WillisBack/dataset-financial-user-claim huggingface dataset:
Dear whom this may concern, I currently have choice checking account with HSBC. I received letter in the mail dated on XX/XX/XXXX saying that I need to visit local branch or call HSBC at XXXX XXXX XXXX. This letter says that HSBC need additional information to complete the records of my account even though it has already been opened since XX/XX/XXXX. The letter threatened to suspend my account or even close my account if I don't complete this by XX/XX/XXXX. 

I am unable to visit the local branch because I am traveling indefinitely. I proceed to call the number since last week numerous time. Each time I was put on hold for over an hour with no luck. 
I have tried calling other numbers such as ( XXXX ) XXXX. No one was able to respond to what this " additional information '' request is all about. I was transferred to the " right department '', but was still on hold. In multiple calls, the result was the same and I was put on hold for over an hour each time. I was told by the representative that I will be emailed back or called back, but I never heard back from anyone. I have already given every means for HSBC to contact me back including my email address, my phone number that works in the US, and another number that works while I travel in XXXX. The total time I wasted to wait for someone to respond was over 4 hours since I tried to call. 

This whole thing is unprofessional and inhumane. HSBC side could not be reached in the first place. First of all, there was nothing wrong with my account. Secondly, HSBC should be the one to try to reach me via phone and email. The act to demand me to contact the company when HSBC was never available is the worst kind of of business practice. I demand some real monetary compensation for wasting both my time and emotional energy of trying to reach you since XX/XX/XXXX until now. 

Finally After being put on hold for 45 mins on XX/XX/XXXX, someone finally answered. I was threatened by HSBC Just so they could complete basic trivial info like " how am I going to be using my bank account '' Or if " I recently graduate and where do i work. '' I demanded to speak to a supervisor, and was still put on hold as the supervisor couldn't be reached. I was told that my complaint will be filed, and I was promised that I will be contacted back. I hope this promise is true because I have yet to be compensated for this mess. 

In another separate incident, I asked one of the rep on the phone about transferring money between from my brother 's account to mine. We both owned HSBC account so we would like this to be done electronically on XX/XX/XXXX. I was advised to use the bill pay function and was guaranteed on the phone that the money will be received in 3 to 5 business days. A week passed, and I did not receive the money in my account. Instead we gave up and he had to do another separate transaction to wire the money in. It took over 3 weeks to transfer the money!!!
There are XXXX accounts on my credit report that are not mine. XXXX is for XXXX ( debt collection agency is XXXX XXXX Solutions ) and the others are XXXX medical bills from XXXX XXXX. I never did any business with XXXX so I can only assume that this is a fraudulent account or they have the wrong person. The medical bills were not my responsibility, the insurance was under my ex-husbands name, the insurance was provided for his daughter at the time of service and there were no additional co-pays or fees. I have disputed these items with the credit bureaus, however, they remain on my credit report.
I was the victim of an internet scam. Someone defrauded me out of a large sum of money. My Dillards credit card account was not in dispute. Wells Fargo shut the account down anyway. I did not request that the account be closed.
I recently found out I am a victim of Identity Theft. There have been several medical accounts opened in my name that were fraudulent. Medical Fraud. Along with some credit cards such as   XXXX   XXXX  ,  XXXX ,   XXXX   XXXX  . I have also filed an FTC Id Theft report. I have not received any medical services in question. You have 4 bus days to stop reporting and delete the accounts once you have received my documents. FCRA law, once the furnisher receives all my fraud documentation the accounts must be deleted from my reports within 4 business days. ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information
I am having some issues on my credit report. I have inaccurate information showing My name is XXXX XXXX XXXX. my DOB is XX/XX/XXXX. My currnt and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. My phone number is ( XXXX ) XXXX. My current employer is XXXX XXXX XXXX. 
The following addresses are not mine please delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX The following phone number are not mines : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
XXXX transferred my mortgage account to Seterus ( Servicer ) a few years ago and Seterus and XXXX have continued to report inaccurate information ( Delinquency ) to the XXXX major credit reporting agency. Seterus has insisted that my last late payment was in XX/XX/XXXX and that information is not correct. My last payment was made to XXXX back in XX/XX/XXXX while trying to work out a modification plan with XXXX that eventually did no work out. I will submit copies of my personal checks of my last 4 payment that were drawn through my routing number and clearly shows the date/time of my last payment to XXXX. Can you please pass the correct information to Seterus/XXXX so that in turn they can report accurate information to all XXXX credit reporting agencies. It has been over 7 years since my last payment to Seterus/XXXX which makes it illegal to report a late payment over 7 years old. Thank you so much, Your attention to this matter is greatly appreciated.
I was first called on XXXX. They called from XXXX and left a message asking me to return a call to XXXX. They left a threatening message on my voice mail stating that the " processor will require 2 forms of ID and will serve me at my place of employment and will present to my supervisor if I am not present. '' They contacted me on my cell phone, my home phone and I 'm fairly certain they called my neighbor and left a message ( she is also a relative ). 

I called them back today, XX/XX/XXXX, after repeated calls. They answered as " XXXX ''. I asked them for their name and address and was given " XXXX XXXX XXXX '' although previously they said they were XXXX XXXX. The address they gave me was just a street address of XXXX XXXX XXXX. I asked if they had already sent a validation letter to the debtor and they stated yes. This is false - nothing has been received. 

I then asked them to provide the name and address of the debtor and they proceeded to ask if I was " XXXX XXXX ''. I stated I would not provide any info about myself without verifying who they were. 

I then asked for the last 4 of the social security of the debtor they were trying to reach. They gave it to me which was the final red flag that they were a scammer as a legitimate collector would not answer this. Incidentally they did have the last four of my social. I told them that I knew they were a scammer and hung up. 

I have no outstanding debts that are not current and any " payday loans '' I had were discharged in a bankruptcy.
The lender calls repeatedly each day although I have discussed the reasons I can not presently pay the loan.
I WAS AFFECTED BY THE EQUIFAX SECURITY BREACH AND ALSO A VICTIM OF IDENTITY THEFT. THE COLLECTION AGENCY IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... .COLLECTING FOR XXXX XXXX XXXX THIS IS WHAT I AM SEEING ON MY CREDIT REPORT. I REACHED OUT TO EQUIFAX ON THIS ISSUE AND THEY REMOVED IT AND BLOCKED THE COMPANY. I GET A LETTER XX/XX/18 FROM EQUIFAX STATING THEY VERIFIED THE COLLECTION AND PUT IT BACK ON MY REPORT. QUIT NATURALLY THE COMPANY WILL SAY ITS MINE BECAUSE MY INFORMATION MUST HAVE BEEN USED BY FRAUD..EQUIFAX GOT SOME NERVE AFTER ALL THEY HAVE PUT US CONSUMERS THRU LETTING MILLIONS INFORMATION GET STOLEN. THE AMOUNT OWED IS {$260.00}. I HAVE WRITTEN TO THE AGENCY AND ADVISED THE ACCOUNT S FRAUD, I HAVE NOT GOTTEN A RESPONSE THAT HAS BEEN MONTHS, AND ALSO CALLED THE AGENCY AND THE COMPANY THEY ARE COLLECTING FOR NO RESOLUTION BECAUSE THE REPS WERE SO RUDE, SO I ENDED THE CALL..EQUIFAX IS RESPONSIBLE AND NOW THEY WONT FIX IT
Choice recovery is on my credit report for medical debt that i have no idea where from. One balance is {$400.00} and one is {$570.00}. I can not pay either in full but can negotiate and pay XXXX  % of each one,  totaling {$530.00}, to settle both balances.
I actually went to XXXX XXXX XXXX XXXX and XXXX in XXXX, FL, which was not listed on your site and I can only assume that they have since gone out of business. I'm currently in good standing with all of my loans through Navient and have been enrolled in the income based repayment plan. 
I believe I was grossly misled in the strategies of the loan repayment. Here are the facts. 
I was told that I would have affordable payments after graduation. I took the initiative and did not have a cosigner. I am a responsible adult with an excellent credit score. However, I feel like I'm being XXXX   here and I want to shed some light on this situation. 

In XXXX I borrowed {$27000.00} from XXXX XXXXNavient to finance my education. 

Since graduation, I have paid back {$35000.00} My outstanding balance is now {$37000.00} These are just my private loans and do not include my federal loans. 

I am one of millions. 

Please tell me that something is being done on behalf of the millions of people who are struggling with this debt issue. Everything is on hold, including buying homes, investing in businesses ... 

This is criminal. It's predatory lending. I went to school for XXXX. I am working in the field of XXXX. I have been working in the field of XXXX for a decade. I have been paying my student loans and getting no where. I currently pay {$420.00} per month to Navient and XXXX on my federal loans per month. This is insanity. I wanted a good education. I am now drowning and see no way out of this debt. Any advice would be great. Yes, my federal loans are enrolled in the PSLF so please do not send me another pdf on this information. This complaint is directly geared to XXXX XXXX/Navient and I think I am owed an explanation along with millions of other students who are buried in debt across the country.
I sent my entire insurance proceeds of ( {$75000.00} ) to Select Portfolio Servicing on XXXX-XXXX-17.

90 days now and the funds have not been credited to my account! 
Meanwhile they have added expensive homeowners insurance to my burned up home! It cost triple to the policy I had prior to the fire! 
Last night & nearly every night I get a threatening phone call from SPS. This time after 21 minutes of XXXX, I told the guy ... 
Go ahead with your foreclosure plans, SPS is going to look pretty XXXX foreclosing on a paid mortgage! 
Since the fire {$78000.00} has been received by SPS towards my mortgage. 
They have me showing in default while sitting on the {$75000.00}, thus the collection calls!
I am writing to file a Complaint that the following information that Experian XXXX and XXXX have on my credit report1 ) XXXX has re added this account back to my credit report XXXX XXXX XXXX XXXX XXXX, XXXX Showing that it was past due for 30 Days only once back in XX/XX/XXXX and no payment history after that - this account is showing as a positive account on my Experian and XXXX account -- I HAVE TALKED TO XXXX ON GETTING THIS DELETED AND RESOLVED IN THE PAST AND IT WAS DELETED ANDKNOW IS BACK AGAIN ON MY XXXX REPORT ONLY ... 
2 ) XXXX Experian XXXX XXXX Credit Card charge off account - settled in fullBack in XX/XX/XXXX during the purchasing of my house there was a Charge off Account on my credit report from XXXX XXXX Account Ending in XXXX that was settledMy Broker from XXXX XXXX / XXXX XXXX and me XXXX XXXX - to see whether it was settle or not- we did - and they even got a hold of XXXX XXXX - and they ( XXXX XXXX ) stated that I had satisfied the debt - XXXX representative stated that he would consider making a goodwill adjustment to the credit reporting bureaus on our closed accounts and agreed to have this charge of deleted of my Credit Report as well as inform the other XXXX major Credit REPORTING AGENCIES TO REMOVED THIS CHARGE OFF - XXXX -Did there part however is still showing on my Credit report from XXXX and Experian3 ) XXXX XXXX Experian I 'm distressed that the XXXX major Credit burrow have included the below information in my credit profile as derogatoryXXXX XXXX XXXX XXXX -This item is inaccurate because for one me and my Brother went to XXXX XXXX back and opened an account WITH THE BANK So that the mortgage payment can be taken out automatically. They never send me out monthly statements - and when I received the phone call that the Payment was missed I advised the representative about my auto pay - she said she dint know what had happened and assured me that this was not going to affect my credit. I dont understand why there is a derogatory mark again for XXXX of XXXX on my Experian, XXXX ... but nothing on my XXXX -- - I 'm beyond XXXX ) XXXX - XXXX Experian -XXXX XXXX Card ending in XXXX When I pulled my credit report, and discovered that a late payment was reported on XXXX And XXXX of XXXX that time, I Was going through a financial Hardship - I had spoken to XXXX XXXX -- and they placed me on hardship plan - I was advised that this was not going to affect my credit report - which it did - they advised me to contact and dispute the information with the XXXX major Credit Burrows XXXX Witch I Did -I realize I made a mistake in falling behind, but up until that point, my payment history with them had been spotless. When I was able to get back on my feet, I quickly resumed paying my Bills and you can see that - let me reinstate - XXXX XXXX Assured me that this was not going to affect my credit.
Experian and XXXX are reporting me as 120 and 180 days past due XXXX XXXX  account that has a {$0.00} balance and {$0.00} past due. This is harming my credit score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amount. 

I have listed the account number for reference : XXXX
XXXX XXXX XXXX XXXX ( XXXX ) is violating the Fair Debt Collection Practices Act ( FDCPA ) by reporting collection account # XXXX without debt validation.
Healthcare Receivables Group constantly harrasses me. They call repeatedly from different area codes and continue to send mail to addresses that I have not provided them with.I have continued ton dispute with this company and requested that they not contact me. The state of North Carolina also requires collection agencies to be licensed and active in order to operate in our state. Healthcare Recievables Group is currently SUSPENDED in North Carolina with the Secretary of State and accounts listed on my credit report in the amounts of {$1400.00}, {$730.00}, {$310.00} and {$60.00} should therefore be removed from all credit bureau agencies immediately due to the non active status.
XXXX  is stating that I owe credit protection {$370.00}. XXXX and XXXX has confirmed that the collection is not mine and has removed it from my credit score, however XXXX is still holding on to the collection for some reason. Is there anyway this collection can be removed from my credit report? Southern mgt. is stating that I owe them XXXX as well, however XXXX, XXXX, and XXXX  has confirmed that the address associated with the collection does not belong to me, however the collection is still showing up on my credit report can this collection be removed from my credit reports? Please if you can help me in anyway possible it would be greatly appreciated. Thank you so much, I appreciate any help you can provide me.
My name is XXXX XXXX and I am currently a co signer on my sons loan with XXXX account number XXXX. My Son XXXX XXXX was running late on the payment and I was never notified of this until my score dropped 80 points. XXXX had all my loan information and never contacted me either by phone or mail. When I asked why I was n't contacted they said they did n't have my information from my application. I feel this is unfair and untrue I had filled out all my currant information during the loan process. If they did n't fill it out I feel this is unfair as I am a loan signer and would like to be notified if my son was having financial difficulty. I have a perfect history and never has my son or I ever been late on any payment in the past. This has ruined my ability to obtain a car loan. I have spoke with managers and no one will even give me the time of day. They said they do n't have the ability to remove from my credit report which is not true. I feel they are being dishonest. I do know they have the ability to do a courtesy removal. I could see if we or my son had a history of late payments, but that not the case. I 'm almost feeling they are discriminating as all four people were XXXX XXXX. I am a XXXX women. They did n't seem interesting in helping me. I feel they were being deceptive as well as eager to allow my life being ruined. I would like them to provide a courtesy removal as we both have had perfect credit history. Its almost like they are trying to set us up for failure. All employees were short with me and not willing to work with me. I feel this is unfair. Please help as this has harmed my ability to optain a car loan in the future.
This is a formal complaint regarding the wrongful re-instatement reporting of a collection for XXXX XXXX XXXX initiated by the following 3 agencies XXXX Credit reporting agency XXXX. XXXX XXXX XXXX, GA XXXX Experian credit reporting agency XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, WI XXXX This XX/XX/XXXX I discovered ( negative credit item and account number ) had been re-inserted into my credit file. They are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. <P/>XXXX had removed the collection from my Credit Reports on XX/XX/XXXX In XXXX of XXXX ( 2 YEARS LATER ) I was notified by my credit monitoring service that this same collection was re-added to my Experian and XXXX Credit reports. <P/>I was not notified of the reporting being reinstated over the 2 year period by any party at any time as per the FRCA requirement Cited below :
My lender refuses to apply payments to principal rather than to interest even when I gave explicit instructions to do so. The loan is not currently in repayment, so the payment of {$2000.00} was well over any minimum due ( which is XXXX ). Below you can see their response, and, below that, my original payment instructions. It is also strange that they say they were required to apply the payment to interest when the payment was n't even scheduled to happen for another week. I have since cancelled the payment until I figure out if they really are allowed to do this. Thank you for your help. 

Their reply and my instructions : " Dear [ NAME ], Thank you for your inquiry regarding applying a payment to principal. 

Please accept our apologies for the confusion and inconvenience you have faced with your account. Please be advised your student loans are simple daily interest loans, meaning interest accrues on a daily basis, even if the account is paid ahead, based on the formula, Principal x Interest / XXXX = daily accrued interest. When a payment is received it must first be applied to any outstanding late fees, then any interest that has accrued, and then finally to principal. 

Unfortunately, we were required to apply all of your payment to interest. Please accept our apologies for the inconvenience this causes. 

If we may be of further assistance, please visit our website at Navient.com. Or, you 're welcome to call us toll free at XXXX. We 're here to help you Monday through Thursday, XXXX XXXX. to XXXX XXXX., and Friday XXXX XXXX. to XXXX XXXX XXXX. 

Sincerely, XXXX, Your Navient Email Representative -- Original Message -- From : [ EMAIL ] Date : XXXX/XXXX/2016 XXXX PM To : XXXXXXXXXXXX Subject : Special instructions for payment Account No : XXXX Borrower XXXX Dear Navient, These are instructions for how to apply my loan payments : Please apply payments to the principal when at all possible. For example, I will soon pay {$2000.00} toward my loan [ XX ] online, and I would like the {$2000.00} to lower loan [ XX ] 's principal from {$12000.00} to {$10000.00}. Thank you, [ NAME ] ''
LVNV funding has been re aging a collection account, which is causing me a financial hardship and purposely defaming my financial history as well as, purposely causing my score to decrease. LVNV deletes the account from the credit reporting agencies then adds the collection account as if it is a new one. Directly causing my score to go down. A direct violation of my rights according  to FTC.
I recently had an offer accepted on a house and started the mortgage process. The house is in historic XXXX XXXX. in PA, and was originally a bank barn that was later converted into a house. I chose PennyMac for my mortgage process since I was already an existing customer. After accepting an offer on my current home and after PennyMac received the appraisal on the new home, they denied my mortgage application because, even though there was an appraised value, it was " not the type of home XXXX deals with. '' They later said that the reason was because it was labeled as an " earth berm home '' and that I 'd have trouble getting a loan from anyone that deals with Fannie Mae. 

I researched the issue at XXXX 's website and found the exact opposite to be true. They do not have any issue with berm homes so long as there is an adequately appraised value. After contacting PennyMac again, I was told that they misspoke and meant to say that it was a PennyMac overlay and not a XXXX guideline. 

I asked to speak to a supervisor at this point, and on the phone, I was told that it had nothing to do with the fact that it was labeled as a berm home, but rather that the appraisal was full of language stating that the property was so unique that it would be difficult to sell in the future. Living in the area, I know this is a poor assessment. At this point, I still do not have my appraisal documentation so I can not verify the actual language used that is in question. 

Following that phone conversation, I then received my official mortgage denial letter. The reason stated was, again, that the house was a " berm home '' and did not meet " page XXXX '' of XXXX 's guidelines. 

The reason for my mortgage denial, I feel, is being sorely misrepresented. They have given me wildly incorrect information that had a great potential for ending my attempts to purchase this home had I not done due diligence in verifying their claims. I am currently working with a new mortgage broker to try and salvage the attempt to purchase my new home.