WillisBack/dataset-financial-user-claim huggingface dataset:
I am sick and tired of having to spend so many countless hours trying to fix the mistakes created by both XXXX and Bank Of America. I am a XXXX XXXX XXXX XXXX XXXX XXXX. I have attached a copy of a XXXX that I intend to file if XXXX does n't remove the negative/inaccurate mark from Bank Of America. 

Final warning.
I have a sale date on my property for XX/XX/2019 and file per my lender my loan is in litigation and my 3rd party I have authorized and my attorney even authorized to speak on my behalf with XXXX XXXX XXXX. This has been a on going issue with the lender Attorney XXXX XXXX XXXX for the Litigation process, this woman never returned my calls or EVER responded to emails at all, I have attached a conversation with all parties and it CLEARLY SHOWS that my Attorney XXXX gave XXXX all the authorization needed to be for them to speak on my behalf and she refuses to return a call to anyone at all. With my sale date around the corner XXXX wants to speak to my lender and go over the status of the file to get me some sort of mortgage assistance. I had them even email to Rushmore my lender to a Manager, Mr. XXXX and he is the same way he washes his hands of it and passes it on to who ever he can to not speak to any one. How can i get anywhere when i cant speak or have anyone speak to my lender and know what is going on with my file today.
The debt they are trying to collect has been paid for over a year. It is {$100.00} in elementary school lunch fees my child incurred. The debt was paid to the school at the end of the year. This collector calls every single day trying to collect a laughable {$100.00}. Not to mention, there isn't a person on the other line - they simply provide an automated message telling the CONSUMER to CALL the collector. If they want to handle the debt, they need to have a person on the line when you answer, not a computer. There is no way I'm going to take the time to call them back, sit on hold to tell them the erroneous debt has been paid for close to a year.
I have noticed some loan companies on my credit report and hard credit. I would like to get these off of my credit history because i have not signed up for no loans and wo n't because i know what they do to my credit report and i have a poor credit rating as it is. I am trying to bring my credit up to good not bad. the ones on the hard credit are XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
gulf coast collection agency called me at XXXX on XX/XX/XXXX saying that I owe an unspecified amount of medical debt to XXXX XXXX. Payments have been made regularly to This hospital and I am dealing directly with them. Gulf coast has sent no written notice to me. 
The person that called said " If you do not pay, I will have a warrant issued for your arrest. '' The person was male but did not give his name other than the above mentioned company.
I purchased a mattress at Macy 's for {$1100.00} on XXXX XXXX, XXXX. I returned the mattress and was due a credit of {$910.00} because of the restocking fee. On XXXX XXXX, XXXX, I received an email that my credit had been issued in the amount of {$910.00}, but yet it did not appear online or on my monthly statement. I called to ask about why my credit had not yet appeared online or on my statement and was told this could take up to 3 months to appear. When I received my statement with the closing date of XXXX XXXX, XXXX, I was in complete surprise to see that the credit I had made numerous phone calls about in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX had not yet been applied to my account. However, a charge in the amount of {$910.00} was now showing on XXXX XXXX, XXXX for a purchase at the XXXX XXXX store, which is 2 hours from my home, and therefore my credit card statement had almost doubled. I did not authorize a charge in this amount on XXXX XXXX, XXXX. I assumed this was a mistake and that some how the credit I was supposed to have received had been charged by accident. I then started making several calls to Macy and explained these circumstances over and over and no one was able to help me. Finally, after having spoken to XXXX+ people from Macy 's furniture, Macy 's credit, and Macy 's customer service, and getting bounced back and forth with no one able to do anything to fix my account, I submitted a claim online to dispute a charge and submitted the paperwork on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I then received a credit to my account for {$910.00}. However, this did not fix the problem that I was in fact billed on XXXX XXXX, XXXX the {$910.00}. The fact remains that someone charged my account {$910.00} on XXXX XXXX, XXXX without my authorization for merchandise that I do not have. I have been calling Macy 's and spoken to their fraud, credit, furniture, and customer service departments and have gotten no where. I get passed back and forth between these departments and no one can resolve this issue and they all point fingers at each other. At this point in time, my balance has been accumulating interest and late fees, which I refuse to pay. Macy 's is destroying my credit score and I do n't know how to escalate this higher within their organization. I have copies of the paperwork and emails that I can provide as backup to you if needed. Please help me in resolving this issue. It will be a year next month since the original purchase and I am so upset about what they are doing to my credit because no one that I speak to ( including managers ) have any authority to do anything. Today I received a letter in the mail that says that Macy 's believed they have resolved my issue by issuing the credit in XXXX XXXX, but they still have not acknowledged that I was in fact double charged. Please let me know what recourse I have against them. Do I need to get a lawyer at this point? Thank you.
Convergent Outsourcing, Inc. has contacted me regarding a debt from 2004 and stated that I may just have been unaware of it. I have had no notices of collection or any indication of it on my credit report and they can not give me any more information on it other than I should file a police report since I think it is fraud. Since the statute of limitations for debt collecting in the jurisdiction of New Jersey is 3 years I consider this fraud and with no documentation from them I do not believe that I should have to pay this.
Chase bank ohio applay Credit Cards. Chase freedom in the Bank and online. 2 years ago XXXX XXXX. NO PERSONAL CHECKING AND SAVINGS. ONLY CHASE LIQUID. FOR THIS CARD PAID FEES. XXXX XXXX 3 MONTH AGO NO CHECK ACCOUNT PAID YOURS RENT FOR MONEY ORDER. WHY?. THE XXXX REPORT INJURY IN MY CREDIT SCORE.WHY?
I received my tax refund on a American express Card.thuough XXXX XXXX.On XX/XX/2018 the day I was suppose to leave for my vacation.I swiped my card to purchase a rental car.The Merchant declined my card.So I checked my balance to find out there wasn't any transaction but the card holder took XXXX off of my card for a transaction that didn't even take place I called over a dozen times including a conference call with the merchant and the card holder American express to get a understanding to why was it even taken off. if there wasn't a purchase.American express says there's nothing the can do.but wait 30 days for them to deposit it back to my account.where is the cusumer right in this I did not authorize American express to take anything.My vacation to XXXX  was ruined.this can't be justifiable.
I have a interest only loan. Every month I try to pay what I can to reduce the principal balance. Bayview was applying the extra payment to the principal until XXXX 2015. Although I 've told them verbally and in written many times to always apply the extra money to the principal, from XXXX they chose to apply it to future payments. Any intent to correct that takes at least XXXX to XXXX calls over a month to their customer service department because the agents have no clue how to verify if the correction was made or not. They do n't even know how to read their system and most of the time is wasted in them trying to understand if there was a misapplication reversal or not. Each call takes between XXXX minutes to over an hour. When you ask to talk to a supervisor, they transfer you to a " never stop ringing extension ''. There is no one to complaint about. They just say sorry and apologize but do not provide a resolution and as a client you feel completely mistreated. I wonder how these people can handle something as important as loan payments and they are not even trained to do that. I am attaching an email that I sent them in XXXX XXXX and they replied on XXXX XXXX. The same day that they made the misapplication again for the following month. In the statement they request the payments to a XXXX XXXX XXXX in a letter they sent me they suggest to send the payment to their address in Florida in order to " ensure proper application ''. This is contradicting. Why do n't they have the Florida address in the statements? Why would they not " properly apply the payment '' when I send the payment to their XXXX XXXX XXXX
The company allowed someone to add my husband onto their credit card account as an authorized user without his knowledge or consent. We have no idea who the account holder is or how this happened. It is preventing us from moving forward on our mortgage loan. I spoke with the office of the president at  XXXX    XXXX   and they provided me with a letter stating that I have been removed from the account. However the credit reporting is still on my credit report and they are unwilling to electronically correct this error and remove the account entirely from my credit report until the normal reporting date of the  XXXX . THIS IS PREVENTING  US FR OM APPLYING FOR A MORTGAGE AND IT NEEDS TO BE REMOVED IMMEDIATELY!
I have received discharge order from bankruptcy court on XXXX XXXX, 2000. 
But on my credit report, there is still a account balance is $ XXXXPlease remove {$120000.00} from the account balance ( Closed account ).
On XX/XX/XXXX I paid a XXXX  statement on the Regions website, as Ive done for the past several years. Apparently their website rejected the payment, and my next statement showed an ACH return ( there are plenty of funds in the checking account that was used to pay it, so there shouldnt have been a problem ). This also was reported to the credit reporting agencies and my credit rating took a huge hit. 

On XX/XX/XXXX I called their Customer Service number, and spoke with a XXXX in XXXX ( confirmation # XXXX ). He said that the routing number for my checking account bank had changed on their website ( but I confirmed that it hadnt ). He said that he was going to re-submit the payment and that should take care of it. I was also told that the collection phone calls would stop, but they continue - and that they were going to investigate this and send me a letter, but that hasnt happened either. 

Apparently re-submitting the payment didnt work, because its still showing as outstanding on my current statement, and last week I got a notice from my credit monitoring services that the account had been closed. I called last week and escalated this to a supervisor, but she wasnt any help either. And on Monday XX/XX/XXXX I e-mailed the two people in their Office of Customer Satisfaction, with a CC to the president of the company ( O.B. XXXX XXXX, XXXX ), but didnt get a response from any of them. 

Thanks in advance or any help in resolving this situation.
I have disputed A Charge on my credit Report with XXXX over a dozen times! I have a fraud warning on my report which I dont understand why thy removed it without my consent. I last disputed with XXXX  on XX/XX/2018 regarding the charge with PRO COLLECT for the amount of {$2900.00} I have submitted manually and electronically through various services such as XXXX XXXX, Also directly with XXXX over the phone regarding the disputed information! XXXX  has failed to supply me with factual accuracy information from this company who has reported against me! I told them that I need proof that the company has a signed contract and identification proving that I am whom they are litigating! I have given XXXX over 4 months to properly support this information or remove it and neither is done XXXX sent me a report on XX/XX/XXXX with open account information! not a disputed decision And I am demanding that any And all information reported be sent to me on this company behalf!
I opened a bank account with XXXX located XXXX XXXX. & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX and every paper I signed, I asked if my credit will be affected. They said no, and I continued to agree. Little did I know that they placed a reserve account which is a small line of Credit that I absolutely do not need. After looking though my credit score, it has dropped 20 points due to this issue. I called them right away and said they will fix this issue. They proceeded to cancel the cash reserve and will call me me back once the issue is resolved. Couple of hours later, they called and said there is nothing they can do and already talked to their compliance team. Keep in mind, they already canceled the service and now I do not have this cash reserve which dropped me 20 points, and this still on my credit report. This is simply not fair and very shady.
I have not used XXXX XXXX in any instance. I dont know how XXXX is on hard inquiries, i did not use them in any form
Purchase of a 2 bed/2 bath condo at XXXX XXXX XXXX ; XXXX ; XXXX, WI with a close date of XX/XX/XXXX. 

XX/XX/XXXX - Signed off on a rate lock disclosure stating a 30 year amortorization period. 
XX/XX/XXXX - Signed off on a preclosing disclosure reflecting a 30 year amortorization period. 
XX/XX/XXXX - Texted that I will only be receiving a 20 year amortorization period and am being forced to sign a new preclosing disclosure reflecting this change with no quantifiable " change of circumstance '' Closing got pushed back to XX/XX/XXXX and I will be forced to forfeit earnest funds of {$1500.00} and a payment of {$480.00} for an appraisal if I am to walk away from this transaction. 

Requested Compass Mortgage disclose the " change of circumstance '' and was not given a reason. I was told they were within their right to make this change. When I called CFPB for guidance, a conclusion of filing a complaint was acknowledged.
I had a federal XXXX mthly check deposited. then it was fraudulently taken out in XXXX florida on the XX/XX/2017 around XXXX eastern to XXXX eastern time now direct express will not give me my provisional money or answers as to why their customer service is terrible and lack of fax number for expedited letters and lack of communication i am out my monthly check and am being evicted out of my residence.
My name is XXXX XXXX XXXX my SS XXXX my DOB is XXXX. I have old and unknown addresses appearing on my credit report. The following addresses are not mine they are inaccurate please delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX I have several number that are not mines on my credit report that need to be deleted the following numbers are not mine ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Hi, my name is XXXX XXXX : I am filing a complaint against Republic Finance of XXXX Louisiana : Today I contacted XXXX Credit Bureau Agency ; And the representative made me aware, that Republic Finance, was showing opened on my credit file, as of XXXX/XXXX/2016, I disputed it with credit bureau ; because It 's not my account ; Whenever I had previously disputed this company, they provided XXXX with information saying this was my account. My ex-husband told me numerous of months ago this account was closed : so I followed up and ask XXXX XXXX, the manager at XXXX. La XXXX, and he told me that the account had closed, and that he had reported this to the credit bureau. So whenever I was told the account was still showing opened at bureau ; I once again contacted XXXX XXXX, and he made me aware that the account was refinance ; he told me that he could n't talk to me about the account ; I then asked him, how can you not talk to me about my own account, he refused : without my knowledge he refinanced the account, and told me false information, that he had told the credit bureau that the account was closed. XXXX XXXX fradulent removed my name from account, and did n't bother to report the closing of account to bureau, after I had contacted him to ask him to please close, delete or remove from my records. I feel like XXXX XXXX does n't like me because of my race, he also hates me because I am disable.
I have a Home Equity Line of Credit ( HELOC ) with Chase Home Finance ( Chase ). The line of credit was frozen shortly after it was opened. According to Chase, the reason the HELOC was frozen was due to a diminution in value of the home securing the HELOC. 

In or about XXXX, 2014, I received a check in the mail for {$65.00} from Chase. I was instantly suspicions as Banks do not generally send unsolicited check to consumers. The Cover letter accompanying the check explained that " During a recent review, we found that you are due compensation for valuation fees on your home equity account. We apologize and have enclosed a check for {$65.00} as compensation. " As I was suspicious, I called Chase to confirm the legitimacy of the check and to find out what it was for. I was XXXX told to write to chase with my request, which I did. I have spoken with Chase numerous times since then and still no one has explained to me what that compensation is for except to say that I was charged a fee that I should not have been charges and this was a refund. 
The problem with this explanation is that it does not fully compensate me. This account accrues interest, if I was overcharged for a fee ( an unexplained fee ), my regular monthly payments were not paying off principal and this reducing interest at the rate had the error not have happened. So, {$65.00} is insufficient compensation.
I made a terrible mistake and borrowed private student loans 3 different times in XX/XX/2006. I believe I borrowed XXXX now XXXX XXXX XXXX  owns the loans and they have me owing XXXX. The rate was a balloon rate. I tried paying them what I could but the balance kept going up each month. Now they sued me and placed garnishment against me. They are impossible to deal with. I dont feel I owe them this much money and they have not provided a detail print out of y it is this much.
As explained and ignored in the previous complaint filed with CFPB XXXX on XXXX the XXXX payment MidAmerica claims to have received on XX/XX/XXXX was paid to them through XXXX directly by me. The documentation was provided in the previous complaint along with all documentation to show the loan should not be past due. They claim to have received funds from XXXX to bring the loan current but it does not appear they have done so. I have since spoken directly with XXXX ( XXXX Agent ID XXXX ) on XXXX and they have stated they can see all the documents I provided and have yet to receive correspondence back from MidAmerica as supposedly MidAmerica was not in receipt of any of my loan docs from previous servicer. I have once again attached the XX/XX/XXXXpayment received by XXXX on MidAmericas behalf showing this was paid by me and not an adjustment of funds from XXXX. The loan should only be due for XXXX which was mailed by my bank on XXXX.
I received a letter from convergent XXXX about a collection debt of {$3500.00}. They say the original creditor was XXXX.client account number XXXX.I do not know who these people are and I do not have any outstanding balance with any company such as XXXX.
To whom it may concern, I have been having financial problems with keeping up with my bills. I have asked my mortgage provider for help. It 's very confusing with their response. One they said I ca n't get help because I made more then my bills. Then I reapplied. They said I should of not been behind on my mortgage and they ca n't help because I should of not falling behind and if your not behind on your mortgage we ca n't help you. But, yet they state on their web site to call as soon as your not able to make your payment, and you do n't have to be behind. Allot of things these days you have to pay up front. So when I catch up to XXXX bills I 'm already falling behind on another. My hardship is going through divorce and loss of XXXX income. But they still say I do n't have a hardship. They have allowed me to make a repayment program, which I 'm very thankful because I really want to make everything possible to keep this home. So now my income is {$4900.00}. I have bills of {$5200.00}. And now they also have jumped my monthly bill for mortgage from {$1200.00} to {$1700.00} which my bills would be around {$5600.00} ( with new calculation ) and they still refuse to help.
I had a situation where a tree fell on my house it was paid by the insurance all of the debt and they are still saying that I owe XXXX when I do n't owe anything this was a year ago I have contacted them recently because no one reached out o me and told me that I had a balance when it was told to me that it would be paid in full by the insurance. Even when I called them to confirm because they where saying it would n't be.
I have for 3 moths w XXXX  XXXX  and Experian filed documents and evidence they have all things wrong anc my credit score where I cant do what I need, and fix my life I filled forms and online to all 3. They WANT ME TO PAY. They have bankruptcy I have court documents that it and all info needs removed., identy theft and cards w fake  names on there..
This account was placed on my credit profile by ENHANCED RECOVERY without my consent wich is in violation of FDCPA and FCRA rules and Reulations, this account was purchsed for profit and is Unverified and or Inaccurate.
I have previously submitted a certified letter on XXXX XXXX XXXX and XXXX XXXX XXXX which was received and signed for requesting that a dispute be initiated for a XXXX account which is reporting incomplete and inaccurate information on my Credit Report. After the dispute process this account was verified and still displays information which is incomplete and inaccurate. The following is a list of incomplete inaccurate or information contained in XXXX account XXXX 1. Balance amount due is XXXX, and charge off amount is XXXX Account reports no payment history in prior to XXXX 2. Payment history reflects paid in XXXX XXXX however first delinquency reported as XXXX XXXX in account notes. 
3. First major delinquency reported as XXXX however payment history reports charge off in prior months begging in XXXX XXXX. 
4. No payment history prior to XXXX however account was open in XXXX/XXXX/XXXX
I purchased a XXXX XXXX XXXX Certified preowned XX/XX/XXXX After putting {$20000.00} down on the truck and {$24000.00} on XX/XX/XXXX of the same year, there have been some discrepancies oh my statements and no way to get a clear answer from XXXX XXXX licensed to XXXX XXXX by XXXX, now all of a sudden i have to send XXXX XXXX more than what should be sent according to the the Statement, I never got my Veteran discount that was promised to of {$500.00}, That finance deal does not calculate right, Plesse help me CFPB