WillisBack/dataset-financial-user-claim huggingface dataset:
My mom died XX/XX/2017. She willed the house to my niece and nephew. We had filed a complaint prior to this one. The mortgage company ( M & T Bank ) was suppose to help my niece and nephew assume the loan. We tried making payments but they sent them back. First they said they had to be from my mom and dad who were already dead. Then as they were sending the payments back they were saying we were in default. Now supposily they are saying my niece and nephew have the loan in thier names they are still following through with foreclosure. How can they foreclose if someone has already assumed the loan. And try to foreclose while at the same time they are suppose to be helping. It's a fraud ... ... ... And all this because my mom died. This is not right and for them to foreclose on a home that they were supposily helping us modify the loan on is very illegal. We need to stop the foreclosure. We are low income and my niece and nephew are on SSI. We can't afford a attorney. Please help us. This is our second complaint.
I have tried to dispute two items with Transunion, and the credit reporting agency steadfastly refuses to update their records to reflect what is in my XXXX report. If they dont comply and soon, then I feel at this point the only option left for me is to pursue a remedy in either small claims court or through the federal court system. 

The two items in dispute are an account from a company named XXXX back in XXXX which is no longer in business as I understand it and a student loan from XXXX ( a private company ). The student loan was in constant deference until it was transferred to another agency where the loans were entirely discharged due to my XXXX XXXX. XXXX continuously reported the loans late on my credit even though they never were.
To whom it may concern I XXXX received a short settlement from Wells Fargo bank the amount XXXX dollars.They gave me 45 days to pay it. I paid the amount and over the amount. With in the 45 days. I paid XXXX dollars over the amount I ask for my refund amount back and Wells Fargo refuse to pay me my refund back I tried many times to get my refund back but they refused. Please help me get my money back from Wells Fargo and XXXX. Acct # XXXX case # XXXX My phone XXXX MY email XXXX MY address XXXX FL XXXX.I also put in a complaint in with XXXX # XXXX Wells Fargo and XXXX also refused to answer XXXX.
Vehicle was a total loss on XX/XX/XXXX. My car insurance paid there portion. Leaving a balance of of {$7200.00} on XX/XX/XXXX GAP insurance paid {$2300.00} on XX/XX/XXXX. Leaving me with a balance of XXXX. Received a letter from Santander date XX/XX/XXXX stating that my payments were to be {$440.00} until balance was paid. I started calling them right away letting them know that I could not afford that. Unfortunately because of the total loss I had to get another car loan i could afford to pay $ XXXX {$150.00} a month and to please modify my loan. I have called them 6 times on this issue to help me resolve this issue to no avail. 
Now on Thursday XX/XX/XXXX I called again just to be told no again and atop of it the money that the GAP insurance paid was reversed on XX/XX/XXXX. Got in touch with the GAP insurance and was told that were not going to pay now leaving me with a balance of {$7200.00} at interest rate of over 22 %. " PLEASE '' any help you can provide is greatly appreciated.
We are finishing up putting XXXX of our children through college- all with multiple loans which we cosigned for and some have now released us as cosigners. It is an impossible task to not get financial aid and to do this without loans! Our children have been good about paying them and when fallen behind- we help if possible, Since I had a XXXX last year, I ca n't keep helping and our son XXXX has had some work decreases this year due to Obama 's ridiculous energy rules and he got behind on two payments that we cosigned for. We have been on these loans for 7 years- now our credit score dropped XXXX points yesterday due to Navient refusing to remove us from this loan and our son is so discouraged because he can never get ahead between the late fees and interest payments he then has to catch up on. This is a brutal process and leads one to just walk away from responsibility when they ca n't and wo n't cut any slack! HELP!!!!! None of us can do this anymore and we should be removed from these loans NOW- we ca n't keep getting upset - we paid these loans for a long enough time when he needed it but since this stroke- it is the cause of constant upset and turmoil which is only adding to my XXXX health. Please get them to help our son see the light of day and get our name removed from these Navient loans so my credit score stops dropping due to these ridiculous people.
XXXX XXXX contacted my family member XX/XX/XXXX between XXXX and XXXX eastern standard time and disclosed my personal information as well as my balance that was owed to them, they also informed this relative as to how many months I was behind with my payment. The representative that contacted my relative was a Mrs. XXXX XXXX ID XXXX
I received what appears to be a prepaid card from netspend located in XXXX Texas. The mail was addressed to a person who does not live at my address. When I try to call the company to report possible fraudulent activity the number does not give you the opportunity to speak to a representative if you dont have an act number or it will ask you for a social security number. This is not the first time I received this from netspend. I placed a complaint a few months ago because they sent me a prepaid card and I never asked for this card. This company should not be asking for social security numbers in order to be able to speak to a representative. They have no option to call and report this type of activity. This is very deceptive to a consumer and should be looked into. I want to find out who is using my address for this type of activity.
I revived a voice mail saying it is an attempt to collect a debt and she left her name XXXX. They called under XXXX number but left a different number to call back.
I contacted Midland Credit Management to verify my debt and they refuse to do so and do not want to hear it.
I filled out a application on XXXX for a payday loan and it had me enter in my capital one 360 routing number and account number and then login to verify it was my account. After logging in I received a message error stating I was blocked from viewing my account data.
hello, my problem is that in XXXX, XXXX bank, which is now bank of America gave me a home equity line of credit of {$300000.00}, when my yearly salary was under {$60000.00}. and then in XXXX XXXX bank gave me another {$120000.00}. I believe they should of calculated my ability to pay better than they did. now 13 years later, and XXXX tears of age, I still owe {$420000.00}. with a yearly salary of {$52000.00}. with the interest rates going higher I 'm finding it extremely difficult to meet my obligation of paying these mortgages. I 'm afraid foreclosure is inevitable.
I worked for XXXX XXXX. They provided me with training in exchange for service upon obtaining my cdl. I was attempting to work off the debt, but they terminated me without cause.
XXXX  and Equifax have failed to respond to my written disputes within 30 days per FCRA 611 ( A ) ( 1 ). There is an inaccurate bankruptcy type and docket dates reporting on my credit reporting. I have written Standardized 605 ( B ) affidavits of truth of facts and FTC report because my social security number is also reporting incomplete which does not comply with the Fair Credit Reporting Act 609 ( a ) ( 1 ), by not reporting my social security number entirely which is not reporting 100 % accurate information as required by FCRA 609 ( which is why the bankruptcy has been removed from XXXX XXXX and XXXX ). 

FCRA 609 ( a ) ( 1 ) ( a ) requires Equifax and XXXX  to provide ALL INFORMATION on my credit file per my request clearly and accurately. Neither has provided me with the method of verification in which they used to verify this inaccurate reporting as Section 611 ( a ) ( 6 ) and ( 7 ) providing me with the name of the courthouse, persons name they verified the dispute with, address, telephone number, and DOCUMENTATION USED TO VERIFY THE DISPUTE. 
So I disputed with the furnishers name and address listed on my credit report under the furnisher rule 660.4 ( e ) with the bankruptcy court listed and the courthouse responded on companys letter head that neither XXXX  or Equifax has contacted it and that is did not report or provide this information to no credit bureaus. Responsibilities of Furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] requires complete and accurate information to be reported.
XXXX credit reporting agency deleted XXXX XXXX XXXX and XXXX account off my report last month after there investigation now on this months report they both have been re-instated this is wrong I contacted legal advice and was told once an account has. Even deleted it can not be reinstated again. Due to this my credit score went eay down again
On XX/XX/XXXX I paid an online invoice I received via email for {$7500.00}. This was the first half deposit toward plumbing services. This was an ACH transaction leaving my account, going through XXXX with the ultimate destination of XXXX XXXX. The money left my account XXXX XXXX. As of today, XX/XX/XXXX, XXXX, whose account is at XXXX has yet to receive the funds. They have tried multiple times to locate them but XXXX says it ca n't find them. XXXX customer service says the transaction was rejected and they did n't get the money. I filed a claim with USBANK to revoke the payment and it was declined. I filed a second claim for a missing ACH transaction but the supervisor told me this was not correct and was going to be declined. I have the trace number of the transaction. No one at US Bank branches or telephone will help actually trace the funds. I have been in multiple times, made numerous calls and spent more then 10 hours trying to resolve this with no assistance. Each call I make I end up speaking with a different person, whom tells me a different story but the common denominator is everyone says they ca n't help. I have been told that XXXX needs to have XXXX trace the money. But, XXXX says it never hit their system so ca n't locate it. None of the banks- XXXX , USBANK or XXXX ' bank have been helpful thus far.
My credit report is reflecting incorrect information with my  credit score  being affected due t o JC Penny reporting late payments on an account I had. I have reached out to JC Penny customer service directly and was told they would note my account and update their system and as a courtesy correct this. It has be  en 30 days and the i nformation is still the same with no correction on my credit report.
The following records are have been recorded and disseminated wrongfully. 
LexisNexis failed to dispute XXXX XXXX 's information which is incorrect and incomplete. The company continues to collect and disseminate ambiguous and questionable information that is designed to discriminate and deny consumer coverage as deceptive business practice. As such it should be investigated for the legitimacy and ethics of its services as it is only benefiting corporations and not fairly services consumers. 

As stated previously road side assistance which is part of the policy benefit is NOT related to driving and is NOT considered a claim and is NOT relevant to the driving record just as XX/XX/XXXX ( Catastrophic ) due to natural disasters such as IRMA. Are impacts from natural disasters supposed to penalize consumers? 


XX/XX/XXXXclaim has been updated as NOT at fault. This is not correctly recorded. 
XX/XX/XXXX ( Towing/Labor ) - Valid claim, accurately reported and should not be removed. XX/XX/XXXX ( Towing/Labor ) - Valid claim, accurately reported and should not be removed. XX/XX/XXXX ( Catastrophic ) Valid claim, accurately reported and should not be removed. XX/XX/XXXX ( Towing/Labor ) - Valid claim, accurately reported and should not be removed.
I have received the credit report from TransUnion on XXXX and I found I have a missed payment on a credit card of XXXX that has been already closed. I have neither opened it nor closed it and I have never missed payment in my history. I disputed this problem to the TransUnion about 20 days ago and received massage from them that it said they have already completed my dispute and made changes to my credit report, but I found it is no any changes on my credit report today. My credit score has been put down very low now. So I urge you to ask them to make real investigation of the dispute my recently submitted and give me a correct result. Thanks.
I am a United States  XXXX  who partied in  XXXX . When my  XXXX   XXXX  contract ended, I attended  XXXX  University where I obtained a  XXXX   XXXX . To cover the cost of tuition acquired federal and private student loans. Shortly after acquiring my loans,  Discover increased my monthly payment to {$650.00}. I call Discover  on several occasions to negotiate a lower monthly payment, and I was told to pay {$320.00} at the due date and pay another {$320.00} before the next due date to avoid going into collections. Managing my payments that way would eventually became very problematic for me. However, I did as I was told for as long as I could, until my contract at work wasnt renewed . I called Discover a gain to explain my situation and I also explained that I had an arrangement with  XXXX  to cap my monthly loan payments at {$450.0 0}. Discover woul d not offer any flexible options for repaying loans. I had to decide between, rent, and keeping my other debts  (  credit cards ) current. I am not proud of my financial circumstance ; however, I feel I did all I could to keep my loans from going into collections. As I write this letter I still owe over  $     40K in Federal student loans and I have close to $ 10K worth of credit card debt. I want to pay all of my de bts and improve my credit worthiness but at this point in my life I dont make a whole lot of money. Outside of my private student loans, I have never defaulted on any loans or credit product. My federal student loans, credit cards, and car loan are all current. The primary reason for all this is because they were willing to offer me a flexible payment option. Today I can honestly say, my private student loans are  one of t he reasons for my  XXXX .
Credit hurt by multiple credit inquires within two months. Only one authorized but XXXX XXXX via XXXX XXXX has XXXX inquires weighing on my credit. I only authorized one. Banks are also forcing me to pay back money sooner by tarnishing credit with unauthorized hard inquires and other devious practices. XXXX XXXX and XXXX XXXX will loss my business because of this over-time. Trans-Union will not allow me to dispute my hard-inquires??? I have not requested any new credit and hard inquires are showing up. Not fair to consumers. Please tell me they are not going to let big business and Banks walk all over American People?
I was informed to be pre-approved for XXXX XXXX, credit card and Citi Bank card. When I applied I was denied approval without explaination. Now I have two hardships on my credit. Not sure what credit card to apply for now to build credit.
WALMART MASTERCARD / Synchrony Bank blocked my credit card a month ago. Then, they blocked my online access, so I ca n't even pay the bill. They do not want to speak with me saying they do n't know who I am. They could not be any more difficult. Most banks know how to appreciate your business. Not this one.
XXXX mailed mortgage payment for XXXX XXXX, 2017 ; XXXX/XXXX/2017-spoke to customer service rep at Seterus, Inc regarding payment because it had not been posted to account. CSR said give it at least 10 days. XXXX/XXXX/17-payment still not posted to account. at this point, I assumed payment was lost in transit and I put a STP payment on that check and authorized on-line payment from my Money Market account from a totally different bank. XXXX/XXXX/2017-payment posted to account, but funds not withdrawn from MMK account. I called Seterus again to enquire as to why. The CSR at Seterus told me it could take a few days before funds are actually collected. XXXX/XXXX/2017 I received a phone call from Seterus telling me my mortgage account was delinquent and how did I want to take care of it. I explained the chain of events that had already transpired with the payment. The Seterus CSR told me they were not able to collect the authorized payment because the account could not be found. I gave the CSR the MMk account info again and the payment was accepted. This puzzled me. I contacted XXXX XXXX to query the issue. I was told Seterus coded their payment request as a savings account instead of a MMK account and therefore were not able to collect my mortgage payment. Both parties acknowledge, no error on my part, but Seterus, Inc, the mortgage servicer has put the burden on me to provide proof of their mistake and has charged me a late fee and indicated that my mortgage payment was late. In 25 year, I have never missed a payment nor has it been paid outside of grace period. This is very unfair to me as a diligent consumer. XXXX/XXXX/2017 XXXX XXXX ACH supervisor again acknowledged coding error by Seterus but would not provide a written statement to that effect. My attorney suggested that I file this complaint to see if the issue can be resolved and my money for late fee is refunded and my payment record corrected.
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. In XXXX 2016, the credit bureaus removed the inaccurate information via CFPB and in less than 20 business entered the public record therefore holding my identity and credit under " Consumer Lock '' for 10 years. My initial dispute stated that the Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
I have a judgement from XXXX from XXXX XXXX XXXX. It has been reported on my credit report that I owe {$6000.00} as a collection account. 

However, I have recently had my wages garnished for this matter in the amount of {$1500.00}. This was paid approximately 2 months ago leaving the judgement as satisfied 100 %. There is a Writ of Garnishment and Summons in the amount of {$1500.00}. There is NOT one for the amount of {$6000.00}. 

On XX/XX/XXXX I wrote a letter to XXXX asking that they validate the account for XXXX XXXX/US Collections West ( Collection Agency ). I received a letter from US Collections West , Inc. on XX/XX/XXXX showing the total amount owed is {$7200.00} which includes interest of {$1200.00}. They included the Writ of Garnishment for {$1500.00}. They also included a Writ of Restitution that is nearly completely non legible. Regardless of any dollar amount in regards to this case, the fact is {$1500.00} is the amount that a judge has decided was owed and garnished from my wages. This is the amount, if anything, that should be on my credit report. The inaccurate reporting has hurt my credit for almost the last 5 years. There is a huge difference between a debt of approximately {$1500.00} and $ 6,000+. The ways that this has impacted my credit are immeasurable.
my equifax credit report is showing my XXXX XXXX XXXX entry as being reaged as its showing the date of last payment as XXXX and the date of first delinquency as XXXX. i am in the process of rebuilding my credit at this time and this type of information hampers my attempts to obtain any new loans. also i am requesting the the credit entries XXXX and XXXX be deleted as well as they will be falling off my credit report in the coming months
On XXXX XXXX I received a HARDSHIP withdrawal from my XXXX due to health issues. I took the check of {$35000.00} to Wells Fargo where I was told they would release only {$200.00} and the remaining {$34000.00} would be held till XXXX XXXX. I called Customer Service at Wells after I left the Bank FOUR times as this was cause for concern. A Hardship withdrawal, is just that HARDSHIP. I was told that my check, even though it would clear the Bank the next business day that Wells would not release funds till XX/XX/XXXX due to the fact that I had some OVER DRAFTS over the last six months. They commented this was a Federal Regulation. 

1 ) Wells offers my FREE overdraft protection having a PMA account. So I am being penalized for using their service that they offered to me. 

I asked over and over even if the check clears XXXX 's Account ( my XXXX Provider XXXX that they still would not release my funds till XX/XX/XXXX. 

So I have only XXXX till XX/XX/XXXX while they hold on to my XXXX even though the check clears the writers account. 

I would like to know what Federal Guideline calls for a Bank to hold a check for this long due to the fact that the Banks Customer used their overdraft protection that they had me sign up for and is a selling point of their PMA account holders. 

So NOT knowing this I wrote checks and mailed today knowing that I would have XXXX in my account. Now I asked them about those checks. They stated they would be not honored and I would be charged for NFS checks even though I deposited the XXXXI am intelligent to know that these funds would not be available today but to not be available till XX/XX/XXXX is unbelievable. 

So I asked how I could get my check back so I could deposit it at the other XXXX Banks I Bank with and they stated once a check is deposited it can not be returned. 
I am NOT normally someone who writes about anything BUT this has me so upset today that I am reaching out for help. 

IN SHORT : I use the overdraft, that they signed me up for. This is not NSF items this is where funds are pulled from linking accounts. But because I used the overdraft protection they have to hold my funds till XX/XX/XXXX and all the checks I wrote are going to be bounced and I will have to pay them NSF fees even though the money is in my account.