WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 my home was damaged from a broken hot water heater above me I submitted to my insurance company and settled with them and was issued a check made out to both myself and the mortgage company .I informed the mortgage company ( XXXX XXXX ) and was issued a ILD #. On XX/XX/2018 they then sent me numerous papers to me to fill out and informed me that the money would be put in escrow and dispersed as needed once I sent them necessary paperwork which included copy of the following insurance company 's adjusters report/estimate, mortgagor 's declaration of intent to repair, bid/work contract, form w9 for contractor, contractor 's license affidavit, signed check from insurance company, any receipts for work paid and completed and a letter if I wish to receive more than 25 % of the total amount in escrow. This was all sent to them on XX/XX/2018. Having heard nothing from them I called on XX/XX/2018 to follow up only to be informed that because the contractor had not signed the bid they could not process I then faxed a signed copy that day. On XX/XX/2018 I called again this time I was informed it was not processed because I had not signed the bid ( If I did not follow up how long would the file have sat before someone got in touch with me to let me know they needed these signatures ) but the supervisor assured me he would expedite the payment and I faxed a signed bid by me to them. XX/XX/2018 called again spoke to a supervisor who informed me that a check was issued for half of the contractors bid amount. After explaining to this supervisor that the contractor needed to be paid in full in order to complete the work as it required the purchase of a furnace and air conditioner unit she assured me she would contact the appropriate people and explain the situation and would call me the next day and update me. No phone call ever came On XX/XX/2018 I called again and was told that no supervisor was available to speak to me I said I would hold for them and was informed I could not hold and they would call me back within 24 hours. So here I am no heat, air conditioner, walls, insulation, ceiling 's, and flooring. I am XXXX XXXX and live with my XXXX year old mother and the temperature outside will be dropping into the 60 's in two days. I have advised the insurance company of our situation and they sympathetic to my situation they do nothing to help. I would really appreciate anything you can do to help me. I do not understand why the mortgage company who say they are so interested in restoring the property back to its original state ( as I am very anxious to do ) is controlling the money to do so from the insurance policy that I personally pay for not them.
M y Capital one c redit card  XXXX   XXXX   XXXX   XXXX  has been removed from my credit reports due to a credit bureau mistake. This account got mixed up with a different account reported as fraud. This card needs to be re-reported by  Capital One to ALL  XXXX  credit bureaus. All pay history since 2010 needs to be up dated immediately. If any requests have been made by any of the credit bureaus to stop reporting this account please disregard them as invalid.
On XXXX/XXXX/2016 I deposited a check drawn on XXXX Bank, to Wells Fargo in Battleground, WA. 
I use Wells Fargo near my home in XXXX, WA. 
The branch in XXXX gave me a slip that says I could have XXXX of the XXXX in a couple of days, and the rest on the XXXX of XXXX. I told the person that wrote me the check about this and he showed me on his IPAD that the check had cleared his account on the XXXX. 
I called the XXXX branch yesterday and spoke with the manager XXXX, he said he would call Banner bank and see if it had cleared and if it had release my money. He never called me back. I called Wells Fargo customer service and they said they could no help, that the branch that issued the hold had to release it and got them on the phone a few minutes ago, I spoke with XXXX. She said that the issuer would have to show her his statement and she would then release the funds. 
Since the check has cleared, and Banner bank will not discuss the check with Wells Fargo, as I do n't bank with Banner, I have the money I need and earned sitting in Wells Fargo gaining interest for them. XXXX at Wells Fargo said she had no way at the branch that the funds were ready to release to my account. I find that hard to believe, anything you can do to help would be great. As a consumer my money should not be hijacked for 10 days, it 's stealing.
I have disputed several hard inquiries on my Equifax credit report. Equifax keeps stating that inquiries are a factual record. My argument is that the inquiries were not authorized by me and are fraudulent. i sent the request to have them disputed and removed along with my official police report. if an inquiry was not authorized by me than how can it be a factual record on my report under my identity. Equifax is causing me damages by continuing to report those inquiries which has caused my credit score to drop.
Sallie Mae has been informed - via US Mail to their normal payment address twice, and via telephone more than a dozen times - that it is inconvenient to receive phone calls due to my work schedule. They started calling nonstop ( 8 times to me so far today, 7 times to my cosigner ) yesterday and today, even though a payment was scheduled on their website and they have been informed of the scheduled payment. I 've spoken with 3 different people over 2 days ; 2 of those people stated I should not be getting calls, and that they had removed the phone numbers from the account. 

In my state, FDCPA applies to first party creditors. I have cited section 805.c of the FDCPA to them on numerous occasions.
I currently have a debt to Springleaf Financial. This issue has persisted for approx a year. This company will call me constantly, multiple times a day, on different telephone numbers, sometimes leave messages and sometimes not. They have called me at work when I have asked them not too. When they dont reach me they call my " reference '' list of individuals that they required i leave with them. These individuals include my children, family, friends, none of which have any responsibility towards this debt. I have asked for this to stop on many occasions and it persists. I realize this is my debt and I am making attempts to get it paid, but this is harassment of myself and others. I do n't know what else to do and found this information on the internet. Thank you.
Since XXXX XXXX, 2015 I have been requesting the bank to provide me a copy of my mortgage servicing file in accordance with the Real Estate Settlement Procedures Act ( Regulation X ) 1024.36 - Requests for information. I have submitted my request in writing as indicated by the regulation. The bank ignored all the requests made until the last request made on XXXX/XXXX/2015 which the bank answered on XXXX/XXXX/2015, but refusing to provide the information indicating that it is overbroad or unduly burdensome request for information. The bank is in violation of the applicable regulation since it failed to acknowledge the request for information in the time frame indicated by the regulation and the overbroad or unduly burdensome request for information response is not applicable in this case. 
I have attached the letters sent to the bank requesting the file and the bank 's response.
I had gone into the XXXX branch in XXXX XXXX NY on XX/XX/XXXX. To apply for opening mortgages for six properties in XXXX PA. XXXX XXXX was the mortgage broker I dealt with as well as his branch manager XXXX XXXX and XXXX XXXXd ( it had to be escalated to the VP of XXXX County ). He informed me that after he has all my information and paperwork required, he would run my credit. I said he may only run my credit ONCE. He made two hard inquiries on my credit, one with my knowledge on XX/XX/XXXX and the other without my knowledge on XX/XX/XXXX. All within almost a 30-day period. I had then received 5 commitment letters from XXXX XXXX and the loan processing office in Ohio, on XX/XX/XXXX. Which I signed all 5 letters and sent them back, that day. For some unknown reason, which XXXX XXXX did n't inform me, until the closing of the 4 properties. He stated, '' Lets close on these 4 properties, then we will close on the last one after ''. I asked why and he said, " It makes things easier ''. I complied with his 30 years of experience, he had made a point to tell me in the beginning of the process on XX/XX/XXXX. We only closed on 4 properties which took 5 months to close on. He never reached out to me to close on the 5 properties. I had to escalate it to the VP XXXX XXXX. I tried to explain to XXXX, the situation and sent him an email of my signed commitment letter. We had a few correspondences and he not to worry, we have your credit report on file for 120 days. XXXX got back to me on XX/XX/XXXX, telling me there is nothing he can do, the commitment letter has expired and they must redo my application over. I had him send me that in an email. I have not gone through with the application process again. I do not want to run my credit for the third time. I lost that property too. I have all supporting documents to support what I mentioned today.
Transunion has fail to provide me with results of my dispute that I have initiated since last year on accounts that collections companies have fail to provide with proper documentation, accounts closed and recent payments have been posted.
2 weeks ago I called Transunion to discuss the fact that there were multiple inquiries on my credit report that was previously deleted. I had no knowledge nor did I authorize these inquiries. The operator that I spoke to ( XXXX ) walked me through each one and informed me that he was deleting them while we were talking. I assumed based on what he said that in fact this was taking place. I checked my report today and those inquiries have not been removed. They are still reflected on my report. 

The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Good Afternoon, I have been  a MACYS cr edit card client, since   XXXX  . I have been sa tisfied with their services and consider them a good company. I have made several attempt to clear a late payment on my credit bureau reports, which is incorrect. Macys has been sending my correspondence to an undeliverable address, making any kind of attempts to further contact me, regarding my account. I have made several request to have this late payment reported in error, on all 3 major credit bureau reports. Macys has failed to comply with the Fair Credit Reporting Act, and has continuously promised to remove this blemish, not caused by me. I ask you please help me, in contacting MACYS regarding their unfair and devious tactics, that violate my rights as a consumer. They have a late payment In error and ask they please correct this matter and delete any and all negative items, the y have reported in error.      Thank you in advance, for all your assistance.
Hello so in summer XX/XX/XXXXand again in early XX/XX/XXXX TransUnion experienced a database glitch that deleted EVERYONE 'S TransUnion Inquiries. Once the glitch was realized, TransUnion added them back to your report. I know for a FACT it is illegal for an item to be added back to my credit report without you getting written notification 5 days prior to it appearing. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. They declined and stated they will remain. I advised them the inquiries was n't authorized anyways and I been informed them of this so when they were deleted I thought they finally listened but for some reason they just came back. Can you please REMOVED ALL THE INQUIRIES BELOW because I this is n't fair at all. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
My loan was placed with an attorney for collections and the attorney sends all correspondence to my place of employment. I was told today from my employer that this has to stop.
they call non stop and now have contacted a friend of mine. I have no idea how they got his telephone number, but said they were calling for me to collect a debt. I also paid them in the past and they still call and say it 's not paid. it is XXXX and they called from XXXX
I submitted a identity theft report to Transunion and XXXX and they both denied me my right to have the information blocked from my credit report. I was not given a reason as to why the information wasn't removed, they also did not block the information from my report within 4 business days as they are supposed to. This is infringing upon my right as a consumer to have corrected and updated information to be shown on my credit reports, this hurts my ability to obtain credit. I would like to request that they immediately delete the accounts that are fraudulent and do their best to keep inaccurate info off my reports and from hurting my chances at obtaining credit.
It is time for my daily complaint with Equifax because they are breaking the FCRA and the CFPB seems to be doing nothing. On XXXX XXXX, I talked to XXXX, XXXX XXXX XXXX, and XXXX XXXX, all XXXX said their investigations are not complete and nothing was reported to Equifax , meaning they are lying about verification. If the have verified my information then I want Equifax to attach a copy of the verification to their response of this complaint, something I have asked before and they have refused. Might I also add that the XXXX XXXX XXXX account is attached to an unknown name and said it was charged off with someone using my wife 's maiden name in 2014, I have sent proof that her account with XXXX XXXX XXXX was changed to her married name yet Equifax ca n't seem to grasp this concept. Next, XXXX is a fradulent account but let 's put that aside, this debt was discharged in a settlement agreement signed by their representative, that I have also provided and was allowed to do so for financial purposes. TransUnion has actually done an investigation and found all XXXX of these accounts fraudulent yet Equifax seems to be lying or have proof that TransUnion could not find. You must have to have a XXXX to work at Equifax. I am again sending my proof for XXXX XXXX XXXX and XXXX but I 'm sure Equifax will lie and say these debts are verified and the CFPB will allow them to trample on my rights. Also, Equifax should have received my bill for my contracted services, I never asked to do business with Equifax and though they never asked to do business with me, I am still charging my hourly wages ( 12 hours a day, 7 days a week ) as well as lost sales revenue since they are the cause of this and I have them a discount at {$20000.00} dollars. I meant what the letter said, this line of credit will be reported to XXXX as either paid or unpaid on all XXXX numbers found for Equifax Inc.
My taxes were filed with my tax preparer and were planning to be directly deposited into my checking account. once the day came the money was supposed to be deposited and it was not, my tax preparer and myself realized the wrong account number was put on my tax paperwork knowing this we called Chase and  also called XXXX XXXX XXXX, my tax preparer bank, and had every one on a conference call to let every one know that my income tax check has been deposited into the wrong account and it needed to be fixed and doing so Chase requested that XXXX XXXX XXXX send them a recall for the money. XXXX XXXX XXXX did so XX/XX/XXXX and multiple times afterwards also sent a recall for the funds on XX/XX/XXXX and a few other times afterwards. Chase refused to acknowledge the recalls for the funds and whoever 's account the money was in has spent my money even though Chase had everything they needed to recall the money and send it back. also I am a little confused on why Chase allowed my income tax check with mine and my husband 's name on it to be deposited into an account that had a completely different name birthday social security number and everything I have spoke with a lot of different departments at Chase and they all tell me the same thing there is nothing they can do the money has been spent but I honestly feel like they should pay that money back or the person who spent it should be notified it was not their money. Because XXXX they stole my money. Many their account should be closed or have to pay my money back. when I get to the higher up department at Chase they are very very rude and act like they are annoyed with me. very unprofessional so my money has been missing since XX/XX/XXXXand Chase has done nothing to help me get my money back it was over {$6000.00}. They had what they needed intone to refund my money. They did n't do what they were supposed to do.
Barclays bank is blocking my information to financial data apps. I can not add my Barclays credit card to XXXX
Our home mortgage has been underwater since 2008. We 've tried refinancing to be turned down due to not having a special hardship. We 've struggled over the years but this year due to a $ XXXX monthly increase is the hardest. Our home appraised at XXXX according to Wells Fargo. Our mortgage is {$250000.00}. We just want a more reasonable monthly payment but have been turned down several times. Does not matter to the institutions if it 's underwater or not. My husband is XXXX yrs away from retirement. I am on ssn now. We do not want to move at this late in our lives plus we ca n't afford a down payment or qualify for a new loan. Could you help us or guide us to who could. Thank you. XXXX & XXXX XXXX
This company, called Credit Collection Service s of  XXXX , MA is a debt collection company that continues to attempt collecting on debts I do not owe. It appears they are assigning me debts when they can not find the correct person, as they range from ambulance   rides ( paid   years ago by the insurance company ) and auto insurance that I either did n't have or prepaid in full for the term.     I called to ascertain the number of accounts in my name and for what they are for, including details, and I was denied any information. This is further evidence that the debts are not valid as they declined to give any information or details to me, the person they are attempting to collect from.     Please assist with this matter as I have made no headway.
Last year I contacted Sterus, Inc. about my inability to contact them with regard to my mortgage modification I have with them, I was not receiving documentation and was unable to send communication or speak with key departments, such as escrow or insurance. After about three months of this last year, the communication was fixed and I did receive my documents and the link on my account with this company seemed to be corrected. 
In XXXX, 2015, I contacted customer service to discuss my insurance which is included in my payments, actually thinking I was speaking to Seterus, Inc., but in fact was speaking to an outsourced divison in NC. In any event, they failed to take down my notes on insurance changes and no one got back to me. My new agent tried to handle this for me and they refused. I was trying to reduce the cost of my insurance to keep my payments the same or lower because I am on a low income. The current insurance company continued to raise their rates and its almost XXXX a year. I found a company to do the same thing for XXXX. After the phone call from my new agent, I called to speak to Seterus and they advised that an escrow analysis is currently under way which means that the negligence of the call center may cost me my house. Also I have notified the company more than once, that it was my intention to change insurance to keep costs down. So today when I called I was upset to find out not only did they refuse to pay the new insurance, they had paid the old one early. In speaking to the insurance department ( customer service did not help me at all here either ), I found that if approved the new insurance it would create a deficit in the escrow that would drive my payment up to an amount I could never afford. I needed to send a message to the escrow department to either hold the escrow analysis for a month or simply ask their advice on this matter since it is their common practice and it does DIRECTLY IMPACT MY MONTHLY PAYMENT ARRANGEMENT WITH SETERUS. 
I asked the supervisor ( XXXX XXXX ) to notate his refusal to contact the escrow department, or his refusal to make notes for the escrow department and also to contact yet again the IT department for the website, so I can send a letter via email to Seterus. 
I need to speak with them directly to clarify how to handle this expeditiously and keep my payment down. It just seems to me that they are trying to take my home.
I was applying for a loan of XXXX with XXXX. there were several things they required before the loan was approved. one being that I verify my checking account. I never verified my checking account with them. which I thought means the loan application was not complete. but somehow the loan was approved and deposited to my account. I would have refused the loan except the deposit was made to my account with a negative balance making it imposable to rescind the loan. now the company wants me to make twelve XXXX payments to pay back this loan. they have already tried to receive two payments which has cost me XXXX in overdraft fees. I never finished their loan process so I don't know why they deposited the money into my account. not being able to stop the loan because of the negative balance. I am now stuck but I didn't want the loan that is why I didn't finish the process. I am living off social security I cant afford to make these outrageous payments. I do realize that the XXXX needs to be paid back. I suggest that two payments of XXXX a month with a final payment of XXXX on the third month to repay the loan. I realize that the total repayment equals only XXXX but that reflects the XXXX it has already cost me.