WillisBack/dataset-financial-user-claim huggingface dataset:
I requested my records from XXXX XXXX XXXX XXXX and was told by XXXX XXXX XXXX XXXX that there was a flood and the only documentation that they had for me was the check  that I signed in XX/XX/XXXX for {$2600.00} and my attendance record. I explained that I was attending school when XXXX suddenly closed the doors. I initially started in XX/XX/XXXX, I took a medical leave of absence due to XXXX XXXX. When I returned they had return my grant money and I had to take out another student loan. I returned to school in XX/XX/XXXX and completed the classes that I needed to take ( I waived the word processing portion and was waiting for the end of the course and the school closed. I have been back and forth with XXXX XXXX for years trying to resolve this matter. They have the paperwork that shows that I was in school as of XX/XX/XXXX and they insist that I wasn't within the 120 days of the school closure. The {$2600.00} loan is now $ 17K plus. I am 22 credits away from my degree and I can no longer pay out of pocket. The course at XXXX was 34 credits and I can't get that either. I am returning to school on a less than a half-time basis, because that is all I can afford. This s a huge hindrance. I am a XXXX for the XXXX XXXX and I am being compensated as if I have a two year degree. I have 114 credits, 34 credits that I can't get credit for and 35 years of work experience. Please help!!! I would prefer a arbitration hearing and not just XXXX XXXX blowing me off. Thank you.
I recently pulled my credit report and discovered that you have reported that I owe a debt. To my knowledge I have never done business with your company and nor have you provided me any services or goods
I have asked One Main Financial not to call my place of employment and yet they have on three separate occasions. The most recent was on XXXX/XXXX/2016 when my coworker again informed them that I could not receive calls at work. It is embarrassing and allows other people to know my personal business.
Unfair, deceptive, and abusive practices. Changing corporate policy with clear political agenda.
This is a complaint about my XXXX XXXX, which is handled by Citibank , N.A . 

I had setup automatic payments of {$27.00} per month for my credit card, however, the payment was posted approximately 5 hours after midnight on the due date for XX/XX/2018. This seemed to be due to a delay in handling by the credit card company. 

The credit card company charged a {$27.00} late fee, and when I refused to pay that late fee they charged another {$36.00} on top of that. They later reversed the late fee for XX/XX/XXXX, but refused to reverse the one for XX/XX/XXXX. 

In addition to charging fees for problems that appear to be caused by their processing department, the way they apply payments is deceptive. When I make a payment online, the website clearly states that payments will reduce the balance I owe on my 6 month no-interest plan. However, in reality, payments are first applied to any fees before the balance. This has the effect of increasing substantially the amount that they receive in finance charges since the finance charge for the balance is accumulating over a period of months, whereas the finance charge for fees only starts to accumulate from the time the fee is assessed.
My father died XX/XX/XXXX. Before his death he made my XXXX brother and I beneficiaries of his home. His Mortgage is with Ditech and he was paying for insurance that would pay for the house upon his death. Not only has Ditech refused to talk to us, ( my father did not make a will ) and they have not honored the insurance my father purchased. Because the property is worth less than {$50000.00}, and it is in CA no probate is necessary. I have sent Ditech many documents stating this fact, but they still refuse to discuss the account with me and have sent a notice that they were going to start foreclosure on XX/XX/XXXX. Since they consistently refuse to discuss this account or honor the insurance, I have to file this complaint. I am out of ideas. I have been to an attorney 3 times and I do n't know what else to do
Chase checking account. 
At XXXX, XXXX XXXX, XXXX, my account was showing a positive balance of {$15.00} with numerous items pending from over the weekend. 
At XXXX XXXX on XXXX XXXX, my balance is now showing $ XXXX due to two items that caused the account to go negative and the two overdraft charges. 
Chases policy is that if the account is brought to a positive balance the same business day, the overdraft fees will not be applied. As I mentioned above, at the end of the day, the balance was positive. They took the debits out the following day and backdated the transactions to cause the overdraft. As soon as I knew about the overdraft, I deposited enough to bring the account to a positive balance ( except for the overdraft fees ). 
Chase has done this several times and debits the items when we are not given a chance to make the account current.
I have ask them to remove XXXX XXXX XXXX that was open XX/XX/XXXX that is is BEYOND STATUTE and they it have be their until XX/XX/XXXX
XXXX XXXX recently reported a debt on my credit report. Prior to this account appearing on my report, I was not contacted ; and was not given a 30 day notice to dispute.
I am the victim of ID theft and Equifax is reporting a fraud account. I have tried disputing it and have sent in a police report as well showing it is fraud.
I contacted Equifax Dispute Center, and was connected with XXXX, one of their customer service reps. I explained to him that I have tried many times to remove old addresses from my credit report, and have had no luck. He said that as long as creditors report them to Equifax, there is nothing he could do to help me. I stated to him that by law, Equifax is supposed to report correct information, and none of these old addresses are correct. He refused to delete them. I next moved on to some old accounts they have listed on my report. I informed him that I have written the XXXX XXXX XXXX XXXX twice to try and verify their claims that I had late payments on my student loans in 2014 but they do not respond back. I've called them numerous times but nobody can verify these late payments, so I asked XXXX to delete them from my report. He said without notice from the creditor, he couldn't do that. Same situation with a SSA account that is on my Equifax report. I have contacted them numerous times and they can't verify the account belongs to me, which it doesn't, it belongs to my deceased father XXXX XXXX. I asked him to delete this account due to lack of verification, but he refused.
I filed a complaint with the CFPB -Experian has responded that United Revenue STATES THIS IS legitimate- NO DOCUMENTATION - ZERO - and has placed this FRAUD statement on my credit bureau again- Experian has no PROOF - NO DOCUMENTATION what so ever and never will - this is a fraud debt by this firm United Revenue- I am demanding Experian follow the FTC guidelines on Credit Reporting - I am XXXX - elderly and handicapped this is a TOTAL fraud and I have reported it to the ADA * XXXX * I am seeking damages in a court of law - This is what is reported ** XX/XX/2018 Source Experian Date Submitted XX/XX/2018 Report Number XXXX Account Number XXXX Company UNITED REVENUE CORP Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
I 'm writing to dispute, for the third time, XXXX XXXX XXXX XXXX. Had charged off credit card through JCPenney owned first by GE then transferred to Synchrony Bank and this still sits on all three credit reporting agencies. Debt subsequently sold to debt collector, XXXX XXXX XXXX appears on all three credit reporting agencies, as well. 

So debt was paid through settlement and was told shortly thereafter all items would be taken off of my credit reports - all three agencies. 

THIS WAS TWO YEARS AGO AND STILL BOTH ITEMS ON ALL XXXX CREDIT AGENCY REPORTS. 

Received a letter XXXX XXXX, 2016 from debt collector wanting additional materials concerning the previous dispute attempt, of which XXXX XXXX was forwarded all this information previously. 

Not only is this frustrating that after two years this debt collector has failed to do what originally was promised, but sending a letter stating they have n't received any materials, appears to be delaying their process, which I do n't understand. 

I 'm attaching all three credit report sections listing JCPenney AND XXXX XXXX XXXX and a copy of their letter.
I made a payment for XXXX to my insurance was to come out of business account but mistakenly was taken from my personal account. Bank notified me on XX/XX/2017 that I would have overdraft of XXXX put into my account with service fee of {$12.00}. I immediately put money in my personal account on same day bank unwilling to cancel the fee or cash advance of XXXX both of did n't have to happen. Bank robbing us.
XX/XX/2012 I attempted to make an internet purchase of a Mercedes Benz from XXXX of XXXX MD - terms were agreed to and the car was delivered by a motor carrier designated by the dealership [ enclosed ] Upon delivery I recognized the car was not as represented by the dealership sales people - photos were carefully shown to illustrate the good parts of the car - not the ones in need of attention. I HAD DAY ONE DELIVERY ISSUES. 
Over the months that followed I contacted the dealership and M-B Financial in an attempt to resolve the issues. 
both the dealership and M-B Financial did nothing but give me lip service on why the issues were my problem not theirs. 
After canceling the deposits and refusing to pay for this fraudulent internet car buying experience - I voluntarily turned the car in. Was recognized as a voluntary repossession, where again despite my efforts with M-B Financial to get the XXXX-Repossession OFF my credit history - they would not help me with that either - where my credit has been badly damaged by this bogus and fraudulent internet car buying experience. 
Simply the worst business experience I have ever had.
My mortgage is currently with Stearns Lending. Over a month ago we sent them a check for {$25000.00} ( insurance claim check that must be cosigned by them to repair hail damage to our home ) and submitted all of the required paperwork to include a signed contract with a local painter to begin our repairs. XXXX is fast approaching in Colorado making outdoor labor very difficult and yet still no check from them???? It appears they have a sub-contractor that handles insurance claims in the name of XXXX in XXXX S.C. Our money is NOT in our regular escrow account so we suspect that all of the " stall and delay '' actions taken by XXXX are intentional and they are profiting off OUR insurance money?? Pretty sure what they are doing is illegal on several fronts but I should leave that up to you to decide. Regardless we need our insurance money so that we can pay for the repairs to our home. Every time we call there is a new reason ( not on the checklist ) for our money not being sent??? I XXXX this company and it appears that I am not the first person to be jerked around continually by these criminals.
There is a debt on my credit report that does not belong to me, the credit report had removed it as they can not validate the debt, but to my surprise two weeks ago they added the debt back to my account without given me a written warning nothing to validate that this debt is mine. The credit bureaus continues to violated my right. I need help as I would like to take them to court for failing to validate a debt but then placed it back on my credit report
Latest call on my cell phone from XXXX ( Midland Credit of Michigan, although their XXXX XXXX is in XXXX XXXX, CA ) on XXXX XXXX, 2017 looking for someone not related to me as usual. Many calls are " hang-ups '' and never a message is left. Other calls come to my home phone. I am not a research service willing to give any debt collector any information about myself or anyone I may or may not know. I 'm certain that just a call back to direct them never to call me again will result in my phone number being added to their database and sold by them to databases all over the country. There is precious little federal protection from this sort of data theft. Such calls, where the caller KNOWS you are not the person for whom they are searching are harassing, hurtful and unethical. When these mountebanks call you, ignore them, NEVER give them ANY information and report them immediately to the BBB and sites like complaint.consumerfinance.gov.
The loan repayment process has been a long painful struggle. When applying go my federal, non-Federal, and Navient loans it was not made clear on what is expected of the borrower and payment process. When initially applying for loans, it was not noted nor was I informed that the loan would be broke up into many smaller loans. The interest rates for the loans have been so high that even paying the bare minimum does nothing on the principle balance. I have tried to make my payments and have applied for forbearance 's when struggling but my principle balance and interest continues to grow. When looking at my accounts, it is completely confusing to understand the loan process. Since I have had to apply for forbearance 's, my interest has added XXXX dollars to my loan since graduating. When applying for repayment plans for certain lengths of time, the long-term actions of the borrower is made unclear. When the repayment process is over, the loan payments and interest rates skyrocket to make paying the monthly amounts unrealistic. I recently have been paying monthly on my loan, however I keep getting calls several times a day about non-payment. When I call and talk to a person, I keep getting different answers and nobody seems to really give me an answer. Last time I called, the person told me that I have not been making payments and there is no record of me making payments, however it have been debited from my bank account for several months. The whole process is overwhelming and I know I will never come out ahead.
I contacted XXXX today, XX/XX/2011, after repeated phone calls to myself ( sometimes multiple calls per day ) as well as to family members -- in order to request their address so I could send a registered-mail written request to cease & desist phone contact as well as to request a written notice of the debt. 

I was abruptly interrupted & asked if I was going to pay this debt. I responded that I was not going to have that conversation at this time & repeated my request. I was again interrupted & the agent began shouting at me, disregarding my request & asking me if I was going to pay the debt & why I was n't. I requested their address a third time & stated that I would be contacting the FTC, at which time the agent said she was transferring me to a manager. At this point I hung up & called FTC. 

The agent did tell me that the debt was in the amount of {$6800.00} / Chase Bank, which according to stale debt/time-barred legalities, exceeds the statute of limitations as this account was closed & has not been paid on for at least seven-years.
I submitted my ID theft form in regards to unauthorized fraudulent inquiries that are listed on my credit report. XXXX XXXX multiple times, XXXX XXXX, XXXX, XXXX, XXXX/XXXX and XXXX/XXXX, also fraudulent accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, these accounts have been removed from my report by XXXX, but XXXX and XXXX has refused to block the fraudulent reporting accounts. They refused to investigate these account and delete them from my credit profile. This is hurting my credit!
The inquiries on my report were unauthorized.   XXXX   does not want to investigate in to the situation for you.
This is violating FDCPA, FCRA, and Consumer protection Laws in connect with Accounts not Authorized, Verified and/or not accounts with no contractual agreements to this company. This Company is also in violation of COPYRIGHTED name and/or likeness.
I am not at all satisfied with a response from the bank that says I can expect to hear from them in 60 additional days. They have violated every regulation that pertains to my situation. What the law requires of the bank is 10 days or to give a provisional credit, which they did, however 10 days after that they stole my direct deposit from my employer. Having my money and did n't make good on checks presented whist in possession of my money. The law is clear and I will attach the correspondence I 've had with the bank. How can you allow them XXXX days. Should I hire an attorney? My open case number is.XXXX
I am going over my credit report and I see that my information is either inaccurate or old dated. 
My name is XXXX XXXX XXXX I am XXXX my company is XXXX XXXX XXXX XXXX XXXX XXXX. 
My DOB XXXX SS XXXX MY only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX PHONE NUMBER XXXX THE FOLLOW ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I HAVE A HARD INQUIRES ON MY CREDIT REPORT THAT ARE UNAUTHORIZED I NEVER DONE ANY BUSINEES WITH XXXX XXXX, XXXX, XXXX XXXX. PLEASE REMOVE THEM THEY ARE NOT AUTHORIZED. I WOULD LIKE TO BE OPTED OUT OF ALL PROMOTIONAL CREDIT CARD ADD AND INSURANCE PROMOS. 
THERE IS A ACCOUNT SHOWING ON MY CREDIT PROFESSIONAL BUS BUR # XXXX****. THIS ACCOUNT WAS NEVER IN COLLECTION AND HAS ALWAYS BEEN PAID IN FULL, NOT SURE HOW OR WHY IT IS ON MY CREDIT REPORT PLEASE DELETE THIS ERROR.
On XX/XX/2018 a letter from XXXX XXXX which holds my Home Equity Line of Credit was sent to me saying that my funds were no longer available due to a report to the credit agency XXXX. I went to withdraw money for home improvements on XX/XX/XXXX, however I had not opened the letter from the bank at that time. I was denied access to my loan. I came home checked my credit report and there was a collection notice from Pro Collect Inc. of XXXX Texas in the amount of {$1000.00}. This amount is related to a judgement for a relative with the same last name and address as mine. Pro Collect has no documentation of any judgement against me because there isn't any. The amount matches the judgement amount for my relative. I called Pro Collect on XX/XX/18 and they refused to work with me. I have sent them a certified letter on XX/XX/18 telling them to remove this false report on my credit. I have also sent letters to all the credit reporting agencies on the same date. I made a dispute online with the credit agencies on XX/XX/18.
Radius Global Solutions has reported a delinquent medical from date of service XXXX for XXXX XXXX. Phone number on credit report stated the file was being handled out of another office and provided an XXXX #. I called several XXXX # s after being given direction by each XXXX # previously dialed to no avail. No one was able to assist. My insurance was supposed to cover payment for the {$1600.00} that is being reported but ai can not get anyone at the company to assist. Im applying for a home loan and this is affecting my credit score which is in turn giving me a higher interest rate. I want this collection removed from my report. Ok to speak to my wife XXXX XXXX.
This public record has been sitting on my report for years now. 
I filed a complaint with the City of XXXX, sent them documentation of my address etc, and they promptly removed the lien. The lien was removed because it was in fact AN ERROR, it never should have been placed on my report. At this point however a third party already sent these details to the credit bureaus. 
I 've since disputed the information with each bureau, XXXX & XXXX promptly removed it after properly reviewing the case. However, Equifax still continues to report this. Their response to my complaint was to simply contact the court who listed the information. The courts verified it was listed and removed, and the dates it was listed and removed. My complaint and my dispute was never whether I was the person in question - it was the fact that the lien was improperly filed and should not be listed on my report as a valid record. The original party who filed this is the XXXX County Recorder of Deeds, NOT the court where it was filed. This needs to be removed immediately. If Equifax inted to investigate, they must contact the ORIGINAL furnisher of the information, not a third party ( i.e. the court ). I have called Equifax several times and requested to be contacted by a manager or someone in authority to handle this, and each time I am then put on hold where all I hear for hours is hold music.
I have been trying to get online statements for the past ten days from my checking account at XXXX Santander. I spoke to a supervisor, XXXX, on XX/XX/2017 after a 40 minute hold time. XXXX told me that she would have someone get back to me ... After a week of patiently waiting and hearing nothing I called again and waited for 33 minutes but got connected to XXXX who was going to try and connect me with XXXX but she hung-up on me. So I contacted the District Manager by phone and left a message for XXXX XXXX XXXX, To date I have not heard one word from this bank. I would like to start working on my taxes and need the ability to gather data on line and sort data. I have no idea why they are not providing basic services for my account. I know they have the capabilities but are unwilling to fix this issue. I am sure this is happening to other customers and this is a clear violation of federal law and banking regulations. I am reaching out to you in hopes you can get someone to at least contact me and get this situation resolved. Bad customer service is no excuse for no customer service. I can be contacted at XXXX XXXX, XXXXXXXXXXXX. I look forward to your timely response.
Purposeful misrepresentations, Abusive tactics, Obstructing Hamp modification. 
Applied for XXXX refinance due to lost income. 
1.Green tree representatives, kept pressuring for payments during loan modification approval period, by using abusive language. 
2.Would not give status of modification without payment of past due balance. 
3. Misrepresented that we had to have our payments current for the Hamp review committee to approve our modification4.Would not give name of supervisor when I confronted representative about abusive behavior. 
5. Called XXXX times per day during the Hamp trial period. To tell us that our loan was in default and we needed to pay the outstanding balance.
I was contacted at work and given the number XXXX to contact about a case # XXXX. I called the number and gave the case #, I should not have given my social security number over the phone. There was no company greeting, just a " how can I direct your call '' I was transferred to a representative and was told that there was a judgement being filed against me. I was given the terms of the judgement. I asked for a payment plan, he placed me on hold and " spoke with the client '' they wanted to know when I could pay the money. He then started demanding my pay schedule at work. I said I would not give that information to him. he said fine I 'll just get it from the judgement. He then hung up the phone.