WillisBack/dataset-financial-user-claim huggingface dataset:
This is the XXXX complaint that i have put on experian in reference to XXXX XXXX XXXX record that is on my file. I have sent several documents in and explained my situation to them on several occasions and they continue to deny the removal of the judgement. I put a CFPB complaint on them and they responded that they were not able to block the judgement based on my police report. Note that this is the same response that they gave me in XXXX of this year and they requested documents to back up my claim which I did and they refused to remove the judgement. This judgment was removed from their vendor XXXX XXXX XXXX solutions on XXXX XXXX of this year and I am attaching the letter from the vendor stating that based on my dispute they have removed all judgements and liens. Experian has not tried to contact XXXX XXXX XXXX solutions to get an updated report they continue to use the original report they pulled from when this matter started. I have come to the point where I am going to be left no choice but to hire an attorney to put a civil suit on experian because i have provided a substantial amount of paper work to them and they still refuse to comply.
My XXXX XXXX . auto claims report erroneously lists me as the vehicle operator for an accident that occurred on XX/XX/XXXX. I am in receipt of a letter from XXXX XXXX showing that this erroneous information was considered when calculating my insurance premiums. 

I called XXXX on XX/XX/XXXX and was advised that my dispute would be investigated. As of this afternoon, the error remains on my report. 

I called XXXX this afternoon, XX/XX/XXXX. I was told that XXXX XXXX has confirmed that the information I disputed was incorrect. The agent was unclear why this information remains on my report, but promised to have his company 's investigators review the file. 

I would like this error corrected and new copies of my XXXX XXXX report sent to me and to my insurance company.
I had an ingrown toe nail removed and was under the impression I could pay {$50.00} on XX/XX/2015. I was told to pay with check they did not take debit card. I received a receipt for the balanced paid from 3 years ago. Now it is reflecting with XXXXXXXX XXXX XXXX   for {$260.00} when I did pay the balance. I just want this resolved.
Hello : I purchased an iPad on my credit card from XXXX. The credit card company advertises card benefit services and purchase protection for 90 days. We no longer wanted the item after 15 days, and contacted the credit card company. After mailing the company back our item, they are requesting information which is on the product ( which they have in their possession ). They said they are unable to give us the information ( even though the item is in their possession ).
In XX/XX/XXXX, I was notified that a collection account under the name of Diversified Consultants was placed on my credit report. I contacted the company and confirmed that the collection was for a XXXX account opened under my SSN in XXXX that went delinquent in XXXX. My biological father has, in the past, used my SSN to open fraudulent accounts and was XXXX  by the state of NC a few years ago, XXXX XXXX XXXX  XXXX  for his crimes. I was advised by my credit monitoring agency to dispute the claim with both XXXX - the CRA that the collection appeared on - and with XXXX directly. TransUnion concluded their investigation and removed the account from my report. I was further advised to file a police report and an Identity Theft Report with the FTC, which I did. Unfortunately, XXXX refused to do so stating that my fraud claim was denied due to - " Information on the account ties to a relative in a public records search or the documents you provided. '' This seems unacceptable that I would be denied a fraud claim simply because the individual who committed the fraud is a relative of mine, with whom I have had no relationship with in well over two decades.
On recently changing my auto insurance policy from XXXX to XXXX, I was advised by my insurance company ( XXXX ) of an adverse affect on my premium from my credit report provided to them by Experian. Because of the adverse effect, I was entitled to a free copy of my report from Experian. I first tried to obtain this report through Experian 's Website. I was told that it could not be processed at that time and that I should try again later. I tried later and received a message that it could not be processed and that I should call their telephone number. I called their telephone number and received a series of prompts, none of which covered my problem or allowed me to speak to a person. The only prompt, close to my problem, was to purchase a copy of the report. Without a copy of the credit report, I can not contest whatever caused this adverse report. I feel Experian 's telephone center has been set up to exclude people from talking directly to an Experian representative.
In XXXX of XXXX I was approved to partake in a loan modification trial period through Ocwen due to financial hardship. I needed to complete 3 monthly payments of {$1000.00} which included XXXX, XXXX and XXXX of XXXX, which were my original payments. It seemed strange to have the same payments in a trial period but I did so anyway. I completed the payments and the only thing left to do was sign the promissory note and have it notarized. I submitted the notarized documents by the required XXXX XXXX XXXX deadline and it was returned as denied due to lack of completion. I called Ocwen to find out what the incomplete portion was and their verbal description was that my spouse also needed to sign it. In their words, " Due to the Colorado homestead act, my spouse must sign the promissory note for them to accept the modification ''. My spouse was never approved or obligated to be responsible for the original loan. I have spoken with an attorney, title company and other financial institution. that stated Colorado does not participate in the " Homestead act ''. They also advised my wife not to sign the documents because it appeared that Ocwen was not being ethical by stating her signature was required for the purpose of the " Homestead act ''. I called Ocwen again for clarification and my assigned account manager and his supervisor would not give additional information on the recorded line.
A lengthy detailed explanation has been written and is Exhibit 21. Please read this first. It will provide details and reference the other 20 Exhibits that will be attached providing I can attach all of them. Just so you know I have contacted Security National Mortgage Company ( SNMC ) and have gotten no response at all from them.
I have a refund that is due to me, I had an escrow analysis done on my account on XX/XX/XXXX and since that analysis I am due a refund of 2100.00. I switch jobs in XXXX and had issues with my payroll so that cause me to lack on payment. I was told if I made a payment by the 15th they could cut me my refund check. Well time passed on and never received my check. Called in XXXX and spoke with a very rude customer service rep and I paid a payment onXX/XX/XXXX thinking my refund would be rushed and I would have it in 14 days. Well come 14 days which was afterXX/XX/XXXX I was told the check was n't cut because now it was afterXX/XX/XXXX. I explain to the young lady that I was told the check was already cut. She explain to me that she does n't know why I have n't received it but she would put in another request. On last week I called to follow up on my check and the rep told me that they did n't process the refund bc I was now due for XXXX but what she could do is take my payment for XXXX and XXXX out of my escrow refund and cut me a check of the difference. I explain to the young lady that XXXX payment will be paid, they would only need to take XXXX 's payment out of the refund and cut me a check for the difference. The customer service rep then called me back from loan care headquarters and told me she spoke with a manager and she would need me to send a request to the customer service email in order for her to take XXXXXXXX XXXX payment out of the escrow refund and she will cut me a difference in a check. Well I sent an email to customer service giving them permission to take XXXXXXXX XXXX payment out of my escrow refund and I also received a confirmation number from the email. Well I called todayXX/XX/XXXX to do a follow up and another customer service rep explain to me that I was misled and was given the wrong information. He said they would n't be able to take XXXXXXXX XXXX payment out of my escrow refund. He apologize and ask about the XXXX payment, well I told him I do n't have XXXXXXXX XXXX payment bc I was advised on last week that XXXX payment would be take from my refund and a check would be cut to me in 14 days ... .well I was lied to again! I spoke with a supervisor on today and she apologized and place me on hold to see what she could do to make it right. Well she could n't do anything either but tell me sorry and that she would listen to the call and find out who gave me false information. I am so upset because I have a refund that 's do to me sitting there and now I will be a month behind in my mortgage because I spent XXXX XXXX payments towards another bill because I was given false information. I have been given the run around on this account since XXXX, I 'm so tired of fighting this battle with Loan care.
I was under the impression that I was consolidating my loan and going into an income based program. The company XXXX XXXX XXXX claimed they were a government agency and apparently used equitable acceptance to finance my loan for a fee. I had no idea I was being charged a service fee to consolidate my loan. They charged {$2000.00} for the service fee. They are drafting my checking account for {$42.00} a month. I tried to cancel because there is no fee to consonlidate your student loans. I can do it myself. I thought the {$42.00} was going towards my student loan balance. However, they said I am stuck with the debt and owe them or they will report it to the credit bureaus. This is fraudulent business practice. By both XXXX XXXX XXXX and XXXX XXXX. My servicing company is XXXX and I believe they are fraudulent as well. They put me in forbearance when I thought I was going into an income based program. Now Ive accrued a ton of interest. These companies are fraudulent businesses. I also have reason to believe they logged into my fafsa account and changed things around which is illegal. They also told me my loan would be forgiven after 10 years which is a lie.
I purchased Bitcoin through Coinbase almost 5 years ago. When I log on to my same Coinbase account during the past two weeks, I am not permitted to sell ANY portion of the amount shown, an amount I have held since that original purchase! 

So far, the only thing Coinbase has done, a week ago, is suggest I clear Browser History which I did while on the phone with Coinbase. I have a XXXX XXXX XXXX in programming and am familiar debugging computer code. On my own during this time I tried disabling virus protection, using othe PC browers and XXXX, and made other attempts. After over a week of both emails and phone calls to Coinbase ( XXXX ), the latest with a programming supervisor named XXXX, they have not been able to resolve this so called 'TECHNICAL ISSUE '. 

Coinbase 's ACTIONS has now caused a monetary loss and I intend to retain legal action while diligently publicizing the case.
I had made a purchase and signed up for a store credit card at XXXX XXXX XXXX onXX/XX/XXXX when I was travelling to XXXX XXXX, NV ; however, I never received the credit card and statement after that. Few months later, I got a call on my cell phone from XXXX XXXX, saying that I had a past due. I told the lady that I never received neither the credit card nor the statement. She told me that I need to wait for the next credit card statement and she could not email me the statement. On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX Store and paid cash for the transaction. By the time I received the credit card statement, I had three months ' late fee accumulated. 
I have the feeling that XXXX XXXX is proposely not sending the first statement to initiate the late fee from the credit card holder. When the time I found out I had a past due, I told them to email me the credit card statement, so I can make the online payment ; they said they did not email out credit card statement. I told them I got it all the time from other banks. I have called the bank this morning ( XX/XX/XXXX ), they said they had record of sending out monthly statement with postal office proof, so they ca n't waive any later fee.
XXXX XXXX and I have a loan through the company. At the time XXXX did not read the fine print and did not realize the loan would have 766 percent interest. The loan has been paid and including extra totaling XXXX dollars. The company claims that due to the 120 installments that started in XX/XX/XXXXand including a payment that was made on XX/XX/XXXXthe loan is only XXXX cents paid. That means that I would have to pay XXXX plus the " Finance charges '' to finish the loan. We live in the state of NC where interest can not be more then a certain rate. They claim to be part of a XXXX XXXX and that since we agreed to the terms of the loan we waive the right of a jury trial and also any judgment against them and they have sovrine law. This is because they are a XXXX XXXX. When I called to speak with them, their call center said I would have to pay or collections would happen and I would owe them over 3000 dollars. I need to know what options I have. They have over 500 dollars from us. We have bank statements to show this.
I am a victim of identity theft. The information listed XXXX XXXX XXXX, DEPT OF ED/XXXX   which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
I received a call on my cell phone by a person who identified herself as XXXX XXXX. XXXX XXXX then read my date of birth and last XXXX of my social security number to me. She did not ask me to verify it. I asked to speak to a supervisor. The supervisor name that I spoke to was XXXX XXXX. The supervisor went on to do the same thing. She provided me with the last XXXX of my social security number and date of birth. I explained to her that this was a violation of my personal rights. She could have provided my information to anyone. Now anyone that answered the phone could be applying for credit under my name. I explained to her repeatedly that to apply for a credit card many companies only ask for your date of birth and the last XXXX of your social security number. The supervisor states that what she had done was completely legal. Giving my information out over the phone is completely ok.
Regarding the handling of homeowners insurance related to a mortgage loan held by now Nationstar Mortgage that was transferred from XXXX Mortgage in XXXX 2015. 
Previously we have n't been escrowing for homeowners insurance and then independently Nationstar did not update the mortgagee clause nor set this up as non escrowed account then tried to first force place insurance and then not post a payment due to the escrow shortage. Even with showing proof of insurance they are now trying to force me to escrow even though i have this set up to pay with our insurance company causing me to stay on hold for over an hour to correct their errors. Still not convinced they are going to handle this correctly.
My complaint is with Direct Express, the card used by the government to issue Social Security XXXX benefits. On XX/XX/2017, a deposit of {$910.00} was placed on the card. Around XXXX, I checked my balance, only to see {$17.00} available on the card. I made several attempts to call Direct Express. After about 3 hours and multiple attempts ( the call " dropped '' several times while I was holding ), the phone was answered by a customer service rep who informed me that there were several ATM transactions made in XXXX, totaling {$900.00}. There was also a {$2.00} transaction in which the 'card ' was swiped ( also made in XXXX ). 
I live in Mississippi. I have never been to Florida. I 'm currently in XXXX visiting relatives. 

I informed them that I did not complete or authorize these transactions and that I was a victim of identity theft. Direct Express canceled my card and will be sending a new card. I asked what I needed to do to get my funds added back to my account. I was told that I would have to wait 3-5 business days to receive the fraud forms in the mail. Once the forms are completed filled out and returned to them, an investigation would be started. In the meantime, I do not have money to pay my bills ( mortgage, water, electric ) or get back home. This is my first time in Maryland and I do not want to ask my relatives for money since I do n't know when/if I will be able to pay them back. 

This XXXX check is my only source of income.
As of XX/XX/XXXX Experian has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS 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 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 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 PUBLIC FILINGS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX INQUIRIES XXXX/XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX
To whom it may concern, XXXX XXXX XXXX, my mother, who was the original borrower on the loan, was diagnosed with XXXX that 's considerably worse. As a result, XXXX XXXX, my father, was placed as borrower on the loan. While my mother 's XXXX worsened, my father unexpectedly passed away. I, XXXX XXXX, have legal sole guardianship of XXXX and moved in XXXX for her XXXX. XXXX XXXX, my fianc ' lives with us and provides our financial support. I am asking for consideration of a repayment plan to keep my mother in the only place she has called home for the past 30 years. 
Thank you for your understanding and consideration. 
XXXX XXXX
This company has been incorectly reporting my payment history, I have never been late to this company by any means. This company is not metro 2 compliant which is causing me serious stress in my life. I would like for this company to bring my account to current status for each month they have reported me late.
On XX/XX/2016 my husband 's car was stolen out of our driveway, my car was broken into and my Chase Bank debit card was stolen from my car. That same night, someone used my debit card to buy {$1200.00} worth of items from the XXXX XXXX # XXXX in XXXX, Florida. There were XXXX other attempted charges on my debit card that night, all of which were rejected and which I told the bank were fraudulent. Chase says they investigated the {$1200.00} transaction and determined it to not be fraudulent. They refuse to refund my money, which was debited out of my account. I have opened a police report with the XXXX. pertaining to the stolen vehicle and the stolen debit card. The original report is attached. ( The debit card transactions are not on the original report, as we did not know the debit card was missing until the following day. The debit card transactions have been added to the police report file ). Corporal XXXX has visited the XXXX where the fraud took place and watched the store security video from the time my debit card was used. The person using my debit card on the video was a XXXX male. I am a white female. XXXX has not released the video yet, but XXXX is willing to testify as to what he saw on the video. I have notified Chase about this twice over the phone but they still refuse to refund my money.
I recently applied for and was approved for a Citi card after being bombarded with numerous mailings offering 0 % on purchases and balance transfers. I decided to transfer {$9000.00} from another card to take advantage of the 0 % interest rate. Well I just looked at my statement and see that Citi is charging me {$270.00} as a transfer fee. This is completely misleading and I feel as if I 've been misled. {$270.00} is alot of money for someone that is trying to reduce debt and paying for school. On my XXXX credit report I see that Citi has XXXX HARD inquires. They are on XX/XX/2016 and XX/XX/2016. I only applied for XXXX credit card so I fail to see why I have XXXX HARD inquires.
I settle my bill with XXXX back in XX/XX/XXXX Later I was hit with a collection bill from a company from XXXX XXXX with a Final -bill for {$790.00} I called XXXX to compliant of this bill and was transferred several times to different department with everyone cluesless. I final call the number for XXXX listed on the Final letter XXXX & the number was a non working number. So I disputed with XXXX   and XXXX and they removed the discrepancy. If you call that number for XXXX XXXX XXXX is now says XXXX. I check my credit report a few months later XX/XX/XXXX and found out that XXXX had another collection agency Name now XXXX XXXX and this time they put the collection amount for {$1600.00} I have always paid my bill from XXXX and that is very disloyal of them to keep make up this statement after the fact with 2 different collection agency and 2 collection amounts XXXX   removed the AFNI From my XXXX   on XX/XX/XXXX and the rep told me they ask AFNI To remove from AFNI/XXXX -AFNI/XXXX Just place back on XXXX as of XX/XX/XXXX Please help me with this company! Attached is supporting documents Thanks XXXX XXXX
OCWEN LOAN SERVICING LLC has stolen and used my identity to purchase insurance and pay property Taxes using my Name, Identity and property without my Consent or Authorization. 
They Claim that a Foreclosure happened XX/XX/XXXX by XXXX. so why is their an account # XXXX XX/XX/XXXX with my name, social security number and Private information being used to pay Property taxes and Property Insurance?