WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX issued a gap insurance refund to Santander Bank in XX/XX/XXXX fro an auto loan. Santander was to re-issue the refund to me. I called on XX/XX/2016 to inquire since it had been 3 months and was told the check was mailed. I called on XX/XX/XXXX to inquire because I still have not received the refund. Santander now says XXXX was to issue the refund ( XXXX ). I called XXXX on XX/XX/XXXX but they have no record of a refund. I called Santander back, as directed by XXXX, to inform them of this and was told there is no record of a refund in the amount of {$520.00}, but on XX/XX/2016 there was and I have a photocopy of the check XXXX sent.
I paid {$75.00} for annual fee on my checking account with Suntrust. This fee was paid for account benefits that include XXXX XXXX XXXX reward for each {$1.00} spent. However, they changed rules in XXXX 2015 and now XXXX XXXX XXXX reward will be rewarded for each {$2.00} spent and they also limited the maximum award to XXXX miles per month which makes this checking account absolutely useless for me. I paid {$75.00} for the full year of advertised benefit and I am not getting it anymore so I believe that bank must refund me my annual fee for this year.
1 ) The Account Opening Date is referenced, but not specified, in the account documents for all my HSBC USA bank accounts. I need to know the opening dates of my accounts in order to correctly interpret my rights and obligations under the account documents, yet the bank refuses to tell me the opening dates. They claim it would be a security risk to disclose the opening dates over the phone, even after I have correctly identified myself through my voice print and personal data. They refer me to the account statements and other communications, yet these documents do not specify the opening dates. They refer me to my nearest HSBC branch, which is 25 miles from my home.

2 ) I still have not been given a specific reason why my access to my accounts was blocked, without notice or explanation, from XX/XX/2018, through XX/XX/2018.
On XX/XX/2016 I received resolution from CFPB against JC Penney regarding my statements not arriving at my home address. However on XX/XX/2016, when I received the documents from JC Penney - XXXX, Sr. Specialist Corporate Consumer Relations office I received old statements. On XX/XX/2016 I phoned XXXX and left her a message confirming my mailing address yet again, having done this already numerous times, and requesting that my statement be sent from then on to the address provided, of which she mailed the documents to as well, now I was charged a late fee for not receiving the statement again last month and now this month again still no statement received. I am sure that I have been charged yet another late fee since I did not receive a statement. I do n't feel I have to continue to request my statement be sent to me for payment. I have faithfully paid my account until this issue. I want my statements and I do n't feel it 's fair if I am charged any late fees, since JC Penney continues to refuse to send my statements despite my repeated requests to receive it and confirming mailing address. On XX/XX/2016 I left XXXX yet another message advising her that I have not received my statement yet and would like to have it mailed to me, I was a bit upset and with reason. It is ridiculous that I have to request my statement repeatedly. Its so disturbing to have to remember to look for my statement when it should arrive monthly.
I had deposited a {$10000.00} check into the account. So I had money in my account, the Bank of America put a hold on it. I had out that money in the account for bills that were coming out in the next few days. Those bills hit like normal and it put my account in overdraft because their hold on MY money. I deposited the money days before the bills were withdrawn. They charged me for two overdraft charges of {$35.00} each. If I have money in my account that would easily cover the amount of the bills, they should not charge me overdraft fees when it is their fault they were holding MY money. Im looking for a return of my {$70.00}.
This collection company is calling my work to try and collect a debt. This is not acceptable as this is a business and not a private number.
On XX/XX/XXXX, I attempted to access my Experian credit report at experian.com, as I was denied credit due to a false negative item on my credit report. After entering my personal information to access my credit report, I received the error message " We are unable to honor your request. If you entered your credit card information, we did not charge you ''. I had also received the same message several times in the previous year. 
On XX/XX/XXXX, I was able to speak with a representative after several failed attempts to do so. The representative did not have a solution the error problem, but signed me up for an Experian membership which would allow me to access my credit report. Unfortunately, it did not allow me to have full access to my credit report, so I had the representative send a copy to me via US Mail. 
The credit report was delivered today, XX/XX/XXXX. I found the incorrect negative information on the credit report and went back to experian.com to file a dispute. I entered all of my information into the online dispute form, including the Experian issued report number the instructions said were needed to file a dispute.I clicked the submit button only to get a response of the same error I have gotten for the last year : " We are unable to honor your request. If you entered your credit card information, we did not charge you ''. 
It is extremely unfair that Experian has control of individual 's credit histories when their systems are not allowing access to a person 's own credit records, or access to a customer service representative, either online or by telephone without excessive difficulty. My good credit history is being damaged due to incorrect credit information held by Experian, which I am unable to access or correct due to their failures and I need assistance resolving the issue.
Prosper account on my Equifax still shows a balance of {$5000.00}. This prosper account has been paid in full and should show a balance of {$0.00}. Please correct this issue immediately.
Per review of XXXX credit report from XX/XX/2018 I discovered a payday loan account that I had no knowledge of and a validation letter was sent out requesting more information. On XX/XX/2018 I reviewed my credit report again and noticed that the account was updated to reflect as disputed however requested validation information had never been received and a 2nd validation letter was sent out. On XX/XX/2018 credit report was reviewed once more and the account remains on my credit report, affects me negatively and I still have not received any validation.
There was a charge on my bank card and I reported that the charge did not belong to me. It was removed for investigation purposes and I did n't receive any other notification since. Now years later it shows up on my credit report.
I received a call at XXXX on XXXX/XXXX/16 from Sunrise Credit Services XXXX The woman stated that she was calling to collect a debt and when I proceeded to ask questions about where the debt was coming from. She asked if I filed for bankruptcy and if my co-signer had filed which was odd because I have not filed and my mom had filed in the pass which has nothing to do with my current situation. I asked again what company was this from. She said XXXX which is the originator but it actually is from XXXX XXXX Loans. She told me that she wanted to get this resolved or else wages will be garnished or they will have to sue. I was so upset because I have never heard this before and this was my first time communicating with anyone from Sunrise Credit Services. I told her that I will let my lawyer know and he will be in contact. She persisted to try and get my lawyers contact info and I repeatedly told her that I will let him know to contact them. She was n't satisfied with the answer but I finally was able to end the conversation.
A request has been made to a collection agency National Credit Systems to validate a item listed on my personal credit file. Nothing has been received to validate this. Request help from your agency
During XX/XX/XXXX, XXXX XXXX negotiated with XXXX - XXXX regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/XXXX without any interruptions. However, XXXX is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with XXXX that I hired XXXX XXXX XXXX to help. To this date, XXXX XXXX XXXX have not been successful either. Please resolve.
I have recently become aware that I am a victim of identity theft. XX/XX/2015, approximately XXXX 2015, there were several ( XXXX ) credit cards opened under a different name while utilizing my social security, date of birth and a different address that are not mine nor ever have been mine. I have tried to communicate with this company and between either only being able to speak with someone that basically speaks very broken English, I have seemed to gain no traction. I have also contacted XXXX, XXXX and XXXX to dispute with them accordingly in hopes to help expedite the removal of this information from my credit files.
I was attending a XXXX school in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX which I had to take out a XXXX XXXX loan. The school closed and I continued to make payments and here it is, 16 years later, the loans are still outstanding. My loan needs to be removed or reviewed. I believe I 'm subject to an expensive subprime loan which prevents me to pay down my loans. Please look into my loan.
HSBC MORTAGAG  XXXX  : is my lein holder or owner of my loan, I  XXXX   XXXX  have been dealing with serious medical conditions, which has cause loss of income, I had to file chapter  XXXX  in  XXXX   XXXX , did not reaffirm my home, I have been working with HSBC on a loan modification. Talk to them in  XXXX   XXXX  told them what was going on and why filed loss mitigation medical hardship, Have been going back and forth, and now there are offering a 24 month mod. with a {$200.00} saving on a {$1400.00} on  XXXX   XXXX  saving on the second {$540.00}. I have requested permanent modification, my medical condition will never get better only worse. Hoping to recover enough to get back to work, I am on short term  XXXX  getting {$320.00} a week since  XXXX / XXXX / XXXX . having  XXXX   XXXX  on the  XXXX  of  XXXX . I ask for the lowest payment. for if I had to go on total social security  XXXX . I could keep my family home. they are just being unforthcoming to help me in my situation.
We have several issues. According to Navient we took out several parent plus loans for our Daughter through XXXX. We signed only for XXXX in the first year, but according to Navient, there were more loans taken out, including when she was not attending XXXX. We asked for copies of the loan documents and all we received were one page docs, with my name typed in. Also the amount of the loans ( not counting interest ) far exceeded her tuition by two years. When we asked XXXX for copies, we were told they could not release them ( after they asked us if we were attorneys ). We were given a Navient Fraud Hotline which tells us that it is temporarily unavailable and to call later and then disconnects. Lastly, our daughter is and has been on XXXX and supposedly has had her loans forgiven, which makes the amount that I owe even crazier.
I have made several attempts via in writing and several calls to a firm regarding several accounts that were opened up in my name, which was fraudulently due to identity theft. I provided supporting documentation which included the following : 1. Affirm Identity Theft Victim 's Complain and Affidavit 2. Notary - Acknowledgment 3. Dispute Letter 4. Police Report
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Fl XXXX XXXX Account was paid in full and was deleted but was reinserted.
XXXX shows a false credit issue via XXXX in XXXX, MS . I will attach supporting documents for this claim, as it has been dragging on, intentionally by XXXX/National Credit Systems/XXXX/XXXX. I request they delete Acct # XXXX from my records immediately. The debt is incorrect! I gave a timely 30-day to notice to vacate ( and left the place SPOTLESS ), however, my records should not be tarnished due for their lack of sufficient Administrative help, since they did n't acknowledge receipt in a timely manner. I have been working on this for almost 6-months, providing as much documentation as I can to get this resolved. This has caused tremendous stress and I may now have to seek legal council ( which will cost more money ) for assistance, and if so, I will request reimbursement for legal costs incurred. This is a scam on the part of all parties involved and the XXXX of it all has caused me to miss work. This is a very important matter, that I do not owe and they had the audacity to send a " 50 % Debt Reduction Offer '', as a resolution. I DO NOT OWE THIS and this incorrect item has caused me to be denied residency. This is a false claim and very unprofessional of all parties to have allowed this incorrect issue to linger. Please correct ASAP.
( 1 ) Seller sold ( FHA Loan ) home without a C/0 Certificate of occupancy. It state in the contract that the home should have a C/O by the closing date. my lawyer stated that home had a c/o ( not true ). Is been 3 yrs since i bought the property located at XXXX XXXX XXXX XXXX NY XXXX. Purchased XXXX/XXXX/2012 by seller XXXX XXXX XXXX ( owner XXXX XXXX ) located XXXX ny XXXX phone XXXX Sellers Attorney : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Tel. : XXXX. The lawyer representing me was XXXX of XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Fax : XXXX. XXXX XXXX XXXX was suspended for fraud. This lawyer was working with the seller to commit fraud against me. 

From my understanding an FHA loan requires a home to have a C/o in order to approve the sale. 
This sale was fraudulent in every way. Many things were promised and presented that were not accurate or true. 

i was given a roof warrantee that was not honored. Home basement has a flooding problem. Hazardous
First : I opened a credit account in the XXXX ( XXXX XXXX ) in XXXX, XXXX. 
Second : My last payment on this credit account was on XXXX XXXX, XXXX in XXXX, XXXX. 
Third : After my last payment I cant pay any more, because on XXXX XXXX, XXXX I lost my job and I had several health problems up date. 
Fourth : On XXXX XXXX I enrolled in a program of the XXXX ( XXXX XXXX XXXX ) to pay my all credit account, including my debt with XXXX XXXX. 
Fifth : The XXXX ( XXXX XXXX XXXX ) tried to sign an settlement with the XXXX Bank, but this Bank refused the proposals without any justification. 
Sixth : On XXXX I moved to the XXXX XXXX, and I live at XXXX XXXX, XXXX. 
Seventh : On XXXX XXXX,, XXXX the Bureaus Investment Group XXXX XXXX LLC filed a civil lawsuit ( Case XXXX XXXX ) against me in XXXX XXXX Court XXXX XXXX XXXX XXXX XXXX, and this Company claimed the balance of this Account ( XXXX ), despite the XXXX of limitations has expired. 
Eight : In the XXXX XXXX the statue of limitations is 5 years after the last payment was made on the debt, and my last payment was made on XXXX XXXX, XXXX. ( State Law Title VII Chapter 95.11 ). And this  Company could claim this balance only before XXXX XXXX, XXXX. 
NIght : I never used this Credit Card in the XXXX  XXXX. 
Tenth ; Also, I received my Annual Credit Report of the XXXX, XXXX and XXXX under the Fair Credit Reporting Act, and in this report I cant find the debt complained for this lawsuit against me, because the time has expired for taking any legal action about this credit debt. 
Eleventh : For these state laws, the action of this Company is a fundamental illegality, because the Fair Debt Collection Practices prohibits collectors from taking an action ( Civil Lawsuit ) beyond the statute of limitations to collect a debt that they can not legally take.
This debt collection is related to a disputed water bill with the City of XXXX. The original dispute was filed in XXXX and has not been resolved. Timeline of the dispute is : Bill disputed was XXXX/XXXX/XXXX Original dispute was sent via e-mail and phone call XXXX/XXXX/XXXX Told to contact department via phone which I did. Was told to wait while the bill was disputed XXXX/XXXX/XXXX - Sent e-mail that the bill was being review by billing department Follow up sent on XXXX/XXXX/XXXX E-mail received from watershed management on XXXX/XXXX/XXXX informing that the " Your account has been expedited to a Customer Service Manager for further review. Once your account has been reviewed you will receive an e-mail with the results '' Another follow up sent on XXXX/XXXX/XXXX Left property on XXXX/XXXX/XXXX Collection filed by the City of XXXX on XXXX/XXXX/XXXX. Did not receive notice of collection.
My original mortgage was   XXXX   XXXX   sold to   XXXX   XXXX   XXXX   then Green tree and now  Ditech.    This issues has been going on since  XXXX . Were they constantly send me statements that I owe them payments and always different amount owed.     I have given them bank statements showing payments I have made payment, i have even sent them there online statements showing the payments cashed. They agree with me that payments have been made and leave me alone for  XXXX  months and start again.     Recen tly Ditech state s again I owe them now {$24000.00} for mortgage not paid I have not missed a payment I call them and they say they have record of me paying and see how its been applied wrong but nothing is done.     They continue to threaten me with foreclosure and send me modification loan that is for higher rate and more money.     For the month of  XXXX   XXXX  they sent my payment back refusing to take payment.
I traded in a truck, and the dealership delayed the payoff to Ally, therefore Ally, charged late fees and negatively reported to credit bureau.
I took out an auto loan from M & T Bank in XX/XX/XXXX. I have historically paid my payments at the local branch or online through their web portal. I have consistently paid my account and it was current as of XX/XX/XXXX. In XX/XX/XXXX my primary bank changed hands and the routing and tracking numbers and account numbers for accounts all changed. It has caused much confusion. Thus in late XX/XX/XXXX/XX/XX/XXXX when I learned that M & T had not received my payments placed through their online system I sought to rectify it and immediately made payments online, confirming the new tracking and account numbers. Then I heard nothing. In late XX/XX/XXXX into XX/XX/XXXX I attempted to go online several times to make regular payments and when I attempted to log into my account a message appeared that the M & T website was down. I even called to get further information when I was simply told, " Many customers have been having problems, try again later. '' The problem continued. In early XX/XX/XXXX I was finally contacted by an M & T representative by phone. When I was told that there continued to be issues with submitting payments online I offered to bring a payment to the bank to satisfy all payments that were not received and get the loan back on track. At that time I was told by the M & T Representative that was no longer an option, I needed to pay the loan off in full immediately or my car was to be repossessed! The representative acknowledged that they could see that I was trying to make payments and that each payment submitted receieved a message stating " Success! Your payment has been made! '' However he was completely unwilling to assist me in getting this loan back on track. He stated that even though he could see the banking errors involved, that he would not reinstate the loan upon restitution. I then tried speaking to his supervisor without any support, he simply stood behind the decision to use the nuclear option with me even though they could see I had been online trying to make payments. I then took my issue to the PA Department of Banking and Securities. I just wanted to make the situation right. The PA Banking Department went back and forth with representatives for several weeks, being told, " I 'll get back to you tomorrow ... .I 'll look into things and see what we can do ... I will have an answer back to you by XX/XX/XXXX ... '' It is now XX/XX/XXXX and still no answer. I received a form letter from M & T dated XX/XX/XXXX ( it should not have taken 8 days to get here when mail from PA to NY is typically 1-2 days in transit ) stating that I have 10 days ( from XX/XX/XXXX? ) to give M & T the full balance of the loan. I have also tried to harness the assistance of the PA Attorney General 's Office. I received a letter from them dated XX/XX/XXXX stating that M & T has 21 days to reply to them. As of yet, there is still no response. My contact at M & T is a XXXX, my contact at PA Banking & Securities is XXXX and my contact at the PA Attorney General 's Office is XXXX. PLEASE HELP!!
XXXX  or XXXX  is not letting me monitor my account which is a violation b/c of my id theft and been charged fees in the state of texas if youre a victim all fee 's are waived
I was contacted by XXXX XXXX XXXX, as a reference for someone else. The person gave me an address of where he lived when he was XXXX XXXX XXXX. I did n't know him then. I felt like I was being badgered by XXXX different people over a debit that is not mine. XXXX phone number is XXXX
I have sent money to a professional colleague ( a physician in XXXX ) more than 20 times in the past, but suddenly WU is refusing to disburse the money to him. They admit they have received the funds from my bank account and have confirmed via email that the funds are available -- but they refuse to give him the money.

WU sent me the following confirmation : Thank you. The payment for your money transfer has been received and is available for pickup.

[ My recipient -- name redacted here ] will need to bring a government-issued photo ID and the tracking number ( XXXX ) to pick up the XXXX USD you sent. They can pick it up at any agent location in the expected payout location. 
If you have any questions, contact us anytime. 

Thanks for using Western Union. 
XXXX This is your proof of payment for the money transfer below. 
_____________________________________________________________________ Your tracking number ( XXXX ) is : XXXX Transaction Date : XX/XX/2018 XXXX ET However, when my recipient attempted to pick up the money, he was told the transaction had been blocked. When I inquired, WU simply stated " We checked and reviewed the tracking number you have provided us, due to various laws and regulations across the countries where we do business, we can not complete this money transfer to this receiver. '' Their so-called " customer care '' representatives tell me that there has been no change in the rules for sending money to XXXX, but they refuse to tell me why they are blocking the funds from being disbursed to this physician.
Unauthorized inquiries on my Trans Union credit report. 
WWW.XXXX.comI have set up an account with XXXX to monitor all XXXX of my credit reports. I have noticed several dozen inquiries reporting on all XXXX credit reports that were not authorized by me in anyway. Rather than submitting XXXX dispute at a time regarding the unauthorized inquiries, I have attached a word document showing all unauthorized inquiries reporting on Transunion. I have included, the Inquiry Company, inquiry companies ' address and date of inquiry as well below. These unauthorized inquiries need to be removed immediately. XXXX Total.