WillisBack/dataset-financial-user-claim huggingface dataset:
In the past few weeks I have made online pick-up orders with the Target store in XXXX NH. When I request a hard copy receipt at pick-up, they say they are unable to do so and I should receive one in my email. On several occasions, when I try to print one from my email, the first page is blank, and the next page does not include prices or dates. When I make an online order, I am unable/not allowed to print a copy of my order. When I complained to the store management, I was told that no one else complains about this and they are unable to give any receipt. I believe this is an attempt by Target to hinder their accountability to their consumers. Do I not have the right to hard copy documentation of transactions? 
Please advise. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX. 
XXXX, NH
I am currently applying for a mortgage loan with XXXX XXXX XXXX. Today they attempted to pull all three of my credit reports and scores ( XXXX, XXXX XXXX and Equifax ) thru XXXX XXXX. Only two scores came back ( XXXX   and XXXX XXXX ). Equifax had a message indicating my file is " blocked ''. I contacted the department within Equifax that handles consumer report " freezing '' via telephone today and was told there is no current freeze on my credit file and there is no history of there ever being a freeze. I contacted my mortgage lender with this information and they attempted to pull my credit but were unsuccessful. They gave me a telephone number to call ( XXXX ) which is the department within Equifax that oversees the " blocking '' of files. I called and again I was told there was no " block '' nor any history of a " block '' on my file. I contacted my mortgage lender again and after some research they were able to get information about the error they are experiencing : Error code XXXX signifies that Equifax has blocked the Lenders inquiry because the combination of demographics used ( i.e. Name, Address, SSN ) has been identified as fraudulent or not matching the credit file. To resolve this, the Lender must ask their consumer to contact Equifaxs Consumer Department at XXXX and validate the demographics the Lender is using to pull their credit report ( Name, Address, SSN ). Usually this is due to the info missing from the credit file or the information requires further verification from the consumer ( such as a new address or new last name due to marriage ). This occurs due to an automatic process in the Equifax system and is NOT put in place by the consumer. 

I have verified the mortgage lender is entering my correct name, address, social security number and date of birth when requesting my file. 

I again contacted Equifax at the number listed above and again told my file was not blocked. 

My mortgage lender will charge me a higher interest rate on my loan if they aren't able to access my Equifax report so this problem must be resolved IMMEDIATELY. This is an urgent matter. The closing on my new home will be delayed until they can get my Equifax file.
This company is continually calling my office : Atlantic Credit & Finance , Inc . XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXXXXXXXXXX If I am ever going to have a chance to pay off debt, I need this job. I need to have this stop immediately, can you please help before I get fired.
I have requested not to be contacted on my work cell phone. I have also asked to have my account appointed to a different representative due to the lack of respect and professionalism I get from my current rep. Today I receive a call from my representative who would not provide her name or company id. I asked to be transferred to a supervisor and she hung up on me, claiming I was swearing at her and she would not accept that abuse. My voice was elevated but never at any point cursed. I call back and get connected to a XXXX XXXX. I point out I have requested Ally speak with my wife XXXX XXXX, only to be told by XXXX XXXX " If XXXX does n't respond they still have a right to contact me '' and she hung up on me. I have had bad dealings in the past with my Rep who states her name is XXXX, will never offer any other information such as a company id. I do not want calls on my cell, Ally will call my cell phone numerous times a month. I asked not to be placed on any sort of dialer system and can tell by the delay in answering the phone, Ally is using dilaer technology with my cell phone. They have done this before and will continue if nothing is done.
On XX/XX/18 a dispute was sent to company regarding XXXX XXXX/XXXX   {$1100.00}, XXXXXXXX XXXX {$810.00}, XXXX XXXX {$1000.00}, XXXX {$1600.00}. Per the certified mail receipt, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.
I am writing to protest unfair banking fees for cashing checks written by their own bank customers. I received a letter today from Bank Of America stating that they will begin charging {$8.00} for non-customers who bring my Bank of America checks to my bank to cash. This practice discriminates against those who need the funds the most, such as any independent contractor, care giver, housekeeper, or landscaper. <P/>Is it illegal for banks to charge people for cashing checks written by that bank 's customers? <P/>The bank representative gave no good reason for charging the fee for cashing Bank of America checks to those whom I pay with a check. I understand that XXXX XXXX has also begun charging such fees. <P/>I already pay fees to the bank to maintain my checking account, and they have the privilege of holding of my money. The bank is providing no recourse. <P/>How can we protect consumers from these unfair fees? <P/>Thank you
I reached out to RECEIVABLES MANAGEMENT C because the entered an erroneous entry on my credit file. On XX/XX/XXXX, I sent them a letter demanding that they verify and validate the debt. I have received no such verification or validation and they are still illegally reporting on my credit report. I have contacted them by email and by certified mail ( see attachment ) and they have not responded or attempted to contact me. This is a violation on FDCPA, by law they have 30 days upon request to produce and verify ownership in the form of a legally binding document to show proof that they can legally collect on this debt. I do not own this debt and I have no knowledge of it. Please remove this entry from my credit file per FDCPA or I will seek payment as outlined by law for the multiple breaches of FDCPA that are due to me per FDCPA. Please find below the original letter sent, along with the certified mail receipt.
I opened a Wells Fargo savings and checking account in XX/XX/XXXX in XXXX. I used the account for 5-6 years but then moved to a city ( XXXX ) where there were no longer any Wells locations. I stopped using the accounts for several years ( XX/XX/XXXX/XX/XX/XXXX time frame ) and had transferred all of my money to another bank. 

In XX/XX/XXXX, I used my XXXX account to pay for a hotel room. On accident, the XXXX account ( which apparently was still linked to Wells ) used the Wells checking account instead of my XXXX to complete the transaction. The charge ( {$560.00} ) hit the Wells account in XX/XX/XXXX. 

In XX/XX/XXXX, the Wells account auto-paid {$36.00} of it. In XX/XX/XXXX, that {$36.00} auto-payment was apparently reversed ( likely because there wasn't any money in the account ). In XX/XX/XXXX,  another {$17.00} was auto-paid. 

In late XX/XX/XXXX, Wells contacted me via phone and relayed that I owed {$620.00}, which was the balance of the account at that time. Up until that point, I wasn't aware that my wells account was still open and asked to close it. They told me to pay the balance and they would close it. I paid the {$620.00} on the phone and they sent me a confirmation email saying my account was closed. 

In XX/XX/XXXX, I was again contacted by Wells Fargo and they told me I owed {$37.00}. Apparently, when I closed my account in XX/XX/XXXX and paid off the balance at the time as required, there was still a {$17.00} auto-payment that had been made. In XX/XX/XXXX, this payment was reversed ( which would make sense given the account was officially closed ... ). Per Wells Fargo, this process of auto-payment and reversal continued throughout the summer accruing fees. I paid the {$37.00} they said I needed to and thought it was all finally settled Last month, I applied to get a mortgage for our first home. When they ran my credit score, it showed the Wells had charged me a series of delinquencies in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was never notified of any of this aside from the two times we connected via phone and I paid them. Now, my credit score ( which has no other delinquencies ) is being negatively impacted by these Wells ' rolling lates -- two of which seemed to have been triggered after they confirmed I closed the account. 

If there is anything you all can do to help rectify the situation, I would be greatly appreciative. This issue they've created are impacting whether or not we can get this house. Thanks very much
I have reached out via mail to Receivable Management Services on two separate occasions asking them to provide proper validation of this debt. They have responded with the same improper validation to both letters. I am aware that in order to continue to report the debt ( as they are currently doing ), they must be able to verify that it indeed belongs to me. They have not. 
The documents attached are in the following order 1. The first request for debt validation sent by me 2.  The second request for debt validation also sent by me 3. RMS 's response to both the first and second letter
Thus far, the only unrecognized use of my information appears to have been roughly two weeks prior to today, on XXXX XXXX, 2017. While it seems to have been a harmless check ( perhaps perpetrators probing for viable accounts? ), I do not feel comfortable at the thought of my information having been exposed ( as reported to me by the company itself via their incident response website ) and demonstrated by this unauthorized credit action.
I defaulted on a Federal Student loan. The XXXX XXXX XXXX XXXX has sold the loan to National Recoveries. The loan principal is {$65000.00} an the interest is {$5200.00} and Fees are $ {$17000.00} all of which total {$88000.00} plus everytime I try to talk to the collection agency the amount increases. I am on XXXX from work since the beginning of the year and let the organization know this. Everytime I try to negotiate and speak to someone, I 'm informed that no one is available to help me at the time of my call. I feel like I am being taken for a " ride ''. I have been threatened with Wage Garnishment of 15 % by the end of next week. I am not disputing that I owe my defaulted loans, I dont want to be a consumer that is taken advantage of. I have been investigating the company an I see that the XXXX XXXX XXXX XXXX has dis-continued their contract with National Recoveries. HELP!!!!
The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX told me that they do not verify that information. 
XXXX
I have outdated information on my credit report that I have previously disputed that has yet to be removed this information is more then seven years old and does not meet credit reporting requirements
In XX/XX/2018 I applied to have six loans I had with XXXX  XXXX XXXX consolidated. While going through the process I continued to make monthly payments on the loans. The consolidation was approved and the last payment to XXXX  XXXX on the accounts was XX/XX/2018. I received an update to my credit report in XX/XX/XXXX showing the loan balance as XXXX but the payment status is 90 days past due for 6 accounts! This is inaccurate as I paid every month and was not 90 days past due. When I call they tell me my accounts were current. I asked for a letter and all it shows is paid in full and XXXX balance although I requested a monthly payment history. I have sent a request twice to their dispute department but they keep sending me back a note saying my account is accurate with XXXX balance. I keep trying to tell them the payment status is incorrect and no one seems to get it. I need the payment status of six XXXX accounts corrected account numbers are XXXX. I also disputed with XXXX  but they did nothing but remark my account.
I took out a loan for {$1000.00} on XX/XX/XXXX. As of XX/XX/XXXX I have paid {$1000.00}. When I called today to get the payoff amount I was told it would be {$1100.00} which is more than the cost of the loan. Apparently, none of the money I paid thus far went to the principal balance. I was unaware that would be the case when taking out this loan.
XXXX wrongly switched this account into my name after I purchased a house. This bill is from before XX/XX/XXXX and we moved in XX/XX/XXXX. This is not and has never been my bill. I've attempted to speak with both XXXX and the collection agency and they refused to provide proof this is my bill. Furthermore I've attempted to dispute this with credit bureaus and the agency declined my dispute. Further if this was mine it would be from XX/XX/XXXX and XXXX XXXX reaged the account to show it delinquent as of XX/XX/XXXX ... I did not have a XXXX account in XX/XX/XXXX.
In XX/XX/XXXX Nelnet advised me to consolidate a federal loan which I recieved to obtain my XXXXXXXX XXXX with 2 consolidated parent plus loans which I got in my divorce. Nelnet advised me to consolidate and assured me it would not affect the Public Loan Forgiveness plan I had been on since XX/XX/XXXX. I made numerous calls to make sure I was given the correct information and each Nelnet representative said the exact same thing - that it would not without a doubt change my PLF plan. Now at XXXX - XXXX XXXXXXXX XXXX says that I only show 4 qualifying payments out of 120 payments due to Nelnet or Dept of Ed 's failure to report my payments and the misinformation I was given by them that consolidating Parent Plus Loans with mu Federal Loan would make my Public Loan Forgiveness payments start over from XX/XX/XXXX. I am devastated because I will be retiring in 5 years and I would have to go on 20 year plan instead of 10 year plan. If I had been advised correctly I would never have consolidated in XX/XX/XXXX. Since XX/XX/XXXX I have made 70 out of 120 payments. However XXXX only shows 4. I am a single parent working on a XXXX XXXX salary with XXXX child in school and helping my other XXXX age student. My low income payments went from 88 because I had XXXX children in XX/XX/XXXX on my tax returns -- since XXXX of my children are grown - and share tax years with my ex husband - I can only show one on tax returns which makes my payments XXXX from XXXX. Now I am struggling making the higher payment each month. I sincerely hope you can help me reslove this by getting XXXX to count the 72 years and lower my monthly paynents. Thank you.
I applied for a credit card and was denied. I 'm told my credit reports areblocked. I ca n't get a answer from the credit Co 's. Who placed the block? 
It was n't there in XXXX when a leased a car, and can I remove a blockPlease adviseThank youXXXX XXXX
I found out today ( XX/XX/XXXX ) via an email ( attached ) from Bank of America that it closed my credit card, one that I have had since XX/XX/XXXX. I called the Bank to find out why they closed my credit card and was transferred several times, before someone could respond. But, that person merely said it may have been due to primarily making minimum payments on my credit card ( but I also typically make large payments periodically throughout the year ) and also may be due to certain other " metrics '' that didnt seem to pertain to me. He listed several possibilities, none of which applied to my historical credit patterns. I have not been late on this credit card or any other loan for years, except this month. I was three days late on the payment to the Bank of America credit card this month. The payment was due on the XXXX and I paid it on the XXXX ( it posted on the XXXX ) - a simple oversight that has not happened for years and would not have happened if Bank of America had an intuitive automatic payment system and if I wasnt in the process of moving. My current credit report shows a perfect payment history on this and my other credit cards and loans. Also, I am not maxed out on any of my credit cards I maintain less than 70 % average usage of my revolving debt. Ironically enough, I received a mortgage offer ( also attached ) from Bank of America just this morning, before I received the email that it closed my credit card account! My primary concerns are that this account closure, through no fault of my own, will hurt my good credit score, which I have worked hard to maintain, and that it will prevent me from obtaining credit at a fair interest rate going forward. As this is one of my oldest accounts, it is sure to have a major impact on my credit score. Lastly, I can not help but be concerned that this is an act of discrimination on the basis of my XXXX surname because I see no sound business reason for this action.
I have tried to work with the lender directly in terms of paying off my loan at the correct remaining balance for a few months. 

Since then, my lender is attempting to delay communication in order to continue charging an outrageous amount of interest at the rate - 33.498 %, and recently put me on an interest-only bearing term which I was unaware of. The lender has charged me unreasonably high penalties for failure to keep up with repayments and took advantage of the fact I was unemployed for a year. 

The lender has told me they will not be able to work with me until my account goes to collection because I do n't have an attorney.
i owe 6 months due to sickness and ask them to lower my monthly mortgage so my wife who is the only one working can be able to pay, she has 3 months right now to pay and the company is refusing to take the payments
In XX/XX/XXXX I purchased a home in XXXX XXXX, Florida the note was in my name and mother placed on the title to show ownership via her present XXXX. My lender was IndytMac to IndyMac XXXX, to XXXX to XXXX additional names. I was notify in XX/XX/XXXX that I was illegally placed in foreclosure. I attempted on XXXX occasions to modify my loan with XXXX acceptance stating document would be XXXX to me then a cancellation stating I did n't qualify for a modification program but completed a six month payment plan. I have payment history of making all my mortgage payments. communicated with my several lenders. All said and done hired a lawyer I filed bankruptcy, it was discharged via mother interest on the title and courts records shows shes not on the mortgage and to this day has XXXX Credit. This stop to auction sale briefly. Now just two weeks ago .another foreclosure went before the court but this time the lender request and era on their part and requested from the court to stop sale and the judge denied request and property was auction off. An appeal was filed to stop transfer of title. Please help I do n't know what else to do other than file a complaint.
I have an issue with Ocwen Loan Servicing. I lost my job XX/XX/XXXX due to illness, and have been working as hard as possible to make the mortgage payment since. On XXXX XXXX, I filled out the paperwork for a loan modification. I called Ocwen XX/XX/XXXX to find out what I needed to do. I received a letter stating that my profit / loss statement was invalid because it was not signed ( I own the business ) .The female I spoke with said I had been approved for a HAMP modification, which I knew nothing about. I told Ocwen I had not received any paperwork. She emailed me the information, which I received on XXXX XXXX. I was also set up with a phone meeting with my Ocwen loan representative, XXXX XXXX on XXXX XXXX. I did receive a phone call from Ocwen on XXXX XXXX, but not from my loan representative. I stated that I had read the information and would like to move forward with the HAMP modification. I was told it was no longer an option because I had missed 2 of the trial payments, XX/XX/XXXX and XX/XX/XXXX. I politely told the gentleman that I had not even received the information on the modification until XXXX XXXX, and that there was no way I could have made a payment on XXXX XXXX, when I was n't even aware I was approved for the modification. He had no answer for this, but insisted I send a signed profit / loss statement to them. They had asked for the last 3 months, in my original modification filing on XXXX XXXX, I had given them the last 3 months plus my entire XX/XX/XXXX profit / loss statement. I explained to the man that I owned the company and the statements were generated by my accounting software. He instead asked for an email with XXXX numbers on it, gross income, business expenses and net income. My statements had all XXXX. He then set me up with another phone meeting with my loan representative for XXXX XXXX and I have yet to receive any information on modification programs. This is just the latest issue with Ocwen. I have our small mortgage which was originally a line of credit in collections. I attempted to pay it up to date by sending them a check which was less then XXXX, they held the check until the next months payment was due, then returned it saying they needed a certified bank check, which no where in my original note does it give them permission to demand a certified check. I have called them to complain about " inspection fee 's '' listed on my statement. My next statement would have the same amount listed as " Other Fees ''. They said it was a drive by inspection, but when I asked them if the home was under construction or not ( it is ) they could not answer. They have claimed to have sent certified mail to the home, but can not produce a signed mail receipt. The address on the statements is not even the correct mailing address. I am at wits end with them and am very afraid that their goal is to make it almost impossible to pay my mortgage resulting in foreclosure. What can I do?
Automated Collections (XXXX) turned my account over to the Credit Bureau on XX/XX/XXXX. The two items were for XXXX each from a XXXX  that saw my daughter in XX/XX/XXXX. At that time my wife and I were separated and the kids lived with her, in XX/XX/XXXX my wife and I divorced. I never was told about these invoices. Once, I was made aware of  these charges by the collection agency I immediately contacted the collection agency and paid both invoices for XXXXXXXX each and was told that they would resolve the issue with the Credit Bureau. This has not been resolved and is negatively affecting my credit/score. I have always paid my bills on time. Please help..
Holding funds without notice or explanation Bank Of America has placed holds on my business checking and savings account with over twenty thousand dollars of my working capital. No notice, explanation or reason has been given to me. No timeframe has been identified as to when the holds will be taken off. In multiple conversations with various departments no details has been provided. All the information I 'm getting is that an internal department that has no name, telephone number or any means of contact has placed the holds and may contact me should they require any information, no specific period of time was ever mentioned to me. No specific reason for holds being placed or any other information has been provided to me by anyone I 've talked to on multiple occasions.