WillisBack/dataset-financial-user-claim huggingface dataset:
I was advised that I was approved on Friday XXXX/XXXX/2015. I had to call back to provide my debit card number. I was assured I was approved on Friday and when I called back on Monday, I was again assured that the loan was approved. However, no funds were deposited on Monday XXXX/XXXX/2015. I asked for my bank balance and the loan was denied after giving my bank balance after underwriting was contacted. 1. My loan was approved on Friday. 2. My balance has nothing to do with an underwriters decision from Friday but denied today. 3. As a result of their actions, I am in deeper debit by - {$640.00}. 4. I asked why was n't I informed of this deicision before now? He had no comment. I asked for a review of this decision but I was denied. The manager refused to give me anything other than his first name : XXXX and stated he will send me an email by XXXX. I signed a contract by eform and the loan was approved but the leader refused to issued to loan or pay for the fees resulting in misinforming me.
I requested help in XX/XX/XXXX and explained that I have a XXXX XXXX, XXXX XXXX, and that my husband who was the sole breadwinner since I couldn't work -- was gone due to a tragic accident. I've called and emailed several times since then. I thought everything was set, according to the man I spoke to over the phone, that I would continue to pay interest only -- {$120.00} every three months. I was really hoping to postpone or discharge my loan, but I was told that was not possible. Then I received a letter saying I was delinquent end of XX/XX/XXXX, and it made no mention of my interest only agreement. The payment I made that was supposed to be for interest only, was used as a normal payment. They sent me an email saying they are planning to garnish my wages. I am dependent on my savings for survival ( medicine, food, minimum payments of bills, utilities, gas, insurance, etc ) since I can not work and have no wages. Can they go into my bank account and take my savings? I have been working on this since XX/XX/XXXX and they are saying I'm behind about {$500.00} dollars currently. I also have a cosigner and I am afraid HESAA will garnish his wages and ruin both of our credit. So far HESAA has not honored our phone agreement and continue to claim I did not " properly '' submit their forms -- which I have submitted multiple times since XX/XX/XXXX.
- XXXX/XXXX/XXXX I got identity theft and XXXX ( XXXX XXXX ) called me to confirm if I applied for it. 
I said no and they cancelled it However they did not cancel my hard inquiry and I called them back to remove this. 
The reps did not know how to go about this as they were unable to find my application. 
So they hung up on me few times which left me with no choice to contact the CFPB. 
I even asked Transunion to remove the hard inquiry but they were unable to. I thought this was weird too since XXXX handled it very well and quickly. 

XXXX XXXX also sent a declined letter of an application that I DID NOT submit. 
Yet they are also hard to reach to get this hard inquiry removed too. 

Please advise how I can get this amended immediately.
Equifax keeps reporting falsely that I have bankruptcies in my public records and the XXXX XXXX is their information source. I have attached the results of my Equifax dispute with this false claim as well as my XXXX XXXX report with the contrary.
To Whom It May Concern : I have lived in the XXXX County area for 24 years and want to spend my retirement years in my XXXX XXXX XXXX. I have always been heavily involved in community service, the last time being when I helped XXXX Link ( a non-profit organization ) market to people with XXXX that need help. 

I worked for XXXX XXXX for 10 years and then transitioned into marketing in XXXX. I was doing fine until my hardship hit in XXXX. My XXXX began to fail prior to XXXX, and after struggling for quite a while on the job I was finally forced to retire after my first XXXX in XXXX. After XXXX more XXXX ( the last in XXXX of this year ), I am now considered XXXX and on permanent XXXX. And on top of the fact that I could n't work anymore, I also had the cost of my prescriptions skyrocket as well. All of this caused me to fall behind on my mortgage payments. 

Unfortunately, I may be forced out of my home by my current lender ( Greentree XXXX since lately they have not been willing to work with me to retain my home. The only communication I have had with them is how much I owe on my mortgage and how to pay them. They have no interest in helping me and it appears as though they just want to take my home away via foreclosure. I have tried to obtain an affordable loan payment, but the assistance I have been offered has been minimal. 

Since XXXX, I 've been trying to get Greentree to modify my loan. I even tried with the help of other agencies including the XXXX. After dealing with Greentree on my behalf, all of these agencies trying to help me said it was " ridiculous '' how poorly Greentree was treating me. Every call made to Greentree resulted in having to leave a message that was never returned. When we did reach someone, we were told to submit paperwork -- -then literally the next day, I got a denial letter in the mail and/or that person was transferred to another department. When Greentree finally acknowledged my need to modify my loan, they came back with an offer that significantly raised my monthly payment!! Is n't it obvious with my hardship that I need a modification that makes it easier to make payments, not one that eats up over half of my fixed income? I know they have guidelines to follow when it comes to how much of a borrower 's income should go towards their mortgage payment ... .why would they make such an unreasonable offer? It sure seems like they are just going through the motions so they can put it on me that I did n't accept their offer of help, justifying their foreclosure on my house. 

Furthermore, my property value has severely declined as well. But I still want to keep my home!! I 'm not looking for a handout. I want to get back to normal and not be facing imminent foreclosure. It 's stressful not only emotionally, but physically as well. I just need someone to assist me in getting Greentree to use some common sense to solve this problem. I would be forever grateful for any assistance that can be provided towards that goal.
I entered into a transaction EBAYXXXX. on account ending XXXX on account XXXX XXXX The transaction was completed as per the agreement and terms of service on Ebay and Paypal. The receiver, after signing for receipt of the goods turned around the same day and reported that they did not in fact receive the goods. Paypal took {$210.00} from me with out merit, without recourse and without right of appeal. I thought it was illegal to charge back an item as not received. In GA it is termed " theft by taking '' I would like Paypal, Ebay , Inc and XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Investigated Proof of Delivery with signature confirmation XXXX XXXX XXXX
I ordered a bag of smoothie mix from a company, received it, this went fine. A month later they sent me another that I had not ordered. I contacted them and simply asked that they discontinue sending me more. They agreed. A month later they sent me a third bag. I told them that I would not pay for this, so they requested that I return the product. I sent it back to them and they did not refund my money. I contacted them asking about it but did not receive a reply. I then submitted a dispute with XXXX including the return shipping information and XXXX rejected my dispute. a ) I was repeatedly wrongly charged, b ) the seller has taken both the money AND the product.
SPS ( loan XXXX ) has not been up front with me about the process of loan modification. When I speak to someone at the company ... they say they have all the information they need then a few days after we speak I will get a letter saying they need more information. When I send in the additional info they say they need ... they wait a couple weeks, then call me and tell me they need it ALL over again because the info they have is now too old. At least every other day, sometimes more, I get a phone call from SPS and the person always hangs up the second I answer the phone which is very odd. I will call back and they say they have no record of this. They are purposely trying to dodge me in order to foreclose, which is not right. They have a modification process but they never allow me to finish it or block me from doing so. I became behind on my mortgage which is at SPS or Select Portfolio Servicing. The home is my former primary residence at XXXX XXXX XXXX XXXX. I moved my family away from this home to a better school district 5 years ago. I could not sell the home at the time, as in 2012 the mortgage was more than the home was worth. I lost the renter for several months which caused me to become behind on my payments. I have never asked for anything for free, just to add the missed payments into the back of the loan. The problem with all this is that SPS has been evasive and they want to foreclose. They are not trying to help in an way and not even following their own rules and regulations that they sent me early on. Thank you, XXXX
I initiated a sale of bitcoin via the Coinbase website where I hold an account. The sale was supposed to finalizeXX/XX/XXXX. However I never got my money. The amount was taken from my account. The Coinbase website lists this transaction as completed. 

I called Coinbase support XX/XX/XXXXto find out what happened. I was told a ticket had been created for my question and support would contact me further. They have not done so. 

I called Coinbase support XX/XX/XXXXand was told that " the system is down '' and no one, not even support staff, could see what happened. There is no date when the system will be restored. 

I've filed another complaint with Coinbase asking about my money. 

I still have money " held '' with Coinbase but it doesn't look like I will be able to get it back. 

From the Coinbase site ( about the transfer in question ) : Sold XXXX BTC for {$1500.00} USD. 
Payment will be sent to XXXX - Total Checking XXXX by Friday XX/XX/XXXX 

The sale was marked as completed :XX/XX/XXXX XXXX ( this is the reference number provided by Coinbase. ) As of XX/XX/XXXXI haven't received my money or heard back from the support staff. Please help!
In XXXX XXXX, I received a copy of my credit report, in detailed it showed a collection from a third party company called Fair Collections and Out. This debt collector reported that I owe {$3300.00}. Consequently, this is a false attempt to collect a debt that was stolen from the original company- XXXX XXXX who did not solicit or file with Fair Collections and Out. When I spoke with XXXX the leasing agent from XXXX XXXX he stated, " He was not aware that XXXX XXXX had filed any actions against the account. '' In XXXX XXXX, myself and my roommate moved out of the apartment due to a fraudulent check that was written on the account. XXXX stated, " if we left before XXXX and did not leave the place in disarray he would not file an eviction against us. Now a year later there is an attempt to collect a debt from an account that is reported as a XXXX balance. According to the last printout, myself and said roommate does not have any monetary obligations to this property. 

I have sent emails, letters to each credit bureau, and a formal letter to Fair Collections and Out asking that this debt be removed. I have not received any responses from the either company. I have not received any documents stating that this account is validated by XXXX XXXX. 

Please look at the bottom of XXXX and you will see that the balance is XXXX.
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made on XX/XX/XXXX. 
I contacted XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry and send me an updated copy of my credit report at the address listed above. 
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 send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
After hours pediatrics has refused to remove a debt that has been paid and satisfied by the insurance companies. 

My son was seen at an urgent care and at the time had 2 insurance companies. XXXX was primary and paid according to contract. The 2nd company was XXXX XXXX and paid to contract leaving no patient responsibility. According to the doctors office, XXXX paid incorrectly and are now billing me. The issue is a contractual issue and although Ive provided the eobs from the company verifying there isnt any patient responsibility this company has decided to do what they want to do. 

reference number XXXX
On XX/XX/XXXX, Calvary Portfolio Services ( as Assignee of XXXX XXXX XXXX XXXX ), reported that I owe {$8700.00}. It also shows date of first delinquency of XX/XX/XXXX..The first I knew of this claim was AFTER XXXX had assigned the account to a collection agency. I have be in regular contact with 4 different collection agencies, asking each one of them to please send me something showing what the basis of this claim was. Credit card charges, etc. Each one of the agencies said all they could provide me with was the last 6 months of statements, which only showed a balance forward, more interest, and the new balance. A couple of the agencies offered to " settle '' for {$500.00}. But I have no idea what the claim is for, so I 'm certainly not paying until they can tell me what it 's for. ( Please see attached time line of my when I was in contact with each of these agencies ).  You can look at my credit history. In addition, on XX/XX/XXXX, XXXX send me a letter saying my account was compromised ( Letter attached ). XXXX has now sued me in an attempt to collect this money. Please review my credit history as well, as you can see I have never been late or failed to pay a bill EVER. We pay our bills timely EVERY MONTH. I am disputing this debt and ask that you investigate this claim and request that the creditor, Calvary Portfolio Services, provide solid information as to the charges that form the basis of their claim. 
***PLEASE ALSO NOTE THAT XXXX NOTATED WHEN THEY REPORTED THIS " DEBT '' THAT I HAVE DISPUTED THIS CLAIM
Experian did not investigate my disputes that I gave a specific statement on they onlysent a embedded print out of a excuse saying I was n't specific. I said this is not mine etc by each disouted item listed.
Debt firm purchased medical debt for pennies on the dollar, got a judgment, let the account sit dormant until about a year and a half near end of the 10 year statute for a judgment, are trying to garnish my wages. 
I called the firm and asked if I could settle it for a lump sum and they refused, stating they are n't allowed to settle medical debt. I asked why she said, " We do n't write the law so I dont know '' I called the Collection firm who placed it with the Attorney and they also refused to settle, stating they wanted every penny from me. All of this and I find out the hospital wrote the debt off -- {$2000.00} so I 'm assuming the firm paid maybe {$500.00}, and are now forcing me to pay {$5000.00} to them through garnishment without consideration of a lump sump payment of a lesser amount. Where is the CFPB when you need them???
MACYS has twice charged me outrageous " late fees '' - for example, on a balance of {$85.00} Macys charged a fee of {$40.00}. In addition this fee is not properly charged ; during my phone calls to Macys I cancelled my account, but Macys did not cancel it. Macys inattention to the content of those calls is as outrageous as the outrageous fees themselves.
On credit report date of collection couldnt possibly me this is not my acct. and it has been verified if so these dates cant be right
I purchased XXXX new tires from XXXX XX/XX/XXXX off of XXXX. There was a promotion where we would get an {$80.00} prepaid XXXX debit card as a result. 

We moved from XXXX to XXXX XX/XX/XXXX and had all of our mail forwarded. I called XXXX about the status of the debit card as we never received it. They had no idea where it was and ordered a new one from XXXX. We did n't get this new debit card until the XX/XX/XXXX. 

We went to use the debit card XX/XX/XXXX and realized that the funds had been removed as of XXXX XXXX, XXXX. I called up XXXX who tried to have the funds re-instituted but were not able to. 
They directed me to call XXXX. 

I ended up going through a few people and ended up with XXXX XXXX from XXXX on XXXX XXXX. I alerted her to this website ; that the funds on these prepaid debit cards do not expire so quickly. XXXX She said she would look into it but never called me back. I finally got through with her today and she alerted me that upper management reviewed the case and nothing could be done about an expired debit card which only expired because it was delayed in being delivered to us and had a ridiculously short expiration date ( 90-120 days from issuance ). I asked if she enjoyed someone reaching into her pocket and stealing {$80.00}. She only responded that this promotional card was NOT a debit card despite it saying DEBIT on the card and issued by XXXX. 

This tactic is deliberately done by these companies to XXXX consumers : put an extremely limited time to use the card and steal the money back with no recourse. I have never seen a promotional card which had to be used so suddenly or we would have to relinquish our funds.
Someone is using my SS # to open accounts with. Company is XXXX for {$160.00} this is hurting my credit score. I have been to the Sheriffs office in XXXX XXXX, XXXX LA and to the DA office in XXXX, LA about this individual. I want this off my credit report. Can you please send to TransUnion and XXXX
AFTER ALMOST 6 MONTHS, XXXX FINALLY DISCHARGED MY LOANS THROUGH XXXX. NALNET ADVISED ME THAT NAVIENT WAS NOTIFIED AND I HAVE CALLED, FAXED AND EMAILED THEM WITH THE DISCHARGE APPROVAL FROM NELNET AND THEY HAVE NOT ACKNOWLEDGED RECEIPT OF ANY INFORMATION TO THAT AFFECT. MEANWHILE, THEY CONTINUE TO TAKE AUTOMATIC PAYMENTS FOR THE LOANS FROM THE BANK AND IN ADDITION, I AM IN NEED OF FINDING A PLACE TO LIVE AND MY CREDIT REPORTS REFLECT A LARGE AMOUNT OF STUDENT DEBT AND I AM BEING DENIED HOUSING BECAUSE OF IT.
Equifax never confirmed my credit report freeze ( the other two bureaus did ) Equifax never provided me with my free credit report ( the other two bureaus did ) I received a text today from Equifax stated " Trusted ID detected activity needing your attention. Log into your acct or call customer service ) -- so maybe I have some product I am not aware of I log into Trusted ID with email and typical password and find I have an account. 
The website said I needed to contact customer service. 
The first time I called, my call was answered in EIGHT minutes. And then I was DISCONNECTED!
So I call back in. I 'm connected more quickly and am typing this as I 'm on the call for 15 minutes and 24 seconds. NOTHING has been provided. I do n't know if I have an account freeze. I have learned NOTHING about the text that was sent to me and I have no assurance of getting a credit report. 
I can not understand the customer service representative, named XXXX. 
THIS COMPANY needs to go out of business. 
PLEASE HELP.
Dear CFPB, I want to file a complaint because my student loan servicer, AES that I had until from XX/XX/XXXX until XX/XX/XXXX, since I recently refinanced my Private Student Loan with XXXX XXXX XXXX XXXX and XXXX, has reported my Private Student Loan as, Dispute Resolved By Grantor and it has greatly reduced my Credit Score. I have a VA XXXX Discharge because of my Service Connected XXXX with the Department of Veteran Affairs. The XXXX XXXX XXXX XXXX also known as XXXX granted my VA XXXX XXXX on XX/XX/XXXX. I  have included the copy of that letter from XXXX. After I was granted this VA XXXX XXXX and my student loans were forgiven my student loan servicer, AES told me I didnt have to pay on them because they seen I was granted the VA discharge and then turned around and reported 2 of  my federal student loans that were serviced by AES at that time as a default status, completely ignoring my VA XXXX XXXX. I also included a letter from XXXX which is the student loan servicer or Grantor of those loans when they were put into a default status by mistake. I had to contact them to get a letter stating how much of the loans had been forgiven for tax purposes in XX/XX/XXXX because my cancellation of debt due to the student loan forgiveness granted on XX/XX/XXXX. I have included that letter from XXXX XXXX as well. I was never late on any loan. Always had either a forbearance while I was out of school or going back to school. The private student loan I paid interest only on for 12 months at one time but I have never paid late or anything. I strongly feel that AES is only trying to retaliate against me because they had to discharge the debt due to my VA XXXX XXXX that I was granted on XX/XX/XXXX. At that time after I learned that I was reported as defaulting on my federally funded loans, I contacted my congressman, Senator XXXX XXXX as she filed an inquiry with the XXXX XXXX XXXX at that time to get my loans forgiven as I was 100 % by the Department of Veteran Affairs but the XXXX XXXX XXXX Deparment aka XXXX was ignoring my request and my documentation for about 6 months before my Congressman filed an Inquiry and then they finally listened to me. After I learned that I was reported as defaulting on my XXXX student loans with AES, I called Senator XXXX and she said to call the CFPB. I was told by CFPB to file a claim or I could simply write to the Credit Bureau and tell them to delete what was inaccurate. I did. I wrote a letter to XXXX as that was the only Bureau that AES reported me to as a default ad XXXX deleted it. The problem now is that AES has reported again reported me this time to XXXX as a Dispute Resolved By Grantor and that is completely inaccurate. There are 3 loans this time, 2 federally funded loans that were part of my VA XXXX XXXX and my private student loan. It is inaccurate and I need help resolving this. They are trying again to ruin my credit and I dont appreciate it one bit. I wrote a letter on XX/XX/XXXX telling XXXX the inaccuracies and I have included that letter. Please help me with my 3 loans, ( 2 Federal Student Loans and 1 Private Student Loan ) that are being reported inaccurately on my credit file by AES. Thank you.
Discovered a credit inquiry ( Axcess Financial Dated XX/XX/2018 ) 0n my credit report.I do not recognize this inquiry on my report.I would like any documents with my signature giving permission to run this inquiry.
XXXX XXXX XXXX IS REPORTING ONE LATE PAYMENT DELINQUENCY TO THE CREDIT REPORTING AGENCIES, ALL THREE ( XXXX, EQUIFAX AND XXXX ), THIS IS AN ABSOLUTE INACCURATE INFORMATION, I HAVE ALWAYS PAID ON TIME AND NEVER LATE, I AM SURE IT AN ERROR WITH BANKING OR TRANSACTION ERROR ERROR. BUREAUS HAVE RECEIVED MY LETTER FROM THE CREDITOR FOR WHICH THEY HAVE APPROVED TO REMOVE THE DELINQUENCIES AS ERROR, BUT THE BUREAUS ARE NOT COOPERATING PLEASE HAVE THESE INACCURACIES REMOVED FROM MY CREDIT REPORT, I HAVE ALSO ATTACHED THE CREDITORS LETTER ( UPLOADED ) on your website for your information and followup thank you
This account was an individual account. The collector contacted my former spouse seeking my contact information and disclosed the name of the creditor as well as the amount owed