WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX   XXXX ,  XXXX  I sent a letter to  XXXX  requesting that they remove  XXXX  inaccurately reported  XXXX  late payments from  XXXX   XXXX  from my credit report. All  XXXX  of my federal student loans which were serviced by  XXXX   XXXX  were in forbearance at the time of the alleged late payment, yet for some reason  XXXX  of them are showing as 90 days late on my credit report. I included a letter I received from  XXXX   XXXX  in  XXXX  showing the dates of my forbearance which included  XXXX   XXXX . If loan accounts are in forbearance it means no payment is due so how can a payment be late if no payment is due. Supposedly  XXXX  " investigated '' this matter and continues to report that this information is accurate. I have disputed it with all  XXXX  credit bureaus and they continue to confirm this information is accurate with  XXXX . I do not feel anyone actually investigated this matter, no actually read my letter as they are unable to actually tell me WHY this information would be accurate given my student loan forbearance status, they just sent me a form letter indicating their information reporting to the bureau is accurate.
I have requested several times that Aspire Inc ( http : //www.aspireresourcesinc.com/ ) take the phone number of my previous place of employment off of their contact information to contact me with questions regarding my loan with them. I have, several times over the phone, requested they use my current phone number to contact me and not my previous employers ( who I have not worked for since XX/XX/2015 ), and yet they continue to harass my ex-coworkers.
When I was purchasing a vehicle in XXXX XXXX and XXXX XXXX my credit was run by companies that I did not authorize. Majority of which I do n't recall even speaking too or receiving any information of them having ran my credit
To our surprise, Chase is being charging us 23.99 % on the credit card and when I called them, they claimed that they had told me this when I signed up for the card which is n't true because I recalled the guy telling me 13 %. Then they said they wanted to check the recording and came back to tell me they did n't said 13 %. when I said I was recording the call and they will provided it to the State Attorney General office, they suddenly left and came back to tell that they ca n't talk if I am recording.
This creditor is asking for a debt in the amount of {$290.00}. This is not my debt, asking for this debt to be remove from all  XXXX  major credit bureaus.
I got locked out for 25 days now, when I tried to set up the account on my new phone. Have no access to my funds and cannot reach anyone who can help. Waited hours on the phone numerous times to hear the same response “you have to wait for a specialist to assist you”.  This “specialist” cannot be reached and don’t know when they will respond.  Coinbase is holding up my money and there is nothing I can do about it!!!Ticket submitted on XXXX-2017Case #XXXX
My mortgage got sold to Greentree. About 18 months ago I had a loan modification ( even tho I was not late ). They presented an amount of payment ( {$540.00} ). I pay $ 827 monthly ( proven by my bank statements ). They 've since sent monthly statements with varying amounts due. When asked why these amounts are different than the signed modification, I get no answer. Now they are saying I 'm late and have started forreclosure proceedings. I 've proven to credit bureaus and to Greentree my payments but they do not care. I see lots of civil suits and complaints on this company. I 've had nothing but nightmares with them. They also refused my personal insurance when I recently changed insurance companies, until they finally accepted the insurance, but not without trying to tack on their exorbitant rates.
I just opened a XXXX XXXX and noticed Derogatory marks from XXXX XXXX XXXX saying i owe to separate collection charges of {$50.00} on XX/XX/2013. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like these 2 derogatory marks off my credit as soon as possible due to the fact they have the wrong person.
I recently applied for a Chase freedom card. I received a letter from Chase today ( XXXX/XXXX/17. ) This letter was denying my request for a few reasons. After reviewing all of my credit reports, and the letter, I find that Chase has no justification for denying my request. For example, Chase claims that I have a credit card that has not been paid on time - NOT TRUE. I have a new account with a 100 % on-time payment history.
My wife and I attempted to refinance our home to obtain funds to replace the roof, reduce revolving debt, and home improvement. Just prior to closing/settlement the lender 's attorney identified a cloud on the title. The cloud was a paid off HELOC with PNC Bank from two years ago which PNC had not filed a mortgage release. Attempts to get this issue resolved have met with us and our lender being handed from office to office, each stating this is not their department 's responsibility or refusal to return calls. We, with the assistance of our lender, have filed a formal request for release, but have no idea whether it has been received, or delivered to the proper lien release department. 

Two years ago when we received a HELOC loan Maturity Date notice it was clear from the letter that if we had paid off the HELOC at the Maturity Date a release was to be issued by PNC. The HELOC was paid off on XXXX/XXXX/XXXX, 5 days prior to the Maturity Date. Based on the letter it was not felt that a formal request for lien release was required. Frankly, it is my lender and the settlement lawyer 's opinion that having failed to issue this lien release is in violation of Alabama XXXX XXXX XXXX, in any case we have made a formal request for release which starts the 30 day clock ( beginning XXXX/XXXX/XXXX ). There is a subsequent Alabama XXXX XXXX XXXX establishing a penalty for failure to meet the 30 day time frame. While such a penalty is insignificant to a bank as large as PNC, it would be an interesting exercise to determine if PNC 's delinquency of providing lien release is endemic and reflects on the PNC 's sound banking practices. 

Dealing with the frustrations and delays of a clouded title has resulted in substantial stress and loss of sleep trying to determine an expedient resolution of this issue. 

Pertinent Facts : 1 ) We refinanced our home with PNC in XXXX, it was clear on the XXXX that part of the proceeds of the refinancing was to pay off the existing mortgage with XXXX XXXX XXXX AND pay off our PNC HELOC. Additionally, there was an XXXX to the XXXX stating the funds from the proceeds of the refinancing with PNC were to settle these XXXX mortgages. PNC filed a release for the existing loan and failed to file a lien release for the pay off of HELOC. 
2 ) It is clear from the HELOC Maturity Date letter of XXXX XXXX, XXXX that PNC 's policy is to file a lien release if the balance of the account is {$0.00} at the Maturity Date. The PNC HELOC account statement dated XXXX/XXXX/XXXX clearly states that PNC received funds to zero the account prior to the maturity date. 
3 ) Failure to remove this cloud on the title of our property is violation of XXXX Code and may jeopardize the interest rate lock on our in-process refinancing effort and/or cost us extension fees. 
4 ) PNC 's lack of being helpful in clear this oversight on their part is not indicative of a bank that has safe and sound finance practices. 

The lesson to be learned is for HELOC payoffs one must verify that a lien release has been filed. To be safe one should file a request with the financial institution who held the HELOC.
on yearXX/XX/XXXX or XX/XX/XXXX I was a client of Wells Fargo I had a debit card that I overdrawn and never paid back I also never closed the account. OnXX/XX/XXXXwhen I had a stable job I decided to start applying for credit cards to build up my credit, I downloaded an app called XXXX XXXX and I got a big surprise I had horrible credit,a big debt of XXXX from XXXX XXXX XXXX I called and they told me it was an account from Wells Fargo and I agreed to pay XXXX a month to pay off the balance because I thought this was the debt from my overdrawn account, I paid XXXX dollars a month for about 6 months until I went to Wells Fargo to see if I could get a second opportunity checking account since I was "supposedly" paying off the debt on my old checking account, and then another big surprise for me, the personal banker told me I owed XXXX from my checking account and that no payments where made to my account I got out of the bank and called XXXX and they told me the debt was about a credit card. I told them that I wanted to stop making payments to the balance since I never requested, authorized or open the account, I made a fraudulent activity the XXXX  and I really want this out of my credit because it is really affecting me.
Lawsuits : 1. Federal Trade Commission Vs XXXX Status : settled for XXXX ( XX/XX/XXXX ) 2.Consumer financial protection Bureau vs Navient Status : Pending I am XXXX XXXX XXXX Veteran who went to XXXX University from XX/XX/XXXX-XX/XX/XXXX Racked up XXXX student loans which eventually end up with Navient. I also have about XXXX private student loans with XXXX XXXX while going to XXXX XXXX sold me a dream, I got a college degree in XXXX XXXX and I am now XXXX. It has been a nightmare to find decent paying job with my worhtless degree. FTC vs XXXX Stated that allegely XXXX misled prospective students with ads and touted high employment rated and income levels upon graduation. XXXX ended settling in with FTC for XXXX. 

Navient is now being suit by Consumer Financial Protection Bureau along with US Attorney General office, XXXX Attorney general and XXXX Attorney general for unlawful practices such as misallocated payments, steered people into costly plan and supply wrong information. 

These XXXX loans payments, XXXX with Navient and another XXXX with XXXX racked up very high interest plus my other unsecured debt which forced me into Bankruptcy XX/XX/XXXX. 

I learned the US attoney general filed a lawsuit agains Navient along with other Attoney general from other states individually. I would US Attorney General to come on board strongly to protect the interest of XXXX residents affected by Navient reckeless behavior and joint other states AG and file a lawsuit against Navient. 

I would like some relief or perhaps forgiveness on my student loans since I got stuck with a worthless degree and very high student loan debt. 

See Links XXXX CFPB Lawsuit
USAA Bank closed my account mid XXXX. I owed them some overdraft & since I had n't opened another account with another bank yet, with my first pay, I decided to send part of my direct deposit of about {$89.00} to cover what I owed them. I called few days later, early XX/XX/XXXX, & USAA informed me they received the money & after spending over an hour on the phone with them, they informed me my check will be sent to my updated address & I would receive it within 7-10 bussiness days. I waited. 7 days later I received their fliers, no check. 30 days later, I called them again, I spent about an hour being transferred with absolutely no resolution. They said they sent the check & I should be patient & give it time. I waited, I continued to receive fliers & advertisement stuff, no check. I called them in XX/XX/XXXX, I hang up for being put on hold for over 10 min bc I was at work. I called them in XXXX after I moved to update my address & follow up on the check. Once again, I was on the line with them for over an hour. I was transferred & sometimes had to wait on hold for so long. Finally they told me that my check was returned to them in XX/XX/XXXX. I asked why & they did n't know why. I received everything else they sent but the check. I called them twice before & no one told me this. So then I had to wait longer on the phone for them to send me another check. They said I would receive it within 7-10 business days. 10 business days ended on XX/XX/XXXX. I called them first week of XXXX, they told me, it could be held up somewhere to continue to wait. Once again, I 've received their fliers & stuff & no check. I contacted them again but had to hang up after being put on hold for over 10min. I had explained to them I could n't hold for long since I was at work. While I had a good relationship with USAA as a customer, this experience has completely has changed my opinion of them. Please help me get my few extra funds back as this is the only way I will receive them. Its been almost a year & all I get from USAA are nothing but waste of time on the phone and lies. Why I continue to receive their advertisement fliers but not my check is beyond me. Thank you.
In XXXX I borrowed money from XXXX XXXX in the city of XXXX Virginia {$20000.00} and was coheresd into a home equity line of credit with as a separate account away from the line. I borrowed some money from the credit line and paid money back to it, I didnt get a single monthly statement until XXXX when WellsFargo absorbed XXXX, the statement claimed I took {$59000.00}, the maximum I could have taken. I froze the account and began trying to find out where the money went. There is no paperwork for the first two years non of the withdrawals or deposits I made are mentioned, They, wellsfargo, have the original agreement and the statements beginning when they took over but that is all. And have stalled me off for 14 years while I pay them interest or rent on my own property. I cant find any one to advise me. The bank promises to do some thing, and I wait but then act as if this is the first time they hear about this, I have been to several bankers and talked to the main office who just sends out the statements I already have. Not the first two years when the money Was allegedly taken. Help me fight this giant. I want all my interests payments back and to know who stole my home equity. Cant find an attorney or adviser.
Received information in flyer that Sears ( Citicard ) would rebate 10 % of charges for gas, restaurants and grocery store purchases XX/XX/XXXXthrough XX/XX/. Never got them. Talked to citicard rep on XX/XX/XXXX and was told needed to make {$2000.00} in such charges per month to get 10 % back. The flyer didn't say so. Rep said they'd email the details but never got email. I made {$3500.00} in such purchases XXXX to XXXX. So am owed about {$350.00}.
Signed up with Coinbase.com with a {$75.00} signup bonus for a {$100.00} deposit into their service. As it took a while to complete their signup, they changed signup bonus to {$10.00}. When asked about bonus, as I signed up for {$75.00} and completed all the steps, they stated that the signup bonus had changed and they no longer offered the higher amount and that requirements were not met, when in fact they were met fully. Never got any signup bonus.
Dear AES, I am submitting this complaint, as the initial one was not correctly read, nor was it properly remedied. 

I have attached the updated complaint in a word doc, for better viewing. 

My apologies ; as unfortunately, I may have provided too much information initially, making it difficult for you to see the big picture, of AES 's cause of the primary problem : for which I seek a fair resolution. 

Clearly, the information provided earlier was too lengthy - I only went by the written tracking I have, and I have recorded all conversations since XX/XX/XXXX. 

As a 'Customer, the events that led up to the current situation are unfair, unreasonable, and of no fault of my own ( if they were my fault, I would have simply let it go and taken responsibility by now ). 

Thank you in advance for your understanding. 

Warm regards, XXXXXXXXX
I had filed for chapter XXXX Bankruptcy Discharged Date Filed XX/XX/20011. I have just started to build my credit back up with my first credit card from XXXX. I am up to date on all my payments and had ask for a credit increase. The Bank ( XXXX XXXX ) which got a credit report from Transunion consumer relations which had false information on the report. They put on the report that I had Serious Delinquency, and Public or collection filed, too few accounts currently paid as agreed, Lack of recent installments loan information, too many accounts with balances.And it said number of inquires was a factor in score. XXXX score. 
All of which is false information..I called Transunion and they would not send correct information to XXXX XXXX which denied my credit increase. My record should be clean after my Bankruptcy.. Please make them send correct information to XXXX XXXX. I only have one credit card and that 's with XXXX..
Hello I really need help with Ocwen mortgage they lied to me since they foreclosed on my home in XX/XX/XXXX.. I have been trying to get help but with no money no one will talk to.me. I have a case management coming up in XX/XX/XXXX. But they sold my house to the new owners in XX/XX/XXXX Ocwen does not have a ejectment or a processing of my property. The new owner taped a letter to my front door telling me I have 2days before locks changed or sign a lease which they were not the owners I just want to get my house back only thing I have left
Listed on my credit report is a Credit collection by XXXX XXXX representing XXXX XXXX XXXX for a balance in the amount of {$950.00}. Also on my credit report is XXXX XXXX XXXX. I have disputed this account multiple times but what upsets me more now is that both companies are listed on my credit report as if I owe the same debt twice. It is unfair that they are both listed on my credit report appearing that I have multiple accounts in a negative status and being denied credit. I am asking that XXXX XXXX be deleted immediately as they are not the original creditor.
I requested an appraisal from Flagstar Bank, my mortgage company on my primary residence, in order to ( almost certainly ) eliminate the Private Mortgage Insurance of nearly {$200.00} per month from our mortgage. They indicated in a letter dated XXXX XXXX, 2015 that this would cost {$420.00} through their appraisal serviceXXXX. I sent the request and a check for {$420.00} back to Flagstar, which Flagstar cashed on XXXX XXXX, 2015. After no contact from them, or the appraiser for nearly 2 weeks, I called Flagstar only to be told that cost was now {$670.00} They tried to say that perhaps I had a rural property ( I do not XXXX Colorado ) and thus the reason for the inrease. They then tried to say that when I called XXXX PRIOR to their sending a letter saying it would cost {$420.00} ), that I should have been told it could be more. I told them it did n't matter ; they sent a letter with the price, I sent a check that they cashed, all within less than 3 weeks time of the letter 's date. This constitutes a contract in the state of Colorado. They have refused to do the appraisal at the {$420.00} price and said they would refund my check. I told them I do n't want the check ; since I HAVE to use their appraiser, they have me cornered. They have since refused to do the appraisal. Even if I agree to pay the extra amount ( which I will NOT ), they are only delaying the inevitable and I am out {$200.00} every month they delay as I continue to pay PMI in one of the HOTTEST housing markets in the country, XXXX, Colorado. I am 100 % certain that an appraisal at the time I sent the check would have resulted in a PMI reduction starting with our XXXX XXXX, 2015 mortgage payment.
I purchased a XX/XX/XXXX Dodge XXXX from XXXX on XXXX/XXXXXXXX, financed through XXXX financial. 
I paid {$1000.00} down payment and purchased a {$1600.00} care care agreement. My XXXX payment was due XXXX/XXXXXX/XX/XXXX. I made my XXXX payment on or about XXXX/XXXXXX/XX/XXXX. 
2 weeks prior I canceled my care care agreement and {$1600.00} was refunded to XXXX financial. My down payment or the refund from the cancelation of the car care agreement was applied to my account. 
The XXXX 2 weeks a representative named XXXX XXXX would call private to my mobile phone but wpuld never state her business and laugh and hang up. I figured out it was my finance company because she finally left a voicemail box and the number was XXXX financial. She uses profane language, tells me to shut up she is speaking, she threatens me, asks me where my car is. She says XXXX never received my car payment but refuses to provide documentation. They have tried to process additional payments out of my banking account without authorization. I have reason to believe the representative XXXX calls from her personal cell phone blocking her number because she calls outside of the company business hours. When she calls I say may I ask who is calling she refuses and immediately starts asking personal information. This same representative calls a family as well late at night harassing him. XXXX makes false statement regards of why I financed my vehicle. She is extremely disrespectful. I asked her to stop calling repetitive in a single day and calls XXXX. She just stsrts yelling and making threats. She said she could put me in jail if I dont tell her where my vehicle is. But refuse to show proof of my account being 48 dsys past due,
I settled with the debt collector and paid them in full, I would like this off of my credit report.
On XX/XX/XXXX I contacted Tele-Check that my bank had sent back a check I wrote on XX/XX/XXXX for XXXX after I had deposited a check for XXXX into my acct to cover the check. I called them because my bank sent it back talking about holding my funds so they could collect as much interest on as much, I know this only caring about themselves not the customer. I spoke w/a XXXX-collector Desk XXXX at Tele-check, not to even go into how inappropriate this person was w/her personal opinions as oppose to sticking to the facts. The reference number for the call that I insisted on is XXXX. I called in advance to ward off them taking XXXX my acct because they could and the funds were there, this is WRONG. I believed this money would NOT be taken out after the call and heads up warning for the check did clear as XXXX and I discussed on XX/XX/XXXX. She tried to get me to pay another XXXX that day?? then they would have gotten XXXX from me, to earn interest and return to me at their will and leisure. Really, a manger needs to pull that call. On XX/XX/XXXX XXXX was taken out of my acct because they could and have access, the risks you run of writing a check these days!! It's check number XXXX XXXX XXXX XXXX XXXX XXXX. 
Tele-check trace number XXXX. They should not be allowed to just capitalize off of ppl like this because my check WAS good and written in good faith. I had NO idea at the time of writing the check my bank would not honor after I knew I had the funds coming to cover.