WillisBack/dataset-financial-user-claim huggingface dataset:
I refinanced my  XXXX   XXXX   XXXX  lease with    XXXX   XXXX    XXXX   XXXX  t  in  XXXX   XXXX . For a year now I have been trying to get an issue with  my Title  corrected. After trying for a year Chase has b  ee n unable to resolve th e Title issu e with no resolution. My original lease financing was through  XXXX   XXXX . At the end of the lease I purchased the car through  XXXX   XXXX   XXXX . At the time of closing,  XXXX  sent me letter stating the   XXXX   XXXX     Title w as sent to  Chase ( the lienholder ). A year later, Chase has y et to take possession of the lease. I moved to   XXXX   in  XXXX   XXXX . I call ed Chase to  request the  Title  paperwork so I could register my car in the state of   XXXX   in  XXXX   XXXX . They told me they would send me the proper paperwork to allow me to register my car. I never received the paperwork. I called about 30 days later and informed them I never received the paperwork. They told me they would resend the paperwork. After the third or fourth request for the paperwork, I was informed they are unable to issue the paperwork because of a  Title issu e and would send me paperwork that would allow me to obtain a temporary registration in  XXXX . I never received the paperwork for the temporary registration. There are  two things Chase  has been unable to resolve, (  1 )  they have been unable to properly title the car in  XXXX  which would allow me to transfer it to   XXXX    and ( 2 ) they have been unable to send me paperwork to obtain a temporary registration in  XXXX . The last time I spoke with them on  XXXX   XXXX ,  XXXX , I was told they contacted  XXXX  to request paperwork ( that was already sent by  XXXX  which  Chase l ost ). WHen I contacted  XXXX  to confirm  Chase had con tacted them for the paperwork  XXXX  was unable to verify any correspondents. It appears because this is a unique situation, the customer service reps are misrepresenting the actions they are taking in order to get us off the phone. Everytime they call they try to push us off and give us arbitrary timelines. I have been living in   XXXX   for almost 7 months now and have been unable to register my car. My   XXXX   registration is expiring in  XXXX   XXXX  and I am unable to register in  XXXX  This is causing me to carry  XXXX  auto insurance policies,  XXXX  in   XXXX   and  XXXX  in   XXXX   I am unable to cancel my  XXXX  insurance policy until I return my  XXXX   plates  however I ca n't turn in my   XXXX    plates until I register my car in    XXXX  . I am unsure what to do at this point as  Chase is not taking ownership of resolving this issue.
My tax return 2015 was used to repay my students loans. I would like it to be reported to the credit bureaus. The debt is affecting my credit scores.
I was billed a late fee and subsequently charged double the minimum monthly payment for XXXX XXXX billing period. A payment in the amount of {$30.00} was made on XXXX XXXX ( in advance of the due date XXXX XXXX with confirmation ). I contacted Belk 's Credit card/Synchrony Bank, was transferred and put on hold for about XXXX minutes. I spoke with XXXX id # XXXX, XXXX and XXXX ( Supervisor ( s ) of Collections ) to remove the late fee, any additional finance charges and to correct the current minimum payment due as I was trying to make payment, XXXX XXXX. XXXX advised that they would remove the late fee but as a XXXX courtesy but the double payment of {$74.00} is still due. I asked for her manager and she stated XXXX XXXX was not in the office but I could leave a message. XXXX transferred the call to XXXX XXXX voicemail. She advised her manager 's name was XXXX and would not give her nor his last name to reference. I was told the office location is in XXXX, NC. Both XXXX and XXXX were rude and condescending basically stating that I should not have paid in advance and nothing would be done otherwise. I am being penalized for making a payment earlier than the due date.
I can not get Equifax to remove my security freeze. I have tried online several times and mailed all documents to them via mail with not response. I have my pin and password but their online or processing center does not work. 

It took me under a minute to unfreeze my XXXX and XXXX XXXX credit. I XXXX Equifax security freeze lift and found many others having this same problem with them.
I had XXXX medical bills that were extremely high to pay. I was told to submit an application for financial assistance. On XXXX separate occasions I was contacted by letter being advised that they needed some additional info., which was provided each time. The process took quite some time, but it was eventually processed, and during this time I told time that I would pay what I could, which I did. During this time the health center 's billing dept. turned this acct. over to collections ( SCA ) and they took little to no time placing it on my for credit report. After my application was finally reviewed and approved, the bill was retracted and adjusted. The health facility took full responsibility for their error and retracted the bill, so when I call SCA they said the balance had been taken care of and that I owe {$25.00} which they were advised was already paid, they said they never posted anything on my credit report, which was n't true, I told the gentleman that I 'm sitting here looking at my credit report. The next day I called back and spoke with another rep. and was told they would be updating their information on the XXXX of the month, well here it is the end of the month and no update, the acct. still shows as being in collection, status is still unpaid and acct. still open. This has been a total waste of my time dealing with them and they clearly do n't care and have dropped the ball pertaining to my account.
I ( XXXX XXXX ) have sent numerous letters to Wells Fargo Bank, to have them remove derogatory remarks placed on my credit reports. They have shown no proof of verification of debt. My letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) have been ignored or told ( via letter ) by their credit management, they are working on a response. They are in violation of both the FCRA ( including but not limited to ) 623-b, and the FDCPA ( including but not limited to ) 807-8. My last dispute notice dated XX/XX/XXXX was not responded too, ( via letter stating " that they were working on a response '' ). I again, sent them notice of my complaint being reported to the CFPB. This is my last attempt, to have Wells Fargo Bank, remove it 's derogatory remarks immediately. My next course of action will include a civil complaint file in court. Thank you.
Completed a Refinance in in Late XXXX on our house serviced through Roundpoint Mortgage that uses XXXX as a third Party Servicer. The RE-FI was done by XXXX XXXX XXXX ( New Loan ). During the process Roundpoint paid the property taxes through the escrow account because they were due, and XXXX XXXX also paid the taxes on the new loan through escrow, using XXXX XXXX to complete new loan. I have confirmed the double payment through XXXX XXXX County Tax Assessor that payment was accepted on new loan through escrow and payment from Roundpoint was sent back for double payment on XX/XX/2018 of {$2900.00}. Because i knew taxes were paid twice I allowed approximately 60 days to process for reimbursement of overpaid taxes by Roundpoint before I started inquiring about the overpayment with Roundpoint. After this time I have made approximately 8 calls to Roundpoint asking for  reimbursement totaling hours on the phone only to get get many variations on what is going on, i have been told by Roundpoint that, nothing is showing owed to me, its under review, still in processing, through conference call with Tax Assessor that it will be overnighted to me on XX/XX/XXXX, to now it will take another 6-8 weeks for reimbursement. Round point has been less than cooperative in resolving this in a timely matter and in truth I believe it is lost in their system. I have researched matter and have documents showing Roundpoint payment on XX/XX/2018, XXXX XXXX   payment on XX/XX/2018, and Tax Assessor payment back to Roundpoint on XX/XX/18 Just looking for help to resolve this matter. Thank you
I Pulled my credit reports from all XXXX major agencies back in XX/XX/2016 from XXXX, XXXX XXXX, and Experian. After reviewing all my credit reports I noticed that there was some errors and things that were on them that I had no clue where they came from or how they got onto my reports. Once I found all the issues I called all reporting agencies and obtaining there process for disputes. After following these processes XXXX and XXXX found that they were errors and mistakes and deleted those items, But Experian did not! I have sent numerous certified letters to this company over the past six months to have the items removed and even sent copies of what the creditors stated to me in writing. After calling and pleading with them about these items I placed a fraud alert on my file and asked Experian to investigate the Bankruptcies, and Inquiries several times only to be told that they were verified, and they would not keep verifying that information. I told them that they were breaking the law per the FCRA they were obligated to verify the information with the creditors and the Bankruptcy courts. I waited 90 days only to be told that they would not verify and did not. As a consumer per FCRA Section 623 ( a ) ( 3 ) they are to varify the information completely and state how it was done. They never done this at all so I sent a letter to the Bankruptcy courts and the Clerk of courts stated that they do not give information to Credit reporting agencies. So once again Experian lied to me as a consumer and I have all documentation I spoke to ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and several other agents for experian. ) Some of the letters they refused to reply asking for additional proof after I mailed them XXXX plus pages along with my identification. 

I would like for these items to be corrected and deleted from my credit file as they were on my XXXX, And XXXX Reports. The accounts are listed below : 1. US BANKRUPTCY COURT GA XXXX # 'S XXXX # 'S XXXX # 'S XXXX # 'S XXXX INQUIRIES FRAUDULENT NOT MINE ; - XXXX XXXX XXXX/XXXX/2016 - XXXX XXXX/XXXX/2016 - XXXX XXXX/XXXX/2016 - XXXX MULTIPLE I have contacted this company several times only to be told they can not re-investigate, which is against the law.
Student loan information entered twice ( same loan amount and acct number listed 2 times ) on list of owed liabilities on my credit report.
On XX/XX/XXXX {$300.00} was withdrawn from a joint checking account with my wife for payment to SSA Treasury. On XX/XX/XXXX, {$170.00} was withdrawn from the same checking account for payment to Treasury. The reason I was told is that my father needed to repay a SS check that was issued to him in error after his XXXX. I was told the bank had the authority to go into a joint account with my wife since I had a joint account with my father. I was also told that they could so without any notification on the banks part. 
I have asked on 2 occasions that they provide to me in writing the rule/regulation that allows them the authority to do the above and what authority allows them to do so without notification. 
The bank has not provided that letter after 2 requests. 
The bank is Santander Bank. 
The joint account is XXXX and XXXX XXXX.
I sent by certified mail a letter to the company XXXX XXXX XXXX, asking them to validate the debt in question ( creditor XXXX XXXX XXXX XXXX ), by sending original documentation of contracts with the company that were signed by me for the debt of {$280.00}, as reported on my credit reports, I sent the letter off by certified mail on XX/XX/2018 and they received it on XX/XX/2018, I received a response letter back that was dated XX/XX/2018 without the requested documentation of original contracts or agreements, by me, but instead they sent a copy of a final billing statement, which is not a validation.
I have totaled altogether XXXX in overdraft and transfer and interest fees for 1 month from XXXX XXXX Bank . This is like a loan sharking Bank and I am very concerned about the extra charges. Additionally, I have not received any bonus miles on my Credit Card in over 9 months and I find that confusing. I am unable to get XXXX the manager at XXXX XXXX in XXXX, Mt. to call me back and explain these charges.
I was surprised to see a foreign transaction fee on my credit card statement as I had no foreign transactions that I knew about. I called FIA Card Services and was told XXXX of my transactions, through the XXXX, had been processed thorough a foreign bank. 
I called XXXX and was told that, yes, XXXX transaction out of my several purchases with them that day had been processed through a foreign bank. Others had been through domestic banks even though at least XXXX other was from a foreign vendor. The representative said he was surprised I had been charged a fee, but that it was my credit card company that had made that determination in error, not XXXX. 
I have bought and sold hundreds of books through XXXX and never once ( before this ) seen a foreign transaction fee. Oddly, he reimbursed the fee while saying the issue was with the credit card company. 
I called FIA Services again to see why the error had been made. The representative said XXXX had coded this as a foreign transaction from a foreign vendor, that they had not made any error. Then she also reimbursed the fee even though I said I was not asking for reimbursement, only to understand how to avoid foreign fees in the future when there was no process of notification that a foreign transaction fee would be assessed. She indicated there was no way to know. 
So my questions are these : Is anyone supposed to notify me that a foreign transaction fee is possible when buying from third-party vendors? How is it I can be charged a 3 % fee with no prior notification? Why is that my cost of business, not theirs? It seems to me XXXX has an obligation to inform me of an impending foreign transaction fee before the fact, not after the fact. Could you please explain how one is to manage this aspect of on-line business? Just what are the regulations pertaining to this? 
Thank you. 
XXXX XXXX
I recently became unemployed and also had to move to another city. Because of this hardship, I reached out to U.S. Bank for liquidation options since I was no longer living in the home and could no longer afford the payment. I was assigned to a Specialist and then to a Negotiator. The Specialist was ok at reaching out to us and communicating but I have never spoken to or received an email from the negotiator as requested. I had issued scheduling an appraisal because I now live 2 hours away from the property and I had communicated this with the appraisal company. All of the dates and times that I requested were not available so they suggested that I get a lockbox. During this time I had not received any phone calls from U.S. bank regarding my loan status. I received one phone call from a restricted number at XXXX in my time zone which I had never previously authorized and the name and phone number provided on the voicemail did not match any information previously provided to me by U.S. Bank. Other than that there had been no other phone calls to me. After I went and put the lock box on the property, I called the appraisal company to set up an appraisal time and was informed that the assignment was cancelled. U.S. Bank NEVER called me to inform me of this which I strongly believe they should have. I called U.S. bank on XX/XX/XXXX and requested to speak to a manager who confirmed that my file was closed due to not being able to do an appraisal even though I was in constant communication with the appraisal company. He advised me that I had to fill out another application and resubmit all of my information which I was very frustrated about. I asked him if any foreclosure process has begun and he stated no, and that can be prevented as long as we resubmit our docs which we did that same day. We were reassigned to the same specialist and I was able to successfully schedule an appraisal. Today XX/XX/XXXX, exactly a week later I received notification that a foreclosure has been reported on my credit report. I feel like I was mislead and lied to. I did everything I was told to do to prevent my loan from going into a foreclosure status and was assured that as long as I did those things my loan would not go into that status.
On XX/XX/XXXX I sent a letter via certified mail requesting Experian to look into accounts that where reporting inaccurately on my credit report. On XX/XX/XXXX I received a response letter stating these accounts were updated. 
Using their credit report that was sent to me by Experian, I went through each account that was reporting incorrectly. 

I asked Experian to please investigate the accounts listed in the dispute. They only looked at one which is listed below : XXXX/XXXX XXXX - was not late on the date showed on report However Experian didnt even do an investigation. The only thing that was done was update the comments of the date it was last updated. This is not an investigation. Experian is completely disregarding the law. 

Experian also completely ignored my request to investigate the following with my initial request of their method of investigation proving the accounts below belong on my credit report in its current state : XXXX/XXXX - was not late on the date showed on report XXXX XXXX/XXXX - not reporting pay history showing that I was never late 6 different XXXX XXXX XXXX accounts - was not late on the date showed on report XXXX/XXXX - was not late on the date showed on report XXXX XXXX - was not late on the date showed on report XXXX  XXXX/XXXX XXXX  - was not late on the date showed on report XXXX XXXX XXXX - was not late on the date showed on report I have tried reaching out to Experian for an investigation. A reinvestigation, and the method of their investigation to prove they are investigating. It has been over 60 days and Experian is choosing to violate my rights and ignoring their requirements by the FCRA. 

Experian can not report information that is incorrect on my profile. As of now, I am doing everything I can before seeking out legal aid. I hope this could help me. 

Thank you!
I XXXX XXXX have asked the current banking institution ( Bank of America ) to remove negative reports from the XXXX  database. 

For the past two years I have been denied opening a checking account at any financial institution. It is detrimental for me and my family. I can not pay bills on time or make purchases because I have no bank account. I want XXXX to remove this negative report. As an American I have the right to have a bank account.
On XXXX XXXX, XXXX, my check of {$840.00} was returned and I received a return fee of {$23.00}, within the 24 hour grace period. On XXXX XXXX, XXXX, I received a deposit of {$900.00} ( as I do every two weeks in my Huntington account ) that would have  covered the negative balance and cover the check. This is what I thought the 24 hour grace period was for, it is what is being advertised. Once I received an alert that my check was returned, I contacted Huntington customer service immediately and spoke to 3 different customer service representatives. One was very rude and stated it was at the bank 's  discretion whether they would pay the check and allow the 24 hour grace, another stated that the clause about the bank only letting a customer use the 24 hour grace under Huntington 's discretion, was on the  website. Once I told her that I did n't see it on the website, I was transferred to another representative that told me that I was opt out of letting the bank pay the checks, which was not true. He also told me that I would have to go to a branch to get the issue resolved. Once I got to the bank branch, about XXXX when they opened, the banker told me that I was in fact opt in to having my checks paid and the customer service representative may have been confused. I told her what the other representative said regarding Huntington giving the 24 hour grace period, at their discretion and she affirmed that every Huntington customer gets the 24 hour grace period. She also said it was returned as a precaution to protect me in case it was fraud. She said the system may have picked up that the amount of money that was coming out was higher than any amount being withdrawn from my account before. I asked her, if that was the case, why was the check returned and why was n't I contacted immediately. She stated that the system process the checks in the middle of the night, from XXXX to XXXX, and no one is actually working at that time to contact me. She than got the bank 's branch manager. The branch manager stated that even though they advertise 24 hour grace, its only for certain situations. Which is also not told to the consumer during all of the glossy commercials and advertisements of going with Huntington because they are the only bank with the 24 hour grace period. They did refund the {$23.00} fee but would not process the check and the bank manager stated she would contact someone about the advertisement once I said I would be making a complaint with the FTC. On XXXX XXXX, XXXX, I was contacted by a woman from the executive office, she left me a voicemail and I called her back on XXXX XXXX, XXXX. We spoke on the phone for nearly an hour. She stated that she would contact marketing with my concerns. I also requested that I be reimbursed for the fees from the merchant that I would receive because of the return check and she stated that Huntington will not cover those fees. The fees added up to {$110.00} ( {$84.00} for a late fee and {$30.00} for a return check fee )
I subscribe to a credit monitoring service and was recently alerted that a hard credit inquiry from XXXX/XXXX had been registered on my XXXX credit report. After doing some initial research, it seems that other consumers have identified this bank as XXXX of the lenders behind the PayPal " BillMeLater '' feature. While I am a PayPal customer, I did not sign up for this feature nor did I authorize them to pull my credit. I have disputed the inquiry with XXXX. I want to make sure this inquiry is reversed and no account is opened as a result to prevent fraudulent use of a financial account established using my identity.
gentleman. I did apply and approve for my home refinance mortgage with bank of America. they took in advance around {$500.00} for credit report and home appraisal.

the loan officer made a mistake and after the loan was approval by the underwriting said my loan was cancelled because I was in a temporary loan modification with my present lender ( XXXX  ) I disclose that at the beginning, verbally and in writing in the application of the refi. 
the loan officer told me that, was not a problem ( the temporary modification ) so he collect the money for the appraisal and the underwriting approve the loan. 

later on, someone review the application and said the temporary loan modification was a problem and denied the refi. But I told them at the beginning and mr XXXX and XXXX told me that was not a problem. so they took my {$500.00} and refused to return the money and get in contact with me .loan officer Mr XXXX XXXX XXXX XXXX ( XXXX ( XXXX ) XXXX XXXX manager XXXX XXXX XXXX XXXX XXXX ,XXXX XXXX they made a mistake and made me paid for an appraiser I want them to get in contact with me and get my money back. 

Mr XXXX told me I ll received a letter that explain why my loan was cancel. 
they lie to me never received any letter and they don't answer my calls. 
I want a writing explanation and my money back. Please help me. 

yours XXXX XXXX XXXX XXXX XXXX manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX