WillisBack/dataset-financial-user-claim huggingface dataset:
Early  XXXX   XXXX ,  2016, I rec eived a letter from my mortgage company, Everbank, stating that our condominium association 's flood insurance was deficient and that I needed to increase it by {$28000.00} in order to be in compliance. After a few hours worth of phone conversations with the bank later, I was able to find out that although FEMA only requires flood insurance coverage for 80 % of the valuation of the building, and even though my current coverage was/is at 100 % of the valuation that our current flood insurance company is placing on the building, {$860000.00}, they are demanding 100 % based on a higher valuation, {$980000.00}, from a different type of insurance ( i.e., hazard insurance ) that we currently own. On  X/X/2016   , I sent a letter  (  attached ) requesting from the mortgage company documentation ( statuary or contractual ) that justifies their demand but all I have received is documentation that states that per FEMA, we need to have flood insurance ( which, as stated earlier, we already do ... at 100 % coverage ) and some calculation worksheet ( neither addressed the request for justification in demanding a valuation different from the flood insurance carrier 's ). This was followed by a force-placement of flood insurance of their choosing covering the alleged gap.   In parallel to this, I have been trying to get a quote from various insurance companies but have not been able to.  One of t hose insurance companies is our current building flood insurance carrier. The challenge there has been that  our current carrier is requirin g justification for the increased valuation as well. As I stated earlier, I have requested this justification from the mo rtgage carrier but in lieu  of that, I have been force-placed a flood insurance of their choosing. On  X/XX/2016   , one day after receiving notice of the bank 's disappointing decision to force-place coverage above and beyond 100 % without even acknowledging my request for justification, I have followed up with another call to request the justification required by my flood insurance carrier. They have advised me to call back in 15 days with no promise that they will have the required documentation then.     This is a very difficult situation because : a ) I do n't see the justification for this increased coverage when the *flood* insurance company is actually valuing our home at the amount that we currently have 100 % coverage.    b ) Said ju stification is actually required by our flood insurance company to even provide a quote much less coverage for the alleged deficiency.   c ) I live on the   XXXX   floor of a  XXXX  -story bui lding. Even if the flood waters reached the top of my building, the 80 % that FEMA requires would more that suffice for replacement costs. However, we are above and beyond that at 100 % of the current valuation. But the mortgage company is not satisfied with that and have effectively put a very tough, unexpected ( at the time of loan-signing ) financial burden on me.
I'm a XXXX  student who has been a lender with U.S. Department of Education for several years. This month I was unable to get funds because, upon checking my credit history with Equifax, U.S. Dept of Education received a response that I have no file existing. 
I mailed Equifax a package of my identity documents ( passport photo page, front of social security card, copy of a current lease and the certificate of a recent name change ) and still received a reply that I have no credit history with them. I know XXXX XXXX, with whom I carry an account, reports to Equifax. I have a credit score with XXXX  and XXXX. 
I had a legal name change in XX/XX/2018 upon gaining US citizenship ; I updated my social security account and also mailed Equifax a court order of name change, to facilitate the search for my file. 
I'd like to resolve the issue as soon as possible because my current academic enrollment is in jeopardy.
While reviewing my XXXX credit report of XXXX/XXXX/2015 and XXXX of XXXX/XXXX/2015, I discovered that AMERICAN EXPRESS employees had initiated an unauthorized and fraudulent inquiries into my credit report. I did not at any time relevant period authorize or consent for this review by the employees of AMEX. I request that AMEX provide me with any hard/verifiable evidence of my consent to this review. To this extent, absent my authorization, AMEX employees action ( s ) constitute a clear violation of my Privacy Rights and FCRA Section 1681 b ( c ).
On XX/XX/XXXX, I deposited a check for {$100.00} ( # XXXX ) drawn on XXXX XXXX to my Bank of America checking account - account # XXXX. The receipt stated that funds would be held until XX/XX/XXXX. The funds were available in my XXXX account because I received my paycheck by direct deposit in the amount of {$2400.00} on XX/XX/XXXX ( see attached document from XXXX XXXX   showing the direct deposit ). 

The deposited check cleared on XX/XX/XXXX ( see attached photo of the cancelled check ). I called Bank of America on XX/XX/XXXX to explain that the check cleared and ask them to release the funds. After being on hold for 20 minutes, a Bank of America rep took my call. The rep stated that despite the check clearing on my XXXX account, the funds still would not be released until XX/XX/XXXX. 

When I asked to speak to a supervisor, I was told that the supervisor was busy with another customer. 

I have been a customer with Bank of America for 16 years and my account is in good standing. There is no reason for funds to be held for 14 days.
In XXXX of XXXX - during a mortgage refinancing effort - I discovered on my credit report an unpaid claim of {$490.00} for a medical debt reported by XXXX XXXX XXXX. No attempts to collect this debt were sent to me at my address ( since XXXX XXXX ) so I had no knowledge of this claim. After following up with the debt collector, it was determined that it was from a XXXX XXXX XXXX from XXXX XXXX XXXX, associated with the XXXX XXXX XXXX XXXX XXXX for a visit on XXXX/XXXX/XXXX. I did not see any doctors at this practice at this time and was able to determine that this doctor was n't associated with this practice. The hospital could provide no more information on this charge. I disputed this with all three credit bureaus and they determined this to be fraudulent and removed it from my credit report. I just now ( XXXX XXXX ) discovered that the same charge appeared back on the XXXX and XXXX  reports under a NEW claim number. When I called the credit bureaus they said they did not reject this claim because it was under a NEW claim number so it APPEARED TO THEM AS A NEW DEBT COLLECTION ISSUE. I am presently disputing the charge again. I also called the debt collection agency - XXXX XXXX XXXX - to resolve this issue. The person who took my call, refused to acknowledge that this claim had been resolved as fraud and refused to acknowledge that it had been submitted under a new claim number. They did tell me the detail of the reported debt ( XXXX XXXX, XXXX XXXX, {$490.00} ) which then confirmed that it was, in fact, the same fraudulent debt that was disputed in XXXX XXXX.
I forwarded a letter to Experian dated XX/XX/18 ( certified mail ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX regarding an inaccuracy in their reporting, regarding entrie ( s ) being reported for a DISCHARGED CHXXXX and DIMISSED/CLOSED CHXXXX ( listed twice on my report ). Experian hasn't responded in a timely manner to my initial letter and have now violated federal law and also have failed to provide me with a copy of any VIABLE EVIDENCE or METHOD OF VERIFICATION. Experian is in non-compliance by not properly investigating within the required timeframe or marking the items disputed on my credit report. I demand the items be immediately removed from my credit report. Any other action ( or inaction ) on behalf of Experian may result in smalls claims action.
I have been contacted in writing by a company named Windham Professionals stating that I will be garnished effective XXXX XXXX for federal student loans that are either in repayment with XXXX or that I do not owe. In addition ; on researching the Company they have numerous complaints regarding their collection practices ; and are not approved by XXXX. I am unable to upload documents for this complaint ; but I can fax or mail all documents from XXXX ; and Department of Education to substaniate my claim
I received an email this morning from the loan servicer ( XXXX XXXX ) that my account was past due and I owe them {$2200.00}. I have not missed any payments and have proof that all my payments have been processed via ACH on time since I signed the payment plan agreement. Their website says the account is paid in full, though I should owe {$2000.00} right now per the payment agreement. I called their customer service number and they don't know why the account shows as paid in full ( when I should owe {$2000.00} ), or why I received that email ( which originated from XXXX email domain ). 

Attached are screenshots of the email I received, my payment history for the account, the paid in full message, and a PDF of the payment plan agreement I signed over the summer.
SYNCB/Chevron reports acct # XXXX as a charge off/bad debt on my XXXX and XXXX credit report. I have sent 2 certified letters on XXXX/XXXX/XXXX that was Chevron recieved on XXXX/XXXX/XXXX, requesting a validation of debt. Chevron was unable to provide a validation of debt, bearing my signature sealing a contract between myself and Chevron. However, Chevron marked the debt as in dispute. On XXXX/XXXX/XXXX, I sent another certified letter that was received on XXXX/XXXX/XXXX, requesting again for a validation of debt. Chevron, again failed to provide a validation of debt bearing my signature. I 've asked repeatedly that Chevron remove it 's remark on my credit report but Chevron has failed to do so.
I was forced to ride in an ambulance when I was in a stable condition to drive to the hospital I was forced to go to, they made me have tests run after I asked for a form to leave and that if they kept me I would lose my job, which along with made me lose my insurance coverage to cover the overpriced medical attention I did not require. I was forced into summit ridge for 6 days and was terminated from my job for absence even with proof of medical reasons and they did n't try to ever collect their money until AFTER I had lost my job and insurance.
XXXX XXXX has 4 accounts in which they receive 6 payments every month. 1 account has been receiving far too much money resulting in over-payment of {$1300.00}, while another account receives no payments. I have alerted XXXX XXXX  of the issue and told them that they need to reapply the money to the account that was overpaid to the account that was not receiving the proper payment. We have all the supporting documents from my Bank bill pay and they are willing to send them documents dating as far back as three years ago. We have called and spoken with several XXXX XXXX representatives and they have stated they were aware of the issue and that was a problem on their end and that they would fix it. However it has been a month and they have not fixed the issue nor called me back about it, and they absolutely refuse to send an email so that I may have further evidence on their statements.
I received a copy of my credit report XX/XX/XXXX and realized that there were a few mistakes One in particular from XXXX XXXX who has reported that there was a late payment XX/XX/XXXX. 

1 ) I contacted first progress in XX/XX/XXXX and XX/XX/XXXX via phone and was told I must take up the matter with the bureaus and was not able to get an explanation or additional information 2 ) I Disputed this late payment via certified mail to all 3 credit bureaus in XX/XX/XXXX. It has been over 30 days and have not received any correspondence thus far.
I defaulted on my loan and they tried cashing the check for the full amount after I had already paid part of my balance down and my bank will not cash it if the money is not there. I get hit with non sufficient funds fees every time losing XXXX dollars everytime. Making it harder for me to repay them back. I have XXXX loans out one at XXXX and one at Advance America. I will never be able to pay them back if I continue to lose money for NSF fees on top of the ridiculous fee for taking the loans in the first place to repay back.
NCB management services has already been reported more than once, I continue to receive fraudulent calls from this company at my place of business. They are calling me multiple times a day on my business line. I never gave this company my employment phone line. Which I use strictly for business purposes. Not only are they harassing me at my job, but they are impeding my work. I use my work for to make outbound calls to make a living. This company has resorted to calling the receptionist harassing them, calling my extension. Calling my parents, this is all hours of the day. The company had already been advised I never opened any accounts with this company. This was a result of identity theft. I didnt authorize any accounts through them. They already have been sent an identity theft affidavit. They chose to ignore all my law enforcement documentation. Instead attempted to state they sent me documentation that once again never got sent. This account is identity theft. The account they are claiming received the money was also closed due to identity theft. Clearly this is fraud, the harassment on my business line prevents me from completing my job. They are not authorized to contact me or my employer any further.
I reported to American Express Bluebird card services that XXXX had kept charging me erroneously for an Audible book club membership which I did not want, nor had requested but XXXX kept charging ANY card I had registered in my Prime account. After reporting this to XXXX, instead of assisting me, they cancelled my XXXX card, closed my account, and have since barred me from ever having another prepaid card with them! I do not think this is fair to me since I did not even realize XXXX was charging me for Audible until I reviewed my account with a financial planner and they asked me about the charges. I told XXXX the charges were never authorized and that I never requested an Audible account. I have called American Express twice on this matter, the last time today, when the account representative transferred me to an account recovery representative and she refused to let me speak to her supervisor, she just kept repeating over and over that a supervisor would not help me and the block will not be removed. She finally agreed to transfer me after I kept asking and asking but then all she transferred me to was hold music and no supervisor ever came to the phone. I was holding for over XXXX minutes when I finally hung up! I am shocked because American Express has never treated me with this kind of disrespect and would not even hear my side of the story. I am appalled!
A co-worker wanted me to co sign for a loan so we went in to Wells Fargo where we both bank, my co-worker had already spoke with a personal banker which explained to him the whole process. That day she asked us for all the requirements, I told the banker I was in a hurry and my time was limited. So I told her let me now when I can leave, I 'll sign what I need to and my co-worker can finish the process. While we waited for the loan approval she asked if I was interested in a credit card she did n't explain much all she said is that it was 15 months 0 interest, so I told her again that I had an appointment that maybe another day she can give me all the details about the credit card. after that we did n't discuss anything about the credit card. Once approved for the loan she handed each of us a copy of what we had signed for the personal loan, I went on my way and my co-worker stayed to receive the loan. About a week after I received in the mail XXXX credit cards XXXX for my co-worker and XXXX for me, I was shocked to when I opened the envelope. I looked for the copies that the banker had gave me but nothing showed that I had signed for a credit card. I waited about XXXX weeks, never activated the credit cards went in to the same bank to explain what had happened. Once the banker went over the credit card details I told her I would keep it only if I could remove my co-worker from the credit card and still keep the 15 moths 0 interest. She made some calls to see what she could do, she said that in order for me to keep the credit card I had to close the account and re-apply on my own. Even though I had not even applied for it to begin with. that would require running my credit again. She promised to give me 15 months 0 interest she even put notes on her computer stating that she had called credit services and they would honor my request. 
well that was not true, when I activated my new card I called to verify the interest. They ran my credit for nothing, it was just a waste of my time, I went in to the bank a few times to solve that. A banker told me I would get a response within 10 days its been about 20 days I 've never received a call regarding that incident. I want my credit restored and the can keep their credit card.
My name is XXXX XXXX and I am the resident and owner at XXXX XXXX XXXX, XXXX NH XXXX. I entered into a closed-end motor vehicle lease agreement with XXXX XXXX being located at XXXX XXXX XXXX in XXXX NH XXXX on XXXX XXXX XXXX. The deal number for the agreement being XXXX. The contract was amended by XXXX XXXX on para XXXX ( k ) such an amendment was not ratified by me. A representative of the XXXX XXXX ratified /amended the contract unilaterally without my knowledge and approval.
I was advised to contact you all regarding items on my credit that is 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 this item off my credit report so I can move on with my life. 1. XXXX XXXX ( XXXX  and Equifax )
I am a victim of identity theft and XXXX personal loan accounts is listed on my Trans Union, XXXX and XXXX credit report that 's fraudulent, unauthorized and do n't belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, Loan Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, Loan Account Number : XXXX  XXXX
My Lending club loan is due on the XXXX of every month. I paid the loan in XXXX installments during the month of XXXX. Lending club said I owed them money because my payment was not paid in full. I called Lending Club and they stated since the loan was in two payments and before the due date they applied the earlier payment to the principal. Lending Club stated that they could not reverse the payment and now I had to pay the balance from the previous month as well as the current balance. I asked if the had any payment plans and Lending Club stated they could not provide me with any payment arrangements and {$480.00} will be due on XXXX XXXX.
I was attempting to deposit a check using the deposit a check feature offered by financial institution XXXX XXXX but provided by XXXX. I keep getting an error that XXXX XXXX is unable to verify my identity. I contacted support by phone who transferred me to XXXX XXXX who is telling me they are unable to fix the issue and there is nothing I can do. The automated system says my account has been closed and it does not even have the correct birthday for me in the system! I am unable to add money to my bank account so that I can pay bills and use other features offered. They are refusing to resolve the incorrect information in their system I have only attempted to use the check deposit feature one time to deposit a government issued check. I have called and emailed support who has been unwilling to resolve the issue.
> On XXXX XXXX XXXX - I transfered XXXX from my bank account to my coinbase account as a test to see if it works like it should. 

Before that I have already made a verification with my XXXX ID card. 
The automatisms or robots which should recognize my incredentials seemed to have recognized my personal data ( " name '' etc. ) correctly. 

> So on XXXX of XXXX XXXX - I transfered XXXX from my bank account to my coinbase account. 
This time during the process I even was asked if my " name '' would be the same like in the personal data fields of my coinbase account. ( popup ) > So I hoped since the first amount was transfered withing 6-12 hours, that the second attempt would also succeed. 

-- -- -- -- -- -- -- -- -- -- -- -- > Then the " dilemma '' started : Since I only wanted to use the coinbase only to transfer my money to it and do my crypto currency buys on the gdax platform ( with lower fees ) I tried to login there. 
But suddelny I had to re-verify my identity with another official document like a drivers license. So I did that. ( XXXX ) > On gdax I got a message popup stating something like : name field etc. can not be empty ... 

But the consequence was, that the automatisms or robots or whatever automatically changed my " name '' to nonsense. And I could not just change it back. 
( suddenly in the fields of my account within coinbase and also gdax ( which is actualy the same company ) was changed to " XXXX '' and " my state of birth '' ) ( thats what I call bad dysfunctional unlogic programming ) If that has been done intentionally it must be scam. 
If that has been done accidentally it must be irresponsible fly by night. 

Sorry guys, but it just looks like a perfect GREEDY T R A P. 
Computers dont make mistakes. People behind computer screens make mistakes. 

WITHIN COMPUTERS THERES NO MAYBE ONLY YES AND NO! 

Its also not logic that the system cant identify my perfectly photographed brandnew ID card. ( since it already has worked weeks before ) > I got the info somewhere, that I would just have to re-verify with my ID card, but that seems impossible, since I tried more than 10 times. 
I always got back a message that I couldnt be verified ... 
When I try again I get informed that I need to wait for 24 hours. ( XXXX ) > That is all pure irony, since I already had succesfully verified my identity a month ago. 

> Fact is : The second amount I transfered will not be assigned to " my '' account since the " name '' in the personal data fields is not correct because it has been currupted by a dysfunctional unlogic process, which is not in my power and responsibility. 

And that is a NO GO! 

> Now I can only wait and hope that I get my money back somehow. 
Since the service is not available I do not really have any hopes. 
To this time on coinbase there is no real service available. 
U cant call anyone. 
And even if my emails or tickets ever get read, ... 
The service people are probably not able to just change back my personal data ( name ) to what it was before > I loose money every second I cant controle my money no matter if its crypto or fiat. 

I take this really personal.
On XX/XX/2018 I disputed the validity of a information being reported on my credit XXXX XXXX file from Professional Bureau of C stating that I still owe {$5700.00} on a Auto Loan owned with XXXX XXXX XXXX. This information is incorrect and I do not still owe either company because the account was paid in full through by bankruptcy filings. I would like this negative information removed immediately from my XXXX credit file as it is negatively affecting my credit and my ability to purchase a new vehicle
changing our mortgage payment from {$980.00} to {$1200.00} a month. Lied about taxes and insurance premiums.
the debt collector calls my employer XXXX times a day and then he calls all my neighbors and defaming me