WillisBack/dataset-financial-user-claim huggingface dataset:
I had a Heloc with Greentree. That loan was paid off in XXXX of 2010 when I financed my home. I am the process of refinancing again and in the process found a lien on the property. There was never a release filed after the closing by Greentree. I have made many calls, as well as the closing attorney, handling my refinance, to Greentree attempting to get a release since the beginning of XXXX and still have not received a release. As I understand it that release notification was to be done within 2 months of the payoff of the loan and here it is 4.5 years later and nothing has been done and I am getting no satisfaction from Greentree. I have talked to many people at Greentree and I never get a straight answer from them. I asked for them to email or fax a copy of the release and they tell me they ca n't because it is in the documents dept and they take 30-45 days to process. So here we are past that time frame and still nothing has been done. This is the most unprofessional organization I have ever dealt with.
I have a debt on my account for a collection agency that i do not recognize, also getting phone calls for collection agency asking me to paid a debt who does n't belong to me. I am on the Do Not Call List and getting calls constantly from XXXX numbers I do not recognize.
I apply for a Mortgage Loan, I received Underwriting approval with 3 % down payment on a conventional loan. All of the sudden the bank ( Franklin American ) told me I will need XXXX % down payment. They know I ca n't come out with that money because they have my bank statement. 

I am sure they did not like my loan maybe because of the area i 'm buying my house ( the dont want to lend money on that area ) my income or because the seller lost his house in Federal Court. Or maybe because I am pregnant and somehow they find out that. The Bank ( Franklin American ) allegedly found out the seller had criminal charges that ' why He/She lost the house through court process but what does it has to do with me? Seller/Reciever cancel the deal and I lost my deposit, appraisal fee, re-inspection fee, and I paid for some repairs the bank requested. I have suffered emotionally, financially and physically due to the amount of stress the loan process gave me.
My wife and I each purchased a {$2000.00} Certificate of Deposit ( IRAs ) from XXXX in XXXX IN on XXXX XXXX, XXXX. These were for XXXX contributions. That was the first time we ever did this. My wife filed these papers away at that time in a file cabinet. Future investments my wife filed in a different file. In XXXX of this year, XXXX, my wife found the file with these IRAs. Obviously we forgot about them as it is XXXX years later. We moved one time two years after we bought the IRAs but still in the same city XXXX. Then we realized not once had we received yearly statements. Since XXXX was bought out by XXXX, and PNC bought out XXXX, I took our paperwork to PNC. A gentleman in his early XXXX XXXX XXXX or XXXX? not sure of his name ) at PNC told me " I see your name in our system, but there is no account information with it. My XXXX return to PNC a week or XXXX later, and I received the attached letter " apologizing and no offer to help. '' I called Indiana Unclaimed and she said this is still under the XXXX year limit so it should be here, but she found nothing. Indiana Unclaimed directed me to some people who got me to you.
Within the letter dated XX/XX/2016 written by XXXX XXXX, are many explicit lies, contradictions, and unethical falsehoods that XXXX XXXX and US Bank have contrived in a nonsensical effort to fool the CFPB, Federal Reserve Claims department, and the customer regarding the illegal withholdings of a check deposited on XX/XX/2016. 

Firstly, XXXX XXXX XXXX has no business responding to a complaint himself in which brings into question his integrity and proper handling of XXXX XXXX 's complaint of the unjust withholding of his cleared check deposit. XXXX XXXX should have been professional enough to recuse himself and allow for a cohort, internal ethics review department ; or a superior to review his handling of the case and allow for a proper review to be conducted. 

2. XXXX XXXX now makes a claim that " the account number affiliated with the deposited check had produced a large number of returned items ''. However, XXXX XXXX had mentioned in previous correspondence that there were " inconsistencies '' with the check itself as reason for the withholding of funds. It should be noted that " check inconsistencies '' and a claim that the checking account of the payer on the check had produced return items are XXXX separate, distinct and contradictory reasons. Either there were inconsistencies on the check or XXXX 's account produced many return checks? Why was it not mentioned in any prior correspondence? Why was there no specific verification was ever requested? 

3. It should also be noted that it was not a personal check but came from XXXX 's account. It is a flat out lie that there would be a large number of returns on such an account. Furthermore, there is a XXXX number on the back of the check itself that verifies the check authenticity and verifies its secured funds, third party or not. XXXX XXXX 's assertion that they reached out to the issuing bank at anytime is a lie. Furthermore, according to the issuing bank itself and other US Bank reps on a recorded line, the funds were certifiably deposited into the US Bank account without issue. ( the number on the back of the check is XXXX. Us Bank would have no issue verifying the check via this number even being a third party. It simply is a lie ) both a toll free number and a toll number are provided clearly on the back of the check for the specific purpose of verification third party or not. Furthermore, the number is clearly captioned in check copy provided by US Bank in previous letter documents. Thus US Bank no good will effort to verify the check and did notjing. 

4. XXXX XXXX also makes the distinction that his referral to the XXXX XXXX XXXX Branch was not for recourse but to provide verification. Despite that being false, what difference does such a distinction make? I reached out to the Branch and talked to both co-manager and main branch manager and they told me they have no way to assist in the issue as it was out of their hands. Furthermore, the contact info in XXXX XXXX 's last response letter was not for someone at the XXXX XXXX XXXX XXXX. 

5. On XX/XX/2016 i was promised a credit for the XXXX in fees by the US Bank representative on a recorded line.
I am filing a second complaint on chexsystems cause i provided to them a copy of my police report and they have not removed the negative information reporting on my file. I have provided them with proof of the fraud and they have not even sent me a response.
Offenders : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - Account Representative Joseph , Mann & Creed They are attempting to collect a debt we do not owe. We paid this debt as rent, provided the theaters proof ( check # s, deposit date, amounts ) over two years ago, and they are still trying to collect. We have proven time and time again we are done with this and they are still attempting to collect. 

XXXX XXXX has since attempted to collect this debt sixteen times after they have been given proof, and have brought in Joseph Mann and Creed ( adding them makes 17 times they have attempted to collect a debt we do not owe ).
On XX/XX/XXXX I found that I was the victim of identity theft and I did not recognize the debt on my credit report. Upon researching my credit report and speaking with Perfection Collection and XXXX, I was able to find out a person that shares my same name had a debt with XXXX XXXX XXXX. A person with my same name in XXXX, XXXX did not pay {$2400.00} ; XXXX charged off the debt to a third party collector. The third party collector was Perfection Collection LLC. 

At that time, Perfection Collection LLC erroneously applied my social security number to the debt. I only share the same name as the responsible party. 

Since XX/XX/XXXX I have been in contact with XXXX and Perfection Collection LLC without a satisfactory resolution of this incorrect debt. 

I did not sign up for that account, that debt is not mine, and I am not legally liable for the debt. However, because of Perfection Collection LLCs mistake and XXXX inability to fix the originating account ; I have had a negative credit impact. It has negatively affected my credit score and my ability to make credit decisions. 

I have also tried to supply sufficient evidence including my driver 's license and employment verification that this is not my debt. Neither company has been able to resolve the situation. Perfection Collection LLC sent me a copy of the XXXX contract. It is clear that it is not my signature. This has not been solved by either XXXX or from Perfection Collection LLC. Both of these companies are responsible for having wrongly applied this debt to my credit report, and not sufficiently fixing it. 

I have asked both companies for a letter stating that this is false so I can submit it my credit reports. They have failed to do so. 

Third party collection company Perfection Collection LLC XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX phone : XXXX and the originating creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX phone XXXX.
I have disputed an XXXX credit card with Transunion on XX/XX/2016 that officially XXXX is reporting as being charged off. they have sent me back an updated report stating that XXXX verified it. 

I have send them a new letter requesting how did they verify this. How could they have verified it if after multiple attempts to get XXXX to send me proof they were not able to send me any proof that this account has anything to do with me. 

Transunion has meanwhile ignored my letter and is still reporting this inaccurate information on my report. 

I request that Transunion send me proof of how they verified it. just speaking to an XXXX repesentive that looks on computer screen is not enough. 

I request to get either a copy of contract, settlement or some other proof that this account is anyhow related to me. if they verified it by telephone, I request the NAME and direct extension of the XXXX Representative and what proof the Representative said they have that this information is accurate. 

this is my final attempt to settle this dispute out of court. If i do n't get proof of how Transunion verified this account and Transunion will still keep on reporting this inaccurate info on my report, I will sue them in court for violating my rights under the FCRA and for financial loss because of their violating the law
In 2010, I declared bankruptcy. My mortgage with Wells Fargo was withheld from the bankruptcy through a relief of stay ( the mortgage could n't be discharged anyway because it was a secured debt ). After the bankruptcy closed, I refinanced the mortgage with Wells Fargo ( using the Home Affordable Modification Program ). I have been making regular, on-time payments since I refinanced. I have my mortgage statements from Wells Fargo showing this. Also, the loan number on my refinanced mortgage is identical to the loan number of my mortgage before I declared bankruptcy. 
However, Wells Fargo is reporting to the credit reporting agencies that my mortgage was discharged in the bankruptcy, and they are not reporting the refinanced mortgage. That means my credit reports show a discharged mortgage and no current mortgage. 
When I discovered this a few years ago, I called Wells Fargo ( twice ) and asked them to correct this reporting error. They refused. 
Last year, I sent packets of printouts and information to the credit reporting agencies to see if they would resolve this, but they only put a note that I disputed the report of the discharge. 
Loan number information : Original mortgage loan number before bankruptcy : XXXX Original mortgage loan number being reported to credit reporting agencies as " discharged in bankruptcy '' : XXXX XXXX Current refinanced mortgage loan number : XXXX
Dear XXXX, This is XXXX XXXX, my family is a victim of wire transfer fraud ( more than {$120000.00} ) in  Wells Fargo on XX/XX/2018. The fraud wire transfer was on Monday morning XX/XX/XXXX. We discovered the fraud on Wednesday XX/XX/XXXX. The name and the account number do not match in the wire transfer. However, Wells Fargo still released the fund to fraud account on the same day of the wire. After we reported fraud to Wells Fargo, they have not provided any information we demanded and they have not released any information to us. The money was the downpayment for buying our first house. Please help us!! Wells Fargo is just saving the time for criminals to steal our money which we have been saving for a lot of years. The contact in Wells Fargo is : XXXX XXXX, phone : XXXX. Please help us!! It has been 1 and half months since the fraud happened. However, Wells Fargo has not provided anything to us about the fraud. What they are doing is just to cover their mistakes and protect the criminals.
When loans were presented by school was told after twelve consecutive on time payments co- signer ( s ) would be released. All promissory notes were electronic. Now that we have met the requirements they are refusing to release co-signer ( s ) & doing a run around on information. Original promissory notes are no longer available.
We deposit annually a clients check in the amount of {$63000.00} into Bank of America. We always get bank acknowledgement from either teller or branch manager to not hold this check. XX/XX/XXXX we deposited it again and got verbal and written acknowledgment that BOA wont hold it. This money is designated to XXXX XXXX as premium fund account. In XX/XX/XXXX BOA mailed a letter to notify it was held and not paid so it cause our account to be deficient and fees ( {$70.00} ) were charged.

I talked to branch manager without any resolution. We have been banking with that branch of BOA for over 32 years.
Company of original debt, XXXX and it 's collector, Credit Management Company were both notified multiple times that the debt had been satisfied. Entity and collector were provided with receipts and emails from practice manager indicating as such. Company was sent notice on XXXX XXXX, 2016 to cease and desist collection efforts. Company sent that notice back to us with an envelope demanding payment.
On a few different occasions my direct pymt for my loan had insufficient funds due to the timing of my deposits which I have since fixed. My complaint is that on the first of the month, Lendkey auto deducts from my acct. When there is insufficient funds, they say they will make a second attempt. The funds have been immediately available once I have received a notice of insufficient funds. However, their second attempt is not made until it is past the due date and they then charge me a late fee. I am struggling enough to make ends meet and I find this practice immoral and not sure if it is even legal. If I do a manual one time pymt, they end up going into my account for the second attempt ( which is always at the time where they can then charge a late fee ) and take the money anyway and XXXX up my account even further.
On XXXX XXXX, my Chapter XXXX Bankruptcy was discharged without protest. This debt, AFNI, for a XXXX bill, was certainly included. AFNI refuses to close and take this account off of Reporting agencies. I have complained to XXXX, XXXX, and XXXX to take this account off of their listings. They have all refused, and this is the only one remaining derogatory report ( other than bankruptcy ) on all my reports. Not only should it be closed and removed, but the reporting agencies list it as " open ''! I had XXXX pages of creditors. All of them honored the discharged and removed their listings from the agencies like XXXX. This is the only lone creditor account that refuses not only to close the account, but also to remove it. They even list the account as having a {$0.00} balance! Still, they mark the collection as " open '', when the account was reported as being opened in XXXX, XXXX. The actual open date was a couple of years before that. All of these dates surely fell before the filing of my Ch XXXX Bankruptcy in XXXX, XXXX and discharged in XXXX XXXX. Just the fact that this creditor is listed on my report- and especially " open '' is hurting my credit score. I have worked hard to rebuild my credit in 2.5 years, and have been successful. This derogatory mark from this company ( that by law, I was entitled to have discharged ; they did n't even dispute it! ) is sticking out like a sore thumb on my credit report. I have rebuilt my credit very well, but have been turned down for credit due specifically to this " open '' collection account- that is n't even valid! This is a terrible thing to deal with after all the work I 've done to rebuild my credit ; especially since I have done extensive work in disputing this entry to the individual credit reporting agencies themselves! And then, the agencies not removing the entry! Please help me get this last awful derogatory remark- that I am entitled to under the bankruptcy provision- off of my record. 
Thank you
They kept calling me telling me to pay for this bill or ill go to court i paid the amount they gave me to pay so this needs to be over
In XX/XX/1997, I graduated with my student loan debt being XXXX. I recall correctly, I consolidated from both my community college and XXXX year college to accumulate that amount. At the time, the interest rates were near XXXX %. I was never able to re-consolidate again to lower the rate, I was told. I paid it faithfully. Then, I married and started a family, in which I ended up staying home to raise. I chose that because I was a XXXX school teacher and did not get paid enough to afford day care. My husband was in a union apprenticeship that happen to come with some really bad times. In turn, I had to defer my loan numerous years because we could not afford to pay it. We, at times, were on state assistance too. Because of the deferment, now the loan has gotten so high that I can not afford to even pay the interest. I do not know how to handle this. I am back to work, but only make XXXX a year as a XXXX school teacher, and my loan has accurred so much interest that I can not even afford to pay it. It 's very upsetting to me that when you file an financial hardship, the interest still accures, how does that help. I have accured more interest than the amount of the loan. Something has to be done with student loans in this country. It 's not like I just ignored the payments. I contact Great Lakes, for help and they just consistently told me to defer it because of my financial situation. Now, look where it 's gotten me! I am so irritated. XXXX years later, no help from Great Lakes when I needed it and now a loan almost 3 times the amount I borrowed. I have no idea how to handle this.
I have paid off my student loans to XXXX and I want the accounts closed immediately but I can not get Navient to respond by email or phone to solve the problem. I have heard MANY complaints about people getting billed for more after getting their loans down to XXXX. I want my loan accounts closed so that they can not do this to me. If you have any suggestions as to how to get them to do this, I would be very grateful.
On XX/XX/XXXX my husband was contacted by our Property Tax office here in XXXX County, Tennessee. They stated that our property taxes due had not been paid. I contacted our mortgage lender, US BANK, and they stated that the taxes were paid in XX/XX/XXXX and were returned in XX/XX/XXXX as a tax refund. It was not until XX/XX/XXXX that we found this out. According to US BANK, they have a work order on this. 
On XX/XX/XXXX we called our tax office and they stated that the taxes have yet to be paid. I called US BANK, spoke with an XXXX who said that when she spoke with the tax area of the US BANK that the work order is still open, but now has a rush on it. We have 2 parcels and she stated that is the problem. Taxes are paid by a 3rd party and US BANK needs to look into the situation before they can pay the taxes. In XX/XX/XXXX,  when the taxes were paid by the escrow with US BANK. there was no issue. I explained that these taxes are due at the end of the month and I will not incur more expense due to their negligence. Also, because my husband and I do not make alot of money, we were approved for a " rebate '' on our taxes, after they are paid. If they are not paid by the end of the month, we lose that too.
On XX/XX/XXXX, I called Synchrony Bank to make a payment arrangement for a bill that was not overdue. I then found out that they randomly lowered my available credit amount based on a credit report they ran for me. This in turn lowered my credit score, which in turn causes them to lower the credit limit on yet ANOTHER credit card i had with them and AGAIN impact my credit.

They have no explanation and Id like to know how this is remotely fair, as it seems like a XXXX XXXX.
As early as  XXXX   XXXX ,  2016  I disputed the accuracy of the reporting of  XXXX   XXXX  credit card accounts -- dispute letters to all   XXXX   credit bureaus and directly to the creditor. I never received any response to my dispute so I wrote directly to the alleged creditor on on  XXXX   XXXX ,  2016 .   XXXX  My understanding is that this reporting must be removed if the creditor can document and prove that is both 100 % accurate and 100 % verifiable
I applied for a Citi Bank/Costco card and received XXXX in XX/XX/2016. The card was activated and used in XXXX. I received a telephone call that I was overdue in the middle of XX/XX/XXXX for a payment, I told them that I had not received a bill. They said that I was paperless ( I did not choose that option, nor would ever choose that option ) and my bill was being deducted from an account. I asked what account and was told that I had n't set that up yet. I explained that I did n't want to be paperless, nor did I want to have an automatic withdrawal from my account. I was told they could not e-mail me a bill, but they could fax me a bill, but it would take XXXX hours. No fax ever came in. I was called again this past Sunday XXXX XX/XX/XXXX ) and told that I had to make a payment on the card or would be billed for interest + a late fee. Again I told them I had not yet received a bill and was told that they showed that a bill was sent out on XX/XX/XXXX and it could take XXXX days to receive it. They never indicated that I had been sent a fax. Again the pressure to set up an automatic bill paying account - which again I refused. I asked to speak to a supervisor and spoke with " XXXX '' employ # XXXX. He also demanded payment and said they would XXXX a late fee and interest that day if the account was not paid in full. Even though I still have never received a bill ( either by fax or through the mail ). I paid my account in full by giving him my routing # off of my checking account and asked him to close my account. What is so frustrating is that I still have n't received a copy of my bill, I am not sure the charges are correct, I have paid the account off ( {$4400.00} ) but have no way of knowing if those are the correct charges or if I have been charged late fees, interest, etc. I checked the mail yesterday XXXX XXXX ) and still have n't received a copy of my bill and they still have n't faxed anything to my fax machine. Again during my phone discussion there was the pressure to set up my account in an auto pay mode - which I adamantly refused to do! Can a credit card company refuse to supply the bill and yet demand payment? I ca n't dispute any charges since I have never seen my bill.
I disputed items on my Experian credit report, but was told that the request would not be honored because it did not look right. Experian sent me the notice with one side of the document left blank. I made another dispute attaching their document to it and requesting a free copy of my credit report. They advised me to go online to make the request. I informed them that by law they have to honor my dispute and send me a copy of my credit report.