WillisBack/dataset-financial-user-claim huggingface dataset:
I am undoubtedly a victim of Transunion 's " victim issue '' and have made an attempt directly via phone to have this corrected but was met with a customer service representative who refused to identify herself for reporting purposes and essentially denied consideration of deleting such fraudulent inquiries : XXXX/XXXX Date Filed XX/XX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX/XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX  ) XXXX Address XXXX XXXX XXXX XXXX/XXXX   Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Oil companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX  ) XXXX Address C/O XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Oil companies Phone Number ( XXXX  ) XXXX Address XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX/XXXX XXXX   Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX  ) XXXX   Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX  ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX  ) XXXX   Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX.XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX  ) XXXX Address XXXX XXXX XXXX XXXX   XXXX.

Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX  ) XXXX Address XXXX XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX
They 'd call me XXXX times a day anytime from XXXX to XXXX, leaving threatening voicemails and just being plain rude. I 've asked them to stop calling but they kept calling even after speaking to a supervisor.
Obviously I've been a victim of fraud, therefore I have disputed un- authorized inquires to no prevail. The credit reporting agencies, XXXX, Experian, and XXXX all have took opposition approaches in contradiction to the rules of law stated in the FCRA. It clearly states that when a consumer finds inaccurate information on his / her report and disputes it, them companies are to provide physical documentation or else the so called account shall be removed. However, the above credit reporting agencies investigation only updated my report without physical verification whatsoever. Therefore and rightfully so, I'm requesting for the removal of the following un-authorized inquires to be removed. ( 1 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 2 ) XXXX/XXXX XXXX-XXXX ( XX/XX/XXXX ), ( 3 ) XXXX- XXXX ( XX/XX/XXXX ), ( 4 ) XXXX XXXX ( XX/XX/XXXX ), ( 5 ) XXXX XXXX ( XX/XX/XXXX ), ( 6 ) XXXX XXXX ( XX/XX/XXXX ), ( 7 ) XXXX XXXX ( XX/XX/XXXX ), ( 8 ) XXXX XXXX XXXX ( XX/XX/XXXX ), ( 9 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 10 ) XXXX XXXX XXXX   ( XX/XX/XXXX ), ( 11 ) XXXX XXXX ( XX/XX/XXXX ), ( 12 ) XXXX XXXX   ( XX/XX/XXXX ), ( 13 ) XXXX/XXXX XXXX ( XX/XX/XXXX ), ( 14 ) XXXX XXXX ( XX/XX/XXXX )
Hello, Thank you for taking time to review my complaint. Today I am requesting an investigation into PayPal Credit. Apparently, on XXXX XXXX, 2015, I was enrolled into PayPal Credit without my permission or acknowledgement. Therefore after, several purchases were made against this credit line, in which I assumed, should have been coming straight from bank account. All the purchases I made under this credit line were valid, and I have no problems paying what I owe, however, I should n't be penalized the late fees and interest because I never agreed to this service. I did manage to sort it out with PayPal, my credit line is canceled and one late fee was removed, however, now I will have this scare on my credit rating. 

Thank you, XXXX XXXX
Carrington Mortgage bought out my home loan. My mortgage payment is {$500.00} per month plus {$200.00} for escrow. When I called in to set up a payment to pay my mortgage on XXXX XXXX, 2016 a Carrington representative stated to me that every 30 days that if the mortgage is not paid, that the send someone to ride by the property to make sure that the property is still occupied and that this fee is {$460.00}. This unnecessary fee is like I 'm making double the payment. This can not be legal. What ever happened to late fee after 30 days. I am requesting that this matter be investigated because this company is ripping consumers off!!!! My loan number is XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. You may contact me at XXXX. My name is XXXX XXXX and my husband 's name is XXXX XXXX. You may contact me at any time. Thanks! 

Sincerely, XXXX XXXX
I received a call from Chase Amazon Visa asking me to call them back today ( they left a message on my vm ). After 6 ( SIX ) calls and at least 45 minutes on hold, I am no closer to understanding what the problem is except it involves some sort of charge dispute. The last person I spoke with identified homself as XXXX XXXX from XXXX OH, and he placed me on hold for 14 minutes straight. I would like Chase to reapond to calls without placing customers on hold, and find out why they called me in the first place.
I applied for a personal loan with SoFi Lending and was approved. Their disclosure process is not clear or upfront which leads me to believe it is not legal. After I signed loan documents it was disclosed to me that the loan would not be funded for up to 30 days and have been told I wo n't be given an exact date for funding. It should be disclosed upront that funding does not occur for 30 days. This should occur in the disclosures before applying. This leads consumers to making decisions on applying for a loan that are flawed and present Dishonest Services to the consumer.The loan is a fixed rate loan and the loan documents indicate a payment based on a specific interest on a 30 day cycle with the first payment XXXX/XXXX/2016 this leads me to believe I will be paying interest on funds that have not been disbursed to me. How can a consumer be provided with loan contract with scheduled payments with a commencement date with automatic withdrawals and no date for disbursement until after you agree to the terms?
hi my ss # was used without my consent i have contacted the IRS and other creditors to help me resolved this problem and they have been more than helpful.
The credit bureau Equifax refuses to remove an item/account in dispute that I have provided documentation for from the collection agency that states they will request to have this item/account deleted. I 've spoken to several agents all with different answers and no solution. One agent ( XXXX ) claims the document was n't legible, so I 'm submitting the document in this complaint to ensure legibility.
I made a deposit to my family account #  XXXX  at the ATM on    XXXX  17.  The ATM misread the check that was for {$4200.00} as only {$200.00}. I asked the bank teller at the branch whether that evening the ACH would correct the error and was told it would clear out at   XXXX   on  XXXX 17. The bank made the deposit correction but then put the {$4200.00} on hold. They removed the money from my wife 's professional corporate account on  XXXX / XXXX / 17 . I am at a loss as to what BAML is doing by putting a hold on a deposit where they removed money from  XXXX  BAML account and then hold it from our personal account. Finally it was resolved but the CFPB should know about these types of electronic systems that create problems for the customers.
I filed section 128.21 in the state of Wisconsin. XXXX XXXX  was notified in XX/XX/2018 was court ordered to reaffirm my debt. They received payments according to my court order agreement. And still charge off my account. The sent my account to a collection agency. And broke the law. I called XXXX XXXX and spoke with the collection department. I was told they Did not have to abide the agreement. Because there in a different state. I was given the card living in Wisconsin so yes they do have to. I need this account to be update to closed and current or removed from my credit period.
I filed on this company and practices before CFPB # XXXX and if you research that number you will see that they also report that my second tax payment was {$2600.00} with is all that XXXX county property tax people reporting they paid. But Loancare is reporting they paid {$2900.00}. Around XX/XX/XXXX I received my property tax bill with an amount due of {$2900.00}. I went online to pay my mortgage and noticed that Loancare was only setup to pay {$2600.00}. Which means that my taxes would have been {$230.00} short. So, on XX/XX/XXXX I paid the {$230.00} so that my taxes would not have a shortage. I then emailed Loancare a copy of my receipt showing the payment of {$230.00}. I received a number for Loancare XXXX show that they received my email. I checked back with XXXX county property tax website and Loancare website periodically just to see if my taxes have been paid yet. I noticed that on XX/XX/XXXX Loancare was reporting it had paid my property taxes in the amount of {$2900.00} which because I paid 2 days earlier what would have been a shortage was no longer the amount due. So, I called XXXX county to see if they had been overpaid because their website was not reporting that Loancare had paid anything.The customer service rep. did not see a payment at all on that day. So, I called Loancare on XX/XX/XXXX and talked with XXXX # XXXX about what now looks like an overpayment and that XXXX county says it have not received that payment that there saying they paid. He assured me that they had sent the payment and that maybe it just had n't posted yet. But, he would send a request for the overpayment amount of {$230.00} and to give them until XX/XX/XXXX to have some answers for me. I called Loancare back on XX/XX/XXXX and talked with XXXX # XXXX. She told me that they were still working on the request and to give them a little more time. So, I gave they more time but, continued to monitor my accounts. I noticed on XX/XX/XXXX on the XXXX county website that a payment was made in the amount of {$2600.00} on XX/XX/XXXX. Which now mean that the date XX/XX/XXXX and the amount {$2900.00} that Loancare is reporting is incorrect and now there is {$230.00} missing for my account. Which is now theft. So, I again called Loancare on XX/XX/XXXX and talked with a supervisor named XXXX XXXX who 's direct line number is XXXX. She told me she would look into my issue and get back with me tomorrow. She never called back or would not even answer or return my calls. I called customer service back on XX/XX/XXXX and talked with XXXX # XXXX and she told me that she did n't see a request for a refund but she would file one for me. I then asked for her supervisor and she gave me XXXX # XXXX direct line number XXXX. She put me on hold and called XXXX county property tax company which they confirmed everything I said to her. She then told me that she would do an investigation and request the front and back of the check they sent out and to give he a couple of dates. I have not heard for her as of XX/XX/XXXX and my account is still reflecting the missing {$230.00} out of my escrow account
hello i need know loan student we not affrobale pay back ssa lose and job suspended my healthy issues XXXX  XXXX i was temp leave til struggle calm down please wavier loan and left wavier please
In XX/XX/XXXX I received a letter saying I was denied an Amazon.com Visa Signature card from Chase that I never applied for. This affected my credit rating so I contacted the CFPB, ( previous complaint #  XXXX ), to handle this with Chase. It seemed the issue was resolved but now I received ANOTHER rejection letter dated XX/XX/XXXX ( Chase reference # XXXX ) for the exact same thing. At this point, my credit score has been affected again and I now consider this to be either Identity fraud or at the very least harassment.
TransUnion, care of said XXXX XXXX at XXXX, now claims that the letter addressed from XXXX to me is " unacceptable '' to substantiate deletion of the purported delinquent record on my credit report claiming that I still owe XXXX XXXX {$780.00}. Evidently, the FCBA is a bunch of hogwash, and Federal legislation is a joke, because the credit bureau does n't think it 's binding. They clearly believe that they can 1 ) completely ignore the billing dispute of a consumer 2 ) promise XXXX service at XXXX rate and overcharge them for services at will 3 ) fail to even acknowledge the consumer 's billing dispute 4 ) and then report delinquency to their credit report
Chase is charging me overdraft fees for debit card items when I opted out of overdraft coverage. My card should be declining for these purchases ( XXXX XXXX, XXXX, and XXXX ( XXXX ). I have been charged overdraft fees because Chase allowed these to go through when I did not have funds available. Other banks such as XXXX, deny these transactions by card as they should when card transactions attempt to come through when funds are not available. This is very unfair of Chase to allow these to post instead of doing a normal card decline with no fee. I could see if these were ACH transactions, but not card transactions.
Some months ago I took my mom to a B of A to cash in some Series XXXX. The time before this, we were told we were allowed to cash in XXXX bonds at a time. We went to the B of A today at XXXX XXXX XXXX XXXXXXXX, Az XXXX with XXXX bonds to cash and the Manager told us he would only cash in XXXX for us. Your policy states : Can I redeem a Federal Savings Bond at a Bank of America financial center? 
Yes. The savings bond must be older than 12 months and the person redeeming the savings bond must be the owner or the co-owner. Please note that if you do n't have a checking or savings account, or have had XXXX for less than months, you 're limited to redeeming a maximum of {$1000.00} per day. 
The managers name was XXXX XXXX and he was very rude and as we told him that we were told his branch and another that we were allowed to cash up to XXXX bonds per day, he was saying that he NEVER said that. He would n't even listen. Then they said they only had XXXX cashier and they did n't have the time. I 'm sorry, but we are the customers and we should be able to go into the bank and do the business that we want to do. Tell them to have more then XXXX cashier. By the time it took for him to decide they would n't help us, he could 've helped us. Later, he was just standing outside the bank jabbering with the security guard. GREAT MANAGER! We have a lot of money in your bank and have had problems before with this branch. It is the closest to our home and have had our accounts with this branch for years. We are now rethinking banks. What a shame that you would allow a Manager to treat their customers in this way.
I've received an alert on my credit report yesterday that there is a collection account that is unpaid. I IMMEDIATELY contacted the collection companyWAYPOINT RESOURCE GROUP. They advised me of {$260.00} debt that is unpaid from XXXX XXXX. I advised them I've never received any notification from them advising me of the debt. I've never had any accounts with the creditor. Ive never reside at the address that they provided me. I'm requesting for some help, If i was noticed in writing, I would of been able to challenge them and write them. This just appeared on my credit yesterday and this is unethical and wrong, I'm asking for this to be removed from my credit and please send me notification.There trying collect a debt that's not mine and never sent me anything in writing. Why is it allowed for anyone to just put something on your credit? The consumer has to now fight to get something removed that's not theirs.
My loan is charged off due to me filing a bankruptcy and it is delinquent. I was transferred to XXXX to make payments and I did fine for 37-38 months with no problems. XXXX was auto debiting my account directly for {$110.00} a month and I was placed into a reduced interest rate program. With no warning my account was taken from XXXX and given to another company at the same time I was n't aware my auto payment stopped. At this time I was immediately placed into a delinquent status and reporting to my credit report for non payment. I found out my loan transferred twice since XXXX and I was finally able to get it re-established today with the latest company handling the delinquent porfolio. When I contact Navient Customer Service they place me in a round robin of transfers and they wo n't provide me with the direct number to the company handling the loan. I 've spoken to XXXX, Navient Customer Service, XXXX, then with XXXX. Navient is saying they can only collect the full amount due and I have to speak with a servicer who handles the loan to do anything further because it 's charged off. I called the final company XXXX the first representative said they no longer serviced my account. I had to start the call pattern over again it was n't until I called Navient again and became irate that she stayed on line until she got me to the proper company. Due to all these servicing transfers payments have not been collected and I am also disappointed that my credit is impacted even more due to their internal servicing transfers and poor communication.
Requested validation of debt from credit reporting agency on tax lien by Recorder of Deeds. Received letter back from Equifax stating " satisfied/released ''. But was not removed from credit report.
When a Chapter XXXX Bankruptcy was filed in 2008, the student loans were in default and assigned to XXXX collection agencies, XXXX XXXX XXXX and XXXX XXXX XXXX. Appx. {$42000.00} was claimed and during the XXXX XXXX, appx {$25000.00} in payments were made. Upon beginning a repayment plan after bankruptcy was completed, I consolidated what I thought was left with Navient. Navient has {$52000.00} in student loans due and owing. No where in any student loan payment ( as far as I can see ) does it show the principle balances of {$15000.00}, {$6200.00} and {$3300.00} was applied to my student loan debt. I have opened a case with the obudsman group but they are also having difficulty finding what payments were applied and where. I can via my bankruptcy paperwork show the principal amounts that were paid and listed above. 
Navient does not answer emails, etc and I can not afford a {$600.00} a month student loan payment. Please advise.
This is the second notice I have received from a collection agency called " Grant Mercantile Agency. '' They claim I owe {$710.00} to a creditor named as XXXX XXXX XXXX XXXX. I do not know who these people are because I never received a bill from them. I do not have the money to pay this, because I am on a fixed social security income and I do n't even make as much as the the amount I am being bill for. There is no phone number to reach these collectors only an address. I wrote this Grant Mercantile Agency when I first received their notice asking them who they were and why they were sending me a bill and explaining that I had never received any bill for this amount from this XXXX XXXX XXXX XXXX. I told them that I do not have this kind of money to pay for this bill as I have no extra money. No one replied to my letter. Instead I have received a second notice with the amount now at {$740.00}. I think this might be for ambulance service, but I am not sure. At that time I had told the paramedics I did not have any insurance and could not afford to pay for an ambulance. They ignored my request not to be taken to the hospital even though it was NOT an emergency. But I am not sure that this bill is for that at all. There is no clarification from these debt collectors as to what this is about. I think this may also be a scam. I am not even sure that this has anything to do with the ambulance company, because I do n't know if that XXXX XXXX XXXX XXXX is an ambulance service. I do n't really know who they are. When I was taken to the hospital last year, I told the hospital I had no money to pay anyone.
RushCard is full of it never again im going through the same thing again ive been on hold for over an hour waiting on a superviser to answer a question concerning my money, because the customer service person said the computors are down, they must think im stupid, if you cant get into the computer how jhowbin the XXXX the supervisor gon na get into the computer, im still on hold, this is the last tim this is gon na happen l just sent my employer my new direct deposit info which ive had the account all thr time. Why did you have to change banks? For whatever reason it was to benefit you and not the consumer, youre making money of our money. Should have stayed with XXXX. Your debit card system is no good.
My mortgage was with XXXX XXXX for a very long time. They sold the servicing to XXXX XXXX In XXXX Florida. I have been trying to work with them to get a modification on my home due to divorce and health problems. When I applied for the modification they told me that I didn't give them the paperwork in time. I showed them the proof from my e-mail that I did give all the information in time for them to look at it. This was incorrect on their part. 
On XX/XX/2018 Bayview told me that they can't help me due to previous modifications with XXXX in the past. I called XXXX XXXX today and my loan is not backed with them? 
I know the Bayview doesn't care if I lose my home but I am working and a single mother and trying very hard to live in my home. 
Anything you can do to help me would be greatly appreciated. 

Thank you.
Capital One 's payment processing XXXX XXXX was not deliverable. My XXXX  2017 payment was returned by the XXXX XXXX as " XXXX XXXX ''.
My loan was purchased by Freedom Mortgage in XX/XX/XXXX. Our home owners insurance was paid for by us through XX/XX/XXXX. Currently- Freedom Mortgage is trying to illegally make us escrow our Home Owners Insurance although we have specifically told them that we pay it on our own. They have not changed their billing and are still trying to illegally make us escrow our Home Owners insurance even though they have no legal right.
This complaint is based upon not receiving a response from Allstate Credit Bureau after sending a letter requesting information from them. On XX/XX/XXXX, I mailed a letter asking for validation of the debt in which they are advising that I owe an amount of {$200.00} on account number XXXX. As of today XX/XX/XXXX, Allstate Credit Bureau has failed to respond to my request of this information. I am providing a copy of the letter that was mailed to them, in addition to the certified mail receipt and proof of delivery. At this time, I am requesting immediate removal of this account from the credit bureaus of which this information is being reported. I look forward to your time and attention to this important matter.