WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a XXXX Enlightening mattress set. Six months after the purchase date the left side of the mattress started sinking at  least XXXX inches EVERY NIGHT! My wife has to reach "up a hill" every night to hug me. She has XXXX problems because the middle sinks lower than the top and foot of the bed on that side - EVERY NIGHT!!!
XXXX sent out a "bed checker." He pressed the bed in for a few seconds - took his handy ruler and proceeded to submit a report. We received a letter stating "the mattress is contouring to the shape of your body." Really - so sinking into "the panels" is to be expected? 
It is absolutely ridiculous to think that a legitimate complaint about a XXXX product could be taken so lightly. The fact that this product is impacting my wife's health  - who is a XXXX is truly worrisome. The bed was supposed to aid in increasing our well being and not in diminishing it. Every morning my wife has to pull herself out of the bed as if she is struggling from an abyss. XXXX This bed is a MENACE!!! We have more aches and pains with this new bed than we did with our 10 year old mattress. This is the worst product we have ever purchased!!! EVER!!!
In the past two years XXXX XXXX XXXX is being reporting inaccurate information to the three major bureau on my behalf. l have sent them 4 different letters requesting to verify the that this information is mine, and, that it is accurate. in violation of a federal law all four occasions they have failed to provide me with a copy of the original contract with my signature on it. All l get is a response back in the mail, stating that they do not understand the reason of my despute. The case is for the three major Credit bureau, Trans union, XXXX  and XXXX, none of them can seem to follow the law and at least provide with a copy of the original contract with my signature on it,
Cancellation of Debt Form XXXX for {$30000.00} was sent to IRS for XXXX. The property involved was discharged in XXXX. I have enclosed copies of my Chapter XXXX Bankruptcy.
During the month of XX/XX/2018 I was refinanced a car From XXXX XXXX due to the inflation I returned the car in approximate 19 days.Not owing anything what they speak of is a down payment I never received plates for the car I lost my job because it went out of business XXXX delivery service unable to pay car at time but I got a new job an they didn't give me time enough to pay it so I was unable to make it to work so the problem is they still reporting to all 3 Bureau negative payments causing my score to drop an also wouldn't return my money..
After looking at my  credit score  on   XXXX   XXXX   I noticed two different charges from a credit collector who I sm familiar with that takes care of medical debts in the arera I reside. These two different reports was a red flag to me due to a couple different factors. The first thing that has caught my eye was the years in which the debt collector is saying I owe money. I did not utilize the ER/Hospital/Physician that this debt collector normally tries to collect debts. The only type pf  medical services I received in both of the years in quedtion is through my family physician who does not utilize any of the hospital/ER in the aera, futh ermore I have not been in a ER as the debt is accusing. The second thing after the reported years not being any year I had been treated in any of the hospitals the days of the accused aquired debts are almost exactly to the date of the other  by one day. What really concerns me about these reported debts is on or around the time the debt collector is saying that the debts occured I was sepersting from my significant other of ten years and he had a family member who was working for the debt collector at the  time these debts would have been acquired. This family member of my significant other were not on a positive point with each other, due to the seperation.
My name is XXXX XXXX XXXX and my husband ( XXXX XXXX XXXX ) and I had our accounts levied on XX/XX/XXXX and would to verify that the debt is legitimate. The company that issued the Levy is called XXXX XXXX XXXX We have not received any correspondence from this company by mail or phone that we are aware of. I was told when I called that the levy was based on a judgement that was issued XX/XX/XXXX based on aChase bank credit card account issued in my name.
My problems with my home began several years ago when my household income was reduced to just my salary. My Husband was diagnosed with XXXX and went on XXXX which caused me to fall behind several years ago. I was still gainfully employed and was awarded a modification in 2011 that helped me save my home then. I was grateful but my hardships persisted as my husbands health declined I found myself unemployed due to having to take so much time off of work. This unemployment persisted for the next several years, during this time I sought the help or KYHCA and loss mitigation from my new servicer Nationstar. I found another great job and my husband went into remission. This is also the time that his XXXX started to kick in so we were financially stable enough to now make a mortgage payment. This is when my problems started, I was now service released to Nationstar Mortgage and they just out right refused to work with me on retention options. I had no choice but to file a suit against them that eventually led to a settlement and the agreement that I would apply for another modification and if that was denied I would be able to short sale the property. I could not qualify for another modification because I previously had one-unfair decision but at this point I didnt have it in me to continue the fight.The current monthly payment was the lowest it could go was their reason for denial. With heavy hearts we made the decision to sell our home that now suffers from plenty of deferred maintenance. I accepted an offer that was sent to Nationstar to consider, as our mutual agreement was to allow me the opportunity to avoid foreclosure. This offer amount reflected the repairs needed for my home, but nationstar felt that it was insufficient. That buyer wanted to dispute the value but I advised my agent to just find another buyer that would pay more. We accepted a 2nd offer, I had no foreclosure sale notice filed and as soon as the offer was sent to Nationstar at the value they wanted from the last buyer, they out rightly refused to review the offer because I now had a scheduled sale date. It feels as though they set this sale date as a reason to cancel my file, out of spite-my new offer could of easily been reviewed and approved right away and much before the sale that was 29 days away. They already had the process started, had all their reports ready and in hand to make a decision from the first offer I submitted. Speaking with them is like asking to be mistreated-they are just un-kind and certainly not helpful with helping me avoid foreclosure or the fact that I am being railroaded. If I do not short sale I will have to wait at the very least 7 years before being able to possibly purchase again, it is a public record that will affect all of my future employment. Now I am just stuck and would like nothing more than to resolve this mortgage and not have a foreclosure on my record.
The account was opened in XXXX and shouldve been close in XX/XX/XXXX and has still not been removed off of my credit! I demand it be removed off my credit as soon as possible thank you
I have applied for the XXXX Loan Forgiveness program with Fedloan Servicing since I completed my 5th year of XXXX in a XXXX XXXX. I submitted an application on XXXX XXXX after submitting applications previously because I had to make constant corrections after being denied due to mistakes in the application because of failed communication by the company on how to fill out the application, which is very unclear. I received a letter today regarding the denial of my application which stated that Section 3 was not filled out properly. I have been trying to apply for this loan for quite some time this summer, and I keep getting different information as to what needs to be filled out and what does n't need to be filled out by each costumer service rep that I have spoken to. I went over the application with the last rep who told me how to fill out my portions of the application and how each school needed to fill out theirs. My districts have filled out their sections correctly, but yet my application got denied because they " did n't '' fill it out correctly. In addition, I got another e-mail stating my loans have been put in administrative forbearance. If it were n't for me checking the status online, the company never communicated this to me nor is being clear on how to fix it. I need this to get resolved immediately, and I need to be assigned one person who understands this process. I will not continue to talk to multiple reps who keep changing the rules of this application. I want one person from beginning to end who will make sure that this gets handled properly because this process has been absolutely ridiculous to deal with. I have my application and evidence that I have serviced in XXXX. The XXXX are also listed online. The individuals who filled each application out for me are the same people who have continually filled out this application for other people and never seem to have a problem with it. My XXXX and I do not understand why the application is continuing to get denied when I 'm qualified for the forgiveness loan and everything is correct.
Good Afternoon This is a complaint about Transunion I would Like to continue my dispute with Transunion about reporting false information and ILLEAGAL INFO about me If you look at the documents that i attached to this complaint this is from Transunion orginal credit report on XX/XX/XXXX they are reporting a 30 day late I have sent Transunion proof that I paid XX/XX/XXXX on time. Ok XX/XX/XXXX they report a Ok ( paid as agreed ) NOW WHEN YOU LOOK AT XX/XX/XXXX They reported a 60 day late. How in the XXXX is that possible?? Transunion this is against the LAW FOR YOU TO REPORT NEGATIVE IN FRAUDULENT INFORMATION ABOUT A CONSUMER I ASK YOU TO REMOVE ALL LATE PAYMENTS THAT YOU ARE REPORTING ON THIS ACCOUNT AS NONE OF THIS INFORMATION IS TRUE. IF YOU ARE UNABLE TO DO SO I ASKED YOU TO PLEASE CONTACT XXXX AND HAVE THEM SEND ME PAYMENTS FROM XX/XX/XXXX UP UNTIL XX/XX/XXXX BECAUSE I KNOW I WAS NEVER LATE WITH THESE PEOPLE I WILL NOT CONTACT XXXX BECAUSE THEY FAILED TO RESPOND TO MY REQUEST SINCE YOU ARE reporting This false info about you I want you to remove this information as you are running my Good name
XXXX XXXX received phone call from XXXX, XXXX, XXXX, what ever from Portfolio Recovery XXXX opened XXXX to collect debt not owed through XXXX Bank for XXXX. 

We asked if they had a validation number and she did n't and we told them to stop calling and that we would report them to FTC, US Government and other XXXX agencies. 

This is an additional note to all the other complaints filed with CFPB.
Upon vacating a previous apartment complex the landlord had claimed damages to their carpet which we immediately disputed. The apartment complex did not provide an itemized list of damages as requested by tenant and within the 30 days as required per the lease and Massachusetts state law. 

National Credit Systems, who had then become the debt collector contacted us in regards to the disputed debt. We immediately told them the debt was in dispute. They claimed they would verify the debt and get back to us. Shortly after National Credit Systems stated the debt was valid and provided proof of the damaged carpet with a photo copy of a pay stub of the former tenant. 

A pay stub to prove that the tenant was in debt in regards to damaged carpet? 

This sequence of events is in violation of 15 U.S.C.1601 Fair Debt Collections Practice Act. This by far does not come close to validation of debt even after requesting validation by the accused debt holder.
Mortgage Loan canceled due to error on BBT Mortgage end. They then lied saying they requested documentation thru the online portal when they never did. I originally opened a complaint with the CFPB in regards to my loan experience with BBT. I am unable to add information to this but the information that they provided was false. They did not send a letter or upload a letter to my online portal requesting updated income documents. I have emails documents provided to me from my loan officer XXXX that showed the rate lock being extended to XX/XX/XXXX. I agreed to continue to pay the rate lock until closing. The loan officer was even unaware of there being a request for updated documents. She emailed me asking me if they had contacted me and I told her no. The letter that was allegedly uploaded to my online profile by XXXX. This document may have been created but was not sent to me. I hope BBT has records on the back-end as I am currently trying to seek legal council to file suit against BBT. They charged me for a credit report fee and appraisal and then cancel my loan. I got my title cleared on XX/XX/XXXX. The issue is they dragged there feet initially when I applied for the loan. I applied for a refinance XX/XX/XXXX and entered into a 60 day rate lock. I got an appraisal done on XX/XX/XXXX and the Title company did not even notify me that there was an issue with the title until XX/XX/XXXX. I did dispute the original value of the appraisal on XX/XX/XXXX and sent the rebuttal. I reached out to the appraiser and he did not receive the rebuttal until XX/XX/XXXX and when he requested additional information they never responded to his request. I have all of this documentation and emails. XXXX advised me that this dispute was reviewed by the loan officer and Loan officer manager for errors. I did not know that loan officers were appraisers. I thought appraisers were regulated by DPOR. This process has been a nightmare. Their error will cost me over 10k in additional finance charged because they canceled my app with a rate lock of 2.875 fixed for 15 years. Then they provide false information to a government agency ( CFPB ). They did not request updated documentation from me or it would have been updated. Looks like there was a communication issue between the loan processor XXXX and the Loan officer XXXX as XXXX was not even made aware that my loan was canceled.
I have made payments to my Bank of America Visa card online monthly on the following dates : XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$4000.00} XX/XX/XXXX - {$1000.00} Bank of America charged me a late fee of {$27.00} on XX/XX/XXXX and told me it was because I did n't make my payment during their designated " payment period '', even though I have made a payment each month for substantially more than the minimum due. I was told that there is a disclosure on my paper statement regarding this - however my activity history would indicate that I access my account online and only make payments online. This is confusing and unfair that I am penalized because I make my payment outside of their determined narrow window of payment date. I am XXXX years old and feel Bank of America is taking advantage of me. I contacted Bank of America 's customer service and was told that it is their policy to access this charge regardless of whether I have made a payment during the month. Bank of America is benefiting from this confusion by not only charging interest on the balance but also accruing late payment penalty charges - in spite of having received a payment that satisfies the minimum due during the month.
I took out a loan with CastlePayday a couple of weeks ago. They took money out for the XXXX payment on XXXX XXXX. When dealing with a different loan issue, I realized that I did n't have a copy of my contract for this loan. I called them today, asking for a copy of the contract. They sent me a schedule of payments but no contract. I called back to request the terms of the loan. The person I talked to that time, said that it was not a payday loan, but that it was an installment loan. I told him that I was aware that it was an installment loan, but that I still wanted a copy of my loan paperwork, since none was ever made available to me, and it was n't sent when I had just asked before. Again they sent a copy of the payment schedule, again, not what I was asking for. I looked back in my emails from them to see if I missed something and all I found was information I should know about my loan which included a notice that failure to make timely payments would enact applicable tribal law, and they would send over the loan to a XXXX party in the event of default. That 's it.
The prior owner sold her property @ XXXX XXXX XXXX on XXXX/XXXX/XXXX ( Legal : XXXX ) ; she had refi 'd 2 of her properties ( this XXXX & XXXX XXXX XXXX ) at the same time with BOA in XXXX XXXX ; both new dot 's had the same legal attached ( from the XXXX XXXX XXXX ) ( XXXX-recorded XXXX/XXXX/XXXX @ Rec # XXXX & XXXX-recorded XXXX/XXXX/XXXX @ Rec # XXXX ) ; Title Company & prior owner have made numerous phone calls to BOA starting the beginning of XXXX XXXX to have them do a Partial Release on Lot XXXX, but instead they did a Corrected DOT-correcting the legal description to XXXX ( recorded XXXX/XXXX/XXXX @ Rec # XXXX )
I am just a cosigner on the loan. The amount changes every time they ( Navient ) call. They are telling me that I am so behind in payment when I just recently paid last month in XXXX and XXXX. Navient is saying that I owe double the amount. Navient is saying that I am two months behind, but I am not since I paid the amount that was due in XXXX and XXXX. The man I talked to had just threaten to apply against my credit. I am very displease with Navient. They are mistreating loan borrowers. I am unsure of what I owe them. The amount changes every time they call.
To whom it May concern, My delay in payment started after hurricane Harvey where I was out of work for a week and then when work started back we were not at full production at the plant where I was working at which I was under payed for 2 weeks. At that time I spoke to XXXX XXXX about Hurricane Harvey Relief in XX/XX/2018 in which I started my forbearance The Bank of America ( BOA ) rep called me each month where she stated that the calls were recorded and informed that my loan was a VA loan and the payments would go on the back end of the loan. Then in XXXX it was extended for another 90 days in which I would start my first payment XX/XX/2018 which I was paying until XXXX XXXX payment for XX/XX/2018 was denied because my account was in foreclosure status. At this last conversation in XX/XX/2018 XXXX XXXX stated that the terms changed and I will have to pay for the past 6 months in full. I was then confused because that was not we talked about .The forbearance payment should have gone on the back end of the loan when the loan matures at the final payment. During the forbearance the letters that I got in the mail XXXX told me to disregard because my payments would go to the back of the loan.When I tried to make last payment in XX/XX/2018 I was told that I could not make my payment and my account is in foreclosure.I XXXX and XXXX XXXX never got a certified letter from Bank of America.I just received the documents that I requested back in XX/XX/2018 after I talked to XXXX XXXX in XX/XX/2018. If these calls were recorded please listen to each and assist in this important matter.
I have an account with Credit Check total. I logged in a few days back and discovered within two weeks a number of unauthorized inquiries processed with about two weeks spend of each other. I am not activity seeking credit a this time SO I require a removal of all unauthorized inquires as this is not right!
At the time of my identity death gain access and believe all my personal information including my Social Security number to open up accounts without My permission and authorization I hope this report it would help. Put a stop to this issue from ever occurring
I have contacted paypal numerous times to try and remove this fraudulent inquiry on my XXXX report,
I filed a complaint against Pinnacle Credit Services complaint # XXXX about 2 weeks ago, and this complaint has yet to be satisfied or resolved. This company is having difficulty providing accurate information on this debt., and have not been able to locate the debt by my NAME. Waiting more than the time which was allowed, is unacceptable.
We took out a HELOC XXXX years ago. We thought it was going to be paid off in 2016 and when we ask them how much was left we found it that it was going to balloon for the full amount {$93000.00}. We do not have that amount, so we ask them ( Green Tree Servicing LLC ) if they could help and their answer was, We service your loan on behalf of an investor or group of investors at ( XXXX XXXX XXXX XXXX XXXX owner of mortgage account ) that has not given us the contractual authority to modify your loan under HAMP. 
We have never missed any payments for the XXXX loan or XXXX loan. They will only work toward us loosing our home. ( 1 ) short Sale ( 2 ) Deed-in-Lieu of Foreclosure ( 3 ) ForbearanceWe contacted XXXX different Lawyers and they all said to walk away because the banks would n't work with us. ( We love our home and we are in our XXXX )
I am writing this complaint due to Experian not responding properly with my request to have credit inquiries removed and certain accounts on my report that I do not have a contract with nor can they provide proper documentation that they accounts belong to me. I did not authorize these inquiries and they are still showing up  on my report as well as the accounts and I have tried to dispute this over 3 times. I get the same response a few days later. Which further tells me that they have not verified these inquiries or account and keep sending me a generic response. I have recently submitted another dispute and if this complaint does not work I will be submitting a complaint to the BBB as  well as contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someones credit or adding accounts to their report is for a firm offer of credit, insurance, employment or court order, or if the account has been proven with contract to be mine.
credit collection services XXXX XXXX XXXX XXXX ma XXXX is collecting for XXXX. file # XXXX XXXX acct XXXX for {$460.00}. I wrote to XXXX and CCS about the amount which is wrong. I had secured other auto insurance. XXXX is trying to say this is owed for 20 days?! not true when my monthly payment was {$160.00} for 30 days! I am asking for you to step in and investigate.
Inquiries are showing more than once on my credit. Some of which I do not recognized. XXXX Inquiry from XX/XX/XXXX Exeter Fin Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX
On XXXX XXXX, XXXX amex took my payment 2x. I have yet to receive a refund. 
New amex card, XXXX XXXX. 
XXXX XXXX, XXXX - became aware that auto pay was not setup. Made 2 payments to catch up. Spoke with Amex rep to clarify that this was a miscommunication on our part, auto-pay setup to pay on XXXX XXXX, XXXX. 
Setup Auto-pay XXXX XXXX - found autopay did not process on XXXX/XXXX/XXXX. Was required to make current payment PLUS schedule payment for next due date. 
Confirmed Auto-pay, again XXXX XXXX Scheduled payment processed PLUS autopay paid the amount due AGAIN. 
Used Amex chat to process refund of duplicate payment. They took banking info, to process electronic payment. Was told it could take until XX/XX/XXXX to process - which itself is outrageous. 
XXXX XXXX Called Amex customer support. Now told it will be refunded by XXXX XXXX. Escalated call to Supervisor - which was less than satisfying. Called back and asked to bypass Supervisor to speak with Manager. Was told a supervisor was as high as I could go by phone. 
XXXX XXXX - still no refund