WillisBack/dataset-financial-user-claim huggingface dataset:
i wrote a letter to Equifax in XXXX Georgia requesting my credit report on XX/XX/XXXX. I am a XXXX citizen and i have created a USA identity as i do business in United States with an American C corp registered in XXXX XXXX, Nevada in XX/XX/XXXX. So i this wanted a Credit Card from the USA which i received. In receiving my USA credit card i used my XXXX Social Insurance Number and the number of digits is the same as an American SSN number. I called into the Head Office of Equifax requesting my credit report and was told about the situation that XXXX and XXXX have a credit file on me and have used my XXXX SIN  number and that i wanted to see what was on my credit report on Eqiufax as i believed there to be derogatory information, similar to what was on my XXXX Credit report. I wrote them a letter giving all my American EIN numbers, ITIN number XXXX SIN   number, and proof of my XXXX SIN  number which they asked for. Then On XX/XX/XXXX i followed up with them by telephone after receiving a letter from them dated XX/XX/XXXX and in this letter they requested that i provide them with US SSN number, drivers license and other forms of identification. I previously sent them my Bank Statement which shows my US address. Though i have moved from XXXX XXXX to XXXX when i called on XX/XX/XXXX i gave them this information and they still said that the information I provided to them did not match there records. Which is a hint to me that my Name was there correctly and that it is possible that the address they have on file is yes not anything that i gave them, and then conceivable that my credit file was compromised in the XX/XX/XXXX Equifax data breach. And now i am stuck and can not even see my credit report to try to correct any errors or inquire about what my score is. I do not know who to contact to reveal my credit report to me to actually see if in fact this is true. And by not being able to see my credit score and its contents i can not know how to repair the issues or dispute them.
I received dental procedures and the office manager explained how much it would cost and advised that my insurance would pay for the majority of the procedure given. I only received a XXXX and a XXXX, which cost almost {$10000.00}. It was my understanding that I only needed additional money to complete additional XXXX services, therefore, I was advised to sign up for Care Credit. I really did n't understand the way it was explained to me and the office manager called my mother over the phone to co-sign. The way it was explained was too complicated and not easily understood by me or my mother. I thought that the Care Credit would only be used for future XXXX services, but come to find out that not only was all of my health insurance benefits used, but also the full balance of the Care Credit card. Now, my mother and I have a judgment on our credit for the full balance of the Care Credit card, because I could not afford the payments and I was sued. I did n't understand how much the payments would be, nor the total amount that would be used. The office manager never gave me a copy of the documents either.
Called the credit card company to inquiry on account number, after being explained that they couldnt give me the number i said i wanted the account closed and the associate asked to confirm the closure for which i didnt give an answer to since i was doubting myself if i should do it. after a nasty attitute from the associate, i was going to say to leave the card open and she said she had closed the account already without giving me the chance to confirm my choice or giving me the required the disclosures. i found out later that i needed to reapply again and have another hard inquiry on my credit in order to get the card again.
XXXX XXXX was purchased by Navient. Navient shows non payment but we have canceled checks dating back years. We 've sent the copies of the checks and they still keep calling. It 's as if they are not communicating that we 've resolved this issue with 5 different customer service representatives. They call up to eight times a day every day. The numbers they call from are : XXXX XXXX XXXX
Bank of America foreclosed on my HELOC because it had expired. I made payments of interest and principal each month and they still chose to foreclose on me. I paid off the mortgage before it went to the foreclosure auction so my complaint is with the accountability of the fees they charged during the foreclosure process. Foreclosure fees increased each week even though the only effort expended by BOA was to publish the forfeiture in the local legal news. Why did my fees increase each week? Title fee. What is a title fee and when would I receive this " title ''? BOA started out charging a {$270.00} title fee and two months later the fee grew to {$420.00}. Why did the title fee increase. The property did n't change. <P/>Please tell me specifically what work was done, when, and why. I would like to know specifically what costs were switched from consumer service to billable hours. <P/>Please also tell me when I am going to receive a the title I paid for. <P/>Lastly, please tell me why I paid the full amount due for a payoff date of XX/XX/XXXX, yet BOA received and negotiated the funds on the XX/XX/XXXX. Why am I not receiving one days interest as a refund? If I was one day short, would BOA call it good? <P/>This theft of this small amount of interest illustrates the depth of deception that permeates BOA from the top down. We 're only talking about $ XXXX-XXXX dollars and they chose to take it thinking I would n't notice. <P/>Please give me a full accounting of the foreclosure fees totaling {$1000.00} and issue a refund for the theft of unearned interest.
My Bank of America Travel Rewards Credit Card is set up to automatically pay the full due amount every month. It deducted the amount fine last month but apparently did not deduct the amount due this month on XXXX XXXX,2017. Because of this, I have been trying to call BofA to both pay the bill and to get the late fees removed. I should not have to pay late fees because the bank failed to process payment even though it is set up automatically to do so. Bank of America has one of the worst online banking websites I have ever used. I just want to add that. I have been calling and using chat to try and get these issues resolved. I have to say Bank of America has some of the most ineffective customer service personnel as well. I have finally had to resort to using CFPB complaint form as a way to get heard and to hopefully resolve this!
My husband passed away. Chase bank put check on hold they paid my rent and car insurance, and said I was in the negative, I ask what did I need to do they said bring in $ XXXX XXXX and I would be out of the negative and I deposit $ XXXX, XX/XX/2018 then again I was in the negative for $ XXXX The I call on the phone for two hours no one could help me I went back into the bank again they said now I have s balance of $ XXXX I said and I have s withave s Witness my daughter is on the phone speaker And listening, I ask was the money ok they said yes, so I said now it is no longer XXXX when all of this started it is XXXX now, so the bank Chase bank said I could get s cashier check of $ XXXX my rent, everything was ok so I left the bank thinking everything was fine I did what they ask me to bring now I am in the negative again I have not charge anything nor use my card now I am in the negative again for $ XXXX they keep changing, chase bank said the sent the check back to social security but I made good I brought $ XXXX in I dont own them $ XXXX all the figure keeps changing, I understand Chase bank is notrtous for doing this I am on a fix income, nothing has been resolve in a timely. They have had Escalting team and nothing is resolve and the Branch I go to dont have a clue what is happening the Branch computer is never the same as who ever is changing the figures on my account the Branch is XXXX in XXXX XXXX zip is XXXX on XXXX XXXX and XXXX XXXX this is unbelievebi am stress loosing my husband after 58 years, and I have to call and constellations go into the bank XXXX Branch manger didnt have a clue, and this is XXXX and they cant get anything straight. I dont no who is changing the figures or the amount, so please help.since they have taken so long and I am the victim and on social security thank you. I am XXXX years old and should not have to deal with the bank I am so stress over there incompetent, and their inaccuracy .Senior citizen in distress. Help!
I have been paying off a hospital bill for almost a year. The agreement was that I would pay {$150.00} a month. Which I have been doing. I have not missed a payment. The original amount owed was {$1300.00}. I owe {$130.00}, which I plan to pay next month, per the agreement. I have been receiving phone calls about every two weeks and they are threatening a civil lawsuit. I know they have no grounds, since I have been paying the debt. They called today, after I had paid this month. I emailed them and told them to stop the harassment. I have also blocked the number so they ca n't call me anymore. I also talked to an attorney. I am on XXXX for XXXX XXXX and I work part time. I have tried explaining this to them. I pay them when I either get a paycheck or when I receive my XXXX check. Again, I have not missed any payments.
I have two Capital one credit cards that are closed at consumers request on all credit reports.I have disputed info many times and even called capital one credit services to fix issue.Nothing works to resolve issues.On accounts XXXX and account XXXX I was late paying and even stopped paying because of layoff from work and financial difficulties.After many letters to pay from capital one and even collection letters from capital one, they closed my two accounts at consumers request.I eventually went back to work and was able to make payments again.I called Capital one to make deal to repay balance owing in payments and in return to delete both negative/closed accounts from all credit reports.They accepted deal but did not fulfill there end of the deal to this day.On account XXXX, I opened XX/XX/XXXX and last payment was on XX/XX/XXXX and they closed the account 0n XX/XX/XXXX.On account XXXX, I opened on XX/XX/XXXX and last payment was on XX/XX/XXXX and they closed account on XX/XX/XXXX.As of today these two closed accounts are still on all credit reports impacting my credit and score.Me and Capital one made a deal and they have not fulfilled there end of the deal.
My account was incorrectly targeted From XX/XX/2017 to XX/XX/2017 My account is at hsbc Hsbc authorize consecutive payments To XXXX XXXX XXXX from my accont without my consent and refuse to return my funds to my account Its a total of XXXX dollars
XXXX conducted a 3rd party lease end inspection to my car on X/XX/2017 at my place of work. The detailed report online 2 days later indicated {$0.00} in damage. When I returned the car to BMW they noticed modified suspension and charged me over {$2000.00}. How did XXXX not pick this up 45 days earlier? I was not the original owner of this lease, I assumed it from the original owner ( who failed to disclose the changes ). XXXX must be working with BMW because I Was charged for the inflated dealer labor and parts. When I tried to contact BMWFS they kicked me back to the dealer. When I called the dealer they told me to go to BMWFS. XXXX must be held accountable for some of this mess. If they do an inspection they must adhere to that and not go behind the customers back and change the inspection 45 days later. Why do the inspection in the first place? Or why would BMWFS sublet this out to such a terrible company and then not use the original inspection report???
I received my XXXX credit report and saw XXXX different negative items reported by this firm. I have never received any notice from them in regard to this debt and from what it reads on the credit report. It is from XXXX XXXX traffic tickets which I are not mine.
Initially consolidated school loans XX/XX/2015 with Navient. I was not informed about all my options but steered to deferment and forbearance due to attending school full time. Interest rate was first $ XXXX/month and without notice now accruing over $ 100/month. I called Navient because I received bill for {$250.00} repayment due to a gap in semesters as I wait for fall for the XXXX XXXX program. Customer service representative gave me estimate of a {$100.00} interest per month and said there was nothing I could do but either make payments or forbearance.
Received an invoice from Apex Asset Managment ( a collection agency for XXXX XXXX XXXX ) on XX/XX/XXXX, claiming a payment due of {$22.00} for services from XXXX XXXX XXXX in XX/XX/XXXX. 

I wrote them a letter on XX/XX/XXXX informing them that I had paid all invoices presented to me from XXXX XXXX XXXX, had never received a late notice or invoice represented by these amounts, and requested additional information. I copied XXXX XXXX XXXX. 

I received a second invoice from Apex Asset Management, noting they have not received a response from me. I have not received any response from either Apex Asset Management or XXXX XXXX XXXX.
XXXX XXXX report to my credit report that I wast past due in the month of XX/XX/XXXX and XX/XX/XXXX and they don't want change that and this is not true
I am unable to add a fraud alert on my credit report. XXXX have allowed someone to add a fraud alert for seven years. The alert is in XXXX XXXX XXXX. The person/persons have established credit using my personal information. My original drivers license was stolen, social security card stolen. The names of my former employers have been changed. All of my former addresses have been changed. When I learned I was a victim of identity theft. I went to probate court & changed my name to include my maiden name. It is XXXX. I 've learned from IRS that tax returns are being filed in my name. I 've been told by them to contact XXXX, XXXX & experian. The Social Security Department told me to contact XXXX & others when I applied for XXXX. All refuse to cooperate. In order for me to survive I need my information correct. XXXX XXXX is posing as a paralegal with the bank ruptcy courts. The loan I had with XXXX XXXX XXXX was refinanced in 2004. The new loan was with XXXX XXXX. The fraud mortgage interest was being reported to IRS. I was under wage earner when this happened. The same applies with XXXX XXXX. Fraud mortgage interest was being reported to IRS, without my knowledge. When I went to the FBI, I was told to pull all of my tax returns. This is how I realized all if the damage that had been done. My mail is being stolen, using my information. I 'm including my drivers license with my name change. XXXX XXXX XXXX.
Lower Va Rates has stood up to proper business practice, since XXXX 2015 with a approval stated after weeks of processing per LVR, I have signed contract documents with the present of my wife and notary. Yet, no closing up to now, XXXX 2015, I have back paid mortgage payments : XXXX, XXXX, XXXX. Still no results nor contract made until I call in a rage on status but a lot XXXX/run around stall actions from LVR. I am XXXX, XXXX veteran, unemployed and my spouse is unemployed with medical conditions. I have applied LVR before without any delays, but today there bad business practice that shouldbe dealt with HARD!!!!!!! Bills/credit are behind due the instructions given LVR and yet no results as when the two months and amount of mortgage payment???? Budget!!!!!
I was called last year informing me that I am eligible for student loan consolidation. posed as a government organization they informed me all of my loans would be consolidated. Instead all they did was get all my information and pay a third party to fill out a student loan consolidation application when I could have done it on my own for free. all in all my loans did not get consolidated and I went on fedloan.gov today and completed the application myself.
Wells Fargo agreed to do a deed in lieu and {$6500.00} in relocation assistance after my XX/XX/XXXX certified letter to XXXX XXXX. I dealt with a single point of contact ( XXXX XXXX ). to accomplish this. The first thing that I was asked for was the appraisal XX/XX/XXXX ( email attached ) which occurred XX/XX/XXXX.. I responded by e-mail within hours to the other request ( validating that the HOA does n't provide any Certificate of Approval to transfer deed ). So there were NO delays on my part.The timeline per the Wells Fargo website ( Step XXXX ) is 30 days to " review required terms and request approval from investor ''. The investor approval ( XXXX XXXX ) was not requested until XX/XX/XXXX. Wells states that XXXX XXXX declined the deed-in-lieu due to " imminent foreclosure '' indicating that the approval package to XXXX XXXX was not submitted in a timely manner. I was notified by phone by XXXX XXXX on XXXX/XXXX/XXXX The foreclosure sale was scheduled for XX/XX/XXXX and did occur. The house was sold to Wells. I had 10 days to appeal the sale. The previous sale was scheduled on XX/XX/XXXX and was postponed by Wells with the express reason for the deed-in-lieu process to occur. .I contacted Constituent Services with my Congressman 's Office ( XXXX XXXX ) on XX/XX/XXXX, but XXXX XXXX misrepresented facts ( like saying a phone call to me occurred on XX/XX/XXXX which it never did ). Wells points the finger at XXXX XXXX and XXXX XXXX points back to Wells. I opened a XXXX XXXX case # XXXX and they have NEVER CALLED. I am in the middle with only today to keep the Certificate of Title from transferring to Wells and having a foreclosure on my credit record. Wells did not meet their published timelines not the constant assurances from XXXX XXXX ( Wells Fargo single point of contact ). Wells either by design or intent let the clock run out to make it almost impossible to do the deed-in-lieu, get my relocation assistance promised, and leave the house gracefully. Based on the fact that I am a XXXX year old XXXX, 10 years with a foreclosure on my credit rating is essentially a life sentence of homelessness. I need your help today to get Wells to withdrawal any legal papers related to the XX/XX/XXXX sale.
On XX/XX/2018 I received three letters from XXXX in response to three Employment Certification Forms sent on XX/XX/2018. Original copies of all three Employment Certification Forms from three separate school districts were sent to XXXX via USPS Priority Mail. Copies of each were taken and maintained along with Priority Mail receipt. 


All three letters from XXXX denied PSLF qualification. The first denial was based on " certified employment dates listed on ( your ) ECF were prior to the date ( you ) received ( your ) Direct Loans that would be eligible for PSLF. '' The second denial was based on " Your employer did not provide the begin date of your employment in Section 3. The authorized official at your employer should contact us within 90 days of the date of this letter to provide us with this information so we can process your request. If you want us to consider your request after the 90 days, complete and submit new ECF and make sure to complete all of the required fields. '' This is FALSE and is an INTENTIONAL ERROR on the part of XXXX as BOTH the original and copy of the Employment Certification Form have the begin date in Section 3. 

The third denial was based on " The authorized official at your employer did not provide the date they signed the form in Section 4. Complete and return the enclosed form. Don't forget to have your employe sign and date the form in Section 4. " This is FALSE and is an INTENTIONAL ERROR on the part of XXXX as BOTH the original and copy of the Employment Certification Form have the date the employer signed the form in Section 4. 


These are INTENTIONAL ERRORS and FALSE statements on the part of XXXX to delay and possibly deny what is my legal and fair right to apply for and receive the Public Service Loan Forgiveness under United States law.
I received a letter stating i owe a debt of {$5.00} to local hospitial. The letter does not say when the debt was made and to my knowledge I do not have any debt at this hospital. This looks fraudulent and would like you to look into this claim. Thank you for your time ans help.
My Father, XXXX XXXX XXXX, died XX/XX/XXXX. In XX/XX/XXXX my underage son was called five times by Ascension Point debt collection service regarding his estate. Five messages were left then they talked to my clearly minor child and coerced him into giving them my cell phone number. My son is clearly underage and this tactic is abhorrent. 

Furthermore, I am not the personal representative for my father 's will nor am I a beneficiary ( nor is my son ). I called Ascension point on Friday, XX/XX/XXXX, to ask them to cease and desist in calling me or any of my family members. After this call they contacted my sister 's father-in-law. My sister is also not the representative nor a beneficiary of out father 's estate. 

These aggressive tactics for possible fraudulent debt that we are not legally responsible for is unacceptable.
I have received robo calls off and on for 6 months, sometimes multiple calls in a day. The calls stopped for about a month but have resumed. I do not have caller ID, so do not have a called from number to share. Robo call advises that they are calling from 'AmSher ' regarding a debt collection. Advised to call XXXX. I have no known debts to be collected. Out of curiosity and in an attempt to end the calls, I called the number a few months ago and got a machine ... I was provided with no information so was unable to enter a 'case number ' or agent name ... I just called again, just to check again ... Currently, their answering machine does not identify them as AmSher or any other company. Previously, the answering machine asked the callers to leave a detailed message ( I did not! ) including name and contact number. Now, the answering machine has a robo woman answer without identifying the company name, then it 'clicks ' over to a robo male like it switched lines and he says all agents are currently busy then askes you to leave a message. Very benign yet very alarming considering the company is supposed to be a collection agency and I have no known debt to be collected!