WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/XXXX I tried to deposit a check through the HSBC mobile app on my cellphone. I received a message that it was unable to process my request. I went directly to my local branch and I deposited the actual check. On XXXX/XXXX/XXXX I received a debit from my checking account basically noting an error occurred for a duplicate check deposit. ( Apparently the mobile check was processed ). On XXXX/XXXX/XXXX HSBC corrected the error and debited my account to correct the error. Now, here occurs the problem, on XXXX/XXXX/XXXX I received another message/debit stating the same error message I received back on XXXX/XXXX/XXXX referencing the duplicate check from XXXX/XXXX/XXXX was deposited twice and HSBC was debiting my account to correct the error. This error had already been corrected so I stopped in to the XXXX NY HSBC branch. A representative by the name of XXXX pulled up my account and said she did not see the error. She explained I must have shaken the phone to have made the duplicate deposit. I tried to explain the backstory, she did not listen and tried to say it was a User error. I tried to show her the transaction on my phone and point out the discrepancy but she simply said her computer did not reflect any errors. She said when she went to her " home '' branch on Monday she would look into further. XXXX/XXXX/XXXX Monday I received a call from XXXX saying she saw no discrepancies on her end. I asked to speak to her supervisor and she said she was the supervisor. I told her this is unacceptable becaus it clearly shows XXXX debits from my account. I went on to try and explain that only XXXX debit was needed to fix the error. We went back and fourth and finally I told her I would escalate this through corporate. I was not getting any assistance from her. I called HSBC XXXX and was told by the represenative on the phone she could see the error and she would process the request to have it resolved. However, based on the correspondence with " XXXX '' the XXXX NY branch service manager I would like to have this escalated to ensure it is properly corrected in a timely time frame. The contact I have for XXXX is XXXX. I feel it is necessary to point out that XXXX was very rude and condescending. I will be looking into switching banks based on her poor customer service and Unprofessional attitude in this matter.
To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an inaccurate entry listings of {$950.00} & {$1000.00}.

I challenge the accuracy, compliance and reportability of these listings. ( Can not collect debts twice ) There is no contract, no valid claim ... accounts were settled with original creditor ... grave errorsfalse claims and reportingI want these accounts 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 am a cosigner on a loan where my son is the primary account holder through American Honda for an auto loan. This was opened in XXXX of XXXX. Recently I discovered in XXXX of XXXX that American Honda reported to my credit report that the payment was 30 days late in XXXX of XXXX, 30 days late in XXXX of XXXX and 60 days late in XXXX of XXXX. American Honda contacted me via phone on XXXX XX/XX/XXXX and informed me the payment was late. The account was brought current on the same day. American Honda did not attempt to contact me in the months prior, when it was known the payment was late. I did not have contact with my son at the time who holds primary responsibility for the account to know that the account was past due. I called American Honda numerous times after discovering they reported on my credit to try for a resolution to have the 3 late payments in XXXX, XXXX and XXXX of XXXX removed. I feel these should be removed from my credit report since the company did not give me fair and proper notice the payment was late thus giving me time to bring the account current on the spot.
On XXXX XXXX, 2017, I applied for a personal loan through XXXX XXXX XXXX. The office in question is at : XXXX XXXX XXXX # XXXX XXXX, FL XXXX. My representative was XXXX XXXX. Included in my application was income from my employer and an adoption subsidy given to me through the state of Florida. One of the demands made by the underwriter, I had to provide the birth certificate and/or court documents of my daughter 's adoption. When I explained I could include proof of payment through bank statements and/or, receipts directly from the agency that submits the subsidy to us via direct deposit, I was told I still had to show proof by birth cert and/or court docs. I further explained that they were requesting not only personal information of a minor ( which I do not believe is legal ), but also of an adopted child, who 's rights are to be protected legally. I was told they needed to determine the child 's age. I asked for what? To determin how long I received the payments. I stated the child is XXXX and it 's until XXXX. I could provide in writing if needed. The underwriter still refused to budge with that explanation. I explained I could not provide any information beyond the DOB and mine and my husband 's name on the birth certificate ( which I sent ), but the underwriter wanted the certificate to show all information or the court docs, which had far more information in them. I would not provide either. My child was once a ward of the state. I advised in no uncertain terms would I provide confidential information that could disclose her new identity. I explained that I was very familiar with the CFPB laws and this was boarding, if not altogether discrimination to me personally and if not out right illegal practice demanding info of a minor. I was offering alternative documentation and it was being refused. I asked if the same documents, such as a birth certificate and/or court documents would be required if the child was mine through birth and I received child support? I was told. because the child was adopted. Again, I explained I am offering proof of payment via receipts. That is all that should be required of me. I explained that neither a doctor or daycare require such personal information. These two institutions would have far more reasons to ask, as it could be needed given what these institutions are. A financial institution needs nothing, beyond payment receipts, written age of the child and an explanation from the state of FL website on how long the subsidy is paid. Personal info on a minor, absolutely not. The loan would not be approved if all documents were n't submitted. I made clear this was discrimination, refused the loan. Had my child been mine by birth, these documents would not have been required. So mothers, who come to this company, and have adopted have to prove their children are theirs in order to obtain a loan? Seriously? In addition to this clear discrimination ... Why is a financial institution demanding personal information of a minor? What are they doing with this information if given by other customers? How is it protected?
I applied for a loan from Santander and was approved on the XX/XX/XXXX. went to buy car on the XX/XX/XXXX. I was told that I had to use XXXX, so I went to XXXX and purchased a car. I received a bill of sale stating XXXX $ owed to XXXX. Then on the XX/XX/XXXX XXXX sent me a letter stating that I can't keep the car and I'm going to need to bring the car back or I'm going to be in default. How can i be in default before the first payment is due? Now they are suing me in civil court? Ive reached out to them and get nothing back. the car was repossessed and i went to go get my belongings from the car. Unfortunately i am in a financial situation that isn't that great. Mom has XXXX and father has stage XXXX XXXX XXXX. They wouldn't give me my belongings back. They stole everything in my car and wouldn't even have the decency to give me an itemized list. YOU SENT THE DOCUMENTS TO THE WRONG ADRESS ABOUT THE REPO. THEN FIRED THE PERSON ( XXXX ). IT WASNT MY LAST KNOW ADRESS My life has been adversely affected by what was supposed to be a seem-less transaction. i also was assaulted by the repossession agent that they sent on XX/XX/XXXX I PREVIOUSLY SENT IN A COMPLAINT AND THEY BRUSHED IT OFF TO SANTANDER. I NOW HAVE A LETTER FROM SANTANDER STATING THAT THEY WERE NEVER SENT THE PAPERWORK ON THE LOAN. Im tired of doing this. I didnt file an answer to your complaint so i can sue you when i find the attorney to take the case.
My mortgage was bought out while I was in a mortgage reduction I obtained after filing chapter XXXX bankruptcy, We were with XXXX XXXX XXXX at that time. Our mortgage has been sold or transferred 4 times. Ditech mortgage obtained us at the end of the bankruptcy and mortgage reduction. We have paid out payments on time ever since we got the reduction. Well our bankruptcy discharged XXXX/XXXX/15 and they have not released us. I can not view or get any information from them concerning payment history, payoff, general info. I have spoke with them on numerous occasions, twice a week for a year, they have not taken any action. When I call, I am on hold over an hour just to speak to anyone. They told me the audit was complete and they were waiting for a super to sign off the last 6 times I called. I ask to speak with a supervisor, none could speak to me. I have wrote emails also, no action. I am now refinancing with XXXX, all is approved, but we need payoff letter, no response to XXXX or myself for 2 weeks, and I 'm about to lose my rate. Please help!
Please reference complaint XXXX and the subsequent dispute that has gone nowhere. The details are outlined in the complaint. 

Wells Fargo responded with a lie that is a violation of consumer protection laws. At the time my mortgage was contracted they had a contractual relationship with XXXX to manage the bi-monthly payments for my 15 year mortgage. I asked in my complaint that Wells Fargo provide the documentation that I signed in the application that explains that paying twice a month would only save me one year on the length of my mortgage as opposed to 4 years which is what I was told. 
Wells Fargo 's response was that the blame lies with XXXX, with whom they said I contracted on an individual basis. 
This is not true - Wells Fargo and XXXX had a contractual relationship at the time. 
As a consumer I am entitled to see the documentation from either Wells Fargo or XXXX that documents definitively the terms of the bi-monthly payment and the end-date of the schedule given the advanced payments. 
The purpose of this complaint is to have BOTH Wells Fargo and XXXX speak and provide me with the documentation that clearly states the conditions that I agreed to when I signed up for the twice a month payments. 
XXXX XXXX XXXX, CA XXXX I do not want to hear that they are blaming the other one - they had a contractual relationship with each other at the time of the mortgage and they need to provide the documentation that was a part of the application process that explains that I understood the timing and conditions of the advanced payments that I agreed to.
On XX/XX/XXXX I closed on a cash out refinance with M & T Bank. Unbeknown to me, the FHA HAMP loan I received in XX/XX/XXXXwas missed during the title search by the title insurance company that M & T hired. In XX/XX/XXXX I was contacted by HUD that my HAMP loan became due when I refinanced. I did not know this. They want me to pay {$2700.00} a month in addition to the {$2600.00} I pay for my mortgage. I am not in a financial position to to that. I was working with M & T for two months and they filed a title insurance claim. Last month they told me to get an attorney as they are only concerned with their rights not mine. I had to borrow {$2000.00} to pay an attorney and she is working with HUD on getting a lower payment plan. Now HUD has put this HAMP loan on my credit report as a collection account which has caused not only my credit score to go down but I am unable to cosign a student loan for my daughter who is a straight A student and supposed to start college in the fall. All of this is happening because M & T and their title company made a mistake. I never should have been approved for the refinance. I need help with M & T as they need to take some responsibility in this. If the title insurance company grants M & T 's claim then I should benefit from that relief. PLEASE HELP ME!!!!
For loan number # XXXX, I am requesting assistance with issues arising from my mortgage company. Issues began, XX/XX/2018, a payment option was offered to make bi-monthly payments to split my mortgage in half to assist to my financial situation at the time. As such, my mortgage payment was split from {$1600.00} to {$820.00} bi-monthly on the XX/XX/XXXX and XX/XX/XXXX, as agreed with the agent and my pay check schedule. However, in XX/XX/2018, a payment of {$3200.00} was paid in full to start the process of bi-monthly payments. Unfortunately, when XX/XX/XXXX came around my bank account and mortgage account numbers don't match and are different from what you have on file. At this time, I am requesting that someone please assist me with this issue. 

As of XX/XX/2018, I contacted Freedom Mortgage for assistance but this has been to no avail. 

I am in foreclosure and in default at this time and concerned that I will become homeless because funds have been inappropriately applied and I have received no assistance from the mortgage company to help me resolve this issue.
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are the dates this Finance Company check my credit without my permission. Ive reached out to this company multiple times with no luck. This is a auto finance company, I have not given anyone my permission to finance anything with my credit nor have I applied for any finance loans. Ive been back and forward with the credit bureaus working on my credit fraud case. So Im contacting this company directly to have these inquiries removed and or deleted off of my report.
I have asked for options in repayment several times, because I have been having difficulty paying the full amount monthly. Navient has not given me any forbearance/deferment/payment reduction options. Instead, they tell me I am behind and need to catch up with no other options given. Since, I have been placed on a payment program to catch up. Ive been told that my account will be current as of XXXX if payments are made. The company continues to report NEGATIVE comments on both my credit report and my co-signers, even though we are on such a payment plan, and have asked for other options. I spoke with Navient regarding the derogatory comments on both credit reports, and was told that they will continue to give negative hits to our credit until XXXX, even though we are on such a payment plan to catch up. These negative comments on both credit reports have made both mine, and my co-signers credit drop drastically. Our credit is being hit with derogatory marks EVERY SINGLE DAY! Sometimes, more than once a day! This is totally unacceptable for a company to take advantage of their customers and put them in such a horrific credit state if the party is trying got work with them to resolve the issue and make payments to become current. I WANT THE DEROGATORY CREDIT REPORTS TO STOP IMMEDIATELY!
My mortgage loan was modified in XXXX XXXX. However, my servicer Roundpoint, has not reflected my loan as modified since then. I have been fighting with them now for two years and I finally hired an attorney earlier this year to help me. As you can see from the attached my loan was modified in XXXX XXXX directly by the owner of my loan. As you can also see from attached my mortgage statement for this same loan shows me due for XXXX/XXXX/XXXX back in XXXX and now XXXX/XXXX/XXXX. I have no idea how they are coming up with these dates as my loan was modified and should have been brought current as of the date of my modification on XXXX/XXXX/XXXX. My attorney was advised by Roundpoint that they requested me to submit another full application so they could attempt to fix this issue. My attorney submitted my full and complete application on XXXX/XXXX/XXXX and to date Roundpoint has not yet issued a decision. They keep asking for more paperwork every month and then let it expire and then ask for it again. I am told by my attorney that RESPA Reg X requires the lender to make a decision within 30 days of the application REGARDLESS if it is not completely complete. My attorney has an in house underwriter that put the file together and they state the lender ( Roundpoint ) has enough information to make the decision. I am not eve sure what decision they need to make as they have ROYALLY messed up my mortgage and it is on them to fix it. # 1 ) I was modified and my servicer never reflected it in my statement # 2 ) This is not my fault and the fact that my account is now past due and really messed up is either the servicer 's fault or my investor 's fault. It DEFINITELY is not my fault. # 3 ) My servicer needs to STOP EVADING reviewing my file as my attorney is billing me for work each time Roundpoint stalls and does n't make a decision as required by RESPA Reg X. I am being financially harmed by this illegal action. In another week it will have been 5 months since I applied for assistance in fixing my servicer 's mistake!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Please make them stop running me in circles and make them FIX THEIR MESS!
Dynamic Recovery Solutions has called me repeatedly for more than a year. They have recently increased the frequency of their calls and the intensity of their messages. 

My response has been the same with each phone call : " I am not the 'XXXX ' you are looking for. Please delete my number from your records. '' They agree each time to remove my number and then another person calls the next day. 

I have repeatedly blocked their number and they just call from different numbers.
I received a letter from Blitt and Gaines claiming I owe a debt that they never validated nor did XXXX XXXX XXXX. The business is posing as an attorney, yet they have no jurisdiction over me. I want them to leave me alone permanently.
On XX/XX/18 a check for {$400.00} cleared my checking acct that was written for my credit card payment. The payment was never posted to my credit card and never refunded to my checking account. Ive called my bank 3 times and visited 2 different branches in person and have yet to get resolution.
Federal Stafford Loan application was applied XX/XX/08. I applied to XXXX University in XXXX XXXX, NJ. I withdraw from the school and never applied the loan to anything.Come to find out when I applied for a mortgage I have this showing on my credit report.I have contacted the school and they said they could not help me with the situation. Seems i was placed in collections with XXXX ( XXXX ). 
I am looking to purchase a home and will not qualify based on this incorrect debt. 
Please review.
I sent XXXX wires in the amounts of {$7500.00} and {$4500.00} respectively from my bank, XXXX XXXX to XXXX XXXX account in Sun Trust Bank. She tried to wire the money to XXXX against my knowledge and wishes. The wire transfer was stopped from her account to XXXX. The Fruad Department said they did an investigation into this. 
I sent in a recall of wire from my bank, XXXX XXXX to Sun Trust bank. 
They did not send the money back. There investgation took XXXX weeks and they have lied and lied to me telling XXXX that they closed her account and would send her the money back so she could then return it to me. 
Sun Trust Bank sent the money instead to the IRS claiming there was an outstanding Levy against XXXX XXXX. 
I wish to get my money back from Sun Trust Bank
On XXXX/XXXX/2014, i ordered the instaltion services at Lowe 's XXXX XXXX, located at XXXX XXXX, XXXX Tx XXXX. This is there phone number XXXX. I used the Lowe 's XXXX credit card. I trying to set up the automatic payment with them at The lowes center and i tried too call them many times.I let them know that i went out of the country and i trying to set up automatic payment. Because i cant go online and pay every time. The customer service agent from lowes was not helping me at all. I can ' t set up automatic payment with them on the phone and instore. I MISSED THE PAYMENT because of that. I am really frustrated because of that. they sent me to collection without trying to help me set up the payment. it is not my fault. i tried to call them, went online, instore. Nothing solve.
I have XXXX variable interest rate loans through Chase and since XXXX the interest rates on XXXX of the XXXX loans have risen a small amount -- .04 %. I noticed this recently while logging on to make a payment but I was never notified of the interest rate increases. I understand that my interest rate can change, I just expected to be notified. I called the bank and they confirmed that I was never notified and apologized. I asked them to make sure I was notified about any other future increases. 

While I hope they comply, I wanted to make sure this did n't happen to anyone else. Are banks required to notify you when your interest rate on a variable rate loan increases?