WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from XXXX stating that they were going to use a remotely created check to access my account on XX/XX/2016. I wrote XXXX a letter revoking my authorization to access my account. I also sent a letter to my bank, XXXX Bank, requesting they place a stop payment on any check from XXXX. I checked my bank account on XX/XX/2016 and saw that a check in the amount of {$500.00} had cleared from XX/XX/XXXX. I had other checks pending so it cause me to be charged an overdraft fee. I tried numerous ways to get in touch with my bank about this matter and was referred to someone who is never in the office. It has been a month and I had to pay {$500.00} in overdraft and returned check fees. I now have another {$250.00} to pay in overdraft and returned check fees because XXXX tried to access my account twice more. I am still waiting for the bank to do something about it and will probably be told there is nothing they can do because that 's all I have been told by them so far.
This has been on my credit report for two years. I have disputed the item over and over ; and now it just re apears as " new '' every so often. I have tried to contact the creditors inquiring as to what this is for to which I am met with different answers and an unsure avenue about how to correct this.
XXXX XXXX VIA EXPERIAN, XXXX  AND XXXX HAVE REPORTED CHAPTER XXXX A BUSINESS BANKRUPTCY ON MY PERSONAL CREDIT REPORT ... THIS IS A VIOLATION OF F.C.R.A. RULES AND REGULATIONS. I ATTEMPTED TO DISPUTE THIS ERRONEOUS PUBLIC RECORD AND REQUESTED IT TO BE REMOVED FROM MY REPORT WITH NO LUCK FROM ONE OR THE OTHER AGENCY WHO ALL BLAME IT ON XXXX XXXX WHO IN TURN STATE THAT THEY DID NOT SELL THIS INFO TO THE BUREAUS, AND BUREAUS STATE THEY GOT IT FROM EITHER XXXX XXXX OR FROM COURT, AND COURT STATES THEY DO NOT FURNISH NOR VERIFY NEITHER RESPOND TO CRAs ... where is the truth here ... .. IN A MEANWHILE MY PERSONAL CREDIT REPORT HAS SUFFERED A BIG DAMAGE, MY SCORES DROPPED I WAS DENIED CREDIT SEVERAL TIMES, A FEW OF MY PERSONAL CREDIT CARDS HAVE CLOSED DUE TO THIS ERRONEOUS PUBLIC RECORD REPORTING .... AND I CAN'T SEEM TO GET ANY ANSWERS, CORRECTION OR REMOVAL OF THIS FROM ANYONE. I JUST FILED MY COMPLAINT WITH FEDERAL TRADE COMISSION WHO ASSIGN A CASE NUBMER AND I'M SCHEDULED A FOLLOW WITH THEM, ACCORDINGLY I'M FILING MY COMPLAINT WITH YOU CFPB AND HOPE FOR THIS TO BE RESOLVED WITHOUT FURTHER LEGAL HASSLE In response to a recent Attorney General settlement, the National Credit Report Agencies are supposed to significantly reduce the amount of tax lien and civil judgment information found in consumer credit files byXX/XX/2017. 

XXXX XXXX XXXX
I purchased a set of appliances with Home Depot in XX/XX/XXXXand have yet to received any indication as to when will my merchandise be delivered. I specifically asked a sales representative in store about the items purchased before purchasing if the items were in stock. I was told that if the items were available online that it is and should be delivered within a couple of weeks. I was going to place the order in-store however there was a few people ahead of me there fore I placed the order online instead on XX/XX/XXXX. Today, I still have yet to receive any correspondence from HD however, I have already received a bill due by XX/XX/XXXX for a payment of the purchased I haven't even heard from. Called HD and no time specific on when will the items be available. This totally breaks the special financing offer they claim to have if they are starting financing from the date of purchase and not from the date the item was delivered. What if upon delivery some of the items were damaged? Do I have to wait longer and keep paying?
I started paying my students loans ( total balance $ XXXX-interest rate 7.125 % ) in 2008 upon graduating with a XXXX degree. I have paid {$14000.00} since 2008, with {$10000.00} towards interest and {$3500.00} towards principal balance. My loans were sold a couple times, ending with American Education Services ( AES ) as my most recent loan provider. I have had multiple conversations with AES over the years regarding public service loan forgiveness and Title 1 loan forgiveness. I am employed as a XXXX in an urban district. I was advised MULTIPLE times that I was on track for both loan forgiveness programs, with the AES representatives even stating the number of remaining payments I have left to reach 120 payments for public service loan forgiveness. Come to find out during a recent conversation with AES, that my loans are NOT eligible for forgiveness despite their advisement on multiple occasions that they are eligible. Essentially, they have been collecting my money and putting the majority of it towards interest and claiming I am halfway to forgiveness, only to find out that money is going towards nothing and I need to refinance my loans into a direct loan to be forgiven and need to restart the 120 payments. I feel misled and ill advised by professionals who should be helping me to pay off my student loans, rather than feed their bottom line.
I was approached though repeated phone calls for almost a year to refinance my home from Fifth Third Bank. I was initially offered a " special '' refinance product that would quickly and easily drop a percentage point from our present loan with them. After collecting information I was presented with a " better '' option to refinance both my primary and secondary mortgage with substantial savings. I did pursue this option. After signing " loan lock-in '' forms, the time expired. There was no delay in the process on my part, but on the part of Fifth Third bank. I was sent another " loan lock-in '' form post expiration of the initial forms. This new agreement had percentage points and other costs added, which would have amounted to thousands of dollars of added costs for the loan. The interest rate had not changed though and no contact or explanation was given as to the added costs. I believe that most people would not have noticed the added costs seemingly hidden or buried in the paperwork. My opinion is that Fifth Third bank preys on unsuspecting borrowers using tactics such as " bait and switch '' and " shell game '' tactics to entice borrowers, then increasing loan points and costs to the borrower without explanation. This seems to me a dishonest business practice. My wife and I have walked away from borrowing from Fifth Third for the reasons stated. I feel their practice may prey on less educated and other at risk borrowers. The public should be protected from such practices.
There are two reasons for my complaint today but the main one is the release of my retired father as my co-signer. Im XXXX and Ive made on time payments for years, never defaulted and they will not release him. Why was a govt contract given to Navient who has a reputation of ruining the lives of their customers. 7 years ago ( when i was with XXXX XXXX ) I made a payment on my account as normal and then was harassed with multiple calls a day saying I was default on payment. I explained I had paid and they said the payment was over two years late?! I asked how this possible and also how is the first time Ive heard of this since Ive been making my payments on time monthly all this time? Turns out 2 years prior, I didnt pay, even though their website said no payment was due. Ive found out this is more common than I thought. Many people have the same complaint. Release my father as co-signer.
This business calls me from XXXX to my work # about XXXX times a week. I have written records of date and time they called. One day I picked up the phone and the lady was very pushy in asking me personal information such as " verification '' of my address etc. She said I owe money to " her client '', but would not disclose the client. I said if they know my phone they must have my address, and to dispute any bills by mail. She sounded increasingly frustrated that I would not even hint my zipcode etc. 
From that point on I have been receiving robocall phone calls. They never leave a message, but if I pick up the robocall says my name ( incorrectly pronounced ) and says that this message is for me and if I continue listening to it I acknowledge myself. It then goes on to say to call them back at this number XXXX, and that they are Chase Receivables. I do not have any debts, and I never list my work phone # anywhere except insurances though my employer. This business is a phishing scam.
As of XX/XX/2017, I have attempted to access my Equifax Credit Report Security Freeze, on-line and through their toll free number. I have been unable to process my request beyond the initial information page ; which results in notices of Unable To Process Request, Page Not Available or Security PIN Invalid. When attempting to use hyperlink for Contact US, this results in Invalid Page error. When attempting to use toll free number, this results in Service Not Available notice, after all personal information has been entered. 

There is NO available means to resolve any of the concerns, as provided by Equifax since announcement of their Security Breach.
I was advised to contact you all regarding items on my credit that are not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 
XXXX XXXX XXXX XXXX ( XXXX : XXXX Transunion : XXXX ) XXXX XXXX ( XXXX : XXXX  Transunion : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX ( XXXX : XXXX XXXX   : XXXX Transunion : XXXX ) XXXX  XXXX XXXX  ( XXXX : XXXX ) XXXX XXXX   ( XXXX : XXXX ) XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ). 

Thank you for all your help with this.
Recently in wrote you and asked that you remove a delinquent account status and you replied that it is not reporting delinquent and that is far from the truth. I have enclosed proof of said account and ask that you correct the information on my report.
This is the second time I am filing a complaint. I have a XXXX School Loan. All my loans were consolidated into one singular loan. I have an automatic payment system set up that automatically withdraws money from my personnel account & applies funds to the account. All the credit companies ( Equifax, XXXX, and XXXX ) are doing two erroneous actions as follows : 1 ) They have charged me with a late payment that was paid on time in XXXX 2013 2 ) Instead of applying this incorrect late payment charge to XXXX account they have applied it to all the subaccounts that were already consolidated ( they even have the same account number )!!!! 
I am being prevented from getting any reasonable loans due to their disparaging reporting. At this point, especially as I have previously complained about their reporting methods in regards to this loan, I would state that these organizations are intentionally taking part in fraudulent & defaming actions, that are causing me great stress and anxiety. 
I would like all of these negative reports expunged from my records & I would like proof that they have taken action to have my XXXX XXXX XXXX XXXX XXXX that has been legally consolidated into XXXX single loan years ago, listed as XXXX loan.
Navient is impossible to contact, and very difficult to work with. Also, they constantly send me marketing materials trying to sell me stuff under the name XXXX. If I block those emails, then it blocks emails I need. 
This company is dreadful and I am fed-up with them. When I call, their automated system hangs up on me and it takes XXXX or more tries to get in a cue that then takes another 45 minutes wait time to speak with someone. When I get someone, it is typically the wrong someone, with a bad connection, XXXX, and I can not understand what they are saying. Disconnect and try again. I have spent countless hours trying to reach them and not getting simple problems resolved. 
They 've already made XXXX mistake and hurt my credit - which cost me on a mortgage loan that affects me for 30 years. 
I 'm sick of this company. I never signed on with them, but my loan was sold to them and now I have to spend way too much time dealing with a bunch of amateurs and not getting my problem solved.
I received a notice from CMRE Financial Services regarding a medical account on XXXX XXXX XXXX. The notice claims that XXXX XXXX attempted to collect an unpaid balance and has since forwarded the account for collections. This is absolutely false. I made payments arrangements with Phx Childrens and have made monthly payments as I agreed to. The collection agency now is demanding payment in full with interest plus additional charges. This is absolutely unacceptable. I have done what I agreed to with Phx Childrens and this account should NEVER have been to collections. PLUS, the amount stated owed is not accurate. I do not owe that amount. That claim is also false!
I am XXXX and have recently gotten into a financial bind. I have been using payday loans to the point to where it had to stop. I am going to use " Legal Advocates for XXXX and People with XXXX ''. They told me to stop payment on the payday loans and as soon as I could give them the 1st of 4 payments of {$62.00} totaling {$250.00} they would get started working with me. I went to my bank XXXX and had them to stop payment to CASHNETUSA, XXXX and XXXX. The money was still taken out of my account yesterday. I receive XXXX benefits of {$XXXX} every XXXX Wednesday of the month. XXXX sent an email stating that the amount they would take out was {$350.00} but actually took out {$330.00}. CASHNETUSA sent an email saying they were taking out {$740.00} for a line of credit of {$2000.00}. I told them I could not afford that so they changed it to {$240.00}. Well guess what!! They took out the {$740.00}. That left me with {$150.00} to last until I get my next XXXX check on XX/XX/2017. The bank refunded the charges for stopping payment but they said the reason the money came out any way was because the amounts were different than what the loan company told me. What is the world am I going to do now. I have bills to pay and ca n't pay them. Not being able to buy XXXX either. My Mom is XXXX and I ca n't even give her a gift. I called XXXX and explained the problem and they looked it up and told me to tell my bank to reject the money from being taken out and XXXX said they ca n't do that.
I have several collection accounts that have reported on my credit file that have been paid directly to the original creditor. The Credit reporting agency will not properly investigate and removed the item from my credit file.
Hello! Ive had an issue with XXXX XXXX for years now. When i first purchase the car everything was fine. The car was brand new and then i start having issues with a car with 8 miles on it leaver the dealership. I started having engine issues which turned out to be a recall defect. I spoke with the dealer who sold me the car and he told me to bring it back and XXXX XXXX the car out and send me paperwork. To find they never did that. Right after that my husband XXXX and we went overseas to XXXX so i was unable to call and check bt i sent multiple emails and no response. To find out the dealer took the car back and it was sold at auction. When we got back to the stated the dealer no longer works there and i called XXXX XXXX and no one was able to assist me. The car was sold at action and stated as a write off when i called cx service bt they want me to do a settlement. I explained that the car had a defect issue and it took it back to the dealer bt we soon went overseas. I have asked for contracts and proof of sale or anything from the dealership to clear my name bt was unable to provide. I disputed it and they took it off but reopened it like 2 months later and dropped my score tremendously. I have no car to show for it and cant get another one and its hurting me and taking a toll on my Health and family. I just want this car taken off my credit bc i was tricked into sending the car back because of a recall issue and the salesman XXXX me over and now Im paying for it and its on my credit as a repo and it was never a repo. He told me to bring it back and XXXX would pay it off for recall so i didnt want another car from them. Plus they closed and removed it then reopened my account on my score years after my car was gone. I am no longer responsible for this loan and the car is sold and they have gotten tax write offs for it. Please help me and the company is not sending any information to me and Ive wrote letters and getting a lawyer soon. Thank you. Please remove this from my credit report please
I received yesterday a notification from Movement Mortgage to myself and my XXXX yr old son that there has been a data breach and that our information has or might have been compromised. My problem with this is that neither my XXXXyr old son or myself have ever applied for a mortgage with Movement Mortgage. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have always done my mortgages thru my bank. I am very concerned that they have any information on me and extremely concerned that they have information on my XXXXyr old son.
I got a call from XXXX in XXXX, va who are collection on a debt I owed from a car down payment. When I told the rep I could n't pay the amount he wanted he told me he would just garnish me when I asked him was he a debt collector he told me no he was an attorney. When I called back I clearly got a pre recorded message stating they were a debt collector, in which I was never stated the mini Miranda when they called.
This debt is not mine i have asked numerous times it be deleted. Im harassed and my family. Says it was opened XXXX which is not true. {$1000.00}
I 'm currently upside down by XXXX-XXXX and unable to refinance and as of XX/XX/XXXX my mortgage payment will increase from XXXX to XXXX. Due to interest rate increase. I applied for a home modification or rate modification with my mortgage bank and they denied me. They stated that I should be able to make the new monthly payments based upon income and that they could not adjust my mortgage balance so that I could refinance. How can someone that 's living paycheck to paycheck take a major mortgage increase like that with no assistance options. I was told by chase to sale the home or give it back. I have never been late with my payments. I 'm just a single man struggling to keep a roof over me and my XXXX parent head. It 's sad that they want to throw us out into the street. Unfortunately I 'm in a area that has not recovered form the XX/XX/XXXX housing boom. I 'm still under water with no hope in sight due to the decline of the area. We the tax payers bail the BIG banks out all the time and it 's sad that they ca n't show a little compassion for the tax payers in their time of need.
Received approval for a mortgage loan with Quicken Loans ( Loan # XXXX ) and two days before closing my loan officer ( XXXX XXXX ) contacted me and said the loan was denied and I was not given a clear explanation. There was no communications from Quicken to suggests that my loan was not going to be approved. The only caveat Quicken asked was that I rent my existing property in order to qualify for the loan. I complied and provided Quicken with a copy of the lease agreement three weeks before closing. I was under the guise from my communications with the loan processor that the loan was approved given that Quicken had setup settlement date and was in communications with the settlement/Title company to close the loan. It was only until I received a telephone call from Quicken Loan two days before closing that they informed me that my loan was not approved. Quicken did not provide a clear response other than to question the integrity of my lease agreement. I find Quicken 's practice to be discriminatory in that I met all of their preexisting mortgage requirements to include providing them with a notarized lease agreement for my existing property which according to Quicken would qualify and approve me for the loan. That was the communications I received from my daily conversations with the loan processor. Again, it was only until 2-days before closing that they notified me that my loan had not been approved. Consequently, they had already setup a settlement date with the title company closing the loan. Both my real estate agent, title company the seller of the property I had intended to purchase were dismayed at this last minute decision. Again, my conversations with Quicken did not adequately provide an explanation other than to say my debit to income ratio did not meet their standards but this was not communicated to me throughout this loan process when started in XX/XX/XXXX. 

Secondly, Quicken initially offered me a pre-approval letter with an interest rate of 3.75 %. However, the rate increased to 4.125 % with no explanation provided. The process for this loan has been very disturbing and has left me without recourse other than to file this complaint with CFPB. 

If you require further information by email address : XXXX
I obtained a payoff amount ( through XX/XX/2018 ). Paid the amount through Bill Pay ( XX/XX/2018 ), ( same way I've paid every payment previously ). Those funds come out of my checking account immediately. Specialized Loan Servicing ( XXXX XXXX, CO XXXX ), returned the entire amount. Never notified me. Instead I received my next month 's statement ( reflecting no payment made ). It was then that I checked my checking account & saw they had returned the funds to my bank on XX/XX/2018. So, I sent another payment of the entire amount reflected on the statement (XX/XX/2018 ) & they just returned it. It's outrageous. These folks won't let me payoff this mortgage.

I believe they hate losing a client who has paid off their mortgage & want to continue to charge interest. It is obvious to everybody that Bill Pay only issues payments where the funds have already been drawn ( good float for banks ). Therefore, the mortgage company has no risk by applying the funds.

BillPay should be no different than a wire or bank funds, because, they ARE bank funds.
Two items that on my Experian report is in collection when I have two documentation that one item XXXX XXXX was settled but still show negative on my report which should be in positive status, and paid for deletion removal letter from XXXX which also still show negative in collection. XXXX and XXXX remove both of these items, so I do not know why Experian will not update this information as all three credit bureau should be working hand in hand.
My credit card company will not acknowledge payments I have made and will not refund my payment. I have sent proof of payment several times but they keep imposing late charges on debt I have paid and do not owe.
Dear Representative, First, I have been charged three late fee payments when my account has had automatic payments from my checking account for many many many years, and no one from CapitalOne has contacted me regarding this matter. 

Second, the current charges outstanding in the account were disputed as the card was lost, a dispute was filed for those charges on the phone, and a paper dispute was sent by me via USPS mail as requested by the card company. 

Third, the account was closed without contacting me and without giving me a reason. 

Lastly, negative information has been reported in regards to the issues mentioned above to the credit reporting agencies, affecting my credit information due to this inaccurate information.