WillisBack/dataset-financial-user-claim huggingface dataset:
I 'm a XXXX veteran living on social security and XXXX. I cosigned a loan for my daughter when she was in her last year of college in order for her to work as an intern and complete her degree program on time. She graduated, bought a dependable car, got a job in XXXX and two years later was married. She now has XXXX small children and a husband who provides for the family and struggles to make ends meet. He is an XXXX and work is feast of famine. His work has been showcased around the world but sales of his work are not steady. Recently we started receiving these letters. My credit score has dropped more than twenty five points since XXXX. I want to help my children, but my resources are limited. My son-in-law is doing the best he can and is working tirelessly to provide for his family. I need to get him the help to get these threatening people to backoff. I want them to leave me alone and not mess up my good credit that I worked years to get.
I am an American Express XXXX Card customer. I have been since approximately 2004. Until last week, for the proceeding 13 years, I was able to mark, investigate, and/or challenge questionable charges via the American Express XXXX Card customer portal. Without explanation, last week, American Express revoked my access to do so. I would like that access restored.
The purpose for my complaint today is because I have tried to log in to my lowes account online and it is not allowing me to log in. I called in and spoke to a representative in the fraud department whom then sent me a code to my home phone number and verified that it is me. She proceeded to tell me that my account was triggered due to my recent address change. She then explained further that some aspect of the account sent my account for management review and that there is nobody that I can speak to call back in 1 week. I find this situation to be ludicrous due to me being a lowes credit card customer since XXXX of 2014. I have never been late on my account and have not gone near my credit limit. I proceeded to ask for a corporate number and was told there is no such number.
For the THIRD time in FOUR years Bank of America has attempted to force my property into foreclosure. They accepted payment for the loan and sent a confirmation that payment had been received and that the account was current. On XXXX XXXX, I received a notice that they were accelerating the account to foreclosure because they had not received two payments. THIS ACCOUNT IS CURRENT. IT HAS BEEN CURRENT EACH TIME THEY HAVE ATTEMPTED THIS. After 2 1/2 months, they are no CLAIMING that the bank refused to pay the check because the account was closed. IT IS NOT CLOSED AND THE XX/XX/XXXX AND XX/XX/XXXX PAYMENTS WERE MADE FROM THE SAME ACCOUNT. They are CLAIMING they sent me a letter to this effect. THIS IS A LIE ; I RECEIVED NO SUCH LETTER. They are claiming that they attempted to call me. AGAIN, THIS IS A LIE. NO ONE HAS EVER ATTEMPTED TO CALL ME.
I had a private student loan with Citibank, which has been a problem for years. After being told it was placed in deferment while I was in grad school, I later found out that I was not eligible for a deferment after months of not bills, phone calls or any contact from the company to inform that the account had been marked as delinquent and turned over to collections. I worked out a payment plan with the collection agency and later settled the debt. I have l letter stating that the debt has been settled but Citibank continues to report that my account is past due. This has affected my credit to the point that I am unable to buy a car or get approved for a mortgage. I need this fixed immediately or I will seek legal action and ask for damages. I have disputed this with credit agencies who insist that Citibank is correct in showing that I owe them money. I have attached a letter from the collection agency stating that this account has been settled and the collection agency confirmed this information with Citibank. This is the fourth time I have had to file a complaint against Citibank concerning this matter and their inability to do due diligence and report accurate information and honor their word.
I have been contacting XXXX, who appear on my credit file as XXXX, trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires date of XX/XX/2017 Neither of these did i authorize or give permission. they are a result of fraud.
As is in the loan agreement, I have at least 3 days notice, in my case 5 days notice to stop ach payments. The company did not stop the ach payments and as a result I was charged bank fees for insignificant funds.
It is my understanding that money orders are to be regarded as cash not as checks that have to return from any 'originating bank ' for funds availability. Consequently, it remains my business intention to have said money orders returned to the United States Post Office so that they may give protection from the intent to accuse of depositing check ( s ) instead of money orders that were somehow found 'counterfeit ' after 'depositing '. Peace
Fifth Third Bank debited my account an amount that was almost double what they were authorized to debit to pay for an insurance policy.

They asked me to provide proof of insurance coverage on XX/XX/XXXX and I submitted on XX/XX/XXXX that proof of coverage.

On XX/XX/XXXX I saw that the amount debited from my account was around {$950.00} whereas my monthly payment was around {$540.00}.

When I called in they said they had received the proof of coverage but that the loss payee was incorrectly listed as " XXXX XXXX XXXX XXXX ''. That is correct, the proof of coverage I provided had this clerical error on it. However, no one from the bank contacted me to inform me that the proof of coverage was defective. Instead, they purchased a new policy for me at a cost of {$3500.00} and began billing me for it.

I'm concerned about a few things in this situation.

First, I believe that Fifth Third may be in violation of the EFTA regulations regarding pre-authorized electronic funds transfers. Per 12 CFR 1005.10 ( d ), " When a preauthorized electronic fund transfer from the consumer 's account will vary in amount from the previous transfer under the same authorization or from the preauthorized amount, the designated payee or the financial institution shall send the consumer written notice of the amount and date of the transfer at least 10 days before the scheduled date of transfer. '' I never received any notice about the roughly {$400.00} increase in my monthly payment.

Secondly, the bank 's failure to notify me of the fact that they deemed my proof of coverage defective seems convenient. I haven't done legal research to determine what statute or regulation this runs afoul of, but this particular practice seems like a fraud. When I bought the policy from XXXX XXXX, I believe it is XXXX XXXX 's practice to notify the lienholder of the existence of the policy. I don't know yet whether XXXX XXXX  did that. But, I provided Fifth Third with proof of coverage, like they asked for, and they did not seek to contact me or XXXX XXXX after determining the coverage had a clerical error on it. This is wrong.
CONVERGENT {$1600.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
I recently checked my credit and I noticed my reports for TransUnion,   XXXX   and  XXXX  contained inquiries from companies to which I did not grant permissible purpose to pull my report for any reason. I have no idea how they could have gained access to my information without my consent but it is damaging to my credit and I want them removed. They are as follows :  Trans   Union  :     XXXX   XXXX   -  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX  :   XXXX   XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX  -  XX/XX/XXXX    XXXX   :   XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  I  also thin k that it is strange that the multiple pulls from  XXXX  and   XXXX   XXXX   were p laced on several different dates.
Dear CFPB, I contacted you awhile ago about a mistake on my credit reports. In XXXX of 2013 I decided to try XXXX XXXX for a XXXX month trial period. I paid, use their service ( while still keeping my account with XXXX XXXX open ) and found I did n't like it at all. I closed this account, paid what was a small bill since I paid the other bills beforehand. Remember, I never closed my account with XXXX so I never had to reopen this account. I told them to come and pick up their equipment. Never happened! Since I paid the last of the bill I owed, I assumed this was it. They said they would send someone out to pick up the equipment, and that never happened! Then I called again and they said they would send boxes to me to send their equipment back to them and it never happened! Just trying to tell you what type of company I was dealing with. I have worked hard at getting my credit reports clean and paying all bills on time and mind you, never making the minimum payment. As you can see if you check my reports. Everything is paid on time if not before time. I found this on my credit report last year! Was shocked to see a {$67.00} bill on there from them since I paid the last of their bills many, many months ago! I have tried to no avail to get this removed from my reports. Calling XXXX, sending them emails, etc. I have also disputed this many, many times with the credit reporting agencies to no avail. I finally gave up and paid a bill that I DID NOT owe. I just wanted it removed from my reports since I have worked so hard to get where I am. ( all of their equipment : my wife, who broke her back before this, had to track through the mall with all of this heavy equipment to drop it off at a XXXX store. ) I do n't know where to turn. I just want justice. I ca n't seem to get anywhere with XXXX. I see many of these complaints! I just want this removed from my credit reports. They 've had all of their money ( plus more ) for quite some time now. There is no reason to do this to innocent people. I have been a customer of XXXX for many, many years and have never had a problem with billing. Please help me remove this from my credit reports. I feel I 'm being targeted because I did n't like their service. I get numerous advertisements in the mail from them to this day. If I had done what they accuse me of, I do n't think they would want me as a customer. If you need anything, please let me know. I have photos from my reports. I do n't care if I have prime credit cards, it 's the principal. They are just making me look bad in the eyes of creditors. This seems very unfair. Not good business practice. Thank you for trying to help the XXXX time, as a result, XXXX has removed this but Experian and XXXX have not. I have other screen shots but I 'm not sure I can upload anymore than XXXX. Please let me know if you need any additional ones. 
XXXX
I have tried to apply for an income based repayment plan. They are now telling me I need to apply again for the  3rd time sin ce  XXXX . They state I still have  one p ending. This has been going on for months, meanwhile they raised my payment to over {$1200.00} a month when it is supposed to be {$450.00}. This has caused me to have to forebear payments which is causing a negative amortization on those loans.
On XX/XX/XXXX I contacted XXXX XXXX XXXX to start the process of refinancing my primary and home equity line of credit. I was informed that there were NO real estate loans reflected on my three credit bureau reports. I have had the primary loan since XX/XX/XXXX and the LOC since approximately XX/XX/XXXX. 
The original mortgage was taken out through XXXX XXXX  XXXX XXXX, VA. In XXXX, XXXX XXXX XXXX acquired or merged XXXX XXXX. Both loans were reported under the XXXX name after the merger. On XX/XX/XXXX Union Bank and Trust of VA  bought XXXX and acquired XXXX 's loan portfolio. 
I contacted my bank 's branch manager and the bank 's customer service department, Both contacts responded that their loan department had " legally '' determined they were withholding credit information for due deligence for a period of sixty days, and I could expect the reporting to resume at the end of XXXX. My Branch Manager twisted someone's arm and supposidly was able to have the bank manually forward my credit history with them in XX/XX/XXXX It would take 72 hours for the data to be uploaded. 
On XX/XX/XXXX I checked XXXX XXXX. XXXX  still did not reflect my real estate loans. XXXX  did reflect one ( 1 ) real estate one, with most recent activity being XXXX, XXXX. Today, XX/XX/XXXX neither XXXX nor XXXX  reflect any real estate loans on my credit file. 
On XX/XX/XXXX {$30.00} was removed from my checking account via on-line banking. That payment went to an incorrect account. The customer service folks were informed of the lost payment on XX/XX/XXXX, after I had received a phone call from the vendor. To date I still do not have my funds back. 
I have treid to speak with a bank officer, but have been told that information is not available to customers. 
I want to be able to get my mortgages and my checking account out of this bank " Union Bank and Trust of Va '' as soon as possible- but they are holding my information.
My wife and son received a call from a  XXXX   XXXX   XXXX  claiming that  XXXX   county law offi  cer  where trying to serve me with court papers. My wife called the company back and was told that his name was  XXXX   XXXX , who called our son and told him it 's a civil/criminal lawsuit. He started to tell my wife I owed a debt to Home Depot sinc e 2006 an d that I had a court case in a week and that is f I did n't pay the debt of  XXXX  I would also have to pay for court fee and attorney fees. He stated he has sent legal service notice to our address 2 times and no one was home. He also left a message on my wife 's cell phone stating we had been served my written notice over the voicemail. He asked my wife that he could settle the debt if she paid him right now  XXXX . My wife proceeded to tell him that she would make no such payment and research the matter. They also claim to get my sons cell number because I used him as a reference  in 2006. My so n wa s in high schoo l and had no cell phone.
I previously instructed XXXX to discontinue communications with me in all shape, manner and/or form. Recently XXXX representatives have begun contacting me regarding information I sent to the CEO 's Office. I have not communicated and/or forwarded information to the CEO 's office since I instructed XXXX to cease and desist. They in turn have begun calling and sending emails and XXXX Message notices. This is in strict violation of the cease and desist. Additionally, XXXX sold the alleged credti card debt to the Northland Group who in turn have been contacting me. Due to this transaction, XXXX does not even have standing and/or an interest basis to be contacting me except to harass. I provided the Northland Groupd an opportunity to provide me strict proof of any debt obligation related to the credit card debt they are seeking to collect but they failed to so so. As a result, I have also ordered the Northland Group to cease an desist in all forms of communications. The correspondence ( s ) are attached.
I am in the process of applying for a Mortgage loan. In Early XXXX, I noticed that the wrong Balance/Credit Limit was being reported on XXXX of my account. I called the Live Help Line of Equifax and the CSR asked me to tell her the correct information. However I just requested my Credit report today ( XXXX/XXXX/15 ) and the only information which have been updated is the Credit Limit. Almost 1 year of my payment history is not updated. Upon further review, I noticed that all my account listed on Equifax are missing my actual credit limits/payment history/balances.
Obtained a Wells Fargo Visa Rewards card, and was upgraded to the XXXX Platinum Rewards card. According to the online marketing information, I was eligible to receive " Unlimited 5x points on grocery store purchases! '' ( that wording has since been removed from their site. I made purchases that did not violate the T & C 's ( XXXX ), and was sent a letter telling me to cease all purchases that they considered to be against their T & C 's after receiving the letter, else they would be closing my account. I immediately stopped using the card, and they cancelled my account two days later. I had XXXX XXXX rewards points available to me that were placed in a pending status with a date of XXXX, then it was moved to XXXX, then said " frozen '' and I could not redeem them. Now on the site they simply say " forfeited ''. 

I did nothing against the Terms and Conditions I signed up for, and Wells Fargo took away all of the rewards I used from their card ( rewards I could have earned elsewhere, but chose to do business with them ). 

I called and they said they could not do anything about the account being closed. 

Now I have a closed by creditor account on my credit report, and they took all my rewards away.
In  XXXX  o f 2015 Debt C  ollectors by the  na me SHAPIRO, DICARO & BARAK employee sued in the Supreme  Court of  XXXX   County wi thout ever properly serving i, my husband, and grandfather of the lawsuit. Debt  Collectors by the name SHAPIRO, DICARO & BARAK employee/ associate stated on the court record they   served  XXXX   XXXX   XXXX    , in wh ich the Deb t Collectors, SHAPIRO , DICARO & BARAK claim is a family member of mine. I do not   know of any person by the name  XXXX   XXXX   XXXX   nor do I have any family by that name.
Dates - every month I have only received about 4 paper correspondences in almost 3 years with this company. I have never received the card itself and have given them the correct address multiple times. They have closed my account without my permission 3 times. They charge XXXX dollar late fees each month even though they have not sent me a bill or the card. They harass me by calling 3 to 4 times an hour if the payment is late due to then never sending a bill. I have tried to enroll in auto pay 3 times over the last 3 months and it has not gone through. I also enrolled in paperless billing in XXXX hoping I might receive an emailed statement to no avail. It is of my opinion that this company purposefully neglects their end of the consumer/creditor responsibilities in order to charge ridiculous late fees and harass their consumers.
I submitted a dispute to all three credit reporting agencies. I just received a response from trans Union stating that the collections placed on my credit report by XXXX XXXX XXXX was verified. I had previously paid the original bill issued by XXXX XXXX and submitted copies of payment from the XXXX XXXX website confirming payment as well as all copies of bills. It greatly disturbs me that this investigation by Trans Union states the information was verified when I have paid what was owed and submitted documentation. The first time when I even heard of this collection agency was seeing it on my credit report. I do not feel it is fair for me to have to pay again for a bill I have already paid. I greatly question the dispute investigation validity. I am seeking help with this matter because I have worked very hard to maintain good credit and to have this invalid information on my credit report greatly disappoints me.
Experian is reporting incorrect information on my credit report. XXXX XXXX XXXX XXXX ( XXXX  ) is not in compliance with Metro2 Reporting. XXXX is reporting 30-60 day late payments for XXXX, XXXX, XXXX and XX/XX/XXXX which is not correct information. XXXX is also not reporting the correct address. The address ID associated with this account is not mine. I was never notified by mail by XXXX that they will be reporting negative payments on my payment history perusant to FCRA section 623. Experian is also not reporting a coplete account hisroty for this account. A lot of data is missing and/or incomplete in the Account History section. Persuant to FCRA 611 and 623 a consumer report must be complete and accurate. 

Experian is also not reporting correct payment history for my XXXX XXXX account. This account was opened XX/XX/XXXX and my payment history does not begin until XX/XX/XXXX. I am missing a entire year of on time payment history which is not fair, accurate and a violation of my consumer rights. Experian is also reporting an inaccurate XX/XX/XXXX late payment with this account. I take pride in paying my bills on time and these inaccuracies is embarrassing and a defamation of my character.
On XXXX XXXX XXXX, the representative at Wells Fargo in XXXX XXXX treated my mother and I in a very unprofessional manner. My parents tried to get me access to their safety deposit box in order to run errands for them, but I was denied access to the safe area due to my age ( XXXX ). The other managers at this specific branch allow me to accompany my parents into the private room next to the locker. Today this woman made a big deal about me going into the private room that was right next to the locker. There is another room further away from the vault containing safe deposit box, and my mother asked if we could go in there if the woman does not want me near the other safety deposit boxes. The woman denied us from taking our box from that certain area. She later told us there is a printable form that needs to be filled out in order for me to even accompany her into the corner room. Then when my mom requested for this form, another teller told her that a written consent would work too. The problem was not with the form, but instead it was with her attitude towards us when I tried to go into the private room near the safety deposit boxes. She humiliated us in front of other employees and customers. Me helping my parents put items into the safety deposit box once it is in a room had never been a problem before until now. We had a couple more transactions to do, but we left the branch in haste due to her attitude towards us. She made it an unwelcoming and hostile environment.