WillisBack/dataset-financial-user-claim huggingface dataset:
can not contact experian, requesting a credit report online gets to an 'unknown error ' page, and asking me to send them a letter by US postal service - seems like they do not provide a service that works for what is available in 2016, artificial impediments.
I sent NCM a letter and asked for a true and certified copy of the original instrument of indebtedness with my original signature. NCM sent me a typed up copy of a lot of numbers of an amount owed with no sign of my signature in sight. I followed up with another letter that 's attached to this complaint and asked them once more to please send me the original indebtedness. NCM refused to do so and sent me another letter stating that they were n't responding to my letters any longer with an updated different balance.
Ca n't cash out said it waiting for my bank to send statement to XXXX XXXX. what taking so long to cash out. Need cash to prevent overdraft fees tommarrow XX/XX/XXXX. Please help me to fix this problem or ill be dealing with a XXXX dollar fee
In XX/XX/2018 capital one sent emails stating false acussations regarding an invitation to an auto loan.I was told that applying would not have an impact on my credit.In XX/XX/XXXX I noticed my credit profile had been missued by entities I have no knowledge of and reported to the credit bearues. I did not give authorization to the following entities to obtain information regarding my credit profile not did give written or oral consent fot any inquires being reported by the following entities.
XXXX, XXXX and Equifax are failing to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature and also method of verification, who at the court ( persons name ) they verified the dispute with, the address, and telephone number.

I have advised all 3 credit bureaus Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Diversified Consultation has been harassing me about a debt with XXXX XXXX that I do not owe. I have made numerous attempts including speaking with customer service to resolve the issue. At no time have I signed a contract with XXXX XXXX. Diversified has not been any help with resolving the issues, neither are they able to provide me with any legal documentation holding me accountable for the bill.
I closed my account with Home Depot and made arrangements with home depot to have my monthly payments automatically deducted from my personal bank account. I recently applied for a mortgage and discovered that Home Depot was reporting to the credit bureaus that I have been late every month since XXXX XXXX 8 months straight ). I contacted Home Depot to explain the situation and all they could do was apologize over and over again. I was told that someone should have told me that the past due amount would still be delinquent until the monthly payments pay it off. I informed them that I was not made aware of that at the time of entering the payment arrangement. I asked them to write a letter so that I could send to the Credit Bureau but once again they only offered a verbal apology and said that they could not type a letter. I need this incorrect reporting removed from my credit report so that I can qualify for my mortgage.
Equifax is intentionally reporting incorrect information and not removing items when directed by the creditor. I am in the process of filing a XXXX dollar law suit against Equifax. I recently disputed the XXXX XXXX account with Equifax advising that my payment history for this account is not correct. Equifax decides to complete the investigation on XXXX/XXXX/2015 which still shows the account as delinquent. Equifax could have not completed a complete investigation as XXXX XXXX sent Equifax notice to update the account on XXXX/XXXX/2015. Equifax has caused me damage and continues to be malicious in it 's handling of my credit file. Attached is a copy of the record that XXXX XXXX sent to Equifax to update the account.
Capital One credit card closed our accounts without any reasons. They are not allowing us to redeem out accumulated cash to purchase a new XXXX XXXX vehicle.
Additionally, I noted that my credit report is adversely reflecting the following accounts : FUTURE HEARINGS Case Information I Register Of Actions I Future Hearings Party Information None Case Information I Register Of Actions I Future Hearings Party Information Parties Plaintiff : CAVALRY PORTFOLIO SPV : # XXXX**** I LLC AS ASSIGNEE OF XXXX XXXX XXXX XXXX XXXX XXXX

Defendant : XXXX XXXX XXXX   AKA XXXX XXXX Attorney for Plaintiff : XXXX XXXX XXXX  

Case Information I Register Of Actions I Future Hearings Party Information XX/XX/XXXX DISMISSAL WITHOUT PREJUDICEFILED FOR THE ENTIRE ACTION AS TO ALL D EFEN DAN T ( S ) AND ALL CAUSES OF ACTION ( S ).

XX/XX/XXXX SERVICE RE : SUM M ONS AND COMPLAINT RETURNED NOT FOUND/NO SERVICE AS TO ( XXXX, XXXX ) AKA ( XXXX, XXXX ) FILED. COSTS OF {$60.00}.

XX/XX/XXXX OSC H EARING XXXX XXXX XXXX XX/XX/XXXX AT XXXX XXXX, IN DEPARTMENT SEY. ORDER TO SHOW CAUSEHEARING SIGNED AN D FILED BY XXXX XXXX XXXX, JUDGE TO SHOW WHY SANCTIONS SHOULD NOT BEIMPOSED FOR FAILURETO FILEPROOF OFSERVICE AND FAILURE TO FILEDEFAULTJUDGMENT PURSUANT TO XXXX XXXX XXXX   CERTIFICATEOF MAILING FILED.XX/XX/XXXX COLLECTIONS CASE COMPLAINT FILED PURSUANT TO XXXX XXXX. XXXX XXXX. Filing Fee : XXXX XX/XX/XXXX SUMMONS ISSUED.

XX/XX/XXXX SUMMONS FILED.
X/XX/2018 cabelas XXXX credit card changed the policy that we agreed to pay without a op out option, we never received a notification in the mail, they changed the way they calculate the minimum payment and our payment increased {$100.00} above what we agreed to normally pay in our policy agreement, I talked to the company and they said too bad.
Our original Loan was XXXX after a couple of years of going back and forth and holding the Mod for a number of unfounded excuses they finally agreed to the DOJ/Mod but before anything could be done XXXX Transferred my loan to SPS on XX/XX/XXXX after a few months of the same with SPS we were finally sent a DOJ/Mod approval on XX/XX/XXXX we made our 1st initial trial payment and noticed that the amount of salary that was used to calculate my salary was wrong at more than double my true salary on XX/XX/XXXX we wrote to SPS and advised them of the issue the SPS rep assured me that i had the wright to dispute but to not stop making the other 2 trial payments after about 2 moths after I paid the final trial payment I was told the investigation was complete and it was correct under the advisement of the SPS rep I was told that I could simply refuse the DOJ/Mod and start a new one since I could not accept the first one because if I had accepted this I would be committing perjury and Fraud a my salary has never been {$10000.00} monthly. on XX/XX/XXXX I sent in my XX/XX/XXXX XXXX XXXX XXXX and on XX/XX/XXXX I called SPS and was told once more by the SPS Rep that if I did not agree I could dispute this once more on XX/XX/XXXX I received a letter to inform me that since on XX/XX/XXXX I did not agree then I could not qualify for the DOJ/Mod principal forgiveness program, I received foreclosure documents and my Lawyer has been able to stop the sale twice but I just find this very fishy that I was approved at a higher salary which was not true but at the corrected one I did not qualify for, I believe this is Fraud and it needs to be investigated to prevent this company to do this to anyone else even if I have to loose it all I will keep voicing my right as I did everything that was asked of me.
Im on a rate reduction program with Navient and you have to reapply every year based on your income. My income has dropped to half and I just had a baby. So they told me that didnt matter and I didnt qualify. How does your income drop in half an have a baby dont qualify. What is the point of asking me about my income if they are not willing to help me. They are not willing to help me. Is there other options like income based options? I literally was offered no help and when I call I get a different answer every time. This company is terrible to work with. Do you know of other companies that I can go with or help with this??
I am a long time customer of Belk 's, a department store in XXXX, N.C. I have had a credit card with this company since XX/XX/XXXX. Last year Belk 's credit card was bought by Synchrony Bank. I have always paid my bill on time and I have always paid by check. On XX/XX/XXXX I received a letter from Synchrony Bank that falsely stated it had reviewed my account and " discovered a number of dishonored payments '' and based on this was " suspending your charging privileges ''. When I called to complain about this false statement and to demand proof of their statements, the bank rep refused to produce any evidence. The rep falsely claimed that I paid by credit card with an incorrect account. This assertion was false. Accordingly, I offered to produce my cancelled checks. They continued to assert that I had paid by credit card. I demanded to know if they intended to report this false statement to the Credit Bureau. They admitted I had not paid late and therefore could not report these false assertions to the credit bureau. In addition, this bank called numerous times falsely accusing me of having paid with an incorrect credit card account. We closed the account. Although I ultimately will not suffer harm from Synchrony 's false statements, I believe this bank should be investigated for false and fraudulent conduct. Also, Belk 's should understand what the bank is doing and how it is harassing customers and how it is engaging in false consumer loan practices.
My name is XXXX XXXX, owner of the property at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. XXXX XXXX I got damage of my property by Hail. I claimed my insurance with an agent XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, claim service by XXXX and main insurance company name is XXXX XXXX XXXX. I was paid by my insurance company and I fixed my property accordingly. After completion of the repairing job, my mortgage service company name Shellpoint Mortgage Services called me to send their inspector to inspect the property and they sent, inspector saw the property and left with full satisfaction. After a month about Shellpoint added an amount of {$48.00} with my monthly mortgage payment as an inspection fee and I was told to pay this amount every month over my loan period of rest 29 years. 
My loan is under FHA. 
I asked Shellpoint, what is the total amount of inspection fee to be paid. They said, they do n't know and despite my repeated correspondence Shellpoint could not make clear about total inspection fee. 
Then I said, unless legal solution I will not pay this inspection fee with uncertainty. On the other side my insurance company did n't tell me anything about and I have not been asked anything by my insurance company. 
I eagerly request to have a right answer about this inspection fee, because they have kept me in complete dark. Thanks
XXXX XXXX XXXX amount of {$14000.00}. I have sent XXXX XXXX XXXX a debt validation on XX/XX/2017 and XXXX XXXX XXXX has not responded. XXXX XXXX XXXX then took me to court on XX/XX/2017. I have no knowledge of this debt.
I signed up for the service that the representative promised that I would have service in this area and we 're we live the service around here is very spotty and had dropped calls cause of that.this service is more geared toward the southern states as even people from your company have mentioned to me.I 've paid my fair share of this bill even though you did provide me the service I was promised.
Citibank closed my Platinum AAdvantage account ending in XXXX in the month of XX/XX/XXXX, and did not refund me for the unused annual fee of {$99.00} which was billed on XX/XX/XXXX. I have called multiple times, as well as have a record of the customer service chats where customer service agent XXXX advised on XX/XX/XXXX that the credit would be applied on the statement closing on XX/XX/XXXX, and I also have a chat record with agent XXXX on XX/XX/XXXX who advised she could not issue a credit, but to call a specific number and a supervisor " will be happy to help you in this. '' I called the specified phone number, spoke with agent XXXX  ( employee ID XXXX ), who advised she could not/would not waive the fee, even though I continued to explain the account was closed/there is no reason to charge me the annual fee. She advised her supervisor XXXX ( would not provide me an employee ID/number ), also advised they would not waive the fee. I am simply requesting credit for an annual fee on a closed account, I'm not asking for credit toward on an annual fee that is an active account. If further documentation is needed please let me know, as I have records of the customer service chat ( s ) where I was advised I would be credited back.
I received a call at XXXX today from XXXX from a person identifying herself as XXXX. She stated she was representing Monarch Recovery Management based in XXXX and asked if I was XXXX. I affirmed that I was, and she asked for my birth date. This I refused for obvious reasons. I asked the nature of the call, and she replied it was about a debt to a bank I had never heard about. I told her I had no debts and had never heard of the bank she mentioned. I asked her for the birth date of the person she was looking for and she refused, citing privacy. She then suggested that my providing her with my birth date might help me detect identity theft. As a retiree from the California Department of Consumer Affairs, this raised a red flag for me. Wheedling info out of people is known as social engineering by scammers. In any case, I have no debts. How do I complain if this company calls again? Thank you, XXXX XXXX, CA
My Equifax Credit File, dated XX/XX/XXXX, shows I have a previous address of XXXX XXXX XXXX XXXX, XXXX, TX XXXX Reported : XX/XX/XXXX. This is incorrect, I have never had that as my address. 

When I try to access my Equifax data online, part of their security challenge is to ask specific questions from my data file. The questions they ask are related to the mortgage and payments for the house in XXXX, TX. Since I have no knowledge about that property, I am unable to answer their questions and the Equifax site denies me access. 

I have asked Equifax to correct this error since I believe it is an attempt at data theft and someone else is using my credit report, but Equifax has not corrected my data even though I have requested their help at least four times.
I opened an account with coinbase and easily set up my debit card to deposit funds but when I went to withdraw funds I was instructed to link my bank account for withdrawal.s. I did as insructed and waited for verification deposits. Received them 5 days later yet the account is still not verified and funds can not be withdrawn.
i went to the branch at XXXX, NY XXXX I wanted to deposit {$1500.00} into my account - i needed it ASAP as i had to process payments but they refused to accept my deposit without ID. I asked them to identify me other way but they refused. I was not taking money - it was a DEPOSIT. I was really upset by the treatment and they did n't show me the policy that says so ... It was very humiliating experience. I 've been Chase client for more than 15 years and have numerous accounts but this treatment was unacceptable : by employee and branch manager as well.
I have tried to cancel my Macy 's Card on several occasions. They continue add {$2.00} fees and say the account is open. The balance is {$4.00}. I would pay the {$4.00} but they have shown in the past that they wo n't close the account. This seems very dishonest. Can you help get the account closed and not affect my credit?
Missing disclosures in Mortgage closing : XXXX # XXXX # XXXX NC Treasurer Unclaimed Property : Mortgage Escrow Reimbursement # XXXX Real Estate Lawyer Review : XXXX XXXX XXXX XX/XX/2017
On XXXX/XXXX/2016 I made an online transfer via my Bank of America online account to my landlord who uses XXXX XXXX Bank. Bank of American withdrew the {$2000.00} of funds from my account on XXXX/XXXX/2016 but never delivered it to the recipient. I have discussed this with both the recipient and XXXX XXXX Bank and they confirm as of XXXX/XXXX/2016 they have not received the funds. I have asked Bank of America to put the funds back in my account as they failed in their delivery of the funds. To date they have refused to put my funds back into my account.
I received the letter I have submitted today from a company called ARA. It says the original creditor is XXXX ( which I have never had an account with ), and I owe them over XXXX. I would like to see the original credit docs that I signed to obtain this debt.
I am a XXXX XXXX XXXX on a limited fixed income. I applied for a best buy XXXX credit card about a XXXX ago so that I could XXXX XXXX XXXX. Ever since then I have paid between $ XXXX {$150.00} every month to keep up on payments. I have an auto pay set up now for {$150.00}. So with this in mind I assumed, ( HUGE MISTAKE ), I would be not only paid up to date but ahead! This far from the what is occurring. Even though I am making the {$150.00} I am also being hit with 25.99 % interest PLUS ... a 4 % interest fee for something I have no clue why!!! I am, as of this writing ( XX/XX/XXXX ),  almost {$1800.00} behind. I asked how I could catch up and was told that at my present payment it would take " about '' year. Guess they could n't calculate how long it would take. So I asked again what I could do to catch up so that I am not paying over {$35.00} in interest fees plus another 4 % per month. I was not given an answer. I fully understand that I made a purchase in XX/XX/XXXX, however, the interest fees were higher than the items I purchased. That is in spite of the fact I made a {$150.00} payment. I want it to be clear that I have never missed a payment on ANY of my bills. I always submit higher payments than the monthly minimum, currently, the minimum is {$58.00}. S this is how I see what going on .... {$1800.00} balance. {$150.00} payment minus at least {$34.00} in interest plus {$58.00} for monthly minimum payment. This comes out with {$58.00} left over to go towards future payments Am I nuts? This does Not seem appropriate considering I have NEVER missed a single payment. I was told that I had bought something, they did n't tell me what or how much it cost, at a certain interest rate and had XXXX months to pay that item off. Again, maybe I 'm XXXX or XXXX, but it seems to me with the payment amounts I make every month I should be well caught up. HELP PLEASE!!!
I made a payment of {$7400.00} to CitiBank on my credit card. They dated stamped my check. It was honored on second submission to my bank. The first submission was declined as a security matter by my bank. Citi charged me with a late payment, reduced my lines of credit, and has failed for 12 months to fix the problem, despite many phone inquiries.
I'm being harassed with calls everyday on my cell phone which I didn't give them consent to call. In addition, a rude person is calling when I advised the company that I'm experiencing some financial difficulties and I will make a payment when I'm able to. Due to the frequent calls I'm now experiencing XXXX and XXXX.
I pay off my balance due on XXXX/XXXX/XXXX which it was a weekend but they claim if was after they cuff off and charge me interest even that it was paid on time and in full. The payment was no process with my bank until XX/XX/XXXX because the due date was over the weekend. Whether is mail or online the laws says that we have 21 until the due date for the credit card to received payment and if the payment is over the weekend there is a grace period until the next business day. The law of credit card act does not specified any time cutoff for weekend payment only for business day. if payment is received within the 21 days and fall in a weekend a grace period will be in place. Whether is mail or online this should apply. The credit card law of XX/XX/XXXX section 106 ( a ) 2 and section 163 ( a ) and ( b ) which they credit card company did not mail me the statement within 21 days to the due date as require by Law. I received the statement on XX/XX/XXXX when the bill was due on XX/XX/XXXX.
XXXX took over my car loan. the repedetly call me its 3-4 times a day all with in three hours. i called them asked them to stop calling they said they will call over and over tell they get me. i have never even been late on a payment and they harrass me
I have a Car loan with BBT and when I opened the loan account, they also automatically opened a checking account. They did not give me an opportunity to not open the checking account. I was told that the checking account was not going to have any fees associated with it.   I have paid my loan payments all on time and am close to finishing the loan. They started charging an " Account  Maintenance Fee ''  in  XXXX  for {$13.00} every month.   I did not authorize the fee nor was there a separate notice informing me of the fee. They snuck a short message into my regular monthly statement that went unnoticed since I get my statement emailed.   The message it 's is ambiguous and does n't clearly state why the fees will be charged other than " mortgage qualifier being removed ''.
I have a Discover it card since 2012, and I always follow their rules and regulations. My credit score is excellent, I have XXXX late payment, and I even have a Discover saving account with a good amount of money. 
However, they closed my credit account without any notice. Then, their customs service did not want to give me any reasons for that.
I sent Experian a letter ( letter attached ) requesting the investigation procedure for several different items which are listed in the attached letter and below. Experian received this letter on XXXX/XXXX/2015 ( delivery confirmation attached ). It has now passed the 15 day time limit for them to have provided the procedure. They are now in NON COMPLIANCE. Please see FCRA laws below. 
Items requested for Investigation Procedure:XXXX. XXXX Collections Account # : XXXX. XXXX Collections Account # : XXXX. XXXX Collections Account # : XXXX. XXXX Collections Account # : XXXX. XXXX XXXX XXXX Account # : XXXXAccording to FCRA XXXX XXXX XXXX XXXX sub-paragraph ( a ) ( XXXX ) : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 

Noncompliance- FCRA XXXX XXXX XXXX XXXX Sub-paragraph ( a ) XXXX ( A ) : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}
We are ALWAYS current on our payments yet Ocwen continues to call EVERY DAY including SUNDAY to RE-DISCUSS that our payment is changing and that they received our insurance changes and all is well. this was discussed thoroughly with an agent over a week ago yet they keep calling to say the same thing! ENOUGH! 
Caller : OCWEN