WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX my payment of {$550.00} was returned for NSF. It so happened that money was taken out by mistake from the State of California. Thus causing me to bounce my check. I have had this lease for 3 years and I have never been late. My credit score went down because of this action and it will affect my ability to buy my car at the end of the lease. Which is due on XX/XX/XXXX.
I am currently 2 weeks behind on my loan with ( insta loan ) the day after i had missed my due date, they have continued to call me every single day, non stop sometimes 3 times a day. now it 's got to the point where they have came by my house and left a letter. this is getting out of hand. I told them i would pay them when i get some money up, and i had also spoke to the manager last time i went in about his employees being very rude on the phone.
Pleae remove these inqiuries XXXX card, XXXX, XXXX, XXXX, XXXX and my XXXX card wwas paid in full, XXXX  credit card, XXXX loan paid in full with no balance. please remove XXXX  XXXX credit card. its over 7 years old please.
Ocwen has been working with us to perform a loan modification per the HARP program. Recent policy changes has delayed the process. I recently began a loan modification b/c the loan to home value is upside down due to the market crash which means I could not refinance. Also, I have not lived in the home for over 6 years and I need to remove my name to buy my own property. Included, we discussed my separation from my wife which means I no longer live in the home. They began the process by trying to modify the loan and removing my name from the loan so I can move on and buy a home on my own. I was told that it was possible and I would need to submit a certain list of paperwork. Since the beginning, the list changed. The last change required a quit claim deed to remove me from the deed and then loan. After going through the difficult process of getting my ex-wife to agree to start the paperwork and the grueling time and effort it took to get the claim through the county clerk, I was told that the policy changed and they can no longer assist me with out submitting another document which includes a finalized divorce decree. Per the manager, this may not guarantee anything. Their only concern has always been to get our payments up to date. I feel like I have been given the run around, no concern for my needs and a total disregard to the government program that is in place to help people in my situation. Corresponding with the representatives is difficult if you are not used to the language barriers. You can never reach or get a response by the same representative. Policies change which prevent progress on actions being taken. Documents needed always change or the list is always incomplete. Takes weeks/months to accomplish anything and by that time, a policy changes that conveniently keeps actions/requests from being completed as desired by the customer.
My information on my  XXXX  credit report is not accurate.     It shows that I paid late on my mortgage with  Banco Popular  multiple times.  XXXX    XXXX   was the servicer during that time . Banco Popular b egan servicing the mortgage on  XXXX     2015. Th ere are multiple  30, 60, 90 and  120 day lates on my credit from before  Banco Popular bega n servicing my mortgage.     These should not be on my credit. Please verify the date  Banco Popular  became the servicer and if any payments after they began servicing were late.
I have been contacting Equifax for the last three months to remove four collections that are not mine They continue to cause me problems XXXX and XXXX have fixed and also Equifax had put a fraud alert without my consent I am also unable to file disputes or pull my credit online because the questions they ask to verify me is inaccurate and not real They dont care and they continue to sabotage my credit and reputation Here is the following collections that are not valid along with not mine and fraud XXXX XXXX {$45.00} and {$35.00} I have told them this was taken care of back in XXXX they continue to report this as real along with an unauthorized charges from XXXX XXXX XXXX for {$620.00} and I was not in or living in virginia and I had submitted proof along with the fact that if they were actually doing a real investigation would see this by my addresses on my credit history as proof too. Now I have a new charge from XXXX XXXX XXXX for {$690.00} as someone used my identity and the police told me to notify the credit bureau and Equifax does not fix this along with a collection to XXXX XXXX XXXX for an inaccurate collection as I have had Medicare and Medicaid insurance for 9 years I was not even living in virginia or there the time of change along with XXXX XXXX I had lived at that address previously 9 years ago and do not know who is the company Also the XXXX XXXX   charges were in XXXX and a collection company illegally opened up credit collections on me when these were paid and also by law should not be reporting the collection company decided to add in a new name Equifax gives me so much problems and makes my life very complicated and do not fix the issues Equifax had also told me last year I was included in their data breach and they have not dont their job to make things accurate and fair for me
After the XXXX security breach, summer ofXX/XX/XXXX, I had my credit frozen. I signed up with XXXX  Credit monitoring just to be safe.

I have had an excellent credit score in the 800 's for many years.

I was notified XX/XX/XXXX that my credit score has fallen 54 points on all three reporting agencies. There is no indication why this has happened. It seems arbitrary. Nothing has changed. No new credit. No new loans. One very small credit card balance was paid off, but that should not have effected my score this much. Everything is the same. Bills are paid on time or early and usually with more payment than necessary. No hard or soft inquiries. No one seems to know why this is happening. I have written a letter to XXXX  Credit monitoring to ask why this is happening. I honestly have no faith in them responding. If they notify someone of a 54 point drop in their credit, you would think they could tell you why.
I get phone calls from conn ' s corporation several time a day they usually call from 4 different numbers calling me at least 5 times or more with in an hour.
My student loan servicer Navient has for the last two years made signing up for a repayment plan that fits my budget extraordinarily difficult. Last year it was failing to process my IBR renewal in time and letting my plan default to the 10 year schedule. This year it is attempting to defraud me of more money by failing to accurately verify my household income. And this is on top of the already usurious interest rate I am charged by the federal government. 

The fact that this life destroying evil is allowed to fester and get worse is a testament to how corrupt this country has become. This once proud American is now ashamed to call himself one.
I have received letters in the mail from Check Smart, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX say they work with Check Smart and all three companies are calling about a debt i supposedly owe them. They have called my cell phone and my place of employment multiple times. I have spoke to multiple employees at Check Smart, specifically XXXX and XXXX ( XXXX ext XXXX ) from their corporate office, and have spoke to XXXX about what the debt is and how to resolve the issue. I have them asked both of them not to contact me at my place of employment and to not call my work number at anytime on any day. I explained to them when I am available and when I can be reach and how to reach me. They have disregard my wishes and continue to call my place of employment and harass and threaten me. 

They have left a message at my work on XX/XX/XXXX @ XXXX, I called back at XXXX and told them not to call my work and only to call my cell and to please send me a debt validation letter, in which i still have never received. The gentlemen on the other line got upset and start telling me to get my XXXX  together and be responsible and pay the debt otherwise he will have the police involved. 

On XX/XX/XXXX at XXXX XXXX from Check Smart Corporate called my work again and specifically asked to speak with my boss and my associate said I was available to speak to her and not my boss and she refused to speak with me and wanted to only talk to my employer. I have missed calls from them also on XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX. I have called them back on multiple occasions and have spoke to both XXXX and XXXX and asked them to please immediately remove my work number from their system and to no longer call my work because my employer prohibits me from receiving communications like this at work. 

XXXX said she removed my work number from the system so I would no longer get calls at work. And then today XX/XX/XXXX at XXXX XXXX called my work again, I told her to stop calling and she said she would continue to call me at work until I pay off the debt in full. I have in the mean time sent them two letters, on XX/XX/XXXX about # 1 on how and when to contact me, and # 2 to send me a debt validation letter so I can more clearly understand the situation that is going and I can make a more informed decision on how to move forward. I have tried to calmly resolve the issue with them and they continue to still disregard my wishes not to call my place of employment and continue to harass and threaten me. XXXX went on to say she calls my cell phone from the number that she calls my work from and I have no missed calls from that number ever. I had told her not to call my work number to remove it and gave her my cell phone number again and told her she is to only contact me on that number.
I disputed an unathorized charge on my JP Morgan Chase checking account for {$630.00}. Weeks later the provisional credit was reversed stating that I authorized this charge and I did not. I contacted the merchant with Chase rep and they told them it was a cancelled order ; A cancelled order that I also did not authorize. The Chase rep stated they could not do anything even with the statement from the merchant. I tried to dispute this for several days with no assistance from the bank and continued denials. After two weeks If disputing Chase closed my account for no reason. A rep said that it was there decision and there was nothing that I can do. BEWARE OF JP MORGAN CHASE UNLESS YOU WANT YOUR FUNDS TO BE STOLEN!!!!!
I spent most of last year building my credit in preparation for a home purchase. In XXXX or XXXX I called Transunion to find out why they had not mailed my score to me yet. They told me my score on the phone, reported it as XXXX ( I later received written notice that the score was XXXX ). I called the bank and told the mortgage counselor my score and they advised me to have my credit run for a mortgage. The bank ran my score and told me it was a XXXX. I asked them to remove the inquiry because I relied on false information given to me by Transunion. The bank refused. Transunion refused to help me in that request.
I had an incorrect ACH withdrawal made from XXXX on my PNC checking account. 

I spoke with XXXX and they gave me my options for addressing the situation. 
There were several, but the fastest one involved my contacting my financial institution ( PNC ) to resolve the problem through the Automatic Clearing House  procedures. 
They told me to specificall ask to " unauthorize the charge ''. Then they placed a forbearance to allow time to resolve the incorrect charges.This call took approximately 25 minutes. 

Next I called PNC to take care of this. I started with customer service and explained my request. First she stated that this was completely impossible, and that only the charger could unauthorize. That they could do so, but I would need to have them on the line. After that, I asked for the department to call directly so I could have XXXX do that. Approximate call time 30 minutes. 

I called XXXX, and I waited again on the line for XXXX. I spoke with a supervisor regarding the banks request. XXXX said they had heard many things from banks but this was a new one. THey passed me up to a supervisor.The XXXX supervisor told me that Federal ACH regulations allow consumers to unauthorize an incorrect charge within 60 days of charge being made, and that I should call back my institution XXXX time about 15 minutes. 

I called back PNC. I explained what I was trying to accomplish. THe agent said she spoke to her supervisor and the ACH department. They explained I could put a " stop funds '' request, but that since it was not 3 days prior to the charge that it would most likely not work. They said then after 2 business days I could request a refund and dispute the charge. I mentioned the regulations and asked her to speak again to her supervisors and they again said that whoever I spoke to did not know anything about banks and who was XXXX anyway! 

After another call to the supervisor at XXXX, where the supervisor gave me the error code and affirmed their ability to unauthorize and ach I tried one more time to PNC with no result. 

So I have now spent four hours on the phone today. 
I would like to report PNC for failing to follow Nathional ACH regulations ( at least as I understand them. ) The people I spoke to at PNC were, XXXX XXXX, XXXX?, with supervisor of XXXX XXXX, and a XXXX who they said worked with ACH transactions. 

My contact info XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX email XXXX XXXX
Hello, I have always been in good standing with my HESAA/XXXX loans, and I currently have two loans with them. I had made a payment on XX/XX/18 for both loans, and HESAA/XXXX applied the payment to ONE loan instead of both. So, without ANY warning, phone call, letter, email, or anything notification at all, my other loan was " delinquent '' by only {$140.00}. I quickly submitted payment when this came to light. 

However, and the bigger problem here is, that the negative on my credit report ALSO showed up on my sister 's credit report. My sister is NOT a cosigner. My mother is my cosigner. My sister  should not have any involvement with my student loan or financial obligation. The funds were distributed to MY account at XXXX University, not hers. When on the HESAA/XXXX online portal, there is no mention of her name anywhere to be found to indicate her involvement with my student loan. As mentioned, my mother is my cosigner and aware of the responsibilities that come from being a cosigner.
I have a XXXX XXXX credit card, that I have never been late on, ever and recently just paid off. I was notified that my credit limit was decreased. When I called to find out why, they told me because of serious judgement, which was my bankruptcy but they knew this when they approved me.
Our mortgage on our second peoperty ( condo ) was sold to green tree and we became behind in payments. We went through modification but were denied. We submitted  XXXX  short sale offers which were never acted on by green tree. Foreclosure happened. We never received anything in mail explaining the short sale offer denials nor the foreclosure. For info i had to ca ll the county prop erty tax office. Our credit of course was dramatically impacted affecting many aspects of our life.
I 've tried multiple times to get my annual credit report from equifax. I 've gotten my reports from XXXX and XXXX without a hitch, yet every time I attempt to get my report from equifax at the verification step it has references to loans/cards that have nothing to do with me. Selecting none of the above for each one of these causes a failure in identity verification ( again, on equifax only, I had no issues whatsoever with XXXX or XXXX. ) and tells me to MAIL ( yeah, sending sensitive information through the mail is a really good and secure idea, there ... ) copies of payroll stubs, ect. This same thing happened last year ... If there was a case of identity theft I 'm sure it would have shown up on my other XXXX reports, which it did not. Why is such a group of incompetent ( and ignorant from what I 've gathered over the web, since I 'm not the only one experiencing this ) morons in charge of peoples credit like this? It seems the easiest course of action with them is to subscribe to their service to remedy this, which seems an awful lot like bate and switch, which last time I checked was still illegal ( not to mention immoral, not that today 's businesses readily practice moral or ethical means of operation ). They are screwing over MANY Americans on a daily basis with these practices and should be shut down until they can get their heads out of their butts and shape up, yet these are the people in charge of our credit. This makes as much sense as a chocolate teapot ...
On XX/XX/XXXX, I submitted a mobile deposit of {$50.00} for a check into my checking account with Wells Fargo. Then on XX/XX/XXXX, I received an email notice from my bank that the check had been returned and they charged me a " return check fee '' of {$12.00}. Then on XX/XX/XXXX I took the check to the bank it was originated ( XXXX XXXX ) and they cashed the same exact check for {$50.00} ( plus a fee of {$2.00} since I was not a customer ). I attempted to reach out to Wells Fargo and they initially refunded {$9.00} of the fee they charged me and then after speaking with a supervisor they refunded the other {$3.00}. They Refused to reimburse me the {$2.00} fee that Regions charged me for cashing the check since it was a Third party fee. I have Three areas of complaint against Wells Fargo Bank. 1 ) They refused to cash a legitimate check from XXXX XXXX, 2 ) They charged me a fraudulent " return check fee '' when the check was valid ( since I was able to cash the same exact check at XXXX XXXX, and 3 ) The refused to reimburse me the {$2.00} fee that I had to pay to cash the check at XXXX XXXX since Wells Fargo denied the deposit.
I was applying for a auto loan and I was denied because of my bad credit history. I obtained my credit report from XXXX, XXXX, and XXXX and I figured out that there are several accounts that do not belong to me. I am a victim of identity theft and somebody stole my personal identification information and opened accounts under my name. I filed a police report from XXXX Police Department ( Police report No : XXXX ) on XXXX XXXX, 2014 and sent the police report to all credit bureaus and creditors. Since now, I did not get any results and the credit bureaus refuse to resolve this problem. I called to XXXX many many times and asked them to block the fraudulent accounts but they did not pay any attention to my dispute. I talked to XXXX XXXX who was from XXXX Fraud Department ( he was from XXXX that how he introduced himself ) and he did not even go through the documents that I send to XXXX. He told me that he could only redispute the fraudulent accounts, I told him that since XXXX 2014 and I am disputing fraudulent accounts but still no results. Please help me to resolve the problem, because my credit was damaged for some reason and the following accounts are opened under my name : Bank of America ( acc no : XXXX .... ), XXXX XXXX - ( acc no : XXXX .... ), XXXX XXXX ( acc no : XXXX .... ), and XXXX ( acc no : XXXX .... ). Also, please see attached the police report.
Please refer to CFPB Case:XXXX Dear Equifax, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2018 is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  ( XX/XX/18 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Good Evening, I spent a money order from myself to myself. A validation was required. The person validating this call cancelled my order because I did NOT sufficiently grovel and make nice to him. You really must listen to that conversation.

For instance, I was told, " am talking, DO! NOT! INTERRUPT! ME! WHEN! AM! TALKING! The person then kept quiet for a full 2 minutes to see if I would interrupt him. Any thing I said during those 2 minutes was met with a repeat of same words in capitalized letters.

Then the person cancelled, with glee, my order. [ MTCN ] is : XXXX Quick Recap.

Information given accurately for validation purposes was Name, Date of Birth, email. All identifying information.
Because of my circumstances, being in public, using a public phone, I had no choice to minimize the release of my personal information. That seems to be what set him forth. The idea that I will not willing yell out ( on a public phone in public ) information that can later be used to hack my accounts.

A quick change in protocol might be needed for Western Union. For instance, if the person can't say his name out loud, a choice of possible names could be read out to him. Same as birthdays. Makes no sense to release publicly the very identifying information Western Union itself guards, as a condition of using their services. Unless they believe it is impossible to find oneself in a public place needing your services?

But that still does not change the nature of the tone of the conversation and word choice, which I find very demeaning. Now, I did NOT have a phone with me, but if I did, I wouldn't have needed their services in the first place. I simply would transfer money by phone. That requirement of phones is going to make you them extinct. Used to send thousands of dollars thru Western Union, till they put a cap on amounts. And now, the very few times I use their service, I ended very upset and without the service?
I have been making payments since 2014 and have paid about {$6300.00} +- since then. All of the money paid has been going exclusively to interest except for {$580.00}. I am surprised that none of it went to the principle amount.