WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I had called Barclays Credit to see why I have not been accruing points. A very nice person named XXXX told me about an offer where I would be able to obtain a loan from Barclays for {$4000.00} I was told that this process would take 2-3 days and the money would be in my account. This was told to me as an incentive as opposed to a balance transfer since the speed to which I would get my funds would be 2-3 days as opposed to 7-10 business days. I was also told that my APR would be 0 until XX/XX/2016. 
I submitted this request with XXXX on XX/XX/2016 and was told that I was approved and to expect the money in my checking account by the end of the week. This was not the case. I called Barclays several times and was told that I was misinformed and that this is considered a balance transfer and would take 7-10 BUSINESS days not regular days. Im am upset as this is clearly a UDAAP issue as I dont have the funds and there is a hold on my account for {$4000.00}. In addition I was told that my current account would start to accrue apple points and it has not. This is not fair and extremely deceptive. In addition they told me the request was placed on XX/XX/XXXX which is inaccurate.
I submitted a public record investigation request to LexisNexis XX/XX/2017. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA
I have not been able to access any of my money currently being held in TD Bank without explanation. This pertains to both my checking and savings account. I have attempted to fix this problem at the branch and by calling their customer service but both have been unhelpful. It has been over a month since I have been able to access my money and since then I have been unable to pay my rent, buy food, or fill my prescriptions.
Please be advised of the following. The response from XXXX XXXX to the Consumer Financial Board states the following : " Sent to company STATUS Sent to company on XXXX/XXXX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

You should receive an update from the company within the next 15 days, and a final response within 60 days. 

Company still working STATUS Company response is in progress as of XXXX/XXXX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE When we were notified of this case, we sent you a letter letting you know we received it. We also called you at XXXX, on XXXX XXXX, XXXX, to discuss the situation. We left a voice message with our name and contact information for a return call. Although we began researching your concerns right away, we need more time to complete it. Please expect a letter from us when we have an answer. Thank you for your patience. '' I checked my telephone and there was no record of a message or telephone call. The fact that JP Morgan will again use the same old tired tactic of " researching complaint '' is a tired trick by a dishonest and greedy institution. 
Just wanted to have this on the record. They have excelled in the art of deceptive mortgage practice and by stalling they hope to frustrate the consumer. Not me. Will not happen.
I was denied a loan due to an erroneous collection on my credit report. My bank informed me of a XXXX collections on my credit report from Enhanced Recovery from Direct TV in the amount of {$410.00}. I was never contacted by phone, mail, or email by them about any money I owed. I do not have any outstanding bills for this amount and do not owe them money. As this is causing negative marks on my credit, I would like for this to be completely removed from all XXXX credit bureaus, promptly. I have an attorney that is ready to represent me with a law suit if this is not taken care of. These negative marks have caused me to be denied for a home loan. I want this taken care! I have disputed this account over and over and never get validation or proper documentation. TAKE THIS OFF MY CREDIT!!! YOU ARE XXXX COLLECTION AGENCY TRYING TO COLLECT A DEBT THAT HAS BEEN TAKEN CARE OFF YEARS AGO! THIS DEBT WAS PAID THROUGH CENTURY LINK AS A BUNDLE!!! REMOVE THIS OFF MY CREDIT.
I consolidated my student loans and called Navient to begin making payments. I was given the PA address to send my payment to which was not the correct address for XXXX XXXX XXXX XXXX  loans. My payment was pulled from my bank account onXX/XX/XXXX and cashed by Navient on XX/XX/XXXX. I noticed it was not on my account and I called Navient to inquire. They stated they could not find the payment but I could submit my bank statement showing the payment was sent and cashed. I did this and did not hear anything back. I called again about 3 days later and I was told the request was sent to the payment department. The payment has still not posted and I call them daily. I was then sent a letter from Navient that my payment was located and sent to the wrong address. The letter did not state what they were doing with my {$400.00}. I called again and I was told the Treasury department now has the money and it would be applied to my account on XX/XX/XXXX. Today is the XXXX  and the payment is not there. I can not sign up for bank draft on their site because it still shows my account past due. I called them morning and was told another person at Navient would call me to discuss what is happening with my account. I was directed to their voicemail to leave a message and my number. I need help.
I have my majority of my student loans through Navient, both federal and private, and they have refused to put me on an income-based repayment plan. I have pleaded and argued with them for months now and continue to deny me this service. I have also noticed that every time I speak to an employee at Navient I am told different information whether it is I can file for forebearance or not until my current balance is due, which they currently charged me late fees that add up to {$810.00}. I am sick and tired of being used as a living bank that they think they can take all of my money, and leave me with nothing to live for.
Around XX/XX/XXXX, we received a call from wells fargo claiming that our business account was taken over and someone withdrawn a couple thousands of dollars. The man on the phone said he could start the process of refunding the money to us and start the investigation. He asked us questions and gave us options to choose from, the last four of our social, and then told us he was going to send a text with a code to verify it was us. We answered all the right questions and he said he deactivated our cards and new ones would be sent to us overnight. We were thankful that wells fargo took action and notified us but this wasn't the case. The following morning I logged in and notice that our business account and personal account both had withdrawals. So I decided to call to verify they were taking care of both accounts instead of just one. When I called, they asked literally the same questions as the previous phone call the night prior. the wells fargo lady told me that there was no fraud investigation our our accounts and no notes have been made. She insisted and asked more questions but I hung up and went directly to a branch. At the bank they stated that they cant do anything by investigating who took our money because it would be too difficult and that it would be best to close the account and start a new one. They said they could continue the account number for 60 days and a new account number would take over. What they didn't mention was that anything over 300 dollar transaction was immediately denied. I made my mortgage payment and they denied it. I had no idea that my mortgage did not go thru and on the 15 day after the mortgage is due, its consider late and a hit on our record. I tried to ask for them to notify our mortgage and let them know it wasn't our fault and we had the funds in our account but they said they couldn't do anything. I'm frustrated with how wells fargo handled the situation in the fact that they denied the mortgage payment even though its a reoccurrence every month and they wont take responsibility for our credit hit.
XX/XX/2017 I went to a hospital in XXXX, Tx. Medicaid Insurance covered the bill. Since then I have had no medical bills sent to me and Medicaid said they paid the full bill amount and all of the medical billing were suppose to go to Medicaid. But I got a fraud collections account posted on my credit from Midwest Recovery systems saying I owe it {$480.00}. I have experienced this collections fraud before over a medical bill. I don't think credit monitoring is a secure site to have knowledge of people 's identity.
The original creditor did not submit bill to payment to the right insurance company, and were unable to locate the bill so payment could be sent to them. I referred all of the credit collection agencies to contact my insurance company for payment which they did not do. 
I have paid my co-pay that was required by my insurance company. XXXX credit collection companies have sent delinquent status letters and put this debt on my credit. I have a notice showing that I do not owe anything, but they continue to harass me. XXXX XXXX, XXXX has several companies that are repeating these tactics and have had to remove the debt even knowing that the debt is not under collection. The following collection companies and owned by XXXX is XXXX, XXXX XXXX XXXX XXXX XXXX, and now Dynamic Recovery Solutions. These companies have been shown proof and now are just harassing me now and I do not know what to do to get them from doing this on each company that XXXX XXXX owns. How is this legal? I have notified you concerning this problem and was told that I did not enough information to open a case. Please take care of these people from doing the same to them to. I am on XXXX and have good credit but XXXX is causing me in trying to get a decent interest rate on a auto loan, and a refinance on our home. I have proof of the bill showing XXXX on the bill, that each of these companies have received to them and contacted all of the credit agencies to get these items off my credit report. This is harassment especially when I have sent proof of evidence. You are my last hope in helping me get this resolved and prevent this company from doing this to someone else. Thank you for taking the time and hope we can get resolution to my problem.
Debtor filed for bankruptcy and requested referral to the XXXX program. This program gives the borrower a chance to modify his/her mortgage loans while in XXXX. Although the borrower submitted the complete package to Seterus, it refused to submit the borrower 's complete package to XXXX underwriting.
I am frustrated in regards to the accounts that are not associated with me, I have filed an identity theft report and faxed it over to all 3 bureaus, I have contacted XXXX, XXXX, and Equifax via phone, fax, and certified mail. I haven't had any luck in getting anything resolved. I am trying to buy a home, and accounts that are not associated with me are coming back and reporting negatively which is impacting my score tremendously. These accounts have been lingering on my account since 2014 The following accounts where tied to my name which I havent opened : XXXX XXXX in the amount of {$590.00} XXXX XXXX in the amount of {$450.00} XXXX XXXX XXXX in the amount of {$450.00} XXXX XXXX XXXX in the amount {$220.00} XXXX  XXXX XXXX XXXX in the amount of {$550.00}
Focus Recievables Management calls my home multiple times a day. When I answer, it is just a recording asking me to call back. I do not owe any debts to any company, so I attempted to call back 4 separate times to ask them to stop calling me. Each time, the line says all representative are busy. Yet, the company calls me nonstop.
This is an addendum to complaint XXXX. 
Initially when I called Experian to complain ( my 1st complaint ) about my report and FICO score they said I would n't be charged {$19.00} which was showing as pending when I made the call on XX/XX/XXXX Experian charged my account anyway. I called once on XX/XX/XXXXand another time the week of XX/XX/XXXX to ask them to remove the charge again. The second time they said just ask XXXX XXXX to remove the charge. I said if I do that I am reporting it as fraud. You made the charge for the month of XX/XX/XXXX after I cancelled the account in XX/XX/XXXXand you agreed not to charge me. Experian reluctantly agreed to remove the charge. By XX/XX/XXXX the charge still was not removed ( 2 months after it was charged ). I reported it to XXXX XXXX who removed the charge on XX/XX/XXXX and sent me the attached letter. Obviously Experian ca n't be trusted to correct their own simple billing errors. As I said in my previous complaint : Experian should stop worrying about their sales of credit cards and products and fulfill the job of a credit reporting agency fairly. As the Experian reps told me - Experian has no control over their credit reporting agency, the policies and procedures of their agency, the credit reports they produce, or the FICO scores their agency produces that affect millions of consumers ability to get credit at fair rates based on their credit score and credit reporting history. Experian should step out of the primary credit reporting and scoring company until they can get their act together. Because if this happened to me it has certainly happened to hundreds of thousands if not millions of others. XXXX who has none of these problems should take the lead as primary credit reporting agency for the sake of millions of consumers who need fair and accurate credit reporting and credit scores.
I recently submitted a request for investigation of a which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified one of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. Experian will also not allow me to do these disputes online. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

Additionally, the following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.
In 2010, the value on my property had dropped significantly due to the mortgage meltdown, so my wife and I became behind on payments on our first and second mortgage. We were advised by an attorney to file bankruptcy. We had to file Chapter XXXX, because of our combined income, and later converted the case to Chapter XXXX when my wife lost her job. The Chapter XXXX bankruptcy was discharged in 2010, eliminating my 2nd mortgage and allowing me to keep the 1st mortgage and my home.
On XX/XX/XXXX I responded to a XXXX vacation rental listing XXXX # XXXX XXXX for a townhouse located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, FL asking if this property was available for rent for XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX responded by email indicating that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL was available for rent for the XX/XX/XXXX period for a monthly rental of {$2000.00} plus a {$500.00} security deposit and a {$250.00} cleaning fee. Payment of these funds was to be made via bank deposit, XXXX or XXXX. 

On XX/XX/XXXX, XXXX XXXX emailed to me a rental agreement form and instructions for the transfer of funds. Funds were to be transferred to a Bank of America account of XXXX XXXX wife - XXXX XXXX. The account # is XXXX and the routing # is XXXX. The bank is located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. 

On XX/XX/XXXX, I completed and signed the rental agreement and faxed it back to XXXX XXXX XXXX XXXX # XXXX ) and transferred {$2700.00} to XXXX XXXX XXXX wife 's bank account, On XX/XX/XXXX, XXXX XXXX confirmed via text, the receipt of the full amount of {$2700.00}. 

I became concerned about internet scams involving vacation rentals and on XX/XX/XXXX I was able to retrieve from the XXXX XXXX Florida public data base a copy of the Warranty Deed for XXXX XXXX. The Warranty Deed indicated that XXXX XXXX XXXX is not the owner of XXXX XXXX and therefore has fraudulently listed this property for rent. 
Subsequently, I spoke directly with the property owner and he confirms that his property is not available for rent. 

I have telephone, emailed and texted XXXX XXXX indicating that I wished to cancel the rental reservation and requested that my deposit money be returned. XXXX XXXX has not responded to repeated attempts to contact him nor has the deposit money been returned. 

Bank of America confirms that XXXX XXXX XXXX bank account has been closed and after contacting XXXX XXXX they indicate that XXXX refuses to authorize the transfer ofdeposit funds back to my account.
LVNV never even sent me a letter saying that this debt was owed or where to send a payment to. There was no contact between me and this debt collector then all of a sudden on day out of the blue I recieve a court summons saying I am being sued. I was never given a chance to work out a payment areangemen ( which I would have done ) or anything of the sort. Now I have to pay the debt plus court fees and the laywer is telling me even if we dont go to court on this it will still show as a judgement on my credit. This seems unfair to me as I was never properly notified of the debit to begin with! How is it legal for them just to do this to people?
M & T bank issued me a letter on XX/XX/XXXX specifying that my hazardous insurance has expired and that the bank plan to buy. Also, the bank ask that I should provide insurance evidence as soon as possible and fax or mail to the bank. 
So I called bank, roughly on XX/XX/XXXX, asking how many days that I have to buy the insurance ; bank rep. answered that I have 45 days before bank forcefully buys for me. 
I called insurance agent and purchased the insurance on XX/XX/XXXX ( within 45 days of bank notice ). The insurance I purchased covers from XX/XX/XXXX - XX/XX/XXXX. 
On XX/XX/XXXX M & T bank issued second letter that I need to provide evidence of insurance for the period of XX/XX/XXXX thru XX/XX/XXXX else they will charge me {$1300.00}. 
I called the bank and mentioned that I did not receive any notification about my insurance was going to expire on XX/XX/XXXX. The rep. also acknowledged that she does not see any notification issued to me from M & T prior to XX/XX/XXXX about getting insurance renewed. The only notification she sees about hazard insurance expiration from the bank was issued on XX/XX/XXXX. 
I followed bank instructions and did the due diligence to purchase the insurance for one year and provided evidence to them. The bank DID NOT state any timeframe or dates on the " first letter '' that I need to purchase or cover the insurance for. The bank DID NOT issue insurance expiration notification prior to XX/XX/XXXX. So after I acted on the bank instructions to purchase the insurance and provided the evidence, the bank now wrote specifying to show evidence of past dates coverage ( XX/XX/XXXX thru XX/XX/XXXX ) on the " second letter ''. 
To cap : bank did not issue any notification of insurance expiration prior to XX/XX/XXXX. The bank did not specify any date on their 'first notification letter that I get coverage ( XXXX ) on XX/XX/XXXX. After I purchased the insurance, the bank now releasing the dates. Their communication to me was vague or not clear. 
I respect our financial institutions but in my situation M & T did not provide notification early on insurance expiry, did not communicate clearly on its notifications that I get insurance for specific dates. We, the consumer rely, on our institutions for clear guidance to act fairly and in timely manner. 
I should not be charged for the period XXXX thru XX/XX/XXXX for the insurance. This is my issue and dispute with M & T bank.
ERC non-compliance of federal law under the Fair Debt Collection Practices Act. ERC has failed to provide me with a copy of any viable evidence, bearing my signature showing the account is being reported accurately. As per FT C opinion lett er from Attorney  XXXX   XXXX   XXXX , ERC should be aware that a printout of a bill or itemized document does not constitute verification.
Best Buy credit card not receiving statement for month of XXXX 2017, which was paid within the 30 days and they are showing 30 days late negative on my credit reports. I have always been on time with my payments
My credit was perfect! I'm in the process of buying a house in discovered that Navient is reporting late payments on my credit report, which is not true. This has drop my score 60 points and causing high interest rates for my loan!

In addition, when you try and login to the system is does not give the option and prior to that it stated no payment were due on the account. However, they are reporting negative information on my account. They have placed this information across all three of my credit reports.

The only negative on my credit report is Navient and Sally, which Sally Mae is incorrect, old and reinserted!

Please assist ASAP.
XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XX/XX/XXXX Office of Privacy and Civil Liberties XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Citibank Customer Service XXXX XXXX XXXX XXXX, SD XXXX To Sir or Madam I am writing to bring to your attention a serious issue I had with the Citibank. 
On XX/XX/XXXX a representative from Citibank Collection Department called my home. The caller spoke to my spouse and went into details about my credit card bills. My spouse is not my co-signer on my applications. 
I want to report this matter because I feel that Citibank 's representative broke the Privacy Act XXXX LAW. 
I hope to hear back from you about this incident. I can be reached by phone at XXXX at any time or by email at XXXXXXXXXXXX. 
Sincerely, XXXX XXXX XXXX PS The orginal was sent to the above address
XXXX XXXX is billing me for an appointment I did not make but that a nurse scheduled for me.A no show appointment. I never was a patient of this XXXX but I called and spoke to a nurse about pain I was having and she suggested an XXXX but I was unaware that she scheduled one for me then I got a bill for no show. I have tried disputing this with XXXX XXXX and also XXXX.I was a patient of a different XXXX XXXX XXXX XXXX once you see any XXXX all your personal information is in their system. So she had access to my information and scheduled me an appointment without my consent.