WillisBack/dataset-financial-user-claim huggingface dataset:
I filed an insurance claim to my insurance company for damage. They issued me a check written to me and my mortgage company. I signed the check and sent it overnite express to the mortgage company. They re received the check XXXX/XXXX/2016 they never said what other information they would need. The only way I found out anything was by calling to make sure they received the check and asked how long before they would be sending me they money. That is when I was informed about all the different documents they needed before they would issue me any money. Mind you the documents they needed were not anything I was familiar with so I had to keep calling them to make sure I was sending the correct items. Every time I called I had to go through customer service and give my account number my name the property address and last XXXX of my social and my home phone and cell phone number before I could ask any questions. Each time I was connected to a different person. I was told so many different answers. 
Each person would tell me something they needed in addition to the I items I already sent. Other calls I was told they never received the items so I would have to fax the papers again. I faxed over to them 3 times the contractors list. Also 3 times the adjusters itemized list. Also the XXXX. They never once contacted me to say they have not received any of of my faxes. I would only find out when I called. I would be told yes we received it, I would call back in 2 days to see if the check has been released nd would be told no because we still need the contractors list. 
Even though I was told by another individual days prior that they had everything they needed. Each time they received any paperwork from I was told it would take 7-10 business days to review it. In 10 days I will be on the street with my XXXX dogs and my daughter looking for a place to sleep because my insurance will not pay any more housing for me. 
I do not have money for hotel stay for us and our dogs. This entire situation with the mortgage company has made me so ill. I stress all the time. My daughter is XXXX years old and has made her worry that we will not have a place to live when she starts school. My contactor has mentioned passing on my home because he has passed a couple of jobs up because we keep anticipating my job starting. I feel they are using my money for their gain and the employees they have are very incompetent I need my money now. I am the one who pays the insur ance not them.
When I went to the XXXX sometime this year for my medical purposes I used Western Union to send funds to myself. Long story short XXXX/XXXX/2016 I made an online transaction sending {$2500.00} for myself and suppose to be picked up at XXXX on the brach in the XXXX. Got an confirmation email from Western Union providing the MTCN #, that the money was sent and it will be ready to be picked up on XXXX/XXXX/2016. So I went to the branch on XXXX/XXXX/2016 and tried claiming the funds? For some unidentified reason they did n't release the funds. They made me sit there for hours and talked to the agents over the phone to see and find out what was the issue. 

I spoke to some of the agents but it seems that they did n't know what to do or tell me that time. I got so frustrated not being to able to get my funds and that really put me on a lot of XXXX and end up having XXXX of my XXXX. Spent so much money on long distance calls but it got never resolved when I was in the XXXX. I needed some funds that time to start my medical treatment. Since i didnt get any funds yet I had to rescheduled all my doctors appointments even my flight had to be cancelled and bought a new plane ticket. It was a huge setback for me XXXX with my condition. 

I believe that Western Union should be the one who 's responsible for this negligence. I used their service numerously and I am much aware of their policy in any circumstances. 
Instead of getting all mad and upset I told myself that I should deal with my medical condition first before anything. 

So when I finally had the chance I contacted Western Union to resolved this problem. XXXX/XXXX/16 I spoke to XXXX of the agent and explained what had happened she resolved and came up with a conclusion by telling me that I was due for a refund and will get a check in amount of {$2500.00} within XXXX10 business days in the mail. Waited almost 2 weeks no check arrived. So I finally called him again this time around they said I will follow up and I should be getting a phone call from XXXX XXXX of the senior supervisor but I did n't receive any phone call or whatsoever. Called couple of times they said the same exact thing that I will receive the check between XXXX business. As I kept following it up things that I was told from the beginning suddenly started to changed. I will stop my story from there because the story went on and on and on. Spoke to at least XXXX to XXXX different agents but nobody seems to have to knowledge or the proper training to resolved this problem. I wish that this get resolved soon as possible and all I expect really is to get what I really deserved.
I applied for a Citicard, they denied it because I refused to give them certain further information and now they are sending me credit are statements and wont let me close the account even though I have tried 5 times.
When I opened the joint account that, we were misleading by the Citizens Bank   XXXX   that we will not get charge any fees on both Checking and Savings account, but unfortunately they charge us every month. {$9.00}, and {$3.00} on our checking alone every month and {$4.00} and {$2.00} on our Savings which the did n't told us from the beginning. They used our money to invest to make money and charge us again on top of it. We want our money back the they said when we were opening the account. Please, i need your help to get all our money back. Thank you
On XX/XX/2018 at XXXX, I spoke to a Sallie Mae employee ( who, at some point, decided to brag about how his cosigner was " dead '' and that his loans were " taken care of '' ) to inquire about my loans. This employee went on to lie to me and tell me that I could fill out a " volunteer deferment form '' ( which, in name, does not exist ) or an " in-school deferment form '' ( which does not exist for medical leave students ) in order to have my loan payments deferred before I go back to school this fall. 

I received call ( s ) every single day which did not help my XXXX at all given that I would often be on hold for over 40 minutes. At some point I even uploaded my medical leave confirmation papers and two agents told me both document files ( all 17 + 1 = 18 pages ) were never received which was also probably a lie. 

Since that phone call I have had at least 4 other Sallie Mae employees ( including my supposed " case manager '' in Delaware ) be dishonest with me about what Sallie Mae could possibly offer me regarding temporary assistance in deferment.  Additionally, they would often remark about how soon they could take legal action against me and ruin my credit score even further for up to 7 years. All the while, my credit score /has/ plummeted 250+ points with no recourse because of Sallie Mae. 

I have probably spent over 7 hours on the phone with agents from Sallie Mae in  order to resolve this issue and out of it I have received nothing but abysmal credit reports and snark for trying to advocate for it.
I Will be uploading supporting documents from my bank XXXX XXXX XXXX XXXX that my credit card account is open not close or transfered.
I 've been monitoring my credit report online for years. I check my report everyday. On XXXX/XXXX/XXXX, I receive an email stated a new account has been added to my credit report. I check my account and notice the information that is being reported stated that the account was first reported in XXXX XXXX by XXXX XXXX XXXX XXXX Needless to say, this is my first time seeing this account on my report as perviously stated, I check my account everyday. I called and was transferred to different departments. With no solution. I am requesting this account to be deleted because it was not there a week ago or even in XXXX. How was this account verified to be placed on my credit report? Was it deleted then reinserted? Who verified this account? How was the account verified? Is transunion or XXXX XXXX XXXX able to provide me with an orginal contract that I signed with the orginal creditor? I just feel like my rights were violated. I receive a call last week from a lady claiming to work for this company and asking for my mom and stated she needed to deliver some papers to me and then a week later, I get an email about a new account on my credit report. Is this the legal way to verify a debt? Either way, I never received any notification of it. And its bad practice. Like I said before, I check my account every single day and i know what is on my account and this was not there in XXXX. I need to move and its preventing from renting I have a XXXX mth old baby and i have up until the XXXX to move. And has become an issue at this time.
XXXX and XXXX keep adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. First of all they do n't have my correct contact information and I was not able to be notified in XXXX and XXXX. I fax information over to them about my forbearance and I was told that it was never received. I have copies of my fax receipt were it was sent over. Several late payment was placed on my account because of this.
Suddenly I received a letter for debt collection from XXXX. I have no clue where and what type this debt came from. I do not have a XXXX account. Nor have I ever made any transaction via XXXX.
I was vulnerable during the housing crisis, Ocwen Loan Servicing LLC deceptively put me into a Shared Appreciation Mortgage that entitles them to 25 % of my property. This I feel was unfair and illegal. In addition to this I had a business partner who decided he did n't want to continue with his share of the property. I supplied Ocwen with a notoriety stamped Quick Claim Deed, and individually qualified for this scam Mortgage. Now five years later I 'm being held captive into this agreement. I 've recently asked why my former business partner name was staring to appear on certain documents they claim the he is still responsible for thus debt. How can he be held responsible when I individually qualified for this scam of a mortgage. I recently called and spoke with someone in XXXX and they sent me a letter asking for nearly {$800.00} to remove his name. I 've met the criteria already when I modified my loan. This type of stuff should n't be happening and the fact they wo n't let me out this Mortgage is scandalous.
XXXX sold my XXXX mortgage to Nationstar Mortgage XXXX XXXX. I continued to pay on time every month, but on XXXX XXXX, XXXX I inadvertently discovered that Nationstar had increased my payment by 50 % without notifying me. I learned this when I went to my homeowners insurance website to pay my quarterly bill and discovered that my insurance was paid in full for one year. I then went to the Nationstar website and discovered that they had paid it ( unrequested and without authorization by me ), plus they are now requiring a {$540.00} " cushion '' in my escrow, plus there was an increase in property taxes for XXXX ( the last I was expecting but not the other XXXX amounts ). They averaged this total over only 8 months, increasing my payment from approx {$800.00} to more than {$1200.00} and never notified me, at all, ever. After XXXX reps who were clueless, I spoke with a supervisor in Nationstar escrow dept who kindly requested that this amount be spread over XXXX months, which would increase my payment by " only '' 25 % instead of 50 %. I was told I would receive documentation of our conversation which I have NOT received ; I called back on XXXX/XXXX/XXXX and was told I 'd have an answer by XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I made a payment for the additional funds that would be required for the XXXX % amount so that my account would be current already when the request is approved. I called again today, XXXX/XXXX/XXXX and was told I 'd have an answer in " a day or XXXX. '' Also today XXXX, I discovered a XXXX/XXXX/XXXX message to me on their website saying they are holding my on-time XXXX payment in suspense because it is not a full payment. This is raising red flags all over the place for me and I wonder if they are trying to get rid of XXXX mortgages for some reason. I understand how escrow works but particularly with the shady and seemingly arbitrary undertakings and no notice to me, I am fearful that Nationstar is trying to create an untenable situation and endanger my homeownership of 10 years.
I had a Chase Freedom card which was opened XX/XX/2015. In XX/XX/XXXX, Chase had placed my account on hold and falsely reported the account as " account information disputed by consumer '' and I later came to find it was closed by Chase. I did complain to Chase regarding the matter and I believe they did correct it after some time, but they refused to reinstate my account. Earlier this month after applying and verifying my identity I was approved for XXXX more cards from Chase. Upon receiving the cards in the mail I proceeded to activate them but when I called in I was told that my accounts were restricted before I even had a chance to activate them!
On XXXX I had a hard imquiry post to Experian, XXXX  and Experian from XXXX XXXX Date Filed XXXX Type Mortgage Reporters Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX This was not an authorized hard inquiry. I was shopping for solely for a stand-alone HELOC, which the broker said they could do. As it turns out I was told they can only do a HELOC if refinancing the mortgage. I was very clear I did not want to refinance my home and was not interested in a HELOC unless it was stand-alone. They ran my credit anyway and reported it to XXXX, XXXX and Experian. I spoke with a supervisor to remove my hard inquiry that they pulled using XXXX XXXX and was assured it was going to be removed. I was told I would receive an email confirmation. I have not received an email confirmation and the hard inquiries are still showing on all three credit bureaus
My loan was recently sold to LoanCare from XXXX. My loan originally came from XXXX XXXX Mortgage and then my loan was sold to XXXX. The suspecious part of this is that XXXX XXXX XXXX owns LoanCare. I 've come full circle of shady feeling mortgage selling and buying. 

Anyhow, I was n't notified until 2 months after the fact that my loan had been sold to LoanCare. Fortunately they offer a grace period for such a thing. I eventually got set up through their phone system but they only offer robot voice attendants. I 've tried at least 8 times to contact them choosing various options but it does n't appear any humans work for LoanCare. I desperately want answers to my questions about PMI being paid off and can not get a hold of anyone. I 'm now trying to get answers through the parent companies.
Had a Capital One credit card account. Paid offin XX/XX/XXXX. Balance was XXXX. I believe I requested the account to be closed. Since XX/XX/XXXX, unauthorized carges appeared. Now the total charges arr about {$170.00}. Asked them to remove the delinquent reporting as these are fraudulent charges. They wo n't do it and are saying that these are my responsibility and all they could do it mark it as satisfied if I pay the entire amount which were again, unauthorized. I asked them if they would remove these reportings if I make the full payment even though these are fraudulent as i do n't want to invest too much time for something less than {$200.00}, but they wo n't remove the reportings.
I deposited a check at Bank of America on XXXX/XXXX/15 after XXXX XXXX, but I did not realize the check was dated XXXX/XXXX/15. The bank bounced the check on XXXX/XXXX/15, I think the money was available on XX/XX/XXXX but they decided to reject it. I deposited a check for {$1100.00} on XX/XX/2015 and was informed there was a hold in place for {$900.00} until XXXX pm XXXX/XXXX/15 and that I was told by XXXX of bank America that {$200.00} would be available by XXXX Saturday XXXX/XXXX/15, ( see attached account history for XX/XX/XXXX ) sometime Saturday the entire amount was put on hold and the check is now on permanent hold, ( see attached bank statement ) I am not sure when it will be available, when I asked XXXX of bank America why, he said it was in the risk dept, and to call Monday, I feel Bank of America is trying to generate fees and lying to me when I try to address my account problems, I have no funds in my account, and feel I am being treated in a arbitrary and capricious manner.
The car was deemed a total loss, and they refused to cash the check my insurance sent them for a year, they sent a tow truck to my brother house to repossess the car that was sitting in the salvage yard and then turned in that the repossessed the car and they never did to negatively affected my credit, the debt collector wouldn't return my calls and wouldn't let me work out a way to pay off my debt and never sent me the information to dispute the debt and neglected to tell me i could do so. this account is no longer in collections and i would like it to be removed from my credit due to the reasons stated before.
Date of last activity was XX/XX/XXXX, and account was closed on XX/XX/XXXX. 

These people have no legal right to contact me and/or attempt to collect on a debt I do not owe.
I attempted to make a payment on my XXXX XXXX Gap Visa Card account on XX/XX/XXXX. This payment was returned NSF, despite having funds in my debited account. I was notified today, XX/XX/XXXX, two weeks later, that my account has been closed. 

I have been a Gap Visa customer since XX/XX/XXXX, making it one of my longest-held credit accounts. Such quick closure without notification from the bank will severely harm my credit by reducing the length of my credit history. They made no good faith attempt to work with me as a consumer and behaved in gleeful disregard for my credit health as a longtime customer of theirs. 

Additionally, the representatives I spoke with on the phone were rude and condescending.
On XX/XX/2018, I had a loan balance of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX dollars, XXXX cents with Discover Personal Loans in which paid off in full. But for the past two months, there has not been any update to my credit report with any of the three credit bureaus as to my loan been paid off. I reach out to Discover Personal Loans on many occasions to inquire about the inaccuracy on my credit report, but I was unsuccessful in getting the issue resolved with them.
XXXX XXXX claimed that I owed a debt for {$2400.00}. I sent several certified letters asking them to validate the debt because I knew that the debt was incorrect and invalid. They were not able to provide me with any type of debt validation but still would not remove the account from my credit report. I am reporting them because of their refusal and for unfair practices.
I opened a home equity line of credit with XXXX XXXX XXXX Bank in XXXX with a set interest rate and automatic renewal provision in 10 year cycles - this account paid properly every month since origination. In early 2013 XXXX XXXX XXXX notified me that the equity line would be converted to a " installment type loan '' and modified to a set payoff schedule at XXXX the current payback schedule. I disagreed with the terms XXXX XXXX XXXX offered and continued to make regular on time monthly payment. 

In XXXX 2013 XXXX XXXX XXXX returned my payment with a letter stating that the bank would not accept further payments on this loan based on non-modified terms. In XXXX 2013 I attempted to make my payment at a XXXX XXXX XXXX Branch - which was refused. In XXXX XXXX XXXX XXXX filed a " pre-foreclosure '' and notified me of the pending legal proceedings. During this period ( XXXX through early XXXX ) the only contact available to us through XXXX XXXX XXXX was their " mortgage default department '' which was anything but helpful and kept suggesting/demanding I use a government HARP program for loan modification which I had no interest in using. 

Later in XXXX 2013 XXXX XXXX XXXX and I came to an agreement for a payback schedule at a set interest cost and set payments - all payments have been made on time before and since. This loan was never in default, although XXXX XXXX XXXX refused payments for several months. 

Experian continues to list this account as a foreclosure with over a year of missed payments - XXXX correctly list this loan with no " default-foreclosure-late payments ''. I have disputed the reporting several times through the standard Experian dispute process and Experian refuses to correct their reporting as so called " verified '' nor will they accept an appeal of their incorrect account listing information. 

My Experian XXXX scores are XXXX points below other credit agencies scoring due to this incorrect listing and are shown as recently late ( 2013 ). All XXXX of my reports ( XXXX Experian ) correctly show the new loan ( XXXX XXXX XXXX modified to set terms ) as paid - never late.
Gateway One XXXX calls me several times per day on my cell phone ( as listed on my appliction ) and also calls references such as my family and discloses my financial information to them if I am more than 5 days late on my payment. The major issue is and the reason for my complaint is that they called a customer service number listed online for my employer. So it happens that I am in charge of the Customer Service team that answers that toll free number listed for my employer XXXX XXXX. This is very embarrassing and should never take place. I do not list XXXX XXXX on my application for credit and Gateway One is not doing business with XXXX XXXX so why are they calling XXXX XXXX? Their contract is with me and I should only be contacted at the # i provided to them XXXX.
At horrible dual charging complaints against Chase Bank and XXXX XXXX XXXX, so I do not like XXXX XXXX XXXX continually due of unfit resident of Oregon in facing rough with horrible complaints report to U.S. Senators and Speaker XXXX XXXX. I complain against Chase Bank that he did not show up and did not bring XXXX XXXX XXXX to XXXX XXXX XXXX and discuss with me in banking issues and I did not happy applied with For new Chase checking customers ... {$150.00} When you open a CHASE TOTAL CHECKING ( R ) account* & set up direct deposit** that I do not want alone going to Chase Bank , understand clearly! I did not get {$750.00}. I am really mad at Chase Bank that XXXX XXXX official with high-position did not show up and did not bring me to XXXX XXXX XXXX.
I file 2 comp laints within    2017  with  Ad Astra Recovery Service within  the last year to delete the inaccuracy on my credit reports. The account is not mine. I never had a account with them or the company they are representing. The have not deleted the account and its causing a negative impact on my credit report and  credit score. I   also file a complaints via the Better Business Bureau on   XXXX  17   and Ad  Astra Recovery Service r efuse to remove the account and also on  XX/XX/2017   . The amount that is showing on my credit report : {$600.00}. I do not not have a signed contract with  Ad Astra Recovery . I asked them to provide a contract between this collection and I and they have yet to provide this info. Mainly because I do no t have one
XXXX XXXX  is reporting the folling cases XXXX  under a XXXX XXXX case XXXX under a XXXX XXXX   and case number XXXX I went to all of these court houses to dispute got no where because I am not any of the above people. My name is XXXX XXXX maiden name XXXX XXXX.. I have had only 2 names my whole life. I spoke to XXXX  at XXXX XXXX his # is XXXX ext XXXX  he said my consumer id is XXXX. I have tried several times for them to fix this and it has gone nowhere. Please help..