WillisBack/dataset-financial-user-claim huggingface dataset:
In the spring of 2016 I joined a gym called XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. In XXXX timeframe I made several attempts to contact the owner by phone and at the gym. I needed to cancel my membership due to the loss of my husband from XXXX and the fact I was moving back to Missouri. The contract said they needed a 30 day notice and I was giving them 60 days notice. I could not under any circumstances catch up with the owner by phone or at the gym. He would NEVER return my calls. So, in XX/XX/XXXX I put my gym key and a note in an envelope and left it at the gym on his desk. On XX/XX/XXXX I moved 455 miles away from XXXX XXXX XXXX  to XXXX XXXX. I assumed he had cancelled my membership. The end of XX/XX/ I was charged once again on my credit card for the membership fee. I called my Credit Card company, XXXX to dispute the charges. I told Barkleycardus do NOT pay any charges to this business. My membership was cancelled and by key was returned. A few days later the owner, whom I still do not know his name, called me and proceeded to cuss me out, threaten me, and told me he was suing me. I called my attorney who said he had no grounds for anything. I told my credit card company to not pay any charges to this business and thought it was taken care of. I have since found out that even though this man knew I was 455 miles away he continued to bill my credit card company and they continued to pay him to the tune of over 500 dollars plus 9.5 % interest. Now my credit card company wants me to pay them even though this gym committed fraud and basically stole from me. I filed a complaint with the XXXX  of XXXX and he started emailing me. Nasty as usual and then tells me he has suspended my account. I had to cancel my credit card so he could not make any further charges on this card. Also, when I signed up for this service his son made the remark that I wouldn't believe how many people sign up and never use the service and they just collect the money. This man is running a scam. He is a thief and he knew in XX/XX/XXXX I was in XXXX  and he knew I had cancelled my membership but he continually charged my card. My problem was not going over my statement. I always had a balance so I never picked up on the XXXX bucks a month he was hitting me for. Some months he even charged me XXXX dollars. I was furious with my credit card company for paying when I told them not to and for him just bluntly committing fraud. XXXX KNEW they were suppose to stop any and all payments submitted by XXXX XXXX XXXX XXXX XXXX. However, they continued to pay his charges knowing the membership was cancelled and knowing I was living in another state.
On XX/XX/XXXX my son bought a car from Honda, which I co-signed. His first payment was n't due till XX/XX/XXXX. XX/XX/XXXX thru XX/XX/XXXX his payments were on time. As of XX/XX/XXXX he started missing payments, NSF & late fees started being assessed. I did not find out about the NSF 's until XX/XX/XXXX. My son was feverishly trying to catch up. I took over the account in XX/XX/XXXX after having brought the account current with only {$100.00} late fee due as of XX/XX/XXXX ( per my calculations ). Per my calculations, the payment of {$500.00} made XX/XX/XXXX was an overpayment. Even if they would had taken the {$100.00} out of this payment I still would have had an overpayment of {$390.00}. Everytime I call Honda Customer Service the reps summarily state " there were NSF 's and late fees. '' No one seems to be able to go over the transaction history line by line to discover the error. I 'm a month ahead at this point. I need a competent person with accounting background to go over my transaction history line by line ( simple adding & subtracting ). 
Thanks
I have made XXXX separate request for TransUnion to delete the late payment that was reported by XXXX XXXX aka XXXX XXXX and TranUnion has continue to report the late payment. I enclosed letters and emails received from XXXX XXXX on their company letterhead validating the company 's agreement to remove the reported late, however, TransUnion continues to report this inaccuracy although they have the document proof. I have continuously requested and provided written proof to TransUnion and yet they blatantly refuse to remove the reported late which is a violation of my rights under the FCRA. I am seeking the assistance of the CFPB to investigate the issue and I have attached proof of the agreement to delete letter.
We started in XX/XX/XXXX applying to BB & T for construction loan. With no debt and adequate income it took 4 months to get approved. The funds disbursement agent was only available by email. If I asked more than one question, only the most brief answers to one of the questions. Yet 3/4 of each email contained all the days she would be out of the office and if she was going to be there - the hours of that day she would be available ... 

When we were finished building in XXXX XXXX, the final draw was issued. Our file was supposedly closed and sent somewhere from the construction dept. Four months went by and I couldn't get a closing date scheduled. I called many times and got a big runaround. I was being charged each month for interest only, which grew significantly due to all funds being disbursed. Every month I was charged {$53.00} for flood insurance. This was to be put in escrow. 

Our portfolio is also with BB & T wealth department. I initiated a request to liquidate the portion necessary to pay off the loan. When the wealth department heard this, a closing happened in 2 days! 

My complaint now is that after paying flood insurance for 2 years, my flood insurance expired!! I was never informed about needing an elevation certificate, although we had one ( pre-final ). So I ordered that and had it sent to BB & T. The insurance agent said she forwarded the renewal and payment requirement 3 times! No payment has ever been made by the bank!! I paid it myself this morning and I will be sending an immediate request for refunding all the excess I've paid over the last 2 years! This has been a nightmare with BB & T since the first day.
On three separate occasions over the past 90 days have requested a free annual credit report from Experian credit reporting agency as available pursuant to federal regulations under the Fair and Accurate Credit Transactions Act ( FACTA ) and the Fair Credit Reporting Act ( FCRA ). On three separate occasions they were unable to provide same and requested additional identifying information. On each of these three occasions I provided a written response which included all of the requisite information. Nevertheless my now fourth request for a copy of my Experian credit report was denied again requesting the same information.
Insurance and Banking agencies use Experian-generated questions to confirm identity. These questions are incorrect and they 've caused me to be locked out of my car insurance account ( a company I 've been with for 30 years ). I 've now spent XXXX5 hours trying to resolve this but : 1. Experian has a phone tag system that leads to nowhere. 
2. I 've tried to get my Credit Report to see if there 's an actual issue, but I 'm unable to. The " system '' informs me to call ExperianXXXX XXXX etc, but ... see XXXX above. 
These companies have far to much power and operate in such a haphazard way. My insurance company said they are receiving MANY calls from customers facing the same dilemma I am.
On XX/XX/XXXX my Citi Card was physically stolen from my car and used to make an unauthorized purchase at a local XXXX store of {$990.00} the same day ( XX/XX/XXXX ). I promptly notified Citi that the card had been stolen and disputed the {$990.00} charge as fraudulent. I also filed a police report with the local police department ( XXXX County ). Citi closed the card down and after some delay issued a {$990.00} credit while they investigated the incident. 

During the first week of XXXX I was contacted by a Citi representative who inquired about charges made at the same XXXX in XX/XX/XXXX. This was of course long before my card was stolen and as such I told them the charges from XX/XX/XXXX were fine. The {$990.00} charge from XX/XX/XXXX was the only charge I was disputing, since that was the charge made with my card after it was stolen. 

Following this conversation I was stunned to receive a notice from Citi dated XX/XX/XXXX, which asserted that I had dropped my dispute and agreed to the XX/XX/XXXX charge of {$990.00}. That was a categorically false statement - at no time did I ever accept that charge. They appear to have used my acceptance of the unrelated XX/XX/XXXX charges as an excuse to drop the dispute of the XX/XX/XXXX charge. In fact they have re-applied the {$990.00} charge to my bill, wiping out the prior credit. 

I have since called Citi numerous times to no avail. I have been told by a representative that they would investigate the issue and call me back 'in two or three days. ' Ten days later, no call. I have been told twice that a credit was in the process of being made. My XX/XX/XXXX bill has now arrived, with a {$990.00} charge but no credit - and no way dispute the charge due to how Citi categorized it. Citi simply refused to resolve this issue properly.
I received another letter from PennyMac about flood insurance and not being covered ... They are escrowing my insurances and taxes and the insurance company has sent them renewal notices but they have failed to pay the premium. This is second time I have filed a complaint and went over all this with them ... .My flood insurance has been with the same company going on the 3rd year and address is the same. I had to send them copies by fax Fri XXXX/XXXX/2015 in which they agreed they received it. I have to send them certified registered or fax confirmation for them to acknowledge they received copies of my insurances. My insurance company and agent are tired of the games and so am I. My insurance company tired of sending them copies of coverage and the bills which they do n't pay on time.
I have asked Experian to erase wrong personal information from my report. They send out report with statement of updated but not erase.
I received a email from XXXX XXXX XXXX  prompting me to review my file as there had been a change to my credit file and I discovered after reading through the 5 pages, that the same company who has been continuously harassing me as well as ruining my fico score is the same company .I have attached the 5 pages. This is the company that claimed I ordered a mail order and I did not do such a thing. They also said that they were going to contact collections and they also did that they need to be stopped and I have tried to do so and I would like to ask for your help as they will not stop. I have did what they wanted and that was to send them a affidavit stating I did not make a mail order. That has not stopped them they have continuously reported negative to XXXX, XXXX  XXXX  shows my score as a XXXX and that is correct as I have worked hard to get my score that way so that I could buy a house. They are using 3 different names and it started out as one.They have used different amounts that they state I owe.
PNC Bank manipulated transaction orders and delayed updating my account balance when items were listed as pending, which led to an overdrafting of my account. They then charged XXXX separate {$36.00} fees ( {$140.00} total ) as a penalty for their error.
In XX/XX/XXXX, after using my allotted forbearance, I was forced to begin repayment on my Navient ( formally XXXX ) private student loans. At the time, I was unable to find full-time work and I could not afford the minimum monthly payment. I called Navient numerous times in an attempt to find a solution that would n't result in default. None of the programs they offered at the time lowered my payment enough for me to afford. 

As the date was approaching where I would start missing my payments, I reached out again to Navient in desperation. The person I spoke to this time explained to me something I had not heard before. I was told if I do go ahead and default, other programs would become available to me through Navient. I questioned why I would have to default first to be eligible for other programs, but I was told this is the way it is. I also asked what the programs were so I could judge if it was worth defaulting for, but I was told that information could not be provided to me beforehand. 

With no other option available to me, I went ahead and missed multiple payments as instructed by Navient. I was then able to work with the Collections Department ( I believe that was the name of the department ) and they offered me a program called the " Interest Rate Reduction Program '' ( now simplified to " Rate Reduction Program '' ). With this program, my payments were reduced to an affordable amount by having all of my interest rates reduced to 1 %. Each year I have to reapply and my interest rate goes up, but I have been able to afford the payment and have not missed a payment since then. 

The problem is I was forced to miss multiple payments before being offered this program which is being reported on my credit reports. After I was on the program and making the payments, Navient continued to report my payment being late for another few months. It was described to me at the time as the payments having to catch up from the payments I missed. The date range that this is being reported is XX/XX/XXXX through XX/XX/XXXX. Since that time, my credit reports/scores have been negatively impacted by this information. 

I later found out from other people that I know who are also on this program with Navient ( including my sister ), that they were not required to default first. This program was available and offered to them without any negative impact to the credit reports/scores. I have attempted to dispute this information through the XXXX credit bureaus and with Navient with no luck.
I had two credit cards with XXXX XXXX XXXXXXXX, both of which have been coded as bankruptcy. Although my report does n't officially show a bankruptcy ( because i have never filed bankruptcy ) it does state under the notes that accounts were discharged in bankruptcy, and this information is inaccurate. My mother was the person who filed bankruptcy. I have brought this matter to XXXX XXXX XXXX in various opportunities within the last 2 years, to no resolution. Nobody is willing to help me. I have been turned down for credit, and the only reason is because my report states that XXXX XXXX XXXX reported an account in Bankruptcy. In the past, credit agencies have closed their inquiries because they state that I do not have a BK on record, however, when you did into the XXXX XXXX XXXX accounts, the notes they provided indicate that there was a bankruptcy, and this is picked up when i apply for credit. These accounts have also been closed for many years. Please have them remove these accounts from my credit altogether.
By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package on XXXX XXXX, 2016 that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.
I was attending XXXX XXXX XXXX and I was terminated for failing XXXX class because of my teacher. I was on academic probation and I was told if I did not pass all my classes I was going to be terminated. But my teacher did not help me or try to reach out to me instead he made me feel very uncomfortable and I felt left out of the class. I attended XXXX day and he marked me absent and I got dropped from the class. I talked to the XXXX about it and I asked if there was any way I can make up that class, he said to talk to my teacher. My teacher did not take interest he said there was no way I could do the work. I had no chance I passed all my other classes I felt like it was not a fair move. I know someone that was in the same situation as me but they had more encouragement from the dean and staff instead of me. I was told about my situation until I was almost done with my courses, I was suppose to graduate later this year in XXXX. Know I cant get back into school because my credits ca n't be transferred and I 'm left with student loan debt.
I contacted Medical Data Systems today as there was a negative report that posted on my credit report on XX/XX/2018. It was found during my mortgage application process. The mortgage company gave me the contact information for the company and advised me what to ask for. I spoke to an initial agent who was very rude. She confirmed that the phone number that they were calling was my old home number which we do not use anymore. I advised her of that information. She then gave me my husbands cell phone number which I advised was a cell phone and that they didnt have permission to call. Before I could tell her that he had not received any calls, she stated " you received care in the emergency room so you need to pay your debt. '' I asked her the amount and was given {$64.00} and {$150.00}. I told her I would be happy to pay it as long as I got a letter stating what hospital it was, the amount, that it was paid in full and that they would remove it from my credit report. She then told me they don't do that and that I cant pay to clean up my credit.I advised her at that time she didnt have to be rude and that I wanted a supervisor or manager. She then told me that her supervisor would tell me the same thing. I said thats fine and I would be happy to pay, but I needed that letter. She then transferred me to a lady who identified herself as XXXX. She was aggressive from the time she got on the line. She repeated the same thing the other agent did. I then stated that since they would not help me obtain a letter on the debt and remove it from my credit report I would call XXXX Hospital directly. XXXX then told me that they were employees of XXXX Hospital and that they do not outsource their collections department. I knew that was false as I lived in GA and the company was in Florida. I let her know that I would be calling the hospital directly and ended the call. I called XXXX Hospital and spoke to a lady named XXXX. I explained to her what had happened and what I needed. She advised me that XXXX and the other lady I had spoken to were not employees of XXXX and that she would notify her manager of their rude behavior and false statement. XXXX provided me with a receipt and said I would also receive a detailed statement that the balance was {$0.00}. She also stated that they would contact the company to let them know to remove my information from their files and that the accounts were paid in full and that they should remove it from my credit reports. XXXX also advised me to dispute the item with the credit bureaus as well. This company should not be making false statements as to who they are and what company they work for.
This is my XXXX complaint with Ditech and XXXX. This situation has been ongoing since XXXX XXXX. I 'm doing everything I can to keep my home. Ditech foreclosed on me XXXX XXXX, XXXX and after filing my XXXX complaint with CFPB they rescinded the foreclosure in XXXX XXXX. At the current I 've been paying rent on my home. 
A new appraisal was done to get the true value. The new price is {$69000.00}. The foreclosure price was {$98000.00}, my underwater price was over {$100000.00} dollars. The agent has requested several times for a price I would have to pay to get my home back, but has yet to receive an answer. They will not let me or my son purchase it for the new appraisal price even though they are allowing someone else to do so. I just want a fair price so that I can keep my home. 
XXXX have stated in a letter that I have the option to purchase but have yet been given that option. If any help can be done by your company it will be deeply appreciated. 
Sincerely XXXX XXXX
This complaint is related to my previous numerous complaints against Citizen 's Bank and our application for refinancing which took more than one year but yet created problems and aggravation. The process for refinancing to 2.75 % home equity line of credit was complicated because the title deed of our residence is held in the name of a trust of which our grown up kids are co-trustees. Our daughter lives in Oregon and son in Pennsylvania. Documents for home equity line of credit needs their both notarized signatures. Time and again those documents were not done as required ( and we do not know the reason ). Finally the 2.75 % was given to us but the line of credit was suspended. In 2017 Citizen 's  bank increased the rate on this loan twice although the Federal Reserve raised interest rates so far only once. In XX/XX/XXXX the rate was raised to 3 % and in XX/XX/XXXX to 3.25 % which apparently was made to penalize us. Citizen 's bank started the process to make the documents again by sending our daughter mortgage documents again but raising the rate in XX/XX/XXXX clearly appeared to be punitive.
To Whom It May Concern, I am writing you in regards to late payments on my credit reports (  XXXX ,  XXXX , and   XXXX    XXXX  for my  Victorias Secret  account.     I understand how important it is to make timely payments, and that failure to do so can create inconvenience for you. However, I missed payments because at the time I was very young and did not have a general understanding of how all student loans work. Over the past couple of years, I have experienced job loss, loss of a child, and an eviction. In the last year, I have achieved job stability in which I am truly confident that I will not miss any payments. I have taken steps to ensure my financial responsibility moving forward.     As a courtesy, I am requesting that  Victorias Secret  make a goodwill adjustment and remove the late payments for the following credit card ; so that I may qualify for a USDA home loan. I understand that I am requesting a lot from you, but please know that any consideration would be a blessing.      XXXX   6 M issed Payments  XXXX  and  XXXX   XXXX   XXXX ,  XXXX ,  XXXX , and  XXXX   XXXX    XXXX    6  Missed Payments  XXXX  and  XXXX   XXXX   XXXX ,  XXXX ,  XXXX , and  XXXX   XXXX    XXXX    6  Missed Payments  XXXX  and  XXXX   XXXX   XXXX ,  XXXX ,  XXXX , and  XXXX   XXXX  I have worked extremely hard to get back on my feet and repair my credit. This will definitely help improve my credit worthiness and give me the renewed confidence as a  Victorias Secret c ustomer in good standing.     Thank you for your time and consideration  XXXX   XXXX