WillisBack/dataset-financial-user-claim huggingface dataset:
My home was approved for foreclosure sale on XX/XX/XXXX.  Signed by Judge XXXX XXXX on XX/XX/XXXX of the Circuit Court for XXXX XXXX County Maryland. The Order says XXXX XXXX, XXXX, Et Al vs. XXXX XXXX ; Case # XXXX. My house at XXXX XXXX XXXX, XXXX, MD.was sold at at auction on XX/XX/XXXX. Listening to the law firm used XXXX XXXX XXXX, XXXX the advertisement was done before the order. I was told it was legal and other lawyers at Foreclosure hotline say that my house was illegally sold before proper advertising or my notification was done. The mortgage company was Shellpoint Mortgage Services. Also Shellpoint purchased my house at auction before the Order Authorizing Foreclosure sale was issued by the court.
I leased a vehicle in XXXX XXXX ( Hyundai Sonata ) and traded it in for a different brand car lease ( Mercedes Benz ) in XXXX XXXX. We received the payoff amount of XXXX XXXX and change, which new car dealer confirmed and paid it off. In XXXX XXXX I received a call from the new dealer that the Hyundai is asking for more money to release the title of the vehicle. I provided the new dealer with several monthly statements that I had stating XXXX balance. A few weeks after providing the new dealer with the statements, I received a default notice that asked me for the payment of XXXX XXXX and change. I have made several attempts to call Hyundai 's default department and no one seems to know what is going on until I spoke to someone high ranking on XXXX/XXXX/XXXX at XXXX hrs who made no sense and stated that payoff amount that we quote is not an actual payoff. 
I have never had such a bad experience with a car company before. " Payoff '' to laymen folks mean " payoff '' and I believe that these people are delaying the process just to send the file to collections. 
Dear Sir/Madam, I really need your help in resolving this matter and can not really afford to be ripped off as a consumer and a law abiding citizen. Please help me deal with this unfair and greedy corporation.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected ; I received no email, letter, or phone call and instead had to discover it via social media. 
On top of it all, they had n't used encryption for any information. Anyone who could get into their systems can view all of your personal information, rather than getting access to the data, but not being able to decrypt it.
When I first found out that XXXX XXXX was reporting on my credit file I sent them a request for validation per my rights under the FCRA on XX/XX/XXXX certified mail.The item was removed from my credit report when they failed to validate. 

However they re-inserted it back on my report after it was removed, which is a violation of the FCRA as they did not notify me of the reinsertion. I informed Experian that they were in violation due to the reinsertion. Experian was in receipt of my letter on XX/XX/XXXX via certified mail and once again the item was removed from my report. 

In XX/XX/XXXX of XXXX again this company has reinserted the item on my Experian report ; and once again after sending another request for validation they removed. 

To my surprise, XXXX XXXX has REINSERTED AGAIN for the 4th time. In addition my latest request for validation was returned as undeliverable on XX/XX/XXXX. The address they reported to the credit bureau is a bogus invalid address. 

I've gone in circles with this company. It should not be this difficult for a consumer to get a proper validation response from them as requested. I've been dealing with this since XXXX, that's 4 years of deletions followed by re-insertions! Experian is equally to blame for not following FCRA reinsertion notifications required by statute. This item has been reinserted and allowed to be done so 4 times now and not once have they sent the required written notification as required by law within 5 days. From my research on the web it appears that NONE of the bureaus send out these notifications by policy. I found the re-insertions only by looking at my credit report. I have no where else to go than to request support from the CFPB to resolve this issue. 

I've enclosed copies of my latest reports from XXXX and XX/XX/XXXX. Should it be necessary I can submit previous reports showing that XXXX XXXX was reporting and then deleted. I've listed the report numbers below along with a date of the item reporting and then not reporting.
XX/XX/XXXX I had called XXXX XXXX to attempt setting up my own account. I was asked for my social security number so they could do a credit check. I specifically asked if it was a hard inquiry or a soft inquiry to determine if it would affect my credit report. I was told by the customer service agent it would be a soft inquiry, so I proceeded through the process to establish an account. Officially XX/XX/XXXX I had established my account with XXXX. XX/XX/XXXX I visited XXXX XXXX and noticed I had a hard inquiry from XXXX on my Equifax credit report. I immediately called XXXX and reported this false information, and they told me that there was nothing that they could do that they apologized for having been given the incorrect information. I also later called Equifax and they told me there was nothing they could do to investigate or remove the inquiry. Bottom line, the correct course of action was taken, XXXX 's process is actually to pull a hard inquiry to the credit report to be able to have an account. But I was directly misinformed when trying to establish my account.
EQUIFAX XXXX, XXXX XXXX, XXXX XXXX.EQUFAX FORMER CONFIRMATION XXXX. IS INVALID XXXX REPORT # XXXX FORMER YOUR REFERENCE # XXXXXXXXALL XXXX HAVE XXXX NAME XXXX XXXX XXXX THEY NEED TO HAVE ALL REMOVED ESPECIALLY XXXX AND XXXX HAVE NOT REMOVED THE XXXX XXXX XXXX ACCOUNTS WERE CLOSED IN XXXX, VA, BY THE FTC.., AND I ALSO WANT ALL TREE TO LOCK BY CREDIT REPORTS TO BE BLOCKED. RESPECTFULLY. THANKS, XXXX XXXX XXXX
I paid ALL of the open collection accounts on ALL XXXX my credit reports during the summer of XXXX. In XX/XX/XXXX. I received notice that collection account from XX/XX/XXXX had been added back to my reports ( for a second time ). The collection account appeared on my report several years back, but due to issues with the original creditor changing management companies, my collection account was removed. It is my understanding that a collection agency can not " re-age debt ''. I called all XXXX agencies explaining that this was the second time that this account had disappeared and reappeared on my credit report. After rude conversation with multiple agents, I gave up. This past week the exact same thing happened. The collection account was removed and added back to my report due to a " glitch '' in their system. I was told that a glitch in the system was confirmed and that I needed to call back within a few days to discuss having the debt removed frm my report. I was also told they would not remove the debt until they figured out what caused the system to fail. I then spoke with someone else who would not confirm anything and was MORE than unwilling to assist me. Within days, this collection account and multiple inquires were removed and added back to my account. This has happened several times particularly with this one collection account.
My name is XXXX XXXX .I have a few items of personal information on my file that is inaccurate First I would like to request a opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX XXXX XXXX XXXX EXPERIAN inquires regarding all personal information. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I am a business owner my company is XXXX XXXX XXXX XXXX XXXX XXXX. I have had issues with addresses on my credit report that do no belong to me. The following addresses are not accurate please delete them : XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX
I filed for chap XXXX bankruptcy in XX/XX/2014 due to medical issues. At the time of filing the arrears on my property was {$9000.00}. The mortgage lender failed to file a claim with the court and consequently, the court was not able to make any payment to them ; although I made the payments to the court as required by the terms of my plan. The arrears on my property have now risen to more than {$25000.00} ( due to the lenders negligence ). Due to ongoing medical treatment, I have made several attempts to obtain a mortgage modification and am being told by the lender that " they are not able to offer any modification that will reduce my payment to an affordable level based on my verified income ''. My problem is ; were it not for the failure of Ocwen to file a claim with the court these arrears would not have reached this level. I can not imagine an acceptable reason that the lender could not get the claim filed with the court during the course of an entire year. If not for their error, they would have received payment. The money was on file with the court and was disbursed to another creditor because of their error. The lender is now holding me accountable for their negligence ; and I am being told that there are no options for me to work out a plan to keep my home.
I sent a certified letter to Equifax on XX/XX/XXXX and made a follow up call late XX/XX/XXXX and was told by representative the investigation would be complete by XX/XX/XXXX. I called in XX/XX/XXXXand another representative said it would be complete by the following week in XX/XX/XXXX. I pulled my credit the day the dispute was " suppose to be resolved by '' and the dispute for the account named " XXXX XXXX '' was still in dispute. I received no updated correspondance and after calling the representative had to manually remove the dispute because it was past 30 days. By law this account is to be removed immediately. IN addition to this I have sent multiple letters to have this account verified. I have no such account for said amount and there has been no paperwork sent to me for the said account verifying accuracy of details or amount. I am simply asking for this account to be deleted permanently due to the dispute being over 30 days and unverified data after multiple letters asking to remit said detailed account.
I received a letter stating that i owe an amount and it is not accurate. I have sent out several letters and the credit bureau has not provided me with any proof about the debt.They did not respond at all to verification request sent to them
Chase bank charged an unauthorized {$70.00} against my bank checking account number XXXX. I dispute this charge made XX/XX/XXXX PST against my checking account.
I am charged monthly on my XXXX XXXX XXXX for my XXXX XXXX Membership. The change is set to be on the XXXX of each month for {$10.00}. Well I have been getting charged twice a month - once on the XXXX and then again on the XXXX for my XXXX XXXX Membership. I contacted XXXX and never got a response - so I went to Macy 's who has my XXXX account and filed an online complaint. I just received in the mail yesterday that they are unable to help me and to go back to XXXX. This has been going on I think since XXXX. I would have to go back and check my statements to find out for sure. I go back into the XXXX website and there are no phone numbers that I could find - same as my original complaint to them I had to email. Now I ca n't even find an email that I can contact XXXX - so I will have to go into my email account and find the original one I sent to them and re-sent. Hoping you can help.
I was a victim of ID theft and XXXX  blocked the fraudulent trade lines as required, BUT two of the items are now being reported under a different name. someone opened a XXXX   account and also tried to rent an apartment under my name. if u noticed my previous complaint you will see the blocked company " XXXX XXXX '' tried to collect for XXXX   and now " performance management '' is trying to collect for the same blocked account.
Hello, My name is XXXX XXXX and my identity was stolen in XX/XX/XXXX.  There have been numerous credit card applications and numerous credit cards received in my name and all of them were maxed out and all of them were opened fraudulently. I do not know who or how they obtained all of this information, but it is fraudulent. These accounts include a XXXX  card for {$300.00}, XXXX XXXX card for {$300.00}, and a XXXX Credit card for {$3000.00}. Each account was opened and maxed out on XX/XX/. I called each of these companies to report the accounts as fraud, filed a police report, filed an FTC report, and put fraud alerts with each credit bureau. All of this was completed within 2 days of discovering the fraud in XX/XX/XXXX. Since the reports were filed, both XXXX  and XXXX XXXX have removed the inquiries and credit off of my report, but XXXX has yet to remove the inquiry and report from my credit report. It's now been over 3 months since I have reported everything and yet the fraud account is still on my credit report.
I moved from XXXX to XXXX last year, and put my house for rental. This year, I receive a forwarded letter in XXXX, from XXXX XXXX XXXX, indicating the lack payment of the HOA fee. I called them immediately on XX/XX/XXXX to follow up with the case, and sent the check out after the call, for the 1st quarter and 2nd quarter. However, the check I sent to the company was not deposited and the company never gave any follow up. Instead, in this XXXX, they sent a demanding letter, and asked me to pay for HOA fee, late fee, and attorney demanding letter fee. 

Although on the call of XX/XX/XXXX, the agent from XXXX XXXX XXXX agreed to waive the late fee for the 1st quarter, I still sent the full payment for my 1st and 2nd quarter HOA fee with all the late fee they charged on my account. But they still asked me for the attorney fee. 

I do not think I should pay for the attorney fee, the demanding letter, because : XXXX XXXX XXXX is new for the community this year. This company did not inform me for the current rate and bill on time. From the beginning of the year to the time of the demanding letter, I only received 1 letter from them, and I also replied to them immediately by phone. For any issue, either potential non received payment or incorrect check amount, this company should contact me by different ways before sending me the demanding letter. Unfortunately, they did not. 

I did not hide in this entire process. Before their notification at the end of XXXX, I have already contacted the old management office to pay off my HOA fee but I got email from the old office, indicating they were not for the management of my property any more this year. On XX/XX/XXXX after receiving the notification from XXXX XXXX XXXX, I called the company. During the call, I got the account set up, and from that time on, they have my email address, correct living address, and phone number. Thus, they are supposed to send me email, letter or call to inform me for any issue, before using the demanding letter. 

In the conversation to the attorney regarding this case, they just said, I had to pay for the letter fee because I did not reply to them. They ignored the fact that I called them on XX/XX/XXXX. They ignored the fact, they did not send me bill on time. They also said, they tried to contact me before sending me the demanding letter. However, when I asked them for details, such as time, date, for some phone call history record, they could not provide any. 

My Case : XXXX My Account Number : XXXX
Never received a letter or called from this collection company. this collection company is breaking federal trade and fair credit reporting.I asked for consumer protection agency to look into this company practices with reporting accounts on credit reports without proof. this is a fraudulent account place on my credit report causing sever damage to my credit ration causing a decrease in my credit card from XXXX XXXX. I was called and notify that a collections was on my credit report and we have lower your credit balance from XXXX to XXXX dollars. Know collection company should be able to just add a debt on anyone credit report when its fraudulent account
I Have Sent Dispute Letters To This Company That There 's Noting Stating That I Signed Saying Anything Will Be Sent To A Collection Agency. I Signed A Release To Have Medical Treatment and The Release Of Medical Information That 's It Nothing Else And I Want This Off My Credit Further More Its a Hippa Violation!!!!     {$55.00}  XXXX / XXXX / XXXX  {$72.00}  XXXX / XXXX / XXXX  {$110.00}  XXXX / XXXX / XXXX  {$170.00}  XXXX / XXXX / XXXX  {$150.00}  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX
XXXX : WHY BANKS SHOULD NOT OWN BROKERAGE SERVICES OR RECOMMEND ANY STOCK / BANK STOCK / WRITTEN DISCLOSURES REQUIREDDear XXXX XXXX XXXX, At the start of the XX/XX/2008 financial crises I was recommended to a Financial Adviser at BB & T, XXXX XXXX. He built trust over a period of years and became a friend, I thought. We had numerous conversations about " Capital Preservation '' and my numerous request not to be on BB & T 's solicitations financial services products and numerous conversations that my cell phone number not to utilized by BB & T 's solicitations for financial services. When BB & T offered an 8 % preferred stock offering, XXXX XXXX called and set up an IRA securities account for me. A couple of years later to conform to Dodd-Frank rules, I learned years later, I received a unsolicited call from XXXX XXXX stock associate, XXXX XXXX, XXXX strongly selling BB & T " replacement '' preferred stock a new preferred with no disclosures regarding the risk of loss, no disclosure statements, promoting his CFP ( Certified Financial Professional ) ethics, my best alternative, etc. Substantial losses occurred as BB & T customers looked for the safety of FDIC deposits only to be moved over to unscrupulous BB & T products and employees for the benefit of BB & T Dodd Frank requirements. Later other BB & T employees stated " they would not have touched selling the BBT preferred, especially after not being able to recommend the BBT common stock. '' I think XXXX XXXX, XXXX should had disclosed he was not acting in my best interest ( as required by the CFP ethics ) and even though XXXX XXXX was 100 % of the time utilizing the trusting XXXX logo, he chooses when he is utilizing the XXXX ethics. Financial brokers should be required to provide disclosure material by email or other written form, make there financial recommendations and disclosures in writing, and have executed forms of disclosure. A " Know Before You Purchase My Stock / Financial Instruments Recommendations ''. 
Further more, I understand, that XXXX XXXX on numerous occasions, circumvented my attempts to " move away '' from his services and stay within BBT. I attempted on numerous occasions to deal strictly with another broker that I had know from XXXX and XXXX XXXX and his manager, XXXX XXXX prevented my request, another CFP violation. 

Bottom Line : It appears that the banks draw in deposits with FDIC assurance and build trust with a financial adviser ; at the same time strongly push and make financial incentives for the financial adviser to transfer deposits over to the brokerage side of the bank while building trust with logos like XXXX and later claim the XXXX trust and ethics are applicable. 
Request that the CFPB make rules to stop predatory stock sales, require written disclosure and upfront cost disclosure and risk, be fair and transparent, hold the financial institution responsible for the employees services and / or dishonesty.
I live paycheck to paycheck. I check my bank account balance daily if not XXXX a day. The bank I use, Wells Fargo offers online and text banking so it makes it very convenient. The problem is they do not match up. Some of the dates that transaction posts change. For example on XXXX night, the XXXX, I checked my balance through text banking. I had {$380.00} in my account. The next morning, XXXX the XXXX, when I got to work at XXXX I went online and checked my balance and transactions. It still said I had a balance of {$380.00}. At this point I realized I still had XXXX checks outstanding and I needed to transfer money from my savings. I transferred {$1200.00}. That would cover the {$1500.00} in outstanding checks. XXXX hours later I received and email saying my account was over withdrawn. Again, I went online and I see that both those absent checks had cleared but XXXX of those had a date of XXXX the XXXX. That transaction was not on my statement in the morning. They hit me with XXXX overdraft fees. They did it after I transferred the {$1200.00}. I 've noticed some variances in my account before. I noticed that checks and withdrawals move around on the statement. For example, I wrote XXXX checks, XXXX for {$100.00} and XXXX for {$160.00}. According to my text banking the {$100.00} check was posted on the XXXX. But according to my online banking that check was cashed on the XXXX and the check for {$160.00} was cashed on the XXXX. Not to mention that I can not verify what the balance of my account was after each transaction because their online banking is formatted in such a way that it wont allow. It is simply a list of debits and credits and a total at the top. I really feel that Wells Fargo is choosing what dates they want things to post to get more money in fees. I went to the manager and he was unwilling to do anything to help me. I would really appreciate it if someone would look into this. This is predatory, greedy behavior. I should not have lost {$70.00}. I only bring home {$XXXX} a week and I 'm a single parent of XXXX. Thank you.
On the XXXX of XXXX Bank of America closed my account in error. I immediately called abd spoke to XXXX who was working in BoA compliance and was assured this was a bank error and would be fixed within 24 hours. The account opened again and then 12 hours later closed again. 

I rang again and talked to XXXX in BoA compliance ( XXXX ) who said that she would sort everything out as this was a bank error, and that no check had been issued on the closed account. She assured me that it would all be cleared ad back to normal by the XXXX of XXXX and to please wait until then. 

I did this. On the XXXX of XXXX I rang again and BoA told me that a check had been sent on the XXXX - to which I replied that I had been assured this would not happen nor would it be sent. The customer service representative said all she could do was put a stop on the check and to please wait for 7 days for it to clear. In the meantime I traveled to the US only to find that my funds were still not cleared. I went into a Bank of America branch in XXXX and they said there was n't anything they could do and I should call BoA again. 

Today now the XXXX of XXXX after spending 1 hour and 20 mins on the phone all the representatiives have told me that there is nothing that they can do as it was a cashiers check which has been sent to my XXXX address and that I either have to wait 90 days before they will credit me my money or post the check back to them which means I have to wait for another 3 weeks until I go back. 

So for the past 21 days I have not been able to access my own money of {$6700.00} and they have told me that I will not be able to access XXXX until I either send the check that they shouldnt have sent or another 90 days. 

As far as I am concerned this is completely unacceptable behavior for a bank when they made the error and should have immediately credited my funds back. So here I am visiting the US without access to any of my funds.