WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a prepaid account with this company for more that 5 years, I have never had an issue until, someone tried to steal money from out of my account.. The company placed a fraud hold on my account holding up the money that was stolen and my direct deposit.. My card was canceled so I am unable to access any of my paycheck. THis happened on X/X/17. I have been going round and round with this company to release my money. I have changed my banking information so future checks will never go into this account=, However every rep that I speak to tells me the same thing and still I have not gotten any closer to getting my money. I was told to send a dispute form in, Did that, I was told to write a letter asking for my account to be closed, did that .. Each time I call they tell me to wait another 7-10 days.. THis is my paycheck.. I live check to check.., This issue has caused me to lose my car, because I was suppose to make payment on it ... My rent is late,, MY electric I have to borrow money to pay that, My car insurance is lapsed, my gas, cell phone and water is now late/ ... I have credit card bills coming up.. All I want is this company to send my money that is MINE to me ... I keep being told 7-10 days just to wait on my own personal money.. I asked if the money could be wired into my Credit union account and I was told no.. I can not afford to wait any longer.. I have no food, no way to get back and forth to work and I keep being told 7-10 days.. Each person I speak with english is not a primary language, so the next barrier is understanding these customer service reps. Each call I 'm on hold 20 minutes to an hour and I spend at least 2 hours on the phone with little to no results. I WILL NEVER DO BUSINESS WITH THIS COMPANY AGAIN ... .. Worse procedures for theft or fraud ever.. this company has set me so far back on my bills. Today I have spoken with a supervisor name XXXX.. WHo just told me I needed to wait another 7-10 Business days for a CBR that was on X/XX/17 at XXXX HE mentioned that whoever i spoke with before did not do what they was suppose to do,,, SO now I still have to wait even longer. THe intinal complaint was sent on X/X/17 and another sent on *X/XX/17
Hello my name is XXXX XXXX XXXX I am writing on behalf of my husband because he XXXX, Because of his situation he can not maintain his home and we are currently trying do a short sale with NationStar that is servicing the loan, NationStar has deny my short sale, they claimed that my agents was n't responding in which it is a false statement my agent have made every effect to sell my home. NationStar claims that the only way I can be able to get approved for a short sale if I participate in an online auction. They auction my property on XXXX XXXX, 2015 in which they claim that someone bided in the mid $ 300K this buyer never responded it was a waste of my time because XXXX does not know if the buyer are qualified to bid. ( I was already in contract with another buyer in which I lost because they lost the bid ). XXXX sent my agent an email saying that they will auction my property again on XXXX XXXX, 2015 and on XXXX XXXX, 2015 I email my agent a letter to send to NationStar that I deny that my property be auctioned on XXXX. In which NationStar never responded to the letter and the property was auction anyway and the short sale was denied. I resubmitted for a new short sale and they are giving me such hard time my agent submitted a offer higher than XXXX XXXX, 2015 auction. And again NationStar has not respond. I just want to get this over with, it been five month. We should n't be force to auction our property, if we already have a qualified buyer and are in contract. My agent submitted an offer on behalf of the buyer, but NationStar never counteroffer and email my agent that I will have to participate in online auction for my short sale to be approved. I think it unfair to have drag this for another couple of month. I hope you can help me in this matter.
After reviewing my Home Equity Account that I have had with SunTrust for over ten years, I requested an audit. I have been making additional principal payments and these payments have not always been applied properly. According to my review, SunTrust has adjusted payments, and applied interest to those payments. Those payments should have been applied as principal only. According to my records, my current balance does not reflect all the principal that should have been applied to the account. 
I have called the Home Equity Department at SunTrust starting on XXXX XXXX, XXXX and have received the worst customer service responses to my request for an audit. I have made over seven calls to the department in less than 30 days. Each time being told it would two days to review, each time when I called back for a response to my inquiry, I was being asked the same question over again. " Why do I want an audit done ''. Each time not being given any additional information to my request ( which should have been completed in two days ). Each time being informed that they needed specific examples/additional information to why I am requesting an audit -- before they can do an audit. The customer service representatives were courteous. Unfortunately, the department 's responses were ineffective When I provided just one specific example/information -- - A payment of {$950.00} should have been applied as principal only but interest was taken out. When I call back on XXXX XXXX, for a resolution to this one example, I was advised by the representative that the back office advised that it went back too far, and that they made the adjustment in XXXX. I advised that no adjustment was made in XXXX, XXXX. The representative agreed that she did not see any adjustment either. 
I have been paying more than the minimum payment for more than three years -- and it is not acceptable that these payments were not applied correctly and in accordance to banking laws and regulations. 
After attempting to work with SunTrust, I am formally writing to request an audit of my entire account. 
Sincerely, XXXX XXXX
After pulling a copy of my credit file I noticed an account being reported that I did not recognize. I notified th e CB, requested that they remove it, and they responded that it has been verified as mine. Questioning this response, I ( per the law ) requested all supporting documentation that was used to verify this account, along with the name and number of the individual from the CB that " verified '' the account and the name, number, and title, of the individual from the creditor that furnished the documents. I have sent multiple requests and have never received a response other than " the account has been verified. '' and directed me to contact the creditor. This is NOT acceptable and a clear violation of 1681 ( a ) ( 4 ). Under Section 611 ( 5 ) ( A ) of the FCRA the CBs are required to prom ptly DELETE all information which can not be verified. Ignoring the consumer, avoiding their legal requests, and passing the responsibility onto them is NOT acceptable.
My husband and I relocated to XXXX from XXXX in 2013. We lived in an apartment while we were house hunting. Our apartment lease was up in XXXX 2013 and we signed a home lease to begin XXXX 2013. We moved out of our apartment XX/XX/XXXX and returned our XXXX XXXX 'box ' to the local center. We both walked in and handed it to the XXXX XXXX employee. We asked if there was anything else we needed to do to cancel services, and he said, " Nope, you are good. '' We forwarded our address to our new home, and almost two years later, my husband received a call from a debt collector stating that we owed {$100.00} because the box was never returned ( we canceled our service and switched to XXXX when we moved ) -- and accused us of " stealing '' the box. He argued with the debt collector and insisted we had done this, but since the debt was so low, he agreed to pay the {$100.00} immediately because we are looking to buy a home and have been aggressively protecting our credit. We are now going through the loan process to buy a home, and our banker said that the XXXX XXXX credit hit knocked our score down XXXX points and we will not qualify for our home loan. Our banker has encouraged us to go back to XXXX XXXX and argue this " debt '' ( which we paid the first time we received a phone call ). After talking to XXXX customer service agents yesterday, they have " no record '' of our account and can not help us. It seems absurd to me that a company can literally ruin a family 's credit without any proof of our wrongdoing. Again, the " debt '' was {$100.00} and we would have paid six times that amount to keep our credit history in tact. Now, we are faced with not being able to buy a home for our family of XXXX. Please advise. This should be illegal!
Capital One is blocking me from enabling external applications according to XXXX XXXX  as I attempted to link my new XXXX XXXX   account to my current Capital One account.
Experian shows collections from XXXX XXXX XXXX for XXXX XXXX XXXX. I have called XXXX twice and said, send me a bill!! I always pay medical bills. This goes back six months, and I am still waiting for a bill. 

I do not think it is fair to show bad debt and not allow me a chance to even get a bill to pay. Can you help?
ATTENTION : EXPERIAN DISPUTE DEPARTMENT To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 

I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 

The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX : XXXX The account balance is incorrect, please delete. 

XXXX XXXX XXXX : XXXX The high balance reported is incorrect, please delete. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 

ATTENTION : EXPERIAN DISPUTE DEPARTMENT To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 

I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 

The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX  : XXXX The account balance is incorrect, please delete. 

XXXX XXXX XXXX  : XXXX The high balance reported is incorrect, please delete. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 

Please DELETE / UPDATE the above accounts as quickly as possible.
I have been contacted several times in the last week by XXXX XXXX regarding a supposed debt with Wells-Fargo. Most recently was XXXX @ XXXX. I was also contacted XXXX at XXXX and XXXX @ XXXX. I have asked the company to stop calling me at this time because my boyfriend XXXX XXXX Thursday XXXX and I was trying to deal with that right now. They advised me they would NOT stop and " I do n't know what to tell you ''.
I have dealt with financial hardship, And was homeless at one point an trying to get back on my feet this has hindered me from moving forward. The dates and amounts are incorrect. Also, some account are 7 years old or more.
OnXX/XX/XXXX I wrote Equifax a letter regarding an inaccurate collection account, XXXX XXXX XXXX XXXX see attached file ), account number XXXX, that they are reporting on my credit report. As of today, Equifax has failed to properly respond to the dispute and provide verification for the account. I filed the same dispute for the same XXXX XXXX XXXX account with XXXX and XXXX, both Credit Bureau 's deleted the inaccurate collection account from my credit file ( see attached file ). Equifax responded to my dispute by mailing a letter datedXX/XX/XXXX stating their dispute process ( see attached file ). They failed to respond within 30 days with the status of the dispute results and verification of the account.
We acquired XXXX XXXX internet as a provider. They promised us adequate speed for our needs, so we entered a contract with them, only to find out we could not even watch a movie, use our phones or work from home etc ... We paid for services for XXXX mos while they tried to correct the problem, in the meantime accrued charges for extra data to our phone, could not watch movies or work from home while they tried to fix. they sent us to collection agency for equipment charges and early termination fees which we are not liable for. they failed to reach their part of the contract. meanwhile they are blaming us for breaching the contract. we contacted them several times speaking to XXXX XXXX on XXXX/XXXX/XXXX which is the highest supervisor we could reach and she refused to remove the amount.
RAS laVrar , LLC responded to my previous CFPB complaint # XXXX however the response was not adequate to what I requested in the last response. RAS Lavrar , LLC indicated that they were updating their files to cease all communications with me, in which I never requested, however I requested for RAS LaVrar , LLC to not come out to my home address and they avoided giving me a response to that request. Also RAS LaVrar , LLC indicated that lawsuit was filed against me, in which I was already made aware of that matter, however I requested for the lawsuit to be dropped against me and I never got a detailed response to that request.
I tried to get a car on XX/XX/XXXX and XX/XX/XXXX from two different delaer ship. They were asking for my original social security card which i had in XXXX. I moved here to XX/XX/XXXX. They told me the reporting agencies can't verify my social and also the date of issue and considered me as a fraud.
I filed an online dispute for inquiries on my credit report. The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. None of these fits this requirement. Opened dispute on XX/XX/XXXX and received a response on XX/XX/XXXX that each and everyone was a factual record of file access. That is the problem file access by companies that do not meet the guidelines and no information from Equifax showing how they validated each and every one of them. I would like to have these removed and Equifax needs to know that spending 2-3 days on a response would not allow for anyone to do any kind of research or proper validation against the rules and regulations stated in the FCRA. I look forward to your assistance in this matter!
I was issued a credit card by First National Bank of Omaha under the title of XXXX. I made all payments at the First National locations in XXXX. I allowed my daughter to use the credit card. 

Today at a trial in XXXX, a XXXX year employee of First National Bank denied the credit card was issued from XXXX. He contended, under oath, that was not possible. But I know firsthand as I used it. I am not denying that, but the employee from the collections department at the Bank was untruthful, as to the issuance, activation and ownership of the XXXX 

The records will verify I made payments until I incurred medical, legal and financial difficulty and I never refused to pay. XXXX, being the XXXX dollar corporation litigated against my daughter and I contending we were jointly responsible. And conveniently, First National contended they do n't have any records prior to XX/XX/XXXX, to verify the card was issued under the XXXX name. 

In the XXXX XXXX on page XXXX item XXXX, it states " From approximately XX/XX/XXXX until XX/XX/XXXX, Respondent marketed and sold the Credit Monitoring Product PrivacyGuard. '' How does XXXX acquire records as First National contended they do not mine have relating to the XXXX Visa? I believe they are involved in another untruthful operation. 

I am requesting an interview to ascertain if an illegal act has been committed. 

Thank you. 

Respectfully, XXXX XXXX XXXX
My name is XXXX XXXX I am the heir to The Estate of XXXX XXXX XXXX and I have tried to get the loan placed in my name since XXXX XXXX and continued to pay by money order for the home for XXXX and due to medical reasons moved out of the home XXXX of XXXX my sister 's children was still in the home at the time with God parents who did not make payments to midland mortgage so payments got behind. I moved back in home because midland assured me that I could take over loan if I moved back in. I have moved in on XXXX XXXX and have sent multiple times hardship affidaviate and everything that they needed to try to help with getting the home placed in my name and assume loan and modification because of my low income. Now they are putting the house in foreclosure and I do n't think that it is fair because they have not done what they said they were gon na do.
I never E Sigmed for a loan with XXXX XXXX XXXX. They keep calling and harassing me, they dont stop. I want proof that It was my signature on the pay day loan, that they claim is my loan.I contacted XXXX  to monitor my accounts for fraudulent activity. 
There Was no legal documentation sent to me. I want proof., I dont have any. 
They never answer the phone, you give up trying. They are criminals.
Several calls from XXXX threading to serve me with take me to court over a 10 year old debt. They have been calling & harassing my children as well. When they said they have a legal document, I asked who the attorney of record was, they hung up on me.
I received a letter from XXXX XXXX XXXX XXXX stating that if I paid a portion of my bill the rest would be listed as settled in full. I paid the amount on XX/XX/XXXX. I received my credit report on XX/XX/XXXX. My report states that I paid only a portion and that I need to pay the balance.
My ex wife and I owned a home together before our divorce. We were told to sell the home through our divorce and we tried to do just that with Bayview to no prevail. I decided then before allowing a foreclosure to move back into the family home. I moved in and was given a modification but was NOT told that I had forced placed insurance on my home. Bayview Loan paid a local company to install a sump pump in this home which ultimately failed causing my and my family {$10000.00} in damages we were unaware were covered by this so called forced placed insurance. If I were notified in advance about this insurance by my company I would have never moved my family into this home. My loan specialist even admitted in email to having the sump pump installed in this home. Now, they are not fixing the mold issue and or replacement of the damaged areas in the home causing my family to be subjected to mold all over again which is a health risk for me and my newborn child. I have a total of XXXX children in this home and they are refusing to repair the home and cover the belongings in this home we moved into this home.
The lender has failed to respond to our QWR and notice of error - we believe the lender initiated foreclosure within the early intervention period in violation of Regulation X,  12 C.F.R. 1024.41 ( f ) . Your client failed to provide  XXXX   XXXX  with a  Post-Foreclosure Referral Not ice in violation o f 12 C.F  .R. 1024.39 ( b )
My balance was paid in full on XXXX/XXXX/2015 resulting in a balance of {$0.00} and interest was charged on XXXX/XXXX/2015 even though the balance was {$0.00}.
Popular Mortgage of XXXX XXXX has announced all over XXXX that they are offering relief for the hurricane by allowing customers to miss the next 3 months of mortgages, and loan Payments. This was automatic unless you were behind. Even when my mortgage has never been behind, I called to make sure my credit would not be affected. Although it wont, they are not telling people that they have to make up all of the payments in XXXX. This can potentially put many people in the streets. I for instance wold have had to make a prohibitive {$4000.00} payment in XXXX. This is a very irresponsible and fake announcement. They are lying to consumers, people who are already going through an extremely hard situation because of these XXXX category XXXX hurricanes. They are taking advantage of people under such dire situation.
Messages were left on my unlisted home telephone and on my cell phone number. The message also indicated that my place of employment would be contacted and that I would be served with a subpoena in my local county ref : Case number XXXX. Upon receipt of the message I returned the call that was listed in the call log rather than the number indicated in the message ( ) and spoke with XXXX XXXX and XXXX XXXX. XXXX XXXX proceeded to lecture me with regard to what he felt that I had done which rendered this cause of action. He refused to provide me with a physical address to respond to the complaint and indicated that I should visit the online website and make a payment on a payday loan from 2006. He transferred the call to XXXX XXXX who indicated that she knew my place of employment and did so by naming the place of business where I am currently working. She also indicated that she would neither provide me a physical address nor an email and would instead indicate my refusal to comply with the company 's request for payments. I do not owe any money to the creditor nor do I deserve to be harassed by them at my place of employment. I am on the Do Not Call Register and the company should not have access to my private/unlisted home telephone number.
Ever since you sent me the dissolution for my last and only complaint, I have been getting harrassing phone calls. They say I am to appear before a federal governments majester and since I never responded to them I am going to prison.? I looked it up online line the multiple numbers and sure as XXXX  others had complained of a scam, its just weird it was directly after dissolution of my complaint. Also now there is a fraud block on my report telling any consumer to call me before any purchase .... Its basically ruining my life, I am a single father trying to make it with a XXXX year old zero help from the mom she is long gone and you've destroyed or whoever put this fraud block on what credit I was rebuilding. My personal info is off by a long shot its seriously ridiculous! There is stuff on my credit which is ten years old when can a man finally get a break? Not to mention i'm in between XXXX   working jobs from the season and unemployed ... The i.r.s. charges like XXXX dollars a missed payment the state puts leins and distraint warrants out on bogus child support..NO ONE even actually looks at these claims ... The only government or service workers i have found to do a decent job is the DHS, and some of there workers are like ridiculous to where its overboard. I here of a tax reform all the agencies government and state are reformatting to correct this? I seriously hope my daughter grows in a generation where this is taken care of and government and state officials give a family the chance to XXXX LIVE!!!!! excuse my language i am in an outrage. HENT..VENT ... Please email me back or call leave a message so i can call update my contact information immediately so me and my XXXX year old can have a chance in this wold!!! and please take the fraud alert aff my account!!! ASAP When called i will present my real current info like phone address school history because some of the guesses and XXXX still on my credit is bogus!!! thank you for your time!! 
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