WillisBack/dataset-financial-user-claim huggingface dataset:
In early XX/XX/XXXX, I went to make my car loan payment and noticed that my balance said " XXXX ''. This was not correct and I called Wells Fargo immediately. It was determined that a car dealership had accidently paid off my loan ( when it meant to pay off another loan ) and it would take a week to get the loan reinstated. I said over and over again that I was concerned about two things : accruing any fees and this hurting my credit. I was assured neither of these would happen. 
After about XXXX weeks, my loan was still not reinstated. I called Wells Fargo and they indicated no one from the dealership had returned their phone call. I asked them to please contact the dealership as I wanted to get this issue corrected. I had to continually call over and over again to check on the status. Once the issue was finally corrected ( after about XXXX weeks ), I noticed that I had an additional charge of {$13.00}. I called and inquired about this and the first gentleman I spoke to said " Do n't worry, just make your regular payment and this fee will fall off ''. When I went to make my next month 's payment, the fee was still there. When I called in to inquire, I was told that because my account was " Paid Off '' for a period of time, I had to pay this fee for the accrued interest. 

I was assured over and over again that I would not have to pay any fees and my loan would " return to normal '' once this was fixed. My husband and I did absolutely nothing for this to happen - we were victims of bad luck ( or a bad employee who did n't verify the loan information before they paid it off ). I have spent hours and hours on the phone attempting to resolve this issue. All I am asking for is that the fee of {$13.00} be removed so I can continue to pay my car loan amount that I was paying before this whole mess happened. 

I submitted a complaint through wells fargo 's website and it was handled extremely poorly. I finally received a letter in the mail well over 30 days from the time I submitted it and it mentioned NO WHERE what my actual complaint was. I would like to get this issue corrected and put this whole mess behind. I believe that Wells is dragging their feet on this issue in hopes that I will pay the fee.
In XXXX 2015 I reported to the credit bureaus ( Equifax and XXXX ) that I did not authorize XXXX., to run my credit with any banking institution for credit on a new vehicle. I gave XXXX permission to run my credit and I told them if their financial institution could not finance me then I do n't want the vehicle. I was informed by my sales Representative XXXX XXXX XXXX XXXX, XXXX that my credit would not be sent to other financial institutions. But I found out later that was a lie, when I pulled my credit report it had XXXX inquiries ( XXXX Bank and XXXX ) I did not give permission to run my credit. I wrote XXXX and they did not respond to my request for them to contact the financial institutions and have them to remove those inquiries of my credit report. These inquiries are hurting my credit and me and my husband have put off building a home due to these inquiries. I have given them more than enough time to remove these inquiries and they have not. I am attaching a copy of a signed receipt from XXXX where they did receive my letter to have these banking institutions to remove these inquiries.
Dear CFPB : My client  XXXX   XXXX  has been trying to modify his home for  XXXX  years. Accumulation during that time is in excess of {$100000.00} in payments during this ; Prior to   XXXX   numerous issues plagued his ability to get modify including judgments against his home and his inability to deposit his income for fear that the judgment creditors would seize his bank accounts. In an effort to resolve this matter. The client filed for bankruptcy, made a motion to relieve the home from judgment creditors both which were granted. In addition he has saved {$30000.00} to put towards any arrears and submitted the modification again . Wells Fargo  has refused to process this modification stating that there is no change in circumstance ; I believe discharge in bankruptcy, showing all income via bank deposits and a contribution of {$30000.00} is more than a change of circumstance.
I have bi-weekly withdrawals out of our checking account every 2 weeks to pay our mortgage, hence making MORE payments than required. Apparently PHH mortgage uses a 3rd party named XXXX XXXX   for their equity accelerator program. After 5 years of payments with no issues, I received a letter from PHH dated XX/XX/XXXX stating that my mortgage payment wasn't received. I received a statement on XX/XX/XXXX saying that the amount due for XX/XX/XXXX was {$5700.00}. I called and spoke with someone who was mediocre at best - but regardless, the " problem '' corrected itself. 

Six months later, we start to receive phone calls, letters, and bills stating that our mortgage is past due. This is ludicrous because I am making payments bi-weekly as stated previously. I've called PHH SEVERAL times since receiving the first letter in XX/XX/XXXX, and to date ( XX/XX/XXXX ) they still have not resolved the issue with the billing company. PHH is issuing late fees to my account and leaving threatening voicemails regarding getting bill collectors and credit bureaus involved. 

I am at my wits end with this company and their lousy customer service. My husband and I work very hard to ensure our bills are paid timely and have excellent credit scores as a result. I don't appreciate PHH mortgage company running our good credit into the ground simply because they can't communicate with the company that THEY hired!
I currently use an American Express Serve card. ON XXXX I used my Serve card at the gas station. When I bought {$8.00} worth f Gas American Express transferred {$92.00} to the Serve card from my XXXX account to cover the gas. This {$92.00} transfer cost me a {$34.00} fee from XXXX. I immediately called American express to have them reverse the transfer so I would n't incur the fee and they refused. I use a prepaid card to monitor spending and avoid fees. Since American Express Serve targets poorer nonbanked communities, causing customer to incur fees seems callous and predatory.
HI, In applying for a credit card I was denied which surprised me because I pay all my debits. However, I have a problem with social security administration with an overpayment. The overpayment is in dispute and has been for over 2 years now. In the meantime, we have set up an agreement that I pay them {$120.00} per month until a decision on the amount is made, and I have paid every month. My credit is damaged and it should not be, and I do not know how to correct this problem.
On XX/XX/18 I sent a dispute to the XXXX at XXXX  XXXX XXXX Tx XXXX and Transunion at XXXX. XXXX XXXX. XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. The account is XXXX XXXX XXXX   in the amount of {$4400.00} needs to be deleted immediately for not following FCRA rules and regulations in a timely manner. This debt has never been verified, I have not received in the mail and XXXX and TRANSUNION aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XXXX and continue my education.
My wife had set up a monthly payment towards an account that was paid off. My wiffe had passed away Monthly credits continued to build up. Once i discovered this i sent in her death certificate. They refuse to close the account and send me the credit still on the account.
PNC bank violated Bulletin XXXX-XXXXRefused information to children and estate of deceased borrowerFailed to provide children witho Standing of the mortgage loan as current or delinquent. 
o Eligibility of the successor in interest to continue making payments on themortgage loan. 
o Whether a trial modification or other loss mitigation option was in place at the time of the borrower 's death. 
o Whether there is a pending or planned foreclosure proceeding. 
o Eligibility of the successor in interest for loss mitigation options. 
o Eligibility of the successor in interest to assume the mortgage loan, with or without a simultaneous loan modification or other loss mitigation option. 

Told children that PNC would NOT discuss the mortgage at all and hung up the phone.
Equifax has my personal information incorrect, so I can not get a loan, a place to live, and I have lost a hard job offer because of this. I have submitted certified copies of bills, birth certificate, and social security cards to them, and they " lost them. '' I have been on the phone for hours with people who do n't speak  XXXX .     XXXX   just performed an investigation and removed  XXXX  of  XXXX  charge-offs from my account. My credit score dropped  XXXX  points over night, and again, no one at   XXXX   can speak  XXXX  or help me figure out how removing charge-offs causes a  XXXX  point drop.
I am an XXXX citizen living in XXXX. 
When I opened a Coinbase account I was asked to prove my identity and country of residence. 
After few month, I've tried once to access to my account when I was in XXXX for vacation. 
After this event, when I try to access to my account I lend to a page where is written that because of what recommanded by the U.S. Treasury and the Office of Foreign Assets Control ( OFAC ) my account is locked. 
I sent several emails but after more than 3 weeks I still can not access to my account.
I am being harassed by Navient, I 'm being called 10 to 12 times per day and evenings, by several different phone numbers..My loans were consolidated in 1997, at nearly 8 % thats 20 years ago. I asked XXXX XXXX 10 years ago if they could reduce my interest rate being charged, when loans were at 3 1/2 percent, however was told if I borrowed more it would reduce interest rate on what I borrowed only. I have applied for a forbearance or deferment, however was told that i 'm NOT eligible. 
Income/sensitive reduction of payment OR ALLOW LOANS TO BE DISCHARGED TOTALLY IN BANKRUPTCY LIKE OUR NEW PRESIDENT ELECT DID ON SEVERAL LOANS. 
THE STUDENT LOAN INDUSTRY IS ONE OF THE GREATEST CONS TO REACHING THE AMERICAN DREAM ILLUSION.
Our insurance has paid more than what was the contracted rate and my family has a deductible per year and was met for that year. Just because and XXXX states patient is resp does not mean a patient is resp. If XXXX has a deductible and it has been met the patient has no out of pocket expense what so ever. Just because you go to an emergency room and a emergency room Dr sees you does not mean to double bill the insurance with XXXX different facility names that is still double billing. I now my rights as far as biller goes and I know when a XXXX is a duplicate claim. I have notified our health insurance with this issue let them know that we are being sent to collections and this is a white collar crime and my civil rights are being abused and this is fraud. Per our XXXX it states clear as day on it that charges exceeds the area 's usual and customary charge amount. I notified our health provider multiple times and they even stated they are billing way to high for a bill that has been paid more than what was allowed. and now collector and hospital are trying to collect in error.
I have allot of medical bills damaging my credit. I can't even get a apartment on rent so I can live In peace. I talked to a paralegal and he said that medical bills shouldn't be apart of your credit. Please remove this. The company name Is XXXX XXXX XXXX.
I bank with Rushcard! I have yet to receive my direct deposit from XX/XX/2015! Its supposedly due to a glitch in the system due to a glitch! I need my money I worked hard for! My bills are yet to be paid! I ca n't keep putting them off till Rushcard decides to give me my money! Please help!
Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681.  You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious  consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. XXXX XXXX ( no acct # per XXXX XXXX ) unverified account/no contract
Company ran my credit report with out authorization on XXXX XXXX and XXXX XXXX 2016.
I have opened a bank account at PNC Bank, last month and i have been waiting for my check book, and have not received it, but there is a check on your account that has been cashed without my permission or knowledge.
I took out a payday loan of {$600.00} in   XXXX  . I have paid this company on time each month, and I have paid them, according to my records, {$4300.00} total. I called to try and get the date of withdrawal changed and they said that because they had already done that twice for me they would not help anymore. My young daughter is currently at   XXXX   XXXX   XXXX   XXXX   because of  XXXX   XXXX  and complications from it. We have spent thousands of dollars in medical bills alone.   I looked at my loan contract to see how to stop the ACH withdrawal because right now we are a t zero and  wo n't get paid again for another week. Nowhere on the contract does it state how I can stop the ACH withdrawal. That makes the contract invalid according to the law.   I want them to stop the ACH withdrawal altogether but their company refuses to tell me how to do that.
Company XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, SC XXXX is trying to collect a debt that is not mine. False credit card from a XXXX XXXX XXXX that i never had and they are trying to collect {$720.00} on my Trans Union credit report only. I have sent validation letters to these people without any response back. They have had 2 validation letters sent out in the past 3 months with no response and they are still reporting erroneously on my Trans Union. Trans Union fails to verify properly and ignores the fact that i am concerned about this false account. I am reporting this complaint on XXXX as well as Trans Union for  not verifying this unknown debt. This is why i have a fraud alert on my credit report due to fraudulent debt collections such as stated above and credit bureaus not doing the proper verification, instead the credit bureaus use a computer ( e-oscar ) to verify and that it not appropriate for fraudulent debt collectors! Please remove Trans Union this is already in violation to the FDRA and XXXX is in violation of the FDCA
My issue is that my credit card account was frozen, and then closed. My checking line of credit account is frozen. My checking account was frozen ( It is current unfrozen, but the lack of response from the company leaves me little faith in them going forward ) I received no notice as to why this has occurred. I have sent in the documents I was asked to send in upon my calling their XXXX and speaking to a front line Customer service representative. I have never been able to speak with or communicate with in any way the " person '' who is supposedly asking for these documents. Time line and events will be attached. ( too many characters. )
I disputed this account information starting XX/XX/2016- XX/XX/2016. The account is aged and needs to be removed. It's been removed from XXXX but still remains on XXXX and Transunion.
I had hail damage to my house ( primarily the roof ). The insurance company made the check out to me and my mortgage company, Provident Funding. Provident funding asked me to endorse and send the check to them, but they would not provide me in writing the procedure and terms to get the funds released. I am wary to give them the funds unless I have the release procedures in writing.
MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE PLEASE DELETE AND REMOVE IT FROM MY REPORT. 
I called this company they could n't tell me why they are on my report .I sent letters to company asking them to send me what ever information that was used to open this account because its fraud no response after 5 months .I sent the credit bureaus letters disputing these accounts asking them to please investigate this fraud debt on my credit report because it was n't mine and to send me whatever the company sent them to verify the account. Thy just said verified and left on my account.
On XX/XX/2018 I have asked Transunion to please updated my address with only the address listed on my drivers license. And yet there are still addresses I dont recognize o n my report. Please help me in getting the only address listed on my valid license listed on my credit report.
I am a victim of identity theft. While incarcerated from XX/XX/XXXX to XX/XX/XXXX, someone stole my personal information and identity and applied and opened up the following unauthorized and fraudulent accounts in my name : XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX & # XXXX. I have attached supporting documentation for proof, I was incarcerated.
In XX/XX/XXXX the property was purchased for $ XXXX and inXX/XX/XXXX a $ XXXX HELOC was taken out. As you already know, the original purchase was financed by two simultaneous mortgages for $ XXXX and $ XXXX totaling $ XXXX, but when the $ XXXX and $ XXXX were consolidated ( see Exhibit 1 ), evidently the $ XXXX was confused with the HELOC and left off ( see Exhibit 2, page 11 of title report ). Also, among other errors, $ XXXX in closing costs was apparently mistakenly entered as $ XXXX ( see Exhibits 1-4 ). If you resolve this soon we wo n't sue you. A sale of the property is collapsing, as we have previously told you.
I had a {$0.00} balance on my Macy 's credit card and still received a bill for {$2.00}. Had I not checked ( assuming the bill was {$0.00} ) I would have missed a payment, negatively affecting my credit.
Hi, There is a foreclosure sale date set on my property for XXXX/XXXX/15. I have tried to request postponement and the lender has denied the request. I just received an offer on the property XXXX/XXXX/15. I have sent a copy into the lenders. I know this is very short notice but I 'm asking for you to help me with postponing the foreclosure if possible. My XXXX failed and I 've had to relocate to find other work to make a living. I feel that a short sale is the best option for everyone at this time and will appreciate anything you can do to help me.
I opened a CD account w/ GS Bank/Goldman Sachs on XXXX XXXX. 2017 on the telephone ... since ... .today, 17 days later, I have not recieved any confirmation at all about this account. No e-mail, no hard copy, nothing! In addition, I have called GS bank 3x first asking when will the " trial transfer '' happen, they said ... '' we do n't tell you '' ... .I 'm asking " how am I suppose to know??? to confirm back to you? '' ( every other financial instituation sends e-mail trial transfer amounts to comfirm BACK to them! ... .then tonight I got " grilled '' /security abuse for asking why, when, where has my CD been funded! they asked more than 5 security questions ( I thought the LEGAL was 3 ) and they/customer service wo n't tell me their name, ID, reference, nothing! who are these people? are they " bonded '' ... this is OUT of CONTROLL! security abuse!, no info. on my ( JUMBO ) CD ... .this is a TERRIBLE ... BAD BANK ... .. BEWARE of GOLDMAN SACHS - GS Bank
I have a XXXX and a XXXX mortgage with Ocwen Loan Servicing. These mortgages are upside down. I have applied TWICE for a loan modification on interest-only loans with very high interest rates ( The second mortgage interest rate is 12.75 % ) I am unable to make the mortgage payments since I lost my job in XXXX 2015. I am now on a fixed income and attempting to get a loan modification through HAMP ( Tier 1 ) Meanwhile, Ocwen Loan Servicing has received millions of dollars from the U.S. Treasury to help lenders ( taxpayers ) with circumstances such as mine. Yet, Ocwen refuses to follow the HAMP guidelines and will not provide a reasonable explanation for not following the guidelines. There are several XXXX similar complaints with the XXXX against Ocwen, and Ocwen has settled a class-action lawsuit from the CFPB for their fraudulent lending practices yet they seem to continue with their fraudulent practices. 
I am desperately in need of a remedy from Ocwen 's predatory lending practices, and I know that I am not the only borrower who is having problems with this lender ( despite the class-action lawsuit ). Can you please help! Another class-action lawsuit should seriously be considered against this lender.
XXXX XXXX XXXX pulled my credit report on XX/XX/XXXX. 
I have had a freeze on my reports since XX/XX/XXXX. 
This company had no authority to pull my credit-I had no account with them, no business relationship, I did not apply for credit etc. 
They should have not been able to gain access to my report. 
This keeps happening despite the freeze being placed long ago and yet every time I call TU they refuse to do anything about it or to investigate.