WillisBack/dataset-financial-user-claim huggingface dataset:
Every single month I have to file a complaint with transunioun for not updating my credit card accounts, this time it's my XXXX XXXX acct the balance is {$5.00} and has been updated on the two other bureaus since the XXXX, I have attached screenshots of credit report from XXXX and XXXX  showing my XXXX card, again transunion is the only credit bureau every single month that is not reporting my balances on time, this is very very frustrating and time consuming and needs to be resolved this month for good it does not keep happening, I have also attached my transunion report, again every single month there are reporting issues with transunion, I should not have to do this complaint every single month, my XXXX card may also be labeled XXXX XXXX XXXX, the balance is {$5.00} report date XX/XX/XXXX the XXXX of every month as u can see on the report, past and present
I refinanced my loan through Interactive Mortgage. After the loan had closed which cost me a higher interest rate and an additional upfront cost of {$630.00} for an interest adjustment of 4.250 to 4.375 % because the closing department claim that the paperwork I submitted for my student loans did not actually specific how much my payment would be in XXXX. Currently I am not paying anything which I submited documents to support. I dismissed this because I wanted my payment to drop down from {$1500.00} to XXXX. However, after I had signed loan documents to obtain the payment of {$1400.00}, I received a call from XXXX XXXX of Interactive stating that I owe approximately {$400.00} more for hazardous insurance. I was baffled by this because my loan closing statement included a breakdown of my fees in which there is a charge for hazardous insurance of 13 months @ {$56.00}. The insurance quoted now is 13 months@XXXX. I received a letter from XXXX XXXX that my insurance is {$690.00} total. I am not sure why I am being ask to pay this additional amount. When I received the call from XXXX XXXX I was asked to come up with {$400.00} approximately because of the insurance being renewed. Than on Saturday after checking my loan documents I find a letter from XXXX XXXX XXXX XXXX applying additional cost to my loan that equaled {$210000.00}. My initial loan amount was for {$210000.00} now because I told XXXX I had to examine the paper work I now had to pay over {$2000.00} extra for this loan. I thought I was getting out of a prior bad loan but it looks like these loan companies are ripping homeowners off.The amount paid to XXXX XXXX XXXX was {$200000.00}. I was initially told I would only have to pay {$490.00}. Over {$6000.00} has been added into my loan.
Greetings.. On or about XX/XX/2018 I received a summons to appear in XXXX City Court or face a judgement on a old credit card bill. 

I'm XXXX years old collecting Social Security and a Veterans XXXX Pension.. 

Under Federal and New York State law these funds can not be frozen or garnisheed.. As long as there direct deposited. Except under certain circumstances these funds can be frozen and garnisheed, and the banks supposed to know which is which. 


I did talk to a Legal Aid Attorney and my funds are not to be frozen or garnisheed. So therefore I'm not obligated to answerer the summons unless I wish to. Since I do owe the money I'd more than likely lose the case and a judgement would be won by the creditor or debt collector. 


What my Legal Aid Attorney mention to me is that sometimes the banks freeze and or garnisheed account when they shouldn't and it takes a month or more to get the funds released.. 


What needs to be fixed by congress is as fine of {$50000.00} on the banks for freezing bank accounts that are not to be frozen or garnisheed and a {$5000.00} payment to the person that the account was not to be frozen or garnisheed. 


I'm asking you to sponsor a bill to punish banks that drop the ball on making sure that the funds in accounts are not frozen or garnisheed when there not supposed to be. 


This bill would protect all people who are collecting funds that are protected under Federal and State Law in all 50 states not just New York State.
My claim number XXXX  has been recently closed. I have made numerous calls to XXXX XXXX and One Main Financial in XXXX XXXX, IL where I spoke to the manager XXXX regarding this matter to obtain clarification. I was advised that XXXX XXXX was not receiving records from my current doctor, XXXX XXXX, in order to prove that I asked the doctor for the medical records I had XXXX on a three way call with my doctors office and they intern told XXXX that the records requested had been sent. 

On XX/XX/XXXX, I received a call from XXXX at One Main Financial in XXXX XXXX, IL., in which he stated my bill still had not been paid. I called XXXX XXXX again and was advised that the information they were requesting was from XXXX XXXX   which is a doctor I had not seen since XX/XX/XXXX. Prior to this date XXXX XXXX supplied all medical information to XXXX XXXX and my claims were paid, in addition from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX paid my claims while under the care of XXXX. 

While speaking to the XXXX XXXX representative regarding my claim she advised me that she could not tell me what XXXX XXXX needed from XXXX. I was confounded by this statement, because if you are requesting my medical information from a doctor I no longer see I should have a right to know what medical information you are requesting. I asked could the information be sent to my attorney and maybe she could ask XXXX , XXXX to supply the information to XXXX XXXX. I was advised that the attorney does not have a right to know what we ( XXXX XXXX ) are asking a doctor whose care I am no longer under. 

In lieu of this matter I had the attorney fax XXXX XXXX  my medical records from XXXX XXXX I am uncertain what information your company is looking for but I paid a premium for their XXXX insurance, I am off work on XXXX and have been since XX/XX/XXXX, XXXX XXXX XXXX has paid my claims and I am appealing your denial of my claim and ask that you re-instate my payments to One Main Financial. 

From the local office i receive up to 10-15 calls a day, XXXX XXXX and One Main both companies are aware I am on XXXX, this harassment is causing me more health issues. I don't have the money to pay the bill which is why i purchased the XXXX insurance. I have not been presented with an appeal process or any facts of why my case was closed. 

I am trying to save and borrow money to pay the bill or pay something on the bill but the amount One Main stated I could pay was denied 4 days after I agreed to pay it.
This is concerning a debt I found on my credit report last XXXX ( attached ). I tracked down this debt as a bill from a joint account before I filed and went through an ugly divorce in XX/XX/XXXX. There are XXXX anomalies on my credit report concerning this debt. I attempted to resolve this debt in XX/XX/XXXX when I started a debt management program with XXXX and was unable to locate the owner of this account. I have not received any written correspondence regarding this account save the return of the letters I 've written this year. ( I received almost no mail in XX/XX/XXXX due to it being forwarded by the person with a XXXX I was divorcing ). I have tried calling this creditor at least XXXX times last year - leaving messages that were ignored, and wrote letters on XXXX XXXX, XXXX XXXX, and XXXX XXXX of this year trying to resolve discrepancies on my credit report regarding this debt. With each letter I included a check for the full amount beyond the discrepancies. Each of my letters and checks were returned without any response save an enclosed sheet with their address on it ( attached ). The XXXX discrepancies I need addressed are : * ( 6 monthly payments of {$94.00} from XXXX not deducted from the balance principle. 
*A difference of {$340.00} between the amount claimed I owe you and the high balance of the card listed.
Beginning XX/XX/XXXX-XX/XX/XXXX I made many attempts to correct this error reporting on my credit files with the 3 Credit Bureaus & was unsuccessful because my dispute results with the Bureaus came back as verified by the furnisher of the account within the last 6 months. So I decided to reach out to this creditor in XX/XX/XXXX & XX/XX/XXXX by sending them a Debt Validation Letter but they on both occasions sent me what looks like a contract with a typed name on it. Im disputing this because I never a had relationship with the collection agency nor the original creditor. They havent provided me with any viable piece of evidence that proves that I owe this debt, not a SIGNED contract with my signature on it or agreement to pay the said debt. I also would like to add that my identity was stolen & used on several occasions because I had lost my wallet on public transportation between the years of XX/XX/XXXX-XX/XX/XXXX
I have already contacted this company to state I never had a contract with them. 
They are stating I owe for things that have already been paid by my insurance company.
I purchased $ XXXX ( XXXX/XXXX/XXXX ) and $ XXXX ( XXXX/XXXX/XXXX ) XXXX gift card from paypal. However, when I try to use them today I found XXXX {$50.00} and XXXX {$100.00} was {$0.00} balance. After search on internet, I noticed that paypal giftcard system have been hacked last year. I believe my lost is due to paypal 's system been hacked.
XXXX  accepted an application from a thief and I sent them my police report that I never had this loan.someone got in my bank account stole money and un knowingly XXXX took money out of my bank account I asked them to send me back the money they stole instead they say it isn't fraud.the application doesn't have my email and contains incorrect facts like I'm on XXXX which I am not .this is wrong my identity was stolen.
I have repeatedly contacted capital one to have a new debit card mailed to me and It wont allow me to transfer funds that of been sitting in my account for over a month every time I call they send me to an answering machine Ive left at least 25 messages no one has called me back I cant access my Social Security XXXX and I now can not pay my landlord rent. I can not withdraw funds purchase funds view my statements and I try to pay my bill online using this app XXXX.
On XXXX I received a call from XXXX from Avid Acceptance attempting to collect payment for my vehicle. At the time the account was 11 days past due, I advised her I was unable to make a payment at that time. She transferred the call to a male name XXXX, he never disclosed his title he simply advised me I had to make a payment with him because they were closing the books, he stated I was a bad paying customer, I advised I would be able to make a payment the following week on XX/XX/XXXX. He refused to set up the arrangement for the day I requested, he then demanded I make XXXX payments on XXXX, I once again advised him I was only able to make XXXX payment on the XXXX he proceeded by saying you have a few hours before we close the books to come up with {$330.00} & disconnected the call. My payments are due on the XXXX of every month I should n't be forced to pay before my due date because the representative wants to meet his quota. I should not be denied to make a payment, be hung up on, & disrespected! I was not allowed the opportunity to give him the reasons for delinquency. XXXX was very disrespectful, very aggressive I felt pressured bullied by this individual. At no point in time did I raise my voice or used any type of profanity to be mistreated the way he did.
As mentioned in the previous complaint filed with you, complaint number XXXX filed on XX/XX/XXXX, Navient has been mishandling my loan. They did adjust my loan a tiny amount but it is still extremely incorrect. Most of the payments made since XXXX have zero applied to principle. They have applied all to interest. After my last complaint, it was adjusted slightly, so random payments show different amounts applied to principle. It was not every payment and not consistent. I have paid massive interest on this account and if navient has its way I will be paying until the day I die. I am attaching the most recent copy of my loans from their website so you can see this craziness. Also, I was charged interest for the years my loan was in chapter XXXX bankruptcy. I did supply proof to the company that my student loans were included in this bankrupcty. I was to pay the courts directly from payroll deduction each month and they distributed funds. On my records from the courts XXXX would be paid to student loans. My case was converted to chapter XXXX in XXXX when my husband was not working. I appreciate you help.
In XX/XX/XXXX after being alerted to a collection account added to all 3 credit bureaus, Midland was  sent a dispute and validation request for the alleged debt. In XX/XX/XXXX the attached response was received. As you can see Midland has failed to validate the alleged debt with the requested contract signed by alleged debtor that outlines obligation to pay original creditor and/or Midland, requested contract between original creditor and Midland allowing them to collect on this alleged debt, requested signed receipts linking credit account to alleged debtor as this is appears to be a credit card debt, or requested detailed billing history to prove amounts owed on the alleged debt especially considering that the statement that was provided does not explain how an alleged credit line of {$400.00} turned into an amount owed of {$810.00}. With the information that is present on the statement provided, it appears Midland is attempting to collect an invalid amount for this alleged debt. I am further concerned that Midland may be reporting invalid information as they allege the debt was charged off XX/XX/XXXX which appears to conflict with the statement due date of XX/XX/XXXX.
Bank of America Home Loans Services has ERRONEOUSLY reported late payments for the months of : XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 & XX/XX/XXXX. I have contacted BOA and they confirmed the received of my payment for those months and the late payment remarks have not yet been corrected. Attached please find copies of my payments accepted by Bank of America
I believe the confusion started when Chase took over Washington Mutual. After that switch I was never informed about my old account. I just started recieving letters from Chase from what I can remember. I was confused because I was n't aware about the switch so i did n't think to pay Chase anything. On Thursday, XX/XX/XXXX, the United States Office of Thrift Supervision ( OTS ) seized XXXX XXXX XXXX from XXXX XXXX , XXXX. and placed it into receivership with the Federal Deposit Insurance Corporation ( FDIC ).  The OTS took the action due to the withdrawal of {$16.00} billion in deposits during a 9-day bank run ( amounting to 9 % of the deposits it had held on XX/XX/XXXX ). The FDIC sold the banking subsidiaries ( minus unsecured debt and equity claims ) to JPMorgan Chase for {$1.00} billion, which JPMorgan Chase had been planning to acquire as part of a confidential plan internally nicknamed Project West. All XXXX branches were rebranded as Chase branches by the end of XX/XX/XXXX. The holding company, XXXX XXXX , XXXX., was left with {$33.00} billion in assets, and {$8.00} billion debt, after being stripped of its banking subsidiary by the FDIC.The next day, XX/XX/XXXX, XXXX XXXX , XXXX. filed for Chapter XXXX voluntary bankruptcy in Delaware, where it was incorporated.
In XX/XX/XXXX we received a call from Citibank saying there may be a suspicious activity on our account. We reviewed the information with Citibank representative and it was determined that our credit card was compromised and that a number of the charges on our bill were not purchases made by us. Among them were charges from Macy 's for {$550.00}, XXXX XXXX XXXX for {$17.00}, XXXX XXXX XXXX for {$1100.00}, XXXX XXXX for {$590.00}, and XXXX XXXX XXXX XXXX for {$1100.00}. 
All of these charges were initially credited back to our card. All of the disputes, expect for the XXXX XXXX XXXX XXXX for {$1100.00}, were settled and the credit was permanently placed to our account. 
The charge for XXXX XXXX XXXX XXXX for {$1100.00}, however, was put back on our account. We received a letter from Citibank dated XX/XX/XXXX informing us that they reversed the credit on our account because they were able to verify that the merchandise was shipped to our address. It is correct that the merchandise was shipped to our address, and, in fact, we are still storing it in our living room until this dispute is resolved. But we never ordered it, have no use for it, and do n't even understand what the merchandise does. If anything, I believe that we are owed storage fees. Based on the shipping label, the order was made from a phone number ( XXXX XXXX XXXX ) that is not associated with us. We have tried this phone number and got a live person on the other side of it, but she refused to identify herself. We have no idea why the merchandise was shipped to our address, but the only plausible explanation is that XXXX XXXX XXXX XXXX got this address from the credit card company, Citibank. We have called XXXX XXXX XXXX XXXX three times on XX/XX/XXXX in an attempt to return the package. XXXX XXXX XXXX XXXX indicated that they will email us a return authorization label, but they never did. This merchandise is heavy and costs a significant amount to ship back at our expense. In addition, there is no guarantee or indication that the credit will be restored if the company does receive the merchandise back. 
In further follow-up attempts, we called Citibank on several occasions, including : XX/XX/XXXX was asked to write an email to the Billing Dispute department referencing a case number XXXX, which we did on the very same day. There was no response. 
XX/XX/XXXX was told that someone will get back to us, but no one ever did. 
XX/XX/XXXX was told that Citibank will not reverse the charge. 
We can not and should not be held responsible paying for a merchandize we did not order that was part of a greater fraud, and that the only reasonable explanation to how the merchandise was shipped to us is that Citibank somehow provided that information or it was obtained from Citibank as part of a security breach. At this juncture, it appears that Citibank is illegally colluding with XXXX XXXX XXXX XXXX to charge us {$1100.00}. 
Respectfully, XXXX and XXXX XXXX
I started with this bank roughly two months ago. I used it for a couple of days, then a few weeks later, I was unable to access my account. I called the company, informed them about the problem. I was then transferred to the fraud department, and verified my information. The representative was rude, and told me that I had to go in with my Identification card to a local branch to resolve the issue. As told, I went to the branch, sat down with a manager, and he spoke with the fraud department and I as well, account was cleared. I was able to access my account for about twenty minutes, until I received the same error as before, " invalid login ''. I contacted the fraud department again, plead to them that I already went through the process of verification with the fraud department. I told them I run a business, I was told I could n't use the account for commercial use. In order for me to reactivate my account, I will have to be investigated by the fraud department. I transferred money from an external account as well as used, XXXX, for my clients. They indicated it as FRAUD. There is no fraud on my account. The claim was submitted on X/XX/17, and I was told that an investigator will contact me regarding the freeze/hold on my account within 48 hours. NO ONE HAS CALLED YET! I called them twice, spoke to customer service department, transferred to the Fraud department and get hung up on. Holds up to thirty minutes. Just not fair. It has been almost two weeks with no contact, and a lot of my funds are in there.
This is a extension of a problem we have with Reverse Solutions , Inc. Our mortgage number is XXXX. 

We have done all we were requested to do. Paid the amount asked, acquired flood insurance and now there is a mix up on their end and we have XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Wisconsin XXXX harassing us and threating to forclose on our home. We are XXXX & XXXX years of age respectively an in fragile health and yesterday I lost my sister. They were extremely rude on the phone and we would respectively like some action taken to stop this harassment.
I opened a checking acct on XXXX 2016, at US bank with a promotional ad. The ad said if I opened the acct. with direct deposit US bank will give me {$200.00}. I opened it over 4 months ago. I spoke with employee XXXX XXXX who claim she does not know anything about the ad. I spoke XXXX XXXX, who spoke to someone at the main office. I was told I qualified for the promotion, as long as I did not have a negative on my acct. They said I should see the money by the end of XXXX. Here is XXXX and still no money. I 've been to the bank several times no success. Hopefully you can help.
XXXX, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Dear Sir or Madam, I am hereby submitting a complaint to Citizens One Home Loans and their escrow waiver fee policy. For the past three months, I 've been trying to cancel and waiver my escrow service with Citizens One Home Loans. However, before I am able to do so, I must pay Citizens One an escrow waiver fee of approximately {$960.00} in order to cancel my escrow service. 

In review of my signed documents ( the good faith estimate and truth in lending documents ), there is no mention of an escrow waiver fee and this was further confirmed by Citizens One 's own review. In addition, no mention of an escrow waiver fee was informed to me by my loan officer at any point of the mortgage process, either in person, phone or by email. 

Despite of all this, Citizens One Home Loans insists that I pay an escrow waiver fee in order to cancel my escrow service. As a result, I am submitting this complaint that Citizens One is unfairly demanding a fee for which I had prior knowledge of and/or accepted as part my mortgage loan agreement/contract.