WillisBack/dataset-financial-user-claim huggingface dataset:
I started asking in XX/XX/XXXX for someone to call me about my HILOC coming due. I asked in XX/XX/XXXX and again in XX/XX/XXXX when I visited the branch office. Finally in beginning of XX/XX/XXXX, I called an asked the persons name and location to have a face to face conversation. She gave me a short list of things to get and said they can do a 90 day extension. I brought the items to her. I received a regular bill for XX/XX/XXXX and paid it. Two weeks later I was told I needed 2 years tax returns, which I did not have. ( I have an email from customer service that said my loan was extended in XX/XX/XXXX ) Because I did not have my previous tax return, I was advised I could not do another HILOC, I had to do a morgage instead. She sent my info to XXXX to do a morgage. He contacts me several days later asking for the same info and he told me she could not have done a HILOC in XX/XX/XXXX due to the account was past due, this is now mid XX/XX/XXXX. I advised I did not have the tax returns, they were with XXXX, and due to their policy change I had to wait to file to get access to previous returns. I startged getting late notices for XX/XX/XXXX and my credit was being ruined, there was no extension, or it was reversed. I got the irs to send me my tax return so i could get the loan done, I had been approved just needed the copy he said. I did not hear from XXXX for several weeks and I started calling again. He finally sent me the loan docs, 6 days before closing. Then these doc 's had to be changed, and I could not view them till I got into the office to sign. No discussion was held with me what I wanted, the bank decided to lock me into a 10 yr morgage with payments nearly half my income and made me escrow my taxes and ins, which I did not want. I am borrowing about 60 % of value of home. I asked if I had to have auto pay, he said no, I can pay when ever I wanted which was good, i wanted to pay earlier to cut down on interest. He called 2 weeks after loan is signed asking for my drivers license info. Now I am now being told I have to go on auto pay and they can only pull my regular payment 1 month after the loan is signed. I feel I have been lied to and misslead the entire time with what I wanted to hear just to keep the loan with them. I feel they had me in a corner and i could not get out of, this is now 60 days and was another mark against my credit. To go anywhere else, would have taken more time and a possible forclosure, yes they sent a forclosure threat even though they were refinancing me. To go somewhere else now will cost me anotehr XXXX in closing costs. I want someone to look into their deceptive practices.
I recently disputed a bankruptcy reporting on my credit report inaccurately, And it came back as verified, I have contacted bankruptcy dept and they then informed me that they never verified anything and that info came from 3rd party verification which only verify address name and last four of ssn ... Which is not me and is a family member with the same name is me who has previously committed fruad under my name I would like this to be removed from my credit file or this to be sent up to a executive manager to be reviewed cause bankruptcy info is inaccurate and dont belong to me and need to deleted, Thanks wrong person
My FHA home loan was sold from XXXX XXXX XXXX to Nationstar about 2 years ago. During the past 2 years I have repeatedly asked to be provided an itemized list of debits and deposits to my escrow account ( my county property tax, mortage insurance premium and home owners insurance are handled through the escrow account ). I believe I have been overcharged mortgage insurance often times being charged 2 to 3 times a month for mortgage insurance. Suddenly XX/XX/XXXX my MIP decreased from XXXX to XXXX without explanation. Further I have had to demand this information because until about 2 months ago it was not provided on my statements.
I am disturbed that you XXXX  continues to list the following dismissed bankruptcies as confirmed within my credit file. 
Case # XXXX XX/XX/XXXX Case # XXXX XX/XX/XXXX Case # XXXX XX/XX/XXXX Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, the credit agency must delete this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.
I have a couple apps that help with budgeting and overdraft alerting and capital one will not give them access when I use the secure log in and put in the security code.
I applied for a wells fargo propel card on XXXX XXXX 2015. I had to spend XXXX in 3 months to receive XXXX bonus points. I completed my required spending in XX/XX/XXXX and my bonus points were shown as pending to post XXXX XXXX. I also called XX/XX/XXXX to ask when they would post - i was told XXXX XXXX. They did n't post and i called back XXXX XXXX - the lady said they would post XXXX XXXX. I verified on the website that it was now changed to XXXX XXXX. I called in XXXX XXXX when they did n't post and was told they would post XXXX XXXX. My complaint is that they are not posting in the time their fine print said, as well as they would not return phone calls as promised ( i spent over 3 hours on the phone through 6 phone calls all pertaining to this ). In addition, my points have still not posted even though i held up my part of the agreement - wells fargo is not holding up their agreement in their fine print under the promo i signed up for.
on Three separate occasions my driver 's license and XXXX card were used to rent a car from XXXX XXXX XXXX in XXXX NY. On each of the first two occasions my credit card was canceled and replaced. This third time a fraudulent card in my name was used.
I was a victim of identity theft and noticed a collection from FOCUS RECEIVABLES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against FOCUS RECEIVABLES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you
A mediator from the office of XXXX XXXX, Pretrial Mediation called and stated I owed a debt of XXXX from a few years ago to a pay day lender ( whom I have never been the recipient of funds ). The caller stated I closed the bank account and that was fraud. Not true. She refused to give me any contact information or send any documents as proof of this charge. Threatened me with a federal offense ...
Wells Fargo is now handling my retirement account ; however, when I tried to access the account online it stated that they were unable to process my request online and to call XXXX XXXX. I called that number and was told because I had more than one profiles that I had to go into a local branch. I went into the branch XXXX/XXXX/17 located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX. Spoke with an associate that initially said that she could help. She asked for 2 forms of ID and I provided my driver 's license and my work badge. She had me verify my maiden name " XXXX '' and a previous address. Then she called someone. During her conversation she informed me that I will not have online access to my account and proceeded to say that if I had an active account that I would be able to access my account online. She gave me an XXXX number to obtain over the phone info about my account. I was upset and left. I told her that I would file a complaint. On my way home I called the number she 'd given XXXX XXXX, their Retirement Service Center. Spoke with an individual over phone she asked me personal questions, which I verified and afterwards was told that she needed to transfer me to someone else. I was transferred to a gentleman and I verified my information yet again. He initially said that he could help and then it changed. I recommended that he call the branch and gave him the name to the associate that I 'd spoken to. He said that he would, then he came back after a few minutes and said that he would have to fill out a form to escalate. This is not right!!!! Wells Fargo obtained my information through my employer, which is the same employer that I had when I opened a previous account with them. I work directly across the street from the branch. Since the transfer Wells Fargo, they have yet to reach out to me via mail, email or phone to verify my account information. How will they report this info for tax purposes? I 'm lost for words. Is this how financial institutions now handle accounts when there are multiple profiles? I 've moved and married since my first account with them but my race, sex and social have remained the same. I 've had retirement accounts with XXXX, XXXX and XXXX but never a financial institution unwilling to provide me with my account information. I feel their practices are deceptive and in violation with current banking laws and requirements. With all the media attention that Wells Fargo has gotten I 'm extremely concerned that they 're allowed to do this.
XX/XX/XXXX, i reached out to XXXX XXXX for XXXX XXXXXXXX consult. I received a quote and i applied for credit. Was approved through several different companies but i chose XXXX XXXX XX/XX/XXXX. Even though, i havent had my XXXX, i started paying {$240.00} a month and paid a total of {$1400.00} before i cancelled the XXXX all together. I called XXXX XXXX about my refund and i also knew i was having to pay {$250.00} for canceling. It was told to me that someone from XXXX XXXX sent an email to XXXX XXXX letting them know i was canceling and wanted a refund. XXXX XXXX emailed me me back letting me know they was taking out the {$250.00} and i was getting {$790.00} refund. So i emailed asking what happened to the rest of the money. Still to this day no one will answer. I call back this year and i was told i was getting back {$680.00}. I called XXXX after the conversations with no success, nor any call backs. I want to know what happened to the rest of my money. I have every email and the contract.
I made an account with Coinbase several years back when it was within there terms of service for a XXXX year old ( XXXX ) to become a member. Come 2 years later ( XXXX ) when I am now XXXX I logged back into my account to purchase bitcoin. I even got a joint bank account for such said purpose. I was able to transfer XXXX dollars from my bank to bitcoin and ethereum with no problems and without ever having to scan in any form of id ( drivers license, etc. ) A few days later ( 2 weeks ago ) I  edited my information to include my birthdate and then got an email from Coinbase saying that under XXXX year olds could not participate in their service. I think I am entitled to convert my bitcoin into usd and send it back into my bank account using their exchange as no id was initially required and I was not informed of the XXXX change. If I try to change my bitcoin into usd using another method I could literally lose half of my invested money in fees.
My Chase 24-Hour Online banking account often displays out of date information, including payments recently made. See attached documents. 
A payment made to XXXX Account on XX/XX/XXXX shows as paid, but still does not show on my Chase activities by XX/XX/XXXX. If it 's already paid, it should show as activity on XX/XX/XXXX. 
This has become a consistent problem, resulting in inaccurate info on my account, which then results in overdrafts and fees. It seems this is done to maximize collection of overdraft fees. I 've complained about this to Chase by telephone before.
I took out a Parent Plus loan for my XXXX girls to go to college when I was going through a divorce. The original loan was XXXX and now is XXXX. I have tried the forbearance and have asked to receive the income-based application several times in which I never received I can not afford this loan I am single and an XXXX XXXX I barely survive on my own. When it was XXXX XXXX I was able to pay $ XXXX monthly and could do this. Now my payment is over {$300.00} and the interest and loan just keeps getting higher. I am at a loss with this. Navient has not delivered this income based application and I have asked several times. Not to mentioned the multiple emails and calls I receive for non-payment which I can not pay. This original loan has almost doubled. HELP!!
I have 2 separate accounts through Navient, a student loan corporation through the department of education. i have 2 seperate accounts one for {$4300.00} and another for {$2000.00}. one of these accounts if not both shouldnt be open because the dates they have stating i was in school is not accurate nor is the institution. they told me to call the school and verify which i did. the school has no record of me being registered in the dates they gave me. Navient stated the school would have to call and verify which they did. but they still wouldnt remove my account. Navient has had a history of having false open accounts and have been under investigation. i opened up a suit but never heard anything back. Anytime i speak to someone and do as they say they give me another excuse and soimething else i need to do to close my account and it never closes. the school they have on file is XXXX tech in XXXX GA, i wasnt even in the state for the dates they have because i was stationed in another state in the United States XXXX.
I received a notice that my private JP Morgan Chase student loan was being moved to XXXX ( XXXX. At the time I paid my account ahead before it was moved. My first bill from AES had a XXXX balance. My second bill, slipped my mind and I paid it 3 days late ( I paid over double what I owed for the month ). My payment was due on the XXXX, and I paid on the XXXX. 

Yesterday XXXX/XXXX/15 I received a collection letter from the XXXX XXXX, in the amount of {$15.00}. 
XXXX Ref # XXXXCreditor : JP Morgan Chase Bank , N.A . 
Loan Balance : $ XXXXPast Due : $ XXXXI called Chase to verify why I received a collection letter and they said they would have to connect me to XXXX. I called XXXX and the XXXX XXXX, and was told that the collection letter that the XXXX XXXX sent was not really a collection letter, but an attempt to " reach out '' for me to make a payment and that it would not go on my bureau. 

The collection letter was actually sent on XXXX XXXX, 3 days after they had received my payment, and I was current at the time. 

I feel that this letter was an attempt to harass or scare me, which it did. I work hard to keep my credit bureau clean and this was a very distasteful way to contact me about a payment that was just 3 days late. Furthermore, I did not receive a phone call for being late, rather the collection letter was automatically sent per the agents I discussed the matter with at the collection agency and XXXX. 

My university was XXXX XXXX, in XXXX, Indiana
COINBASE BANK TRANSFER DEPOSIT I made a international bank transfert ( XXXX ) for deposit on my COINBASE account on the XX/XX/2018 
Afterwards, I have realized I have made the transfer from an unsupported country ( XXXX XXXX ) according to COINBASE website. Therefore, there was no indication to make sure the actual bank transfer is not from an unsupported country during the process of how to make a deposit on a COINBASE account. 
I have no updates from COINBASE on where is my money, if it has been credited on their account in XXXX, if the money has been send back to me, I have no deposit on my COINBASE account either. I can not use it on my account as it doesn't show any amount on it. 
I have sent 3 differents complaints on COINBASE website starting from 10 days after I made the bank transfer, and I only had pre-made replies out of subject initially, and then NO MORE REPLY ... 
I am absolutely ALONE now. 
NO one from COINBASE is trying to contact me and help me or giving me status of that situation or updates.

I have called them in USA on their Support phone number as well but NO ONE replies ... 
I don't know anymore if I will get my money back from COINBASE. 
I NEED HELP.
The credit card account ending XXXX with XXXX XXXX XXXX XXXX is the subject matter of this complaint. This account was opened around XX/XX/XXXX. Made the regular payments and the account was in good standing until the last payment made on XX/XX/XXXX. I moved to a temporary residence of XX/XX/XXXX. I tried to negotiate the past due balance but the account was charged off three months later ( XX/XX/XXXX ) and no payments can be accepted since the account was referred to a debt collection. On XX/XX/XXXX, I received a communication letter from a debt collector. On XX/XX/XXXX I sent a validation to XXXX XXXX XXXX. I did not received any respond from XXXX XXXX XXXX. The debt collector sent an account statement stating that this meet the requirements of debt validation as per FDCPA 15 USC subsection 1692g. XXXX XXXX XXXX did not meet the requirement of validating such disputing debt. No affidavits or any statements made by XXXX XXXX XXXX any validity of the disputed debt. No response from my lawful inquiries whether XXXX XXXX XXXX still have the legal right to collect any obligation to pay on my part of such charged off account as bad debt reported to IRS or if the account has been sold or transferred to a debt collector. On XX/XX/XXXX the debt collector sent me a NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COST prior XXXX XXXX XXXX lawfully and legally validating such debt. At present the debt collector filed a lawsuit against the consumer reporting the XXXX XXXX XXXX IS THE PLAINTIFF. If that 's the case I am demanding XXXX XXXX XXXX to provide a sworn affidavit that in fact they are suing me ( the  consumer ) of the subject alleged debt. And also provide ME the name of the debt collector XXXX XXXX XXXX that representing them as the PLAINTIFF.
Received a bill not itemized from Nissan Credit 60 days after turning in a lease vehicle for {$600.00}. Deduction of {$290.00} was expected, other deductions were bogus. Called and was told rear carpet of car had to be replaced, bogus, I am XXXX and no one even rides in rear, said there were XXXX other deductions but would not tell me what they were, said there were duplicates on bill. I requested a itemized bill and never received. Have tried to pay adjusted bill and 3 yrs later have never received. They reported to credit bureau as a write off. Called many times and requested a itemized bill and all I was offered was a XXXX % discount, not, would still show as write off on credit report. They would take payment over phone, not, but still would not send bill.
Issue 1 - XXXX QWR 's submitted with no response to ALL questions. The biggest factor is they are collecting Arrears and not applying any monies towards Principle and will not offer a complete accounting of arrears collected. Attached are all QWR 's and responses incomplete. 

Issue 2 - How can they collect mortgage on an inactive MIN/MERS number? MIN XXXX - Being inactive implies it was paid off. 

Issue 3 - Where is proof of service, and location of where the debt is recorded, Contents of notice, under TILA they are required to show a secured transaction between XXXX and Greentree. 

issue 4 - When a clear and complete accounting is offered it should include the rework of XXXX XXXX Post petition charges to have PMI removed an amount less {$180.00} per month. The bank still collected this money, and when the PMI refund was accounted for, this amount should have gone towards principle. 

Issue 5 - the XXXX QWR 's requested the current balance and a payoff amount. this has never been supplied. 

We could go on about proof of notice of claim transfer, proof of mailing of notice, etc.
MCM purchased debts fro m    XXXX   XXXX   XXXX   which in   XXXX   both debts were disputed for Fraud, a relative of my husband opened them without my permission. MCM bought the debts in  XXXX  and I have disputed both accounts .I provided MCM a FTC Identity Theft Report and requested them to dispute the accounts through   XXXX   XXXX     .
I am a victim of Ident  ity Theft, this debts are not mine!
Coinbase My account has been locked for over 2 months with no response for the company. Ive sent multiple help tickets and called with no response. 

Coinbase Help ticket number : XXXX
I months ago signed up for a service provided by experian for XXXX dollars designed to help Victums of I 'd theft and uphold the law. We all know that service should be free. Regardless I have submitted affidavits and police reports along with proof from their own third party. Reporting system and IRS affidavits that this info is inaccurate and related to 10 years of Id theft. They have been impossible to deal with and I was told by experian people in that department that experian does not fall under the same law that the other XXXX CRAs do and that any part of XXXX of the FACRA holds no weight. I have sent deletion letters from those creditors and still they scoff. Please see attached files and their responses.
I consolidated my federal subisidized and unsubsidized student loans in 1995 with Great Lakes. I was told at the time I consolidated and every year after that, that I was in the XXXX  and Public Service Loan forgiveness program. At the end of my 10 years of making automatic payments to Great Lakes, I was told I did not have that type of loan. I could refinance to that loan and begin paying triple what I have been making for another 10 years. I now have to go off my husband 's income. I have been paying on these loans for 13 years and still owe what I borrowed. Please help me. I will provide any documentation if you think you can hellp me.
The cfpb flagged a complaint as a duplicate. It was clearly not a duplicate. One complaint was fraud the other was a blance dispute. They waited over ten day to flag it as a duplicate. Thier customer service said they think it was flagged as a duplicate because the resolution was the same. Why are they looking in the resolution field to see if it's a duplicate, there are only a few possible resolutions, so obviously different disputes can have the same resolution. The customer service agent told me the only resolution was for me to submit a new complaint, and to put at the top that this is not a duplicate. That's great except I'm not wanting to start over from square one. I was expecting a response with in the next couple of days. I don't want to restart from scratch giving the finance company additional to resolve my issue. The least they could do is reopen the complaint without me having to submit a new one, as well as keep the original time table discussed for a response. Please see attached email for the complaint number.