! Therefore im seeking legal counsel and start the process for a class action lawsuit And it was bro7ght up directly with XXXX and i showed him my credit report and he laughed and responded " oh i dont know how that happened '' EITHER FIX IT OR A CLASS ACTION SUIT WILL COMMENCE.
Loan Care underestimated my escrow payments. Now it reassessed my escrow and I have to pay nearly {$800.00} more a month to satisfy my escrow minimum balance. The company wants me to do this in a period of 12 months. On XX/XX/XXXX I called and explained that I would like to get an extension to be able to repay within 24 months and make the burden easier on me. They explained I would have to do it in writing thru e-mail. I did so and 3 days later received an automated e-mail back stating they had received my request. I havent heard nothing else from them and now on XX/XX/XXXX im expected to pay {$2000.00} from {$1200.00} that I was paying. They never said yes or no to my request for and extension or responded back in a prompt way.
Last year my identity was stolen and I reported it to all the proper entities. Yesterday in the mail, I receive a form letter from a company called  XXXX   XXXX   XXXX  claiming that they were trying to collect a debt owed to PNC Bank. I have nothing with PNC Bank. I have tried to contact the company 4 times since last night. I spoke with one agent who had me call another number last night andnwhen I called the nimber I was put on hold for about  9  minutes. I called them back today and the first time I called the guy hung up on me. The second time I called, the guy wanted me to give them my social security number before they would proceeed and I told the guy again that I had had my identity stoloen before and that I was not going to give someone my social security number over the phone who I did not know. He told me that if I would not give him my social security number that he would end the call. I told him to end the call and I hung up.
Bank of america core checking account can waive the checking account monthly fee if there's direct deposit of {$250.00} and more. I have a direct deposit of {$250.00} in XXXX but bank of america still charged me a monthly fee of {$12.00}. They said that they can not waive the monthly fee for me because they have a specified billing period. The direct deposit dates must be in the billing period ( XXXX to XXXX of next month ) to get the fee waived. 

This is not stated in the agreement when I opened the account. Hope that bank of america can help me reverse the monthly fee.
I signed up for the " free '' account with Experian and then tried to cancel. You can't cancel online, I got disconnected by phone, so I emailed them on XXXX XXXX, XXXX asking for full cancellation. I am being charged $ XXXX for a service I don't want and didn't ask for. 

I tried calling again tonight, XXXX XXXX, XXXX, and after taking my social security number and birthday, they said they couldn't see the charge on their end and needed my credit card information, which I didn't want to give. I called my credit card company and filed a dispute today, but they said they couldn't end the monthly charges. So I called Experian again, went through the phone tree, and the message was " you have a free account, goodbye. ''
In regards to CFPB Complaint # XXXX, I sent the customer service dispute dept a letter stating that if they continued their attempt to collect the {$110.00} charge for a fraudulent merchant, I would close my account with them. In response to that letter, BAC has sent me a letter dated XX/XX/2019 stating that my account had been closed. The letter states that I asked for it to be closed. The fact is that I only said that I would close my account depending on the resolution of the dispute.
Citizens ADVERTISES Student Loans starting at 2.49 % with a parent cosigning. We cosigned and the rate came back a 6.49 % or 161 % over the best available rate. We were immediately concerned that there was an issue with our credit rating, in fact worried of identity theft due to the high rate offered. Upon speaking with the representatives, we were told that our rate was determined only by one factor, the higher XXXX rating of the student or parents. Our rating was actually EXCELLENT at XXXX. In fact, this is a quote from XXXX. 

At this point, we asked HOW MANY PEOPLE ACTUALLY QUALIFY for the 2.49 % rate. We were told that information is " proprietary. '' I asked if she ( Supervisor XXXX XXXX ) knew of ANY LOANS given out at the advertised rate. She told me that information was also proprietary. 

In my opinion, they are using deceptive advertising practices. Listing rates that they never intend to fulfill. 

" It 's important to understand that if you have a XXXX score above XXXX, you 're going to be getting the best rates and opportunities, '' says XXXX XXXX, director of public relations at XXXX, the analytics company whose credit scores are most often used to determine a borrower 's reliability. " While it 's nice to aspire, you really do n't need to, '' he says. 

We believe that this is a case of false advertising ... of luring customers in with low rates and then not pro
I lost XXXX dollars because of a flash crash caused by a market order which caused the price of ethereum dropping over 29 % in seconds and sparking a cascade of margin calls and stop loss orders. I am one of 800+ other investors from which this occurred to totalling a loss in the XXXX as our asset price flashed from over 300 dollars to cents within a second as the site went down ( locking in our trades ). This occurred on the XXXX site which is a Coinbase company. They said there was no error however they started reversing trades on the Coinbase site and not XXXX trading site. Many people lost life savings in the belief this flash crash was n't possible because of proper controls set in place by XXXX.
This company have send collection to my credit report not once but the same account three times as  well as others collections by BULLCITY FINANCIAL SOL send I am not liable for collection of debt from BULLCITY FINANCIAL SOL. I am not responsible for this debt. I have sent disputes to the credit bureaus with no resolve.
Citibank, even though certified my XXXX status, knowing I am non-taxable person, still violate the law to charge me tax. I report to phone customer service and they stated I have to work out with banker in branch. I asked to banker, he did see I am certified and he did submit the request for me, and the case just closed and none of them give me reason of violation, yet they do not return the un-existing tax at all. In addition, I join their checking promo while I open the account, I finished the requirement, and I do not get what they listed " offer " there. I feel frustrated about Citi work.
I have a federal student loan that is in default and placed with Immediate Credit Recovery as a private collection agency. It appears they try to contact me and do not leave voicemails. I have discovered, through my own investigation, my defaulted loan is scheduled for treasury offset with my 2018 tax return. I have been trying to contact the correct Department for loan services in regards to consolidation or rehabilitation/ whatever other options may be available however every time I contact the business I am rushed to be transferred and once I am I am told to leave a voicemail to a mailbox that is full and will not accept a message. I have tried contacting other departments of the business to see if they have a way of contacting the department to find out what is going on but everyone is rude and of no help saying they are totally unaffiliated with that department which I do not exactly understand if this is all the same business. I have tried to contact the US Department of Education directly for the issue and they have also submitted a complaint to the collecting company but they are unable to help me. I am trying to do the right thing by getting in touch with these people to correct my debt and they have made it extremely difficult and frustrating. I do not know where else to turn besides possibly seeking advice from a lawyer at this point.
Speedy Cash is taking money out of my account and I never applied for this loan. If you do not how my photo ID or my signature online. Im requesting document and I will file civil suit against you for fraud. I will seek damages ..
I made a deposit to my Chase Liquid Account from my XXXX XXXX. I Made the deposit XXXX XXXX, 2015 my XXXX XXXX Paid thesame day, fund were taken out of my XXXX account XXXX XXXX, I verifiedWith XXXX and they advised me the Chase had received the fundsXXXX XXXX, 2015. My ATM deposit receipt there XXXX be a delay in theavailability of these funds until XXXX XXXX, 2015. Chase had recived funds fromCitbank the same day I made my deposit but still XXXX days to give me credit formy deposit.
I been in contact with the california Check cashing place in XXXX XXXX california due to a signature loan i obtained, i had been paying it until i lost my job. I called them in XX/XX/2018 to let them know of my situation and they refused to defer my payments until a job is obtain, i been trying to work with them and they refused to help. I also been asking for information regarding their interest rate on my loan they said that when loans are behind on payments that the interest accrued is different then those loans that are paid on time. I think is unfair and dont see why i am being penalized differently then any other person who pays their loan on time. My loan is for {$2500.00} and they said payoff is {$4700.00}, i dont see how this fair. I have no copies of loan term and they wont email it to me.
I have a coinbase account with 2 factor authentication. That worked great until i replaced my phone and had to reinstall the authentication app. The catch is that you need the app to login, but the only way to install the app is to be logged in. Coinbase was unable to give me access so they instead had me create a new account and then they transferred my money into the new account.

However, i later had transfers into the old account and they were unable to give me access to transfer the coins into my new account. I went back and forth with them for over a month and they were very slow to respond and i eventually gave up.

here is the latest communication. i haven't heard anything in a month Hi there, Im working with a specialist to review and finalize your balance transfer. We will follow-up as soon as the transfer is complete, or if we have any further questions.

No further action is required on your part at this time. Please note, we are experiencing tremendous support volume that may delay response times. For fastest response time, please do not send more than one email response. Thank you in advance for your understanding and patience.

Thank you for your patience in the meantime! 


On XX/XX/XXXX at XXXX PST XXXX XXXX XXXX wrote : also, i'll have to file a CFPB complaint if this isn't handled shortly. 
i've been waiting for over a month. 
On XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX wrote : that doesn't make any sense. here is XXXX sample email of the old account. 
if that account was closed, what happened to the coins that were transferred to it? 

-- -- -- Forwarded message -- -- -- -- -- From : Coinbase XXXX Date : Fri, XX/XX/XXXX at XXXX AM Subject : Your purchase for {$500.00} USD of ETH is now available in your account To : XXXX [ image : Coinbase ] <https : //www.coinbase.com/> [ image : Congratulations ] <https : //www.coinbase.com/> [ image : Coinbase ] Your purchase for {$500.00} USD of ETH is now available in your Coinbase account Reference code XXXX Payment method USD Wallet Date XX/XX/XXXX Amount XXXX ETH*
Receivables performance management started calling my husbands cell phone on XX/XX/2015, and have called either it or the house phone almost everyday since then. At the time of the first call he set up a payment plan for XXXX payments of {$25.00} ever other week because that is all there system could do. They have started calling our house almost every day since then and have asked for a post dated check. They asked my husband to set up payments on his dept card for next year after telling us they could only set up XXXX payments at a time they were also wanted us to agree to giving them XXXX payments of XXXX in XXXX and XXXX which we can not afford and would not agree to they also suggested we could use out tax check from next year to help out this all happened today XX/XX/2015.. We have asked them several times to please stop calling and they continue to call. We also have XXXX emails with the payment plan between them and us on this matter. They also get rude and hang up on you before you can finish discussing the matter of why they keep calling..
American Express offers referral bonus of XXXX miles for every person who opens an account with that referral link. I opened an account with a friend 's referral link and due to a website error, they didn't get the bonus. Attempts to get this remedied were met with them saying it wasn't possible and that it was my fault. They are unwilling to credit the referrer 's account with the promised reward and simply transfer me to another department or hang up on me.
XXXX Credit bureau has been reporting 14 collection accounts to all the credit bureau after several debt validation disputes. The disputes were performed by three credit repairs services and myself. I have never received any information regarding this debt ; the only response is this company wrote in the remarks " Consumer disputes this account information '' but I have never received any correspondence or proof from this company. There are two entries for XX/XX/XXXX and twelve entries XX/XX/XXXX. I have no idea what these charges are and the volume of these entries on my credit reports are concerning.
I am XXXX XXXX XXXX XXXX, I was on a Overseas XXXX XXXX from XXXX. On or about XX/XX/XXXX we received extended Orders on my XXXX XXXX which extended my XXXX XXXX. I had been in the process of looking for an apartment in XXXX XXXX, TX at the XXXX. I communicated with XXXX XXXX via email that I was currently XXXX and had limited access to internet and communications. On XX/XX/XXXX I notified them our printer was not working and I would not meet the deadline. According to the written correspondence if I didnt submit the documents by XXXX MST, then they would not be able to move forward with the application or hold the apartment. At that time I had not provided a deposit, so it is their policy for a courtesy hold 24 hours. I contacted them via Satellite phone that my XXXX had been extended until XXXX, but no exact date had been provided. Therefore, due to the extenuating circumstances because of my XXXX XXXX and XXXX  XXXX I didnt know when I would be coming back and would start the process when I returned from XXXX. While XXXX, I received a XXXX XXXX XXXX XXXX, for me to XXXX immediately upon my XXXX. Within 30 days of me returning from XXXX XXXX, I received my XXXX XXXX XXXX XXXX XXXX. I received Temporary Housing at XXXX XXXX due to the short window between my XXXX  XXXX and XXXX to XXXX XXXX, NC. I received Collection Calls from Hunter Warfield on behalf of XXXX, stating I owed the XXXX  money. After repeated requests, on XX/XX/XXXX I submitted my XXXX XXXX, my XXXX XXXX XXXX XXXX, and my XXXX XXXX and email traffic to Hunter Warfield and I was told that the negative remarks and collection account would be removed from my Credit History. This is still on my Credit Report, and I have contacted XXXX, and their Corporate Office about this matter. Based on the email traffic they would not be able to process the application without the paperwork. Additionally, I contacted them and told them that our XXXX XXXX was extended. I should not be charged for a deposit, when I was told it was a courtesy hold until they received the paperwork, I notified them the extension of my XXXX XXXX.
I am writing this to inform CFPB of what I see as predatory and alarming that a government program setup to assist homebuyers to avoid mortgage crisis are denied access into programs that could help the both Homebuyer and Mortgage Service. I find the reasoning for denial of application with Nationstar Mortgage troubling and this is the reason that I am asking for help. My qualifications meet the eligibility requirements and are to close for the door of opportunity to close, which I should have been approved. I have had great credit since I was XXXX years old and this situation, which is due to hardship and not poor financial planning on my part, should not be held against me. I was just Employee whom showed up to work one day and was informed that they would no longer need my services. I am in disbelief that something like this could ruin my credit and am asking for your consideration in reviewing this matter. I have documented the events that happened throughout the application process and am willing and able to share them with you in support of my case.
Submitted request for verification and removal of several items. Credit bureau, Experian did not send proper verification and refused to remove. XXXX XXXX Bankruptcy Ref XXXX
XXXX - A new entry appeared on my XXXX credit report for : I C System Inc. XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Amount {$250.00} I do not owe any debts that I 'm aware of, nothing past due. When contacting the company, they refuse to share any information about this unless I provide my sensitive personal information ( full name, address, DOB, SSN ). I 'm not comfortable providing this information to some unknown company that just dinged my credit report. I have not received any prior mail, email, or phone call regarding this alleged debt. Do I have any recourse other than paying an attorney to dig into this?
I am a certified XXXX XXXX XXXX XXXX in the state of WI. I was assigned to appraise a XXXX guaranteed loan for US Bank of XXXX, WI. The amount owed me for the appraisal is {$420.00}. The appraisal order is dated XXXX/XXXX/XXXX. This bank has received the money for the appraisal at the time the homeowner applied for this re-finance loan. The bank is aware of our net 30 days pay schedule. We call and e-mail daily and are getting nowhere. It does n't matter if this loan closed or not, that would be against XXXX. The contact at the US Bank in XXXX is XXXX XXXX, XXXXXXXXXXXX. This is regarding US XXXX # XXXX. XXXX XXXX XXXX
Midland XXXX has called twice regarding XXXX card. Claiming we are behind. I have called XXXX, we are not behind. The address Midland sends the delinquent notices to is not our address, nor have we ever lived there. Midland tried to get acct # and SS #, we did not give them any info. The first time they called, the caller was very rude and pushy.
this is with equifax and XXXX XXXX XXXX for XXXX XXXX XXXX for XXXX dollars. this account was charged to indigent care and the doctor himself told me in 2014 there was no charge for this as it is indigent care. please remove at once
I am with Iberia Bank. My branch location is the XXXX XXXX XXXX. I set up a " push '' draft with Iberia for direct deposit to my landlords account with XXXX XXXX. In XX/XX/XXXX I called to find out why the draft had not occurred. XXXX XXXX in customer service told me that the draft rules had changed. The new protocol for bank drafts would allow only XXXX draft attempt, and if the money was not available at that time, then the draft could not be processed. 
I told XXXX on the phone that I did not want to use the service any longer. I continued to handle my payments monthly. On XXXX XXXX, 2016 {$5800.00} was drafted by Iberia Bank from my personal bank account and supposedly deposited to XXXX XXXX 's bank account. She is my landlord. 
XXXX XXXX contacted my landlord, XXXX XXXX, and explained the situation, and asked her if she would mind reimbursing me for the XXXX deposits of {$1900.00} each. 
XXXX was very apologetic and said that Iberia Bank ( powers that be ) changed the rules, and he did not know anything about a " rule change. '' He apologized profusely and said that he was willing to do whatever he could, and would be happy to pick up a check from XXXX XXXX himself. 
XXXX checked her bank account and could only see XXXX deposits, not XXXX. 
My personal account at Iberia still shows that I am overdrawn for {$1900.00}. XXXX XXXX said that there is nothing he can do about it! 
The powers that be, told XXXX that they could not do anything to return my money because the money had already deposited into her account. I Today I remain overdrawn for {$1900.00}. XXXX XXXX confirmed this morning that the money is not in her account. Can you help me? Thank you, XXXX XXXX
Well this happened in XXXX XXXX 2016 and i was working and my boss needed me to get some materials so i took the work truck. On my way to work i accently rear ended a lady, nothing too bad just a back bumper and the left taillight were damaged from what i could see. I contacted my boss and he spoke with the lady saying he would take care of it and he would pay for the repairs. So thats exactly what happened like XXXX 3 weeks later he told me he payed XXXX for the repairs and stuff and she took her car and left. She didnt contact him anymore or anything and when i went to court a month later she wasnt there either. I payed my court fees and that was the end of that .well i thought so until i receice a letter from XXXX stating that i crashed XXXX of their customers on XXXX XXXX 2016 when it was on XXXX XXXX 2016 and it stated that i owed an amount of {$4300.00} for crashing her and to add my insurance agency details i added my boss 's insurance company instead since i feel it was his vehicle that wasnt insured i dont get why my insurance agency needs to be contacted.so i sent the letter and like 3 weeks later i get a letter from collection saying i still owe those {$4300.00}. Im really confused and kinda mad as to why i need to pay this debt when first of all my boss payed her costs and why am i bearly getting this when this happened 5 months ago. I kind of think she 's trying to get money out of this situation since im guessing she didnt report it at the crash scene. Whatever the case is i shouldnt be paying all this money i feel that this debt should n't exist
Hi i am trying to get these account listed below off my credit due to being open fraudulently which i have never open these accounts. and also disputing a bankruptcy thats not mine public record is XXXX XXXX bankruptcy 1. XXXXXXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXXXXXX ( 2 ) accounts 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7. CXXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX 9 XXXX XXXX XXXXt ( 4 )  accounts 10. XXXX XXXX XXXX 11.XXXXt XXXX XXXX ( 2 ) accounts 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX 14.  XXXX XXXX XXXX XXXX XXXX 15. XXXX XXXXXXXX XXXX 16. XXXX XXXXXXXX XXXX 17. XXXXXXXX XXXX 18. XXXX XXXX XXXX