WillisBack/dataset-financial-user-claim huggingface dataset:
In early XXXX, I applied for a mortgage refinancing through Bank of America Home Loans. On XXXX XXXX, I paid {$680.00} for a home appraisal and immediately gave access to the appraiser. However, the appraisal was not completed within the 60-day rate lock period, despite repeated inquiries and attempts to move the process to completion. I e-mailed the loan originators, their supervisor, and Bank of America Quality Assurance, without any resolution, specifically writing on XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX -- the last two after the rate lock had expired. On XXXX, I asked for a refund of the {$680.00} I 'd paid for services I did n't receive, but heard nothing ; I wrote again on XXXX to restate my request for a refund -- and again, Bank of America ignored my correspondence. In short, Bank of America scammed me by collecting fees for services they failed to provide inside their own timeline ; they failed the customer service test by ignoring my repeated requests for a refund.
XXXX XXXX bought a business debt from a company that I cosigned as a guarantor from XXXX XXXX XXXX. Since this was a business debt with a different organization other than myself, XXXX XXXX, it never appeared on XXXX XXXX personal credit record. 

XXXX XXXX realized that he would have to pay the debt because he had guaranteed the business debt agreed to a payment arrangement with CACH , LLC and has been paying with never a late payment the agreed upon amounts. 

CACH , LLC has twisted the reporting to the credit bureaus by saying that this debt is in collection when in fact it is not. Rather Cach , LLC bought the debt. 

This false reporting that the debt is in collections is wrong and it is not delinquent at all with Cach , LLC
Contacted XXXX on XX/XX/XXXX regarding the inaccurate reporting of inquiries/Fradulent as I am a victim of the XXXX inquiry issue that re-reports old inquiries previously removed. Customer service rep declined to assist in removal of inquiries not submitted by me and disconnected the line without reason. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX SXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Account Paid in full/closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CH. XXXX BANKRUPTSY XXXX FED COURT-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Please refer to # XXXX submitted on X/XX/2017 regarding the issues with XXXX or XXXX. At that time - this company simply tried to put the matter under the carpet/rug. 
I am facing the same issue since XXXX. 
I have updated my XXXX profile so that with my cell # - my ally bank account is associate and NOT XXXX XXXX. XXXX XXXX was the old one and ally bank is the new one. 
But still anytime any payments which are coming to my cell # - it goes to the old account ( XXXX XXXX NOT XXXX ). I reached out to XXXX and then to XXXX XXXX ... everybody ask me to reach out to somebody else ... so no accountability and ownership at all. 

Today I called at XXXX during XXXX XXXX to XXXX XXXX  and talked to XXXX about the same issue. Case # XXXX has been created for this. All the calls are going to XXXX to some very naive customer service associates. When the customer wants to talk to the higher ups - they simply tell that even higher up will do the same. 
I end up paying fees from the bank due to this.
my husband and I have a pa aes student loan we are paying on we signed a agreement in 2013 we also gave permission to to a automatic debit weekly of XXXX dollars we have not missed a payment since we started this they told us 10 payments and we would be out of default I became XXXX and they told me that I needed to fill out paperwork to have the l oans dismissed nlet told me aes has me stil in default I told them no I have not missed a payment since we made payment arrangements and so far I have paid back XXXX since I started paying. I contacted them and they told me that I did not sign the paperwork I told them if I did not sign everything you would not be able to take the paments out why am I in default he told me that I had to start paying them XXXX weekly and when I started paying that and sign new paperwork I would be out of default and they will take all the payments I made and apply it to the loan but in the mean time since they have not taken the money I sent them and put it on the loan al this intrest has build up on it. com on what kind of scam are they trying to putl on me even thought I have been paying faitfully and they had me sign paperwork for automatic deduction and even thought they accepted al lthe money I sent and kept it in ther eaccount and never applied it to minehow do they get away with ripping people off like this its bad enough that my husband has to pay XXXX to a trade school he never hardly went to because he hwas mental at the time and they kept letting him take out student loans knowing he was in no condition to go to school let alone a trade school please can someone help us we have no more money to dish out and they are killing us financially
I had a mortgage with Wells Fargo and XX/XX/XXXX they approved a short sale and it was complete XXXX. However, they did a new update in XXXX for no reason even though the short sale was complete. This is affecting my financing since they have a recent report date due to this fact.
Receivable Management is reporting an auto insurance debt on my credit report from XXXX XXXX. I do not owe any outstanding debt to XXXX. I currently have a policy with XXXX. They would not have given me the new policy if i had an outstanding debt.
COMPLAINT # I 'VE ALREADY MADE TWO PAYMENTS FOR OUR MORTGAGE..XX/XX/XXXX ANDXX/XX/XXXXIN THE AMOUNT OF " {$1800.00} INCLUDING ESCROW ''. MY " TAX-EXEMPTION '' IS NOT BEEN DEDUCTED EVER SINCE. I AM HOPING STEARNS LENDING WILL REIMBURSE MY MONEY FROM THE TWO MONTHS OR WHATEVER LENGTH OF TIME THEY TRY TO LEAD ME ON WITH THEIR UNRIGHTEOUS DOMINION, VS. UNSCRUPULOUS CONDUCT.
I RECEIVED A RESPONSE FROM THEM ONXX/XX/XXXX. A COMPLAINT CASE #XX/XX/XXXX STATING IN RESPONSE TO ( CFPB ) : THERE ADDRESS : STERNS LENDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I AM STILL WAITING FOR WHATEVER IS TAKING THEM SO LONG. I DISCLOSED MY TAX-EXEMPTION TO THEM DURING THE PROCESS OF PURCHASING OUR HOME IN XX/XX/XXXX, AND AGAIN IN XX/XX/XXXX TAX-EXEMPTION # XXXX XXXX AND PARCEL # XXXX. HAS BEEN PROVIDED TO THEM AHEAD TIME. SINCERELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( WIFE. XXXX XXXX VETERAN, XXXX XXXX XXXX ... I AM ALSO : XXXX XXXX XXXX XXXX VETERAN '' ACCORDING TO MY MEDICAL RECORDS WITH THE VA REGIONAL OFFICES STATES WHERE I LIVED PREVIOUSLY .... ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX ( 3 ) XXXX ( 4 ) XXXX XXXX XXXX XXXX., AND NOW ; XXXX XXXX XXXX
I have been contacting Discover about my student loan account since XX/XX/XXXX They had accounting issues on their end which offset my balance. Two people contacted me, as well as sent e-mails and letter saying I did not pay on my account ( which I did, and those reps ended up finding those payments and then adding to the confusion by saying I missed another months payment, which I then had to clear again as well ). I provided proof of payments multiple times. I have even paid more than the amount due most months, so my balance makes no sense to me. I have been requesting a detailed payment history be sent via mail to e-mail to me, and no one has done so. I believe my balance is wrong or I would have been contacted at least by phone. Now, these " missed '' payments have hit my credit report eve though I warned them of that as well. I have almost every e-mail or message I 've sent them, on top of the proof of payments I 've also had to send in more than once. I really ca n't have this. I can provide more documents to prove I 've been reaching out, please just let me know if you need me to get more. They typically respond with a generic e-mail.
I applied for a bank account with Citibank. After I verified my identity by answering various questions, it said it was unable to open an account but provided no reason. I do not owe the bank nor am I in XXXX or XXXX XXXX.
I wanted to get a lower interest rate on my home, so I check my credit and seen that there was a derogatory listed as a bankruptcy. The listed item is entirely inaccurate and incomplete and represents a very serious error in EQ reporting so I disputed the error with EQ which I sent out on XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX, EQ sent me out a response stating they contacted a third party vendor to obtain the most recent status of the public record in regards to my dispute. In the results of EQ investigation, it list XXXX as the third party vendor used to obtain this information. Under " How I should read my dispute results '' EQ explains 3 different result items that can be stated in the results of my dispute, but neither is found. 
Instead it shows a different result item which is confusing and unclear, preventing me from properly understanding and reading my dispute results. It tells me the bankruptcy is currently reporting as discharged and to contact the listed item address for additional questions. 
A description of the procedure used to determine the accuracy and completeness of the information including contact details was requested from EQ on XXXX XXXX, XXXX. ALSO, in the same letter a copy of all documents bearing my signature giving consent to EQ, XXXX and anyone making the communication about me was simultaneously requested! 
On XXXX XXXX, XXXX a letter for verification was sent to the listed ITEM address, which they responded on XXXX/XXXX/XXXX stating I need to resolve my discrepancies with EQ AND I may wish to contact my attorney for further assistance. 
A letter was also sent out to XXXX after I check the listed website, of them explaining they do not match public record data with consumer credit file for EQ, and EQ performs this matching themselves. 
On XXXX, XXXX EQ sent a letter titled " IN REFERENCE TO YOUR QUESTION REGARDING THE INVESTIGATION PROCESS '' in response to my request for a description of the procedure used to determine the accuracy and completeness of the information. Which is unacceptable, inaccurate, incomplete and unclear on the description of the procedure they used. 
EQ also sent out the results of my dispute informing me that their investigation was completed on XXXX, XXXX. Under " HOW I SHOULD READ MY DISPUTE RESULTS '', EQ, list 3 different detailed result items which once again were not listed under " THE RESULTS OF OUR REINVESTIGATION '' conclusion. INSTEAD IT LISTED another unclear, confusing, inaccurate result regarding my dispute by stating " We have reviewed your concerns and our conclusions are : The disputed account XXXX is currently not reporting on the EQ credit file. '' When checking NUMEROUS CREDIT REPORTING SITES FOR EQ, in regards to THE BANKRUPTCY ITEM, It was still reporting inaccurate and incomplete which i have provided you proof. 
During the process of the first dispute sent out to EQ from XXXX XXXX, XXXX until now this item has still not been listed in a dispute status ...
I am submitting this complaint regarding my student loan with Navient previously known as XXXX XXXX. I have taken out a loan in XXXX for XXXX. Now the cost is over 5000 and they are claiming that I am in default. One loan i have is paid off, the other is still in repayment. If the payments are grouped together, how is one in default and the other not? I have submitted transcripts to Navient and also a request to delay payment while in college. The transcripts were from XXXX XXXX at XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. They have refused to accept them. I have been paying my loan as my monthly statement becomes available paying anywhere between fifty dollars to a little over two hundred dollars. I have been paying on time and current for over* two years. When I logged into my account I have three loans. One is listed as paid in full, another as paid in full the final one I am still paying on. The issue is that, while one stated paid in full was later changed to Paid in full by the Department of Education. I was never notified of this by Navient. I was later contacted by a collection agency assigned by the Department of Education, XXXX  They have been calling me mercilessly at work and home. They have been sending letters to my home. I have set up a payment arrangement with them in the mean time, me that the past six months. They have been telling me they would send me information that I am in a rehabilitation program. They have not done so. They have changed their story every time I called them. Now they are threatening to garnish my wages within the month. This upset me because I should not even be in default. I am still in college, i attached my payments. Now that this is posted on my credit i can not apply for financial aid either. Another reason, I have been paying the agreed amount to XXXX What they have done to me is unethical and illegal. Attached are my transcripts, copies of Navient payments, letter threatening to garnish wages and past checks sent to XXXX. The most convenient way to contact me is via email, I work days. If you chose to contact me via phone, please leave message and I will return it. Thank you.
Since XXXX XXXX I have been making monthly payments thru XXXX XXXX XXXX XXXX to Navient but they have yet to report my monthly payments to the Credit Bureau. The payment is electrically taken out of my account each month. My checks are made payable to Navient but XXXX XXXX XXXX XXXX collects the deposit. I 've tried calling several times but I get the voicemail and no one has called me back.
CBE Group keeps putting new collections on my credit report when I already have payment arrangements with them. 
For one these shouldn't have went to collections, they were to be paid by insurance, so I am fixing this. Secondly I am making payments in an arrangement with you guys even though I shouldn't be because insurance should pay it ... But Im doing my part so I don't know why they keep putting new items on and I have not even got notices for them. 
I mean honestly. Im trying my hardest, to resolve this and this is unfair
All my Federal student loans were officially discharged last year, due to XXXX XXXX XXXX XXXX. My student loan servicer ACS/Conduent reported to the credit agencies, I filed for Chapter XXXX bankruptcy. I subscribe to credit monitoring, which alerted me to the changes in my credit. I immediately disputed the information, as I have never filed for any bankruptcy. A few weeks later, ACS confirmed with the credit agencies I had indeed filed for bankruptcy. 
I put in another dispute today, but the credit agencies say my ACS can just confirm the information is correct and start the cycle over. I have spoken with Conduent today, twice. The first woman wanted me to send in my credit report to them for them to do anything. The second woman gave me an email address to send in my information and complaint, while I wait 48 to 72 hours for a supervisor to contact me.

I wasted over three hours of my time today on the phone, trying to get this resolved.

In the mean time, my credit score continues to plummet, due to their error and this company is servicing Federal loans.
Someone illegally purchased a vehicle with my information and only my first name and changed my last name. They listed me as a cosigner. I realized this was on my report when I pulled it in XXXX XXXX. I filed a police report in XXXX, Alabama for the crime that was committed. I also reached out to the collection agency as well as the original creditor. I have given both the police number as well. I disputed with the credit bureaus and was sent a copy of the signed document in the mail which had a different last name listed for the person who stole my identity.
In XXXX 2016, I called US Bank regarding checking account. I asked them to stop all automatic withdrawal 's going into this account. I spent over a 1 and 1/2 hours on the phone with a representative who assured me all auto drafts were stopped. In XXXX and XXXX 2016, somehow I was again hit with payments from companies that I did not authorize. When I called and spoke with the representative I was told that I never called in and they could not do anything. I have made payments on the account to get the overdraft taken care of but US Bank has been adding interest and late fees to an account that supposedly has charged off or is closed. At this point, I am confused because now ( XXXX/XXXX/2016 ) I received a statement that has minimum payments of $ XXXX/mo due on the XXXX XXXX and I can rack up late charges if I do n't comply! When the account was closed it was {$350.00}. Today, the bill I have in my hands says I owe a whooping {$880.00} for a checking account and my statement says if I do n't pay by XXXX XXXX, 2016 I will get a {$20.00} late fee. How is this possible a bank can keep adding charges to a checking account that should have been closed? How long can a bank add unnecessary fees to this account trying to bleed money from me? I am willing to pay the {$350.00} ( personally, I should NOT have to pay a dime since I requested stop payment on this account before these charges were even added ) but anything more that than is absurd. They company is unreasonable and I hope that someone in your office can help me.
XX/XX/XXXX. I received a letter stating they were closing my XXXX XXXX accounts, 2 roth ira and 1 XXXX college savings for my son. Called them to ask why and they said it was a business decision to end service with me and no further explanation was given. About a week later, another letter came in the mail and said they were closing my checking and savings account with no explanation. I have been on the phone back and forth with XXXX trying to rollover a different brokerage and now im dealing with my checkingsavings account. Called about that and they said the same. None of the customer service could understand it and tell me why. Been a loyal customer with bank of america for over 15 yrs and my mortgage is currently there so everything was fine. XX/XX/XXXX this morning i went to use my credit cards from BOA and guess what they are shut off. Called them and ask why and no answer was given except they can terminate anytime. Ive paid my bills on time with them have excellent credit so i couldnt understand why. after back and forth with customer service which i was polite to because its not there fault the banks did this, i ask what about my reward points ive accumulated, they said it was forfeited do to account closure. I have over 68K points on travel rewards and they wont do anything about it. No explanation, no reason. I have been on the phone for the past few weeks dealing with this. I think i should have been given the courtesy of an explanation and reasoning why this happened and after years of loyalty to the bank, they could have at least work something out even if we would not continue business together.
I had a visa credit card account with First National Bank of Omaha. I could only access the account and received statements for the account online via website with login credentials. I lost those credentials in XX/XX/2018 and since then have not been able to access the account. In mid-XX/XX/2018 I received notice of civil action from the county court of PA stating that another company XXXX XXXX XXXX XXXX is suing me for what they allege to be the balance of that cc account. I do not know nor have ever done any business with XXXX XXXX XXXX XXXX. When I contacted the First National Bank of Omaha, mid-XX/XX/XXXX, to resolve the account they said the account was already sold and they could not provide any further information. Both First National Bank of Omaha, and XXXX XXXX XXXX XXXX failed to notify me of the outstanding balance or the sale. Neither First National Bank of Omaha, nor XXXX XXXX XXXX XXXX contacted me otherwise regarding the outstanding balance or the sale. The civil complaint is the first notice of this outstanding debt. Additionally, XXXX XXXX XXXX XXXX is attempting to include their court costs and fees to the alleged outstanding balance. I did not authorize First National Bank of Omaha to sell my personal information to XXXX XXXX XXXX XXXX or any other company. First National Bank of Omaha should have contacted me before selling the debt and allowed me the opportunity to resolve the debt. I would like to resolve this matter without additional or unnecessary costs, and without unfair legal proceedings or reporting.
I am the XXXX of a business ( XXXX ). I get phone calls from what is listed on my caller ID as CitiGroup with a phone number of ( XXXX ) XXXX. The call is an automated call that asks to return the call at XXXX. Upon returning the call to inform them that we are a business, I am told that we will be removed from the call list. The call comes multiple times a day but XXXX of those times is right around XXXX. This is the busiest time of the day, any day for us as a XXXX. XXXX of my staff members or myself have to stop assisting our paying customers to answer the phone, in case it is real customer. I have called the company requesting to be removed XXXX times. The last XXXX times, I have spoken to supervisors and they have guaranteed that I would not be called again and our number would be removed from the list. Additionally, the name of the person they tell me they have listed for my number is n't even the last name of anyone I 've ever hired for my business.
XXXX old, expired checks from a jobs training program were cashed by a a XXXX branch. XXXX checks had been voided and they clearly stated in bold, black lettering that they were " VOID AFTER 90 DAYS. '' XXXX hired FMS, Inc. to collect the debt. Their agent called the XXXX office shouting, demanding money, claiming I was violating the law by not giving it to her. She refused to acknowledge that XXXX was in error by trying to collect on checks they should not have cashed. She refused to provide any proof that they had even cashed checks. She simply ordered me to pay her and then threatened me when I asked for proof of her assertions.
I have been engaged in dispute with XXXX XXXX XXXX XXXX, XXXX, and Trident Asset Management since XX/XX/2016. The are negative accounts. However, I believe they have been reporting negatively without following the guidelines of consumer protection laws like the FCRA and the FDCPA.