WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX XXXX XXXX came to XXXX Florida and we were without power in our home for 11 days. My husband was without work for 3 weeks. My husband is a XXXX XXXX   employee in the car business. We called Caliber home loans immediately following the disaster and applied for a 3 month forebenace with the understanding that the payments would be deferred to the end of the loan. The representative advised that we would need to sign the documentation to modify our loan and send it back. I never received the documentations and would call caliber almost every week. When I called at the beginning of XXXX I called to make a payment as usual and they advised that I didnt need to make a payment until XX/XX/XXXX since I was approved for the modification. Keep in mind I havent signed anything yet. On XX/XX/XXXX I called Caliber and told them I still have not recieved the documentations. The Mail came that very same day and finally I received the papers. When I read the documents it stated that it was due on XX/XX/XXXX!!! I literally was on the phone with them and it recorded that I just had recieved it. I quickly went to XXXX XXXX and scanned and emailed the requested documents to Caliber Home loans and I CC my husband on it for his reference. I called back on XX/XX/XXXX just to follow up on the email. They advised that they never received my documents therefore FHA revoked their offer. I was very upset and I felt cheated. Since XX/XX/XXXX I call caliber everyday and one of their representatives ID # XXXX said she sees that the email on the documents was a correct email address but not the correct email for the modification department where all the emails and letters needed to be sent. How was that my FAULT!!!. The representative then told me to send her proof of sent email and the cc to my husband showing receipt of email. I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to have the same response each time ( that the offer is still revoked ). On Saturday XX/XX/XXXX I received a letter stating that if I do not come current with my loan I am in lieu of foreclosure. I really need help in this matter. I have XXXX kids and I do not work my husband is the sole provider of this family and we feel that Caliber home loans did not handle our acct fairly.
My student loans were sent to a collection agency, I got into a repayment plan 4 months ago. I have been paying them on time and every month. They said that after the 3rd payment they will report it to credit bureau as paying and take it out of collections. This has been moving my score up and down. They told me to consolidate the loan which i did, it is showing up repeated times which are errors. I am tired of calling them and they give me the run around. I have been patient with them, but my patience are running out. I am trying to obtain a car and these late remarks and acct discrepancies are making it difficult to obtain any sort of acct. 
I contacted the XXXX XXXX XXXX XX/XX/XXXX to start the payment plan we are on XX/XX/XXXX and yet still haven't reported my credit file as paying or updated any status on it becoming positive.
I am visually impaired student and their information to have my loans to be discharged I must be in a XXXX and or about to XXXX from my XXXX. That is what the customer service representative told me. I was so frustrated I hung up on them. My loan servicer is Nelnet. I have been calling them for the past month and they are not helping me. I can work but I am having trouble finding a job. Right now I am in school trying to figure out how to get the loan paid off before my parents find out. When I talked to the people who deal with the discharge they told me to go to the doctor and have them fill out a section about my XXXX and they thought that my XXXX just happened and it did not happen right away it happened since I was born.
i am victim of creditors and attorneys, due to sudden XXXX of my husband Mr XXXX XXXX with XXXX XXXX, i end up with XXXX XXXX so my family went into disaster of life. 
i defoulted into late payments for mortgage, we owed bank very small amount of money compare to loan we took, i payed them regularly until husband XXXX.i got sick, bank forclosed and auctioned the house, i begged and pleaded the forclosure attorney to give me three days to get money out of my 401 k to pay off remaining loan balance they told me someone will contact me next day, no one called me back when i called them next day they would not take my call, later following day for closure attorney said your house is allready auctioned you have to get out of the house.bank used up 18 yrs of equity i had in the house,18 yrs of payments,XXXX dollar down payments from saving, all went away. 
now i cant have any decent home for my family, i am thrown into creditors and credit repairs and collection agencies, this is the dream of american family, we buy houses we pay mortgages when hard time come or husband XXXX, then family get thrown out and loose everything, except loosing bad credit, bad credit is labelled on me now, after loosing everything ... ..
On XX/XX/XXXXthere were two hard credit inquiries. 
One for XXXX XXXX One Another for a XXXX card. 
That was not me I lost my social and Id about a month ago I didnt put a freeze on my crediybecause I figured I would find them.
Checking account was charged XXXX Overdraft fees, I believe only one should be charged due to an oversight on my end. I called Bank of America and explained that when the ACH ( Transaction 1 ) posted the statement balance was {$2.00}, however they stated that due to pending XXXX transactions the available balance was - {$7.00} and that is why the fee was charged. Problems with this ... 1 ) they blatantly admitted they do not have a de minimis for overdraft charges and that even if an account was overdrawn XXXX cents, they would charge a fee. 2 ) the POS transactions had not actually posted and may never post due to other circumstances, however they are basing fees on these dollar amounts. 3 ) They wanted to charge the XXXX ACH transactions an overdraft fee because we do not " opt in '' to Regulation E Overdraft charges, they would have been unable to charge on the pending POS charges. 
Bank of America banks XXXX customers nationwide and use these practices daily across the board. These unfair and deceptive practices must cease before they continue to harm innocent consumers. 
Each time a phone representative explained their overdraft process to me, I asked to speak to a manager. The final manager would not even get on the phone with me. I had to explain the situation to her subordinate as her subordinate typed the information to her. I persevered and finally had the erroneous {$35.00} OD fee refunded but the phone representative made it very clear that the overdraft was my fault and they stand by their process of paying and charging overdrafts.
I called to find out why i my score went down i have always had excellent credit so this really up setting i worked really really hard to keep my credit in really good standing  I was looking on my credit report and saw that XXXX XXXX credit card made my score go down and i spoke to them and they assured me they would make sure that i my score would NOT BE   affected that was not the case  because i never received statement in the mail i have never been late  late and this was during a hurricane Irma i did not receive any  statement i called to inquire and said it was 30-49  day late however i never received any statement so i am disputing this Payment XXXX 2017 never received statement and the dinged my credit i was paid off in full after i received my statement but they sill affected my credit which was not fair I do not recommend cit-bank credit cards they are not reasonable or friendly and they assured me they would correct this and they never did ..
I took out an loan with Bay Country Finance and I don't think that I should be given the loan because I am still making car payments with my car company. I have fell back on my car payments because I am trying to pay off this title which they keep applying interest to and they are not very understanding. They are ripping people off.
I recently noticed a collection company reporting on my credit. I have never received a notice regarding this nor do I know what it is. Midwest Recovery System is reporting on my credit for original creditor XXXX XXXX XXXX?? I am unaware of either of these companies. 
It is from XX/XX/2011 which, for one is past the statute of limitations. For two,  how can they just report on my credit without first sending notice and this isn't mine!
My vehicle was repossessed on XXXX XXXX, 2015. I do n't think it 's fair that the lender can repossess my vehicle as collateral and still earn money as a result of a deficiency. The only compensation should be the collateral and not both the collateral and deficiency. I have also left messages for the company that repossessed my vehicle to allow me to come and get my personal property and they have not returned any of my telephone calls. Consumers should not be treated in such a disrespectful manner.
I received a bill from the hospital and it was due on XX/XX/XXXX. Before I had the chance to pay it, the hospital sent it to a collection agency, FMA Alliance , Ltd., on the day it was due XX/XX/XXXX. I called the hospital on XX/XX/XXXX and paid off the bill and was assured that it would be recalled from collections since it should never have been sent in the first place, I was told it must have been a " glitch '' in the hospital 's computer system. On XX/XX/XXXX IXX/XX/XXXX received a letter from the collection agency stating I still owed the payment of XXXX. I explained that it was paid in full to the hospital but that did not matter. I was told that I still had to pay the collection agency, FMA, as they were not notified it was paid. On XX/XX/XXXX I contact the hospital and explain, they say they will contact  the collection agency, FMA. Called FMA back to make sure it was taken care of, was told it would not be cleared until they received payment I gave to hospital. Tried to work with hospital, they treated me like I never paid and was lying. Collection agency just threatens to put on my credit while demanding payment. Said they will continue to contact me until they receive payment from me or hospital. Hospital said they do not take the payment from me to send to collection agency. So not only did hospital send it to FMA in error, now that it is paid in full, FMA still wants the same payment. Hospital 's solution, just ignore them.
I am currently on a plan to get my student loans out of default. Originally I was told {$37.00} a month which I can afford. Now, Im being told I have to pay {$220.00} a month because I make a lot of money. I explained to the man, Im the only means of income coming into this house and I have a XXXX year old son and a baby on the way! I explained that I CAN NOT afford this and he said I need to at least pay this once before we can try to lower it. Action financial service is the name of the company. I read I have the option to pay less without being penalized but he said otherwise. Please help!
TODAYS DATE:XX/XX/2018 XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX  Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX.XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX  ),  and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 




XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
I am for some reason getting numorous bogus debt collection calls. Today I got a call from a company called EOS a revording played and said to call XXXX - because no one in this household has any debts - I called immediately and was asked for personal information to pull up my account. I demanded information on the company calling me and what purported debt they were collecting. I was told it was " EOS '' debt collection. When I demanded more information about the caller and company, the young woman on the phone hung up. I have been getting numerous similar calls. No one in this household has any debts, as soon as I chalkenge a caller and adk for information, these callers hang up. Pleas investigate.
I have contacted CFPB a number of times.Regarding inaccurate information being reported to all 3 Credit Bureaus ( XXXX, Equifax, XXXX ) .The CFPB is supposed to protect me the consumer.When receiving a complaint from a consumer.The furnisher has to show verification, and validation. To back up there accurate account of disputes. A violation of the FCRA occurs under section 623 ( a ) ( 1 ) if it is shown that a party reported information what was knowingly inaccurate.In any dispute, the furnisher of the information can either verify the accuracy of what they have reported, or correct the inaccuracy should they agree that it is currently inaccurate. To the extent that the CRA considers a response to a dispute to be a date of last activity, that is not a substantive issue, and not a violation of the FCRA.
As a part of XXXX, I am trying to get my required one free copy of my credit report from all 3 companies through the XXXX which is the federally recognized site for such a free copy once per year. HOWEVER, 1 ) TransUnion is not available as an option, it is grayed out so it cant even be checked. 2 ) XXXX makes you fill the entire form out, answer your security questions and then upon verification REFUSES to provide the free report online but is making you mail in your request with all kinds of additional documentation. 3 )  XXXX - after filling out the required form, I am sent to XXXX 's website to obtain the free report, however, the page is gray with the word " loading ... '' on it but after 5 minutes, and repeat attempts, it never gets past this page ... .YET IF I GO THROUGH XXXX XXXX PAID OPTION and pay the initial monthly {$5.00} fee ( {$25.00} every month thereafter if you forget to cancel ), somehow, magically, I am able to get my credit report from XXXX and the other 2 .... WHAT THE XXXX GUYS! THIS IS INSANITY AND EXTORTION. PLEASE HELP US CONSUMERS FIX THIS AND HOLD THESE COMPANIES FEET TO THE FIRE, THIS IS NOT OKAY.
I have been trying to pay the balance down by paying extra on each payment and sending in a small amount in addition to that. The company is not applying the extra to my principal balance - despite the fact that I am current. When I asked about it they gave me some ridiculous line about the simple interest calculation. It sounds like a corrupt practice and is definitely causing me harm. Additionally, they are not providing me regular statements, sometimes going months between statements ( no XX/XX/XXXX statement ever produced or received, no statements in XX/XX/XXXX or XX/XX/XXXX ) Here 's what they told me : Account : XXXX Thank you for contacting Firstmark Services. 
The interest on your student loan ( s ) is calculated using the daily simple interest method. Your interest accrues at a daily rate based on the principal balance and interest rate of your loan ( s ). 
To calculate how much interest has accrued on your account since your last payment, do the following : 1 ) Multiply the principal balance by the interest rate ( i.e. {$10000.00} x XXXX = {$800.00} ). 
2 ) Divide this amount by XXXX, which is the number of days per year ( i.e. {$800.00} / XXXX = {$2.00} ). 
3 ) Multiply the daily rate by the number of days since your last payment ( i.e. {$2.00} x XXXX = {$10.00} ). 
4 ) This is the amount of interest that has accrued on your account. 
Please note that when a payment is received, it is first applied to any fees ( if applicable ), then to accrued interest, and finally to principal. 
Your previous payment was received XX/XX/XXXX, and your most recent payment was received XX/XX/XXXX. Since 23 days elapsed between payments, {$410.00} of your payment was applied to interest. 
We appreciate the opportunity to serve you as a valued customer. If you have any other questions, please respond to this e-mail or visit our website at XXXX. 
Sincerely, Firstmark Customer Service
I am aware there was a glitch that was TransUnion 's problem, not mines, that caused my inquires to be deleted. TransUnion later added them back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with XXXX on XXXX XXXX, 2017 at XXXX-XXXX. These inquiries add a hardship and my rights were violated by TransUnion.
On XX/XX/XXXX I called bank of America and was told they could only refund 1 overdraft fee. In the past if I wanted any of the fees refunded they would comply.
I have been a victim of a fraud and identity theft. The transactions were unauthorized and JP Morgan refuses to refund my own money. 

My Chase Atm card was used it in my name for the amount {$9300.00} without my authorization or consent. When I realized I called Chase immediately and open a claim with the Fraud Department. In the letter they sent me they said I authorized the transactions. I never authorized the transactions, gave the pin or join the account with the suspect or individual that did this federal crime. I went to the XXXX police department and filed a police report and when the report was ready I sent a certified mail to Chase with a return receipt and on all my communication with them, they refused to refund my stolen funds. 

I explained I was a victim of fraud and I asked the bank to open the claim, investigate and prosecute the individual who stole my funds. I want to solve this with the bank before I take further action. I 'm already in communication with any organization that can help me, again I have been victimized by this theft. The funds were taking from my account generating high fees when I thought my money was secure with Chase that did n't act in my best interest protecting my money or sending any message about suspicious activity in my account and they did n't flag my account for suspicious activity once the cash withdrawal commenced. I informed the bank immediately within the XXXX business notification window. 

I have two police reports. The police already know the name of the suspect. This is a federal crime in which I have been a victim of Identity Theft and Fraud and should be prosecuted by the law and my money should be refunded immediately before I go to media. 

I informed the FBI, the State Attorney and all the organizations that can help me to get my money back. I want justice and the person who did it to be in jail. 

Chase is giving all the excuses not to refund my stolen and unauthorized transactions and the fees. This money was transferred by Chase without my authorization to my checking account and put it to the disposition of the scammer. Chase did n't flag my account even when these transactions were unusual. 

This is a federal crime that should be prosecuted it and I do n't have to pay for this criminal action against me.
ACS sent me a XXXX which I do not recall when I received it. Around the XX/XX/XXXX I received a letter from the IRS saying that I owed {$890.00} in taxes from my XXXX taxes due to the XXXX. I had spoke to our tax lady and she said that I needed to find out why I received the XXXX. That ACS must have filed the wrong paperwork. Within a two days I located the XXXX and called ACS. On the phone the lady said, " We knew that the IRS would think that we sent you a check for {$3000.00} and we were waiting for you to get paperwork so you could send it to us. '' I said something like I do n't understand, this does n't seem right. She explained that in XXXX of XXXX there was an audit on my account and they lowered my principle balance by {$3000.00} and that is what the XXXX is for. She said, " When you send us the paperwork we will send you a check. '' I restated that this does n't seem right. How can I pay taxes on money I did n't get. She said that is just how they do things. I said that It 's not right and then asked if they were going to just pay the taxes or send a check for the full amount. She said, " No, the check will be for the whole amount. '' I said, " So you are sending me a check for over {$3000.00}. '' She said, " Yes, for {$3000.00}. '' I again said this does n't make any sense. Within a couple days I emailed a copy of the IRS papers showing what we owed for taxes. On XX/XX/XXXX I called to find out what was going on. It was a different lady on the phone. She looked up the records and said, " A check was cut for {$890.00} and yesterday. '' I explained to her the conversation that I had with the first lady. This lady said no, I am sorry that you were told that. We just pay the taxes. I questioned how it was right to pay taxes on money that I did not receive. She said that is how we do things. I again stated that this is not right. I received a check on the XXXX XXXX for {$890.00}. This did not cover all that it cost me to fix this issue. There were fees from the IRS for paying with a credit card. I felt I had to pay it with a credit card so that there would not be any additional late charges. I am wondering what kind of tax relief or break they received from IRS to be able to do this.
We applied for a refinancing loan for our home in XXXX 2015. When we applied for this loan, we paid for the home inspection fee which cost us about {$520.00} in XXXX 2015. In XXXX 2015, they have made us to do to pay XXXX home inspection, additional {$520.00}, promising that this fee will be refunded at the closing and the loan is almost to be closed. As of now, after XXXX months the loan is still in process and the underwriting is requesting more information. We have XXXX credit scores with very strong financials.