WillisBack/dataset-financial-user-claim huggingface dataset:
We have had business and personal accounts with a particular bank for decades ( combined ), with the local branch having played an important role to helping our business get started. My husband and I are sole owners, which is evidenced on all the signature cards. We live in a rural area and there is no mail delivery on our road, so have a XXXX XXXX When the bank mailed several of our business credit cards to the street address vs. the mailing address ( again ), they of course never arrived. With 3 days to spare before the cards expired, we made arrangements for replacement cards to be sent to the local branch for physical pickup so we could activate and get into employee hands before the old cards expired. The only employee left who would have known our history was out for the afternoon, so the inexperienced bank employee would NOT release them to us, would only release to the employee who were nowhere around due to the nature of our business. No matter what we did to explain that we own the business credit card account, not the employee, and that the employee ca n't activate the card without our personal info, nor would they agree to call their internal card services dept to verify we asked the cards to be overnighted to the branch and why, they simply refused to give us the cards we requested. I then asked them to mail the cards to our business mailing address ( XXXX ), they did, but instead of going to the XXXX to mail, they put them in their internal courier system and I did n't receive for 15 days, well beyond when several cards had expired for my employees. In my utter frustration since this was n't the only business account that we 'd had major service issues with, we began to move accounts to another bank, including the direct deposit accounts for Health Savings Accounts for XXXX of our employees. We completed the information to do a bank to bank transfer of the HSA funds to ensure the proper coding, submitted the forms to the bank on XX/XX/2017, and re-submitted 2 other times since, in spite of fax transmission records to prove otherwise, they claimed they never got them. The XXXX HSA accounts were never closed until XX/XX/2017, while the bank continued to asses {$4.00} per month service charges to each account. Then, the checks got lost in the mail again ( hmmm ) and were n't received by the new bank until XX/XX/2017 for credit to the new accounts. The obvious other piece is that my employees had no access to those funds to pay their medical bills for all of that time, and XXXX of them received late charges from medical bill collectors for non-payment, all due to this bank taking this extraordinarily long time, from XX/XX/2017 till XX/XX/2017 to get funds transferred. This is very, very, very poor service, very poor practice to assess fees and refuse to reverse them by taking any responsibility for their own internal practices.
I have been attempting to remove PMI from my mortgage for about 18 months. The mortgage servicer, Huntington Mortgage Group, will not consider the original appraisal of my property ( {$120000.00} ) but  only the refinance value of XXXX 
The original mortgage was closed on XX/XX/XXXX and this loan was refinanced on XX/XX/XXXX, through the HARP program, which did not require a new appraisal. 
I currently owe {$96000.00}, significantly less than 80 %, nevertheless the Company is requiring a current appraisal, at my expense, with a cost of {$380.00} by their referred appraiser and no guarantee of it being a fair and valid one. I am unable to afford this. 
According to XXXX XXXX XXXX the current value of my property is {$130000.00}, according to XXXX it is {$150000.00}. 
It does seem odd and quite unfair that, for taking advantage of a federal government program ( HARP ), I am being penalized, since, if I had nor refinanced there would be no issue on the cancellation of PMI based on the original purchase price, with no need of an updated appraisal.
I went to XXXX XXXX for an exam. I was told on the phone prior to coming in and while I was at the office in the exam chair that the exam fee would be waived if I were to have the XXXX XXXX done on the same day. So I agreed to have the procedure done while I was there because I could afford to have it done without the fee. But after I had the XXXX XXXX done I received a bill in the mail from XXXX XXXX that was for the exam fee. Apparently they had billed my insurance for the fee without my permission or knowledge and it was rejected so they tried to bill me. I immediately disputed this with the office but they called me a liar and refused to drop the bill and in fact contacted my other insurance company and tried to get them to cover it. I also filed for chapter XXXX bankruptcy and since they would not agree to honor their original deal for no exam fee I was left with no choice but to include this debt in my bankruptcy which was XXXX. please see attached files. XXXX XXXX continues to try to collect this debt and has now sent it to a collection company after they were informed it was discharged.The collection company is now threatening to report this to my credit if they have n't already done so. During the bankruptcy, this debt was never disputed by XXXX and they did not show at the meeting of creditors. I find it rather unnerving for a doctors office to be doing " extra billing '' behind patients backs. I trusted Advanced office staff to be truthful with me, I know what I was told and they went and did the opposite of what they said they would do.It is their mistake so they need to own up to it and not attack me and my records.
I applied for an installment loan through Big Picture loans. I was under the understanding that I would have to pay XXXX in interest on the loan. However after digging deeper i am required to pay over XXXX for interest on a XXXX loan. i can not afford this and need to know what I can do to get out of this loan, This company is a scam artist and I can not afford nor will not pay this amount of money. I have already paid back the XXXX.
I received a letter in the mail stating I owed my previous bank, XXXX XXXX XXXX XXXX, a balance of {$120.00}. Since I closed my account about a year ago, I knew something was wrong and wondered if the teller did not close my account correctly. I went into the branch near my home and got evidence that showed I have never had this debt and that I have never been sent to any collection agency. The teller I spoke to said that XXXX has not used XXXX XXXX XXXX in a few years and that they recently switched systems and a few of these letters have gone out and worried members have brought them into the branch wondering what they were about. She suggested that I call the toll-free number on the card, and nobody answered. I left a message and received a call back a few minutes later. The man I spoke to, XXXX XXXX, asked me to verify the day I was born and the very last digit of my social security card. I gave him the information because I didnt think he could do anything with such a small amount of information and told him I went into the bank and was told and given evidence that this debt does not exist. He asked who I spoke to, and when, and asked if i went into the branch physically. I said I spoke to a teller about 30 minutes prior to the phone call, and went to the physical location. I was a bit angry because I know I have never been sent to collections, and could not tell me any details on this apparent debt I owed. He said he needed to contact the issuer who gave him my case and that he would call me back. It has been over 24 hours and I have not received a call back from him. Today I did some research and found his business online, but the address does not match the address on the letter, nor does the address on his website match a legitiment address on XXXX maps. The website address is XXXX.
reported to all XXXX bearu on iteams that are not mines XXXX out of XXXX bearus removed items Equfix has not updated any iformation 3 months no reply or updateds I 'm tryong to buy a home and the iteams that are not mines is still showing on my account lowering my credit score in i need help!
My XXXX is not working with me to find a solution for my situation. Just giving me run around. I am trapped and do not know what to do. I applied for modification several times and they have never given me a valid reason. This time, I got this letter saying that I have reached maximum number of modifications. I do n't know what it means and they are not willing provide any proof of their statement or clarify it. They are making up fake reasons while adding all kind of fees on my account making it impossible for me to keep my home.
We were late with XXXX payment and Speedy Cash hit our bank account for XXXX without notifying us. This caused major problems with our bank account. XXXX of our credit card account payments bounced and created a bad mark on our credit and we were in the process of qualifying for a house. That made us not qualify for the house and we are having to start over. Also we found out that Speedy Cash sold our phone number to other loan places and we were getting many calls from other loan companies. We had to change our phone numbers.
Equifax has persisted in identifying me as " XXXX XXXX XXXX XXXX '' on my Equifax credit reports, despite the fact that I have notified them on 3 occasions over the past 2 years that this is incorrect. My birth name and my legal name is " XXXX XXXX XXXX '' ; never have I represented myself as " XXXX XXXX XXXX. '' I have filed disputes with Equifax over these and spoken with their customer service, and despite these efforts, they refuse to correct my personal information. I was under the belief that the credit reporting companies were not allowed to knowingly publish false information. I'm including an attachment from my Equifax online account which clearly demonstrates that, of this date, Equifax continues to erroneously identify me as " XXXX XXXX XXXX XXXX. ''
On or around XXXX XXXX, 2017 - XXXX XXXX XXXX XXXX  realized that they incorrectly reported information to all three ( 3 ) major credit bureaus. At that time, XXXX XXXX XXXX XXXX requested that all three ( 3 ) major credit bureaus delete the information. Equifax has not deleted the information.
Bank of America has not complied with California Civil Code 2924.17 ( a ) and ( b ). 
On XX/XX/2013 Bank of America approved MHA HAMP and MHA HAMP TPP. 
Bank of America caused to be recorded the NOD without ensuring all was accurate and complete and supported by competent and reliable evidence, and after substantiating borrower 's default and servicer 's right to foreclose. 
Also, just to correct a typo under CFPB complaint XXXX, the correct California Civil Code is 2923.55 ( f ), not 2924.55 ( f ) as stated.
Citizens Bank charged our account {$230.00} in overdraft fees for XXXX overdrafts. The charge appeared on XXXX. The XXXX overdrafts occurred, they say, on XXXX. Never once did the running balance of the account go below zero -- there was never an overdrafting of the account to justify any fees at all. The account running balance never dipped below {$40.00}. 
I have asked Citizens Bank for the refunding of the fees and I have not received it. They gave me an incident confirmation identifier of XXXX.
I am constantly besieged by " return of posted check '' fees, " returned item fees '', and " overdrawn balance fees '' simply by trying to pay my credit card bills with my Bank of America checking account. This is not the first time I have had this issue. When I first called, they gladly refunded the fees. Then they stopped, insisting there was no issue on their end. I do n't understand why, even when I have funds in my account to cover the bill, I get a " returned item fee '' the next day. Then, for some crazy and putatively fraudulent reason, Bank of America decides to charge my account again, knowing full well that the payment did n't go through the first time. Then once again, they charge me a " returned item fee ''! Then to add insult to injury, they assess " insufficient fund fees '' because they have been draining my account with these pernicious cycles of " returned check '' and " returned item '' fees!
I tried calling Navient at XXXX about my student loan where the caller keeps getting automated menu responses after a lengthy period of time - there is NOTHING ON THE MENU to connect the caller to a real person. When I finally was able to connect I asked who & where I was talking to the person would not give me their name and said they were from XXXX ( would not give specific country ) ; additional they had difficulty articulating in the English language. I asked multiple times to be connected to the UNITED STATES - each request was denied. I do not trust giving my information to someone overseas and I heavily object they have my information as well as that of other students. 

Navient needs to provide, without delay, a phone number that connects the student borrower to an actual person in the United States. 

This is highly unacceptable and there should be legislation preventing this from happening. 

I DO NOT AUTHORIZE THE " CONSUMERS FINANCE PROTECTIO BUREAU '' to release my email to Navient whatsoever.
Unhappy with the way Capital one is handling disputes, by stating that XXXX is not giving them enough room to help me.It looks like Capital One wants to charge me the amount without looking into the fact, which is costing me more money and time to get my refund, and happening repeatedly. 
On Fri, XX/XX/XXXX I was charged {$990.00} by XXXX XXXX XXXX for fixing coolant leak in my car for First Time. My car is again coming back with same coolant leak issue. Next I went back and I was charged Tue, XX/XX/XXXX was charged for {$510.00} and again the coolant leak is coming back, when I went back for second time XXXX 's initially agreed to fix the issue at no additional cost and told it will be resolved in a day, but they hold my car for extended period of time and charged me additional amount. I have no faith in XXXX 's motor, as they are ripping me off by no fixing my car and trying to make me come back and charge additional money. If Capital one needs second opinion for me to get my refund, then I request Capital one to pay of a professional to diagnose my car and give a written note, as for me my car is the evidence that the car coolant leak is not fixed. 

I filed dispute with capital one for both transaction and Capital one refuses to refund my money, only because XXXX XXXX XXXX send my invoice which hold no weight or proof that my issue is resolved. I only signed the invoice with the garuntee that XXXX 's has resolved my coolant leak, but my coolant is still leaking, I have to top off little coolant every other day and drive my car, which is costing more money as it is. 

Adding to above, during my second visit XXXX XXXX XXXX ill advised me to sell my car, so that I wont have any evidence to prove my case.
I have been trying to wrap up a HAFA short sale for well over a year and Wells Fargo does not want me to do a short sale. Everytime I get to the finish line, they change short sale negotiators and I have to start the process over. I have been through XXXX Negotiators. I am at my wits end. Now we have a Liquidation department disregarding us. We need HAFA funds to relocate. We have a viable buyer. In fact we have had XXXX viable buyers who increased the sales price when the value increased due to different negotiators changing. We have children in school and I wanted to try to relocate this summer so that I would n't disrupt their school. I have missed out on decent housing because the short sale negotiators keep changing. Just recently, the negotiator made us resign a contract in front of a notary and had the buyer make other concessions. We adhered. We could n't do it right away when our Realtor contacted us because we had to take our oldest son off to college. He has a full scholarship and we accepted into a special summer program. It 's not easy selling our home because we do have major water damage and we have n't been able to remodel it. At least with a short sale in a year or 2, we can buy again. If we have a foreclosure or a deed in lieu, we will be prejudiced for 7 years. I am losing my mind from this. While we were waiting for a final approval, the negotiator sent their attorney notice to reset a foreclosure sale date. We just received it in the mail today. This has been a God awful experience. Now, they are forcing us back into bankruptcy. My neighbor works for the banks and told me when they start doing this, its because they want to collect the mortgage insurance claim instead of working with the homeowner. We really need help. We had a bad pickapay loan from the beginning. We want the same opportunities extended to all the other homeowners. We did everything required of us and the buyer has funds to buy this property. We really need to relocate to get back on our feet. We want to be able to get our family situated.
I was hired to XXXX a XXXX job and deposited the customer 's check into my account on XXXX XXXX, XXXX and as of XXXX XXXX, XXXX three holds have been placed on the check. The issuing bank stated that the check was paid on their end and there was no problem with the check. I have a {$35.00} dollar fee for an insufficient check in the amount of {$500.00} when funds are being held in the amount of {$6800.00} that was already released to XXXX XXXX XXXXXXXX from XXXX XXXX XXXX. I also had a {$100.00} hotel deposit from XXXX XXXX XXXX that was released back into my account that disappeared on last week. What happen to my {$100.00} dollars? I feel that Bank of America is in violation and need to be investigated!
I filed a dispute with Equifax on XX/XX/2017 and they never completed it.
not sure what this company Kramer and Associates is trying to collect from me but they are calling my employment and family and friends.
his letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
I have made extra payments to my mortgage regularly. In XXXX, XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Services. Since I have not yet made an extra payment with Carrington, I called last week to ask them how to make an extra payment and have it applied to the principal. They told me to go online and select " additional payment, '' and it would automatically be applied to the principal. I did, and my extra payment was applied mostly as a monthly prepayment, with only {$46.00} going to the principal. There are already thousands of complaints posted against Carrington for finding creative ways to make sure your extra payments don't go towards the principal. Why hasn't this company been shut down????
I WISH TO FILE A COMPLAINT AGAINST XXXX. DBA NEW AMERICAN FUNDING FOR UNETHICAL ACTIONS, RESPA VIOLATIONS, & BLATANT BAIT & SWITCH WHICH OCCURRED DURING THE PURCHASE OF A HOME IN XXXX XXXX , NV. ON XXXX/XXXX/2015, SET TO CLOSE ON XXXX/XXXX/2015. 

MY CLIENTS RELIED ON PERSONAL INTERVIEWS, LOAN APPLICATION, A CLASS ON REVERSE MORTGAGES & THE REPRESENTATIONS MADE BY NEW AMERICAN FUNDING & THEIR STAFF. 

ONE DAY PRIOR TO CLOSE OF ESCROW, MY CLIENTS WERE TOLD THAT THEY NEEDED AN ADDITIONAL {$16000.00} TO CLOSE THE REVERSE MORTGAGE. WHEN THEY CAME TO XXXX XXXX THE NEXT DAY, THE LOAN DOCUMENTS, WHICH ARRIVED AT THE LAST SECOND, CONTAINED NUMEROUS ERRORS & INCONSISTENCIES AND THEY WERE GIVEN NUMEROUS ESTIMATED COST SHEETS THAT WERE ALL DIFFERENT, GENERATED DAYS APART. 

THE LENDER, IN SPITE OF PLEADING FROM THE ESCROW OFFICER & MYSELF FAILED TO INCORPORATE THE TITLE COMPANIES FEES & COSTS INTO THEIR ESTIMATES & GAVE MY CLIENTS INCORRECT INFORMATION ABOUT THE AMOUNT OF MONEY NEEDED TO CLOSE THE TRANSACTION. 

IN GOOD FAITH MY CLIENTS WERE GETTING A REVERSE MORTGAGE, PUTTING NEARLY XXXX % DOWN, BUT COULD NOT GET TRUE COSTS FROM THESE PEOPLE. 

WE CHECKED AFTER THE TRANSACTION FELL APART & THERE WERE, XX/XX/XXXX, XXXX COMPLAINTS AGAINST NEW AMERICAN FUNDING FOR SIMILAR REASONS. 

AS A DIRECT RESULT OF THEIR ACTIONS, MY CLIENTS LOST THE HOUSE SURRENDERED {$10000.00} EARNEST MONEY TO THE SELLER, AND PAID {$3500.00} IN TRAVEL EXPENSES TO COME TO XXXX XXXX TO PURCHASE THE HOME. I WORKED DILIGENTLY FOR 18 MONTHS WITH MY CLIENTS EARNED THE XXXX % COMMISSION OF {$12000.00} AND LOST IT. TOTAL LOSS TO THE XXXX OF US - {$26000.00}. ALSO INCLUDING THE APPRAISAL OF {$450.00} AND {$400.00} FOR THE INSPECTION. 

THIS COMPANY IS A TRAVESTY AND NEEDS TO BE STOPPED REGARDING THESE EGREGIOUS PRACTICES. 

WE RELY ON YOU TO HELP US AND RESOLVE THIS SITUATION. WE LOOK FORWARD TO YOUR RESPONSE. 

THANK YOU,
On XXXX XXXX, I wrote to Experian, XXXX  , & XXXX  informing them that the accounts listed on my credit report is inaccurate and incorrected. I showed proof of all the inaccurate information reporting on my file. I started with account # XXXX in the amount of {$370.00} being reported on my file. University Of XXXX account # XXXX I informed them of NO CONTRACT. Account # XXXX IN THE AMOUNT OF {$860.00} NO CONTRACT, XXXX ACCOUNT # XXXX Inaccurate information. And on XX/XX/2018 XXXX  & XXXX  Informed me that the items were verified. Which is through a the XXXX  system. I got nothing in writing stating who XXXX  & XXXX   spoke with from these companies am disputing this information from nor is they licensed in my state to collect on this alleged debt they say I owe them. Experian never responded to my letter from XX/XX/2018. So on XX/XX/2018 I wrote to XXXX XXXX/Account # XXXX asking the to validate the {$370.00} they say owed them with evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them They sent me a itemized bill in return. I have not received any evidence bearing my signature from this company. But they are still reporting this inaccurate information on my credit file. I wrote to XXXX/Account # XXXX on XX/XX/2018 asking to validate the account with evidence bearing my signature. I received a letter stating XXXX is collecting on a alleged debt from XXXX XXXX XXXX. They showed no proof of any evidence bearing my signature with neither party. I would for this misleading inaccurate information be deleted off my credit file as soon as possible.