WillisBack/dataset-financial-user-claim huggingface dataset:
This particular offense started on XX/XX/XXXX and now on XX/XX/XXXX. My acoount has always been on ALL alerts, somehow these alerts kept/keep getting 'reset ' by chase. In XX/XX/XXXX a telephone banker reset my alerts to have a blackout period which does not work for me. I was charged another, of many, late/overdraft/insufficient funds fee because of their system problems or situations. I have had my bank account with chase since XX/XX/XXXX/XX/XX/XXXX and have never had so many problems as of late. I am on social security and XXXX so I have to run my checking account the way I see fit and for years it has worked, until recently. Chase has a computer system that keeps changing peoples alerts and they start charging all the high late fees. I would like my fee refunded. Chase is not a good bank for people that are not wealthy, I am in the process of looking for a new financial institution. My settings were set to let me know if I was going into overdraft and allowed me to cover that overdraft with a quick deposit before XXXX eastern time. With their computer resets it is not sending me the alerts I have had set up or requested. That is a false and seems to be an illegal business practice to me.
I malied in list of disputes ffrom false and inaacurate information listed on my Experian Credit report. I did not recieve a response within 30 days of Experian recieving my disputes and still have not recieved any update. In addition the items listed on my Experian Credit report are inaccurate and negatively affecting my abilty to obtain credit.
I was asked to close on the house when there was still an outstanding issue with outside bricks. There were too many chipped brick installed. A stain was used to match the chipped bricks which made things more worse. I was told that they would take care of the issue after closing. It 's been over two months after closing and the issue has not been resolved. Now, they have told me they ca n't do anything about this.
I opened a secured credit card with  XXXX   XXXX , I deposited money in my account that was already open and they took it from there. I never received a notice as to where the funds would be deposited or if I was getting interest on the account. My account was closed by them and I never received a letter stating where the money i deposited was applied to. They originally reported that I owed {$410.00} and I disputed that and they brought it  down to {$110.00} only because I disputed it. Those action lowered my credit score. And I have yet to receive  any letters on what happened with the deposit.
Currently I have approximately 400 K on students under XXXX where I was under IBR payments which was also qualifying PSLF payments since XX/XX/XXXX. 

On XX/XX/XXXX - I received a letter from XXXX informing me that my annual IBR income renewal was coming to review by XX/XX/XXXX where I need to resubmit my annual income certification. I completed that before that date and received a second letter on XX/XX/XXXX informing me that my request to switch from IBR to REPAYE was being processed however they required that I change to standard repayment prior to the switching to REPAYE. This requires a full standard payment which is not affordable to due to my income to debt ratio and thus XXXX places my account into automatic forbearance while the transition to REPAYE occurs. During this time I received a 3rd letter on XX/XX/XXXX indicating that my loan successfully converted to REPAYE with a monthly repayment of XXXX ( this new payment under REPAYE qualifies for PSLF payments ). However when I log into XXXX to submit payments, there are completely different amounts of required payments which I spent 4 -6 hrs over 3 phone calls ( prolonged periods of hold, various transferring to different personal ) and no one was able to verify where these differing amounts and they where coming from and what was accurate vs inaccurate. Every single person that I spoke could not identify the various amounts that is populating as my payments. 

To put into context based on the paper invoice I received a bill of XXXX ( REPAYE calculation based on my income ) but the dashboard when I log in to XXXX was showing 2 different amounts totaling approximately 2,200. Again tried to clarify with various personnel over the phone at XXXX and no one could verify these amounts and how they populated to my account. 

I am concerned because I have been making payments on time and consecutively in order to reach my 120 payment goal for PSLF. By not clarifying this current error in a timely fashion XXXX is forcing me to go into a forbearance and require me to make my monthly payment which wouldn't qualify towards PSLF. This is not acceptable when : A. I submitted my income verification ahead of schedule to appropriately convert from IBR to REPAYE to not miss a payment B. when XXXX forces us into forbearance which interrupts qualifying payments into PSLF. We should be penalized for this when its the errors from XXXX 's side.
XX/XX/18- 3 phones calls between XXXX and XXXX. The first 2 calls I did not answer but on the 3rd I picked up thinking it might be something important. The female who would not provide her name, just that she was with Common Wealth Financial. After giving the company name she hung up. When I called the number back XXXX answered and said this was about a debt but first he must say legally this is an attempt to collect a debt. He DID NOT the mini-miranda This is an attempt to collect a debt. Any information obtained will be used for that purpose '' XXXX never provide the name of the creditor just that it was a medical bill, the amount owed and said he would just send a letter.
The disputed account is XXXX , XXXX. XXXX ACCT. NO.XXXX.A default judgment is appearing as a collection account on XXXX, TRANSUNION AND XXXX.It is appearing as a collection perhaps to avoid properly displaying as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERAL enacted in recent years.In addition, the DATE OF 1ST DELINQUENCY has been re-aged, another FCRA clear violation.The DOFD coincides with the date of judgment entered ( attached court record ) which is impossible considering the nature of the debt, ie : back rent.The delinquency of the debt was many months prior to the stated DOFD.All 3 bureaus, following numerous disputes permit a false, re-aged date of 1st delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERAL AGREEMENT creating a loophole for the ACCURACY AND COMPLETENESS of reporting demanded by the FCRA
My name is XXXX XXXX XXXX I have found some information on my credit that is not accurate. I have been looking for a new job yet when my credit report is ran it seems like someone else information is coming up on my credit report. My name XXXX XXXX. 
XXXX I work for XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX.The following address are not mine please delete/remove them : 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 XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX , AL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2007 XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX . I would like a full report as well. The following number do not belong to me please delete them from my report as well. 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Back in XX/XX/XXXX I suffered a horrifying XXXX XXXX in which it had left me with a XXXX XXXX XXXX and a few other injuries as well. The car I was driving was a XXXX XXXX XXXX XXXX which I had purchased on XX/XX/XXXX by taking out a loan for {$35000.00} from XXXX XXXX. The vehicle at fault ran a stop sign and drove straight onto my XXXX XXXX I was unable to go about my regular days due to the injuries I had endured, and because of my injuries I was unable to make payments on the vehicle. I paid off the loan in full on XX/XX/XXXX. When I first got the loan from XXXX XXXX I had financed the loan for 75 months and ended up paying the loan off in 10 months. My aunt was my co-sign on the loan and her, as well as me, both did not really understand how insurances or creditors work. We thought that my Gap insurance for the car would cover the full remainder of the loan and that we would n't have to worry about paying any more for it. During the time I was recovering and doing XXXX XXXX I missed a few payments and now its showing as a major delinquency on my credit which is preventing me from opening any new line of credit. I am requesting to dispute this delinquency reflecting on my credit for my lack of payment was not due to a deliberate act, but rather an unexpected accident. I am not a delinquent. I am a responsible XXXX XXXX XXXX in my XXXX XXXX who is in pursuit of becoming a XXXX. Please help me for I feel stuck in this mess. You may be my last hope in pardoning and removing this delinquency.
Received a call from XXXX at XXXX on XXXX/XXXX/2015. The man on the phone kept asking for personal information, but when I asked him any questions he would only state that it was a personal business matter and could not provide any information until I verified my identity. I hung up on him without getting his name unfortunately. Today ( XXXX/XXXX/2015 ) I got another call from the same number. This time I made sure to get the woman 's name : " XXXX ''. She kept asking me to verify my information, and I kept refusing to verify any information until she told me the name of her company. She said it was " IC Systems ''. I asked for the company 's mailing address and she refused to provide it ( like actually refused! ) unless I would verify my identity. I could n't believe it and incredulously asked if she was really refusing to give me their address so I could send a cease and desist letter. At that point she said she was terminating the call and hung up.
Nationstar Mortgage wrongfully foreclosed on a mortgage on XX/XX/XXXX in violation of the rules for protecting successors in interest. The XXXX year old complainant was on the deed and mortgage with his now deceased wife. Only the deceased wife, however, executed the note and only she was considered to be the borrower. Both the husband and wife were on the deed as " tenants by the entirety. '' They bought the home XX/XX/XXXX. 
The foreclosure sale was conducted in violation of 12 CFR 1024.38 ( b ) ( vi ) which requires identification and communication with successors in interest. Nationstar refused to communicate with the complainant after the death of his wife. He would regularly place calls to Nationstar after getting the monthly bill, but Nationstar would always hang up on him, telling him that they did not know who he was, despite his detailing the death of his wife and that he owned the house with her. One one occasion, a Nationstar representative threatened to call the police and obtain a restraining order against him if he continued to call. 
Eventually, Nationstar gave notice of foreclosure and then the XXXX contacted an attorney who sent Nationstar a Notice of Error in XX/XX/XXXX. Only then did Nationstar send the complainant a Loss Mitigation application. He timely submitted the application. Nationstar, though, failed to notify the complainant of the status of his application. Again, during a telephone call with Nationstar, the servicer demanded to know if the complainant was named as the executor or administrator of his wife 's estate. When he answered " no '' and tried to explain that no estate administration was necessary under Massachusetts law because of the tenancy of the entirety, the Nationstar rep said that they could not speak with him and hung up. The complainant 's attorney sent two more Notices of Error to try to obtain loss mitigation for the complainant, but Nationstar went ahead with the foreclosure sale despite being informed that it had violated the RESPA regulations.
I was late on my Kohls Charge card payment. I received automated phone calls regarding the debt. I called Kohls credit department to inform them that I would make a {$240.00} payment on XX/XX/XXXX. When I attempted to make a payment online, my account was not accessible. I called on XX/XX/XXXX to make a payment and I was informed by the Kohls credit department that my account was sent to a third party collection agency. The Kohls credit department asked me to call XXXX. 
Kohls credit department said they were told I filed for bankruptcy. 

I am worried my credit report will reflect a lie. I have not filed for bankruptcy. 


Please help me fix the error. I would like to pay my bill/debt.
A 60 day late was reported for one of my accounts while my account was in forbearance last year ( XX/XX/XXXX ). A late should not have been reported as no payment was due, and when payments resumed, all payments were made on time. I spoke with a XXXX XXXX representative and they went through my account to confirm this with me. 
The 60 day late reported XX/XX/XXXX. I made a forbearance request payment on XX/XX/XXXX and XX/XX/XXXX. ( I requested forbearance for two accounts, two times in a row at $ XXXX/each ). I believe this issue may have been a result of my account having previously been in forbearance with another forbearance requested immediately after. The dates are as follows : Forbearance requested XX/XX/XXXX for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Forbearance requested XX/XX/XXXX for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Payments for the account resumed XX/XX/XXXX. 
I am requesting that you please look into this and remove the late with all three credit bureaus.
Dear Sir/Madam I transferred XXXX to Coinbase a cryptocurrency platform. On XXXX-2017 from my XXXX bank account XXXX. The transfer payment ID is XXXX. I have transferred the payment using SEPA. 

I emailed coinbase several times but their reply is very generic saying that we have escalated your case and afterward no response. According to the company, my transferred payment should show in my coinbase account in 10 business days but almost a month has been passed now. 

I am in dire need of my funds. Currently, I am a student in the XXXX at the moment and is suffering from XXXX conditions. I need to pay my hospital bills as I am an XXXX XXXX I dont have access to free healthcare. 

I have written to coinbase several times but no avail. I want to cancel my transfer order and want my money back in my bank account to pay the bills. I have also written to coinbase CEO XXXX. My case was escalated two weeks ago and still no follow up.
Greetings All, I have/had a mortgage with HSBC - it withdraws the mortgage from my bank account every month and has since 2004. Today I received a collection notice from XXXX - which states that I owe approximately 2 months of mortgage payments. I looked at my bank statement and the last two months have not been taken out of my account by HSBC ( since XX/XX/XXXX ). The extra money is just sitting there. 
I never received a notice about a transfer of ownership from either bank. I do not live at the residence, but had been receiving the statements and had received a letter stating they noticed my new address when I moved at the beginning of XXXX. They also used to email me monthly. 

I thought that both parties needed to contact me ( or at least one ) - and XXXX obviously has my address since they sent a collection notice. As they are closed now, I will reach out when they open at XXXX EST, but I am definitely not happy if they switch this without telling me and am worried my credit would be affected. 

thanks,
DITECH FAILED TO PRODUCE A H.A.R.P. REFINANCE LOAN, THIS WAAS A DIRECT RESULT OF THEM NOT BEING ABLE TO PULL XXXX CREDIT REPORTS AND SCORES. SEE XXXX REPORTS FOR BOTH AS MARRIED COUPLES.
I had an account with XXXX. I noticed on my credit card recently that they had charged me again. I had n't received any notice from them that my card would be charged, that they were renewing ... 
I went to XXXX and cancelled my account. Then asked for a refund. 
They let me know that they do offer refunds. 
So, they do n't notify folks that their account will renew ... let their customers know they will be charging them. They email about just about everything, but not about charges on the account, not before, not after! 
I submitted a dispute with my credit card company, which was summarily denied. I submitted a followup ... no change.
Im a victim of identity theft. Someone applied for and opened a auto loan account with Universal Acceptance/XXXX XXXX  on XX/XX/2013. I never applied for an auto loan account with Universal Acceptance/XXXX XXXX. The account is fraudulent, unauthorized and not mine.
I sold XXXX totaling XXXX on coinbase on XXXX/XXXX/XXXX at XXXX AM ( reference code XXXX. XXXX was supposed to deposit XXXX into my bank account however I have received no money. 

I submitted a ticket, the only way to contact them, and have been ignored. I would like my money.
I have several accounts with Citibank for many years. I have single accounts and accounts that was joint with my ex-husband. About a week ago I logged in my online banking and noticed that my ex-husband name is coming up on my online banking login. Then I receive email stating about changes made to my account. I seen a person first in the branch and they show me that everything was somehow crossed with my ex-husband. All my personal accounts now had his name and social security number and my date of birth. My debit card once they enter in the computer it comes up with my ex-husband name instead of mines and my name is listed on the card. I called in 2 times to have the problem resolved. the first person I spoke to was XXXX and he involved his supervisor who told him she was going to fix it and all she has to do is just issue me a new debit card. I told him I that not to be true because I am no longer listed on my own account he is listed as the signer. I then called back and ask to speak to a supervisor which the lady immediately put me on with XXXX the supervisor ( I just want to say just how nasty this lady was she didn't even try to help me ). I explained the situation and all she kept saying was go into a branch I can't do anything for you. I asked was she even going to try and assist me that when she asked me for my debit card number, but she still kept telling me to go to the branch. I asked to speak to her manager she told there is no one above and her manager is maybe in a meeting. I hung up. My privacy is more than violated because now my ex-husband has access to all my information and they made changes to my account without my authorization. All now my issue wasn't resolved I need help all my direct deposit goes into this account.
XXXX XXXX, 2016 : Pinnacle Credit Services is trying to collect for a debt I do not owe and they are reporting to the credit bureaus ( XXXX ). I called Pinnacle on XXXX XXXX 2016 and told them this debt is not mine and asked them to provide proof of documentation from the original creditor. They forwarded my call to XXXX XXXX XXXX XXXX. I again explained to them I am not responsible for the debt and would not did not agree to assume the liability. They told me they would send proof of debt and documentation to me in 2 week to 18 weeks because they are backlogged. 

XXXX XXXX 2016 : After a month of waiting for Pinnacle I decided to contacted XXXX and filed a complaint on XXXX XXXX, 2016 against Pinnacle. XXXX forwarded my complaint to Pinnacle who then replied on XX/XX/2016 to say the debt is valid but did they did not provide any proof or documentation. A representative from XXXX said I will have to contact Pinnacle/XXXX XXXX XXXX XXXX directly to request the documentation. I told XXXX this would be the second request from Pinnacle and that is why I am seeking the assistance of the FTC. 

XXXX XXXX, 2016 I need the assistance of the FTC to please help pressure Pinnacle Credit Services / XXXX XXXX XXXX. to either provide proof of documentation from the original creditor or cease their collection efforts and quit reporting negative credit reports to the credit reporting bureaus ( XXXX ). 

Thank you.
We have been trying to get a loan modification from well fargo for more than a year. they had raised our payment do to our escrow going up and in return it was to much for us to make, we got behide in some payments and then ask to do a loan modification with them ( wells fargo ) to lower our payments. they ask for a lot of paper work which I sent to them over and over, then they said they did n't get the paper work they ask for so they turned us down, we ask to do the modification again and sent everything they wanted and they turn us down saying we did n't send everything again and they were going to forclose on us. at this time we went to our lawyer for help and we hired national support group to help us with the modification. all we wanted was a payment and they ( well fargo ) would n't give us one. national support group said they would be able to get us a loan modification so we sent all the paper work to wells fargo again the same paper work they requested just updated and they turned us down again saying we did n't make enough money so they were going to forclose on us.XXXX talked with wells fargo and found out they were not using all of our income just part of it sowe resmittted all the paper work again for the loan modification, this is the XXXX time. they came back at the first of XXXX and said we XXXX the last two years so they were turning us down for the modification again. we had also sent to them that my husband come XXXX gets {$XXXX} more on his pension and also starts to receive XXXX of {$XXXX} per month as well as the money he makes from his job and I work full time also and they ( wells fargo ) said my husband social security could n't count until he has received it for 2 months even though we have all the paper work from XXXX. wells fargo said we would have to show a profit from the farm which we do have this year we have worked really hard to turn things around and they will not even give us a chance to try to make the a payment. we have worked our whole lives and never lived off the system and just want to make our payment on our home. I fell we have been mistreated through this process we have done and sent everything they have asked for and each time they say something different why they wo n't give us a loan modification. they have had our taxes from the word go and over a year later they use as a reason for not giving us a payment and now our lawyer said he got a paper from the wells fargo lawyer where they are going to forclose on us again. I do n't know what it is going to take to say my home but at this point I will do anything. i just think wells fargo has done us wrong when all we wanted to do is have a payment we could afford, the national support group said we make more than enough and there should n't be any reason we were n't given a modification. the lawyer for wells fargo had also told our lawyer in XXXX that the forclose was suspened and now they want to forclose again, there truly is a great problem with the way wells fargo has handle this modification process with us for over a year
The borrower submitted a modification application through counsel on XXXX XXXX, 2015. More than five days have passed and the borrower has not yet received the notice required by XXXX XXXX Section XXXX XXXX b ) ( XXXX ) ( i ) ( B ) stating whether his loss mitigation application is complete or incomplete, and if incomplete, the additional documents and information he must submit to make the loss mitigation application complete.