WillisBack/dataset-financial-user-claim huggingface dataset:
I own a small business and had an account with XXXX XXXX for about a year. in XX/XX/XXXX I received a certified letter from " XXXX XXXX XXXX '' from XXXX that on XX/XX/XXXX that my account will be closed and if I dont go in the bank and close it, he will. He did not provide any information as to why, and when I called them they said its their decision and they have decided to terminate our relationship. I own an XXXX company, and on a monthly basis we write about 250 checks to pay our vendors. They issued this letter to us right after we had mailed out our vendor checks. We did our best calling our vendors to tell them to cash their checks as soon as they can to avoid checks being returned. On XX/XX/XXXX, I went into my local branch " XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX and spoke with the manager XXXX XXXX   and closed my account. I made sure the account was at a XXXX   balance. Couple of months later I get a letter from ChexSystems about being reported to them for unpaid fees. I called ChexSystems and I was told that XXXX reported my business to them for some fees that had posted to my account after when it was closed. The total of the fees was {$520.00}. I researched this and found out that XXXX had tacked on overdraft fees from the time after when I closed my account per their request. I called XXXX to dispute this but they did not want to cooperate with me. By being reported to ChexSystems I no can not open any new accounts with any other banks. I have tried and they say my business needs to be removed before a new account can be opened. On XX/XX/XXXX I then called ChexSystems and just paid the {$520.00}. Although I do not beleive I should pay for it, I still did just to be done with this. So they issue now is that ChexSystems is telling me they can not remove my business from the ChexSystems file, and the removal request has to come from XXXX. So I then called XXXX  and told them I need to be removed from XXXX as I paid them their {$520.00}. After being transferred to many different people and departments, I got a hold of someone in " Corporate Quality Process Department '' XXXX and I was told that yes our account shows paid in full, however they will not remove me from ChexSystems. I am writing because I need help from being a victim of bad practice by XXXX XXXX  and ChexSystems. Not only I paid the {$520.00} for which I dont believe I should have, Now my business is reported to ChexSystems which is a negative mark and not allowing us to work with any other banks. My company has been in business since XX/XX/XXXX and we have never had any issues. I need help in getting my business removed from ChexSystems, and also I would like a refund for my {$520.00}. My business name is " XXXX XXXX XXXX  '' and my DBA is " XXXX XXXX '' Address is XXXX XXXX XXXX XXXX Ca XXXX. I am the owner of the business and my name is XXXX XXXX and my phone number is XXXX
Company : Discover Card I had filed an Extended Product Warranty claim for my laptop on XX/XX/XXXX and I am still waiting for my application to get approved. The claims agency ( XXXX ) associated with Discover has never contacted me for the pending claim despite being contacted ( calls, emails, voicemails ) by me several times in last couple of months. Neither the claims agent nor her manager has responded to my calls. To my surprise, when I login to my claims portal, I see documents uploaded by one more person in my account which is a huge threat to my privacy and security. Neither Discover nor XXXX is willing to be accountable or such negligence. Please look into this matter.
Showing a debt in collection the debt was incorrect and never occurred The problem was corrected by the claimant over two years ago but Equifax continues to show this
I have had several problems with Navient Student loan however currently even though I am making payments on my sons loan ( co-signer ) because they sent threatening letters to me ( co-signer ) and ruined my credit, because he was out of work and unable to pay. they were unwilling to work with him or us they were rude on the phone and very poor customer service. Despite my wife and I ( co-signer ) have payments being directly sent from our bank every month regularly before payment due they are charging us LATE fees even though payments are on time!!
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. 
611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or the accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer The items in question are as follows : ACCOUNTS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXXXXXX/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 IL XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX
I have reason to believe my account information for my Wells Fargo accounts was accessed by Wells Fargo personnel, without my permission.I contacted WF to get records of when my account was accessed, without my permission. They refused to release that information to me. They assured me that they address those situations in house, and that their policy is not to notify a customer when a WF employee accesses customer account information. I therefore as a WF customer have no way to know if my account information was viewed by WF employees, even if there were no unauthorized accounts opened. I still consider that to be a breach of confidentiality.
In  XXXX , I started the process of bankruptcy - but never went thru with it. I have since settled and paid my debt. I had an open account with  XXXX  that was charged off on  XX/XX/XXXX .
Since   XXXX   it has reported me late every month - even though the account is charged off and closed.
In XX/XX/XXXX  I called  XXXX  and asked if I could work out a settlement with them to get this account taken care of. The balance at that time was {$180000.00} -- they told me that if I paid {$100000.00}, they would reopen the account, set up payment arrangements for me for 12 months, and forgive {$60000.00}. They promised me that the balance would reflect as a positive balance on my credit, show the account was open and active and not reflect me past due but rather show me paying as agreed. I agreed to payments of {$1600.00} per month, and sent in the $  XXXX . They still show the account past due {$82000.00} - and charged off. I set this payment arrangement up with   XXXX   XXXX  . He misrepresented his promises to me, and did not honor any of his promises. I honored mine, and have since paid {$100000.00}. When trying to get a payoff or correct monthly statement, or to get it reported corrected on my credit they would not correct. I feel lied to.
Saw on my credit report that there is a collection for {$970.00} but I don't know what it is for since I did not incur this debt. The first collection company said they closed the account and returned the account to their client XXXX XXXX XXXX XXXX XXXX So what does that mean? It is not my debt.
I have disputed the status of this creditors account '' XXXX XXXX Credit Card ' ( XXXX XXXX ) 'numerous times with equifax and finally received my credit report correct as of XX/XX/XXXX. I have XXXX active XXXX credit card in XX/XX/XXXX, the XXXX from XX/XX/XXXX was discharged. My credit report was showing correct as of XXXX/XXXX/XXXX, showing this account to be in a closed status, and not a revolving. Since XXXX/XXXX/XXXX this account now shows differently and has been placed as a revolving account but XXXX ' out as a line of credit which causing issues with my credit score as of XXXX/XXXX/XXXX & XXXX/XXXX/XXXX it was put back on my credit incorrectly. Equifax placed this creditor under open accounts which actively affecting my credit. This account was discharged in a CHXXXXBK as of XXXX/XXXX/XXXX but the account remains as a XXXX balance but in the incorrect spot on my credit report. I was advised on XXXX/XXXX/XXXX by a manager that this matter along with other creditors would be taken care of and it has not changed and caused my creditscore to tank XXXX points or more due to several inaccuracies. Please see previous report that was correct at the time on XX/XX/XXXX VS XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, as well as phone conversation between myself an equifax management, discharge order, and XXXX.
I have had this credit card since XX/XX/XXXX. I never had a dispute until recently so I never knew the credit card practices. 

XX/XX/XXXX I rented a car XXXX. The quote I received was for {$710.00} ( attached ). I expected to pay that amount when we turned in the car in XXXX. 

However, the car rental company started to charge my credit card at odd intervals, so it was difficult to determine what was happening. 

Here are the charges XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX disputed these charges but Chase Bank did not advocate for me. I am the customer and Chase Bank should require their merchants to honor their quotes. Is n't that what credit card companies are supposed to do? I do not know what to do next. Please advise me. Thank you.
RE : NationS tar/  XXXX   T his account was included in a  US  Ch.  XXXX  bankruptcy filing on    XXXX   XXXX  , 2010, c ase #  XXXX  The notation in th e Public Records Section has  been removed in the   XXXX    credit report HOWEVER The notation of the NationStar/  XXXX  is st ill showing as an active/open account and derogatory.   Please see attached court docs regarding this case.   This account was included in the Ch  XXXX  filing of    XXXX   XXXX  ,     2010  and subsequently discharged per court order.   The allowable time a Ch  XXXX  filing can remain on a credit report is 7 years from the date of filing - which was    XXXX   XXXX  , 201    0 (  case  XXXX  ) This account should be removed.  <P/>  XXXX  informs the mis-information being provided to them is from Nationstar.  <P/> NATIONSTAR MORTGAGE  LLC   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX
Received Federal student loan from the University XXXX XXXX XXXX XXXX for the Fall of XX/XX/XXXX.  I had some issues that affected my ability to successfully complete the classes as I normally would. As such, I contacted the financial aid department to inquire about the financial consequences before making a decision regarding dropping the class. The representative informed me that I would not need to return funds if I was not receiving Pell Grant. I asked the same question four times and received the same answer each time. As such, I proceeded to drop the classes. On XX/XX/XXXX, I received an e-mail from the university stating that I needed to return funds. I contacted the university and spoke with the head of the financial aid department. After explaining the situation she instructed me to file a formal grievance. I filed the grievance, and during the grievance process the university proceeded to send my account to the aforementioned collections agency. After receiving correspondence from this agency, I contacted them by phone and sent letters via certified mail and first class mail. I explained the situation that caused my account to have a balance.On XX/XX/XXXX, I received a letter from said agency stating that it didn't have sufficient time to investigate my account. On XX/XX/XXXX, I received another letter stating that the account is accurate. I contacted the agency via phone and was told by a " supervisor " that the amount in dispute was from XX/XX/XXXX.  I tried to tell him that the amount in dispute was not added to my account in XX/XX/XXXX, that I was notified of the charges on XX/XX/XXXX. I also informed him that I didn't drop the last class until XX/XX/XXXX, so it was impossible to have incurred these charges in XX/XX/XXXX. However, he concluded that the charges were added in XX/XX/XXXX, and that is false. 

P.S. The agency also tried to argue that the grievance process does not prevent collection of the funds. My question is, why would the financial aid department instruct me to file a grievance to resolve the issue knowing that it would not resolve the issue, and would only delay a resolution? This account should not be a collections agency account, because we could have worked something out before my account got to collections. To conclude, this is an unfair debt collection, and is a violation of the Fair Debt Collections Act.
This is a huge step in the right direction but there still exist major flaws in the proposed course of action. First, the final loan assumption was XXXX 2014 ; this is the date when I officially assumed legal responsibility of the loan. Second, the response does n't even address the false reporting of delinquencies. It appears to me that OCWEN Loan Servicing is just glossing over the matter of false reporting delinquencies. That is the main issue I have with my credit report now. As the financial records prove I was never delinquent on this account. The matter is n't even addressed in the response from OCWEN Loan Servicing because they want to change the narrative. Third, how the loan is reported is n't in accordance with the contract I signed. The contract clearly states " the loan will be reported as Modified '' and not modified under a government program. If CFPB could please get an updated letter addressing the false reporting of delinquencies that would be great. As I 've shown through proof of payment and legal assumption of the loan, all delinquencies were discharged and not passed onto me upon assumption. This needs to be corrected ASAP. I 've provided all the necessary proof validating my position is correct. As I 've dealt with this company over the years I 've learned that they will pull out all the stops to XXXX you over. In my opinion, this is just another stall tactic in hopes that I 'll accept this but I 'm not. My good credit history is all I have and they 're not going to take that away from me. Please assist me in getting this corrected. If this dispute could be reopened I would greatly appreciate it. If OCWEN Loan Servicing refuses to correct the errors then I 'll have no choice but to seek legal recourse. As outlined in the assumption I 've attempted every option other than legal action. Please assist me in making one final attempt to get this matter corrected and effectively resolved. Thanks for your assistance.
I submitted a dispute to the following credit Agency : Equifax They are incorrectly reporting a medical debt collection under my name and social security number. It has been more than 30 days and has not been resolved. XX/XX/XXXX was their deadline. I called and was told that it was not removed. The collection happens to be under a person with the same first, last name and DOB as myself. Her address is also being reported incorrectly under my social security. The debt is for XXXX for a medical debt reporting in XX/XX/XXXX.

I called the XXXX XXXX before submitted the original request through Equifax and they could not find it because the social securities are different and I also called the Medical Doctor and they have no record of my name and social security number. I now have to file a fraudulent report with Equifax and they are asking me to file a police report. This is not my error. It is the credit agency for reporting it incorrectly.

My report number with Equifax is XXXX XXXX XXXX XXXX XXXX XXXX XXXX My XXXX  report does not show item or address.

My XXXX  report does not show item or address
On XX/XX/2016 I started the ReFi of my mortgage with AnnieMAC, we did not close until XX/XX/2017. In the beginning I was working with a Loan Originator which seem like everything was fine, I responded to her questions and needs and did the same for me. A week before the election, my appraisal came back and all the other paperwork required, I emailed her make sure that we were locked in at 3.8 % with no points. The day before the election I tried to get a hold of her to make sure because with election, interest rates could go either way. I was unable to get anybody at the company, their phone tree prevented me from getting a live person. I finally got a number through the web page and talked to a receptionist, she help me get in touch with a manager, his name is XXXX, he told me that the loan originator that I was working with was no longer with the company, nobody from the company had picked-up her clients, and according to him she never locked me in at 3.8 %, by now rates had gone up to 4.125 % with 1 point. They assigned a new loan originator, his name is XXXX and I had to start all over again. I told him not to lock me in and that we would just watch the market and after doing all the paperwork again, underwriting kept coming up with more items for me to get, instead of making a list and sending it to me, they would ask for something, wait a few days and ask for something else and wait a few more days and ask for more and more. They seemed like they did not know what they were doing. Finally in XXXX tells me that everything is good and we can close last week of XXXX. I locked in on XX/XX/XXXX at what I thought was 4.125 % with a small out of pocket for me. Turned out he locked me in at 4 % with a little more than XXXX points. At this point I just wanted to get it done, I asked him if we could wait until the first week of XXXX to sign so I could skip the XXXX payment, he said fine. Then after the 1st of the year it started again, a whole of more inquires from underwriting, all the way through to XX/XX/XXXX. The whole process felt like these guys are a bunch of rookies. With what started out as a not cost to me ReFi ended costing me {$18000.00}. I have all the emails going back and forth if you need them.
I have a payment receipt from XXXX for {$77.00}, on my statement I see that I was charged {$120.00}. 
Where is the fair credit billing act when needed ( XXXX )? 
Contacted Chase, they have a person with a accent I do n't understand contact me. I complained multiple times but Chase is was did not understand my XXXX. After multiple complaints that I need to speak with a proper XXXX speaker ( I am XXXX ), they sent me a letter and asked for a response using a fax.Ii have sent several faxes but did not hear anything back.
I got a credit card from Capital One in the XX/XX/XXXX 's. I was told it had a {$200.00} balance. I went to a local store later and tried to use it but the cashier said it needed to be activated. I went back home and called Capital One and they told me I had to put money into the account before I could use it, I could activate it when the money was paid. After deciding I did not want the card I called and cancelled it in XX/XX/XXXX/XX/XX/XXXX. In XX/XX/XXXX, I receive a letter telling me my card had been " restricted per my request '' but my account was continually charged to a total of over XXXX dollars. Prior to that in XXXX XXXX, I received a letter saying my account was suspended. They have been charging me fee 's of all sorts ever since then, have dragged me into court and have now garnished my wages for over {$1500.00}, and the card was never activated or used for any purchases or charges of any kind. In XX/XX/XXXX, I was found in default for not appearing in court so they awarded them XXXX plus dollars, when I went to court just recently in XXXX XXXX they awarded them over XXXX plus dollars. I owe nothing on this card, never used it, never activated it, even cancelled it. Even Capital One has no record of my card and when I asked her why that was she said, " well, the card would have to have been activated and used for me to have any record of it. '' Please help.
We took out a private student loan for my son XX/XX/XXXX with a variable interest rate, the loan amount was for XXXX, they charges us 13.586 % interest on the loan while he was in school and doing his XXXX so he started paying on the loan XX/XX/XXXX. At this time the loan is at 7.25 % and the new balance is XXXX, I have been on the phone for days trying to get information on this loan so we can try and redo it through the company that owns it and lock in the interest rate. I was told American Education Services owns it who told me National Collegiate trust owns it who told me AES owns it, regardless everyone at every company I talked to have said they can do nothing with the loan we are just stuck with it and when he pays it off he will be paying a total of XXXX. We were in a position where I got sick and had XXXX XXXX and needed to get him through school and did what I thought was necessary at the time to get him the funding to finish, not realizing no one would work with us and this could not be rewritten. We do not want the loan forgiven we just want a reasonable interest rate, and no one will work with us.
The three main issues : ( 1 ) Mortgage payments for an ( XXXX ) loan taken out in 2006 do not appear to have been applied properly to the mortgage. 
( 2 ) Homeside lending issued an XXXX mortgage and communicated they would aggregate the monthly payment into " XXXX '' payment request to us, and they would allocate across the XXXX loans. It appears that never happened as the 2nd mortgage looks like it never received a payment. 
( 3 ) Post a serious delinquency during the financial crisis, we reinstated the loan thinking we were obviously reinstating XXXX loans ( XXXX / XXXX ). We have since learned only the first mortgage was reinstated, the 2nd charged off, the balance on the first has only dropped by {$10000.00} over the past 10 years although we have made over {$100000.00} in payments to the various mortgage companies & banks that have owned our loans, and the balance for the 2nd is reporting the same as the original 2nd loan amount. 

Please note : These loans were with Homeside Lending, then XXXX went to XXXX XXXX XXXX, then to XXXX. Currently the 1st mortgage is with XXXX and XXXX placed the 2nd mortgage with another company. We did not have the original mortgage documents but were able to provide documents from the courts to substantiate the loans which includes the lenders name, loan number, and dates. We have also provided a copy of the credit report which shows the balances quoted in this complaint.
I checked my annual credit report and I noticed something that seemed in error and disputed it with the XXXX agencies. Before I even heard a resolution apparently this collection agency filed a small claims for nearly double the amount owed and I had never received the court documents/summons. I am now got a letter from them in the format of court document demanding I give them all my finical information and only having one sentence saying this was " voluntary '' while making it look like a court order I do so for a garnishment.