WillisBack/dataset-financial-user-claim huggingface dataset:
Included my mortgage in bankruptcy chapter XXXX in XXXX of XX/XX/2008. Sent paperwork to Ocwen showing this was included. This was a joint account with my former husband. They are reporting my account late every month and XXXX days late. This should not be reported at all. It is due to come off my reports in XXXX but this has caused me hardship on my credit file. They have n't to my paperwork or acknowledge it since I sent it in to them. Please help me. This is against the stay of the bankruptcy courts.
Can you reach out to @ XXXX and make sure they have my transaction data on time. That would help me so much, @ askRegions
Purchased a sofa and love seat, and a bunk bed set from XXXX XXXX XXXX XXXX. Upon delivery we found the item not to be as described and expected. The furniture was advertised as having removable cushions and wooden legs. The cushions were sewn in and had ugly plastic legs. The top of the bunk bed set and the bottom of the bunk bed would not fit together. We contacted the store and attempted to resolve the matter. They did nothing about the sofa and love seat but brought us another bottom bunk bed. Upon assembling it we learned that while it fit together, it was XXXX different colors and did not match. We again contacted the store numerous times and they did not contact us back or return any phone calls. We filed a dispute with Bank of America and right off it was denied. We questioned this and was told told they did not get certain info which they had. We sent in more. It was denied again. They said the receipt was not detailed enough. We had sent in the receipt that the store gave us. We did not understand why we were being punished because of the type of receipt the store issued. We questioned it and were told that they would look into it. Got a letter denying the claim. Never specifying exactly why. Just that it was. Spent months dealing with this and still do n't know exactly what, if anything Bank of America did in an attempt to investigate the dispute and exactly what we received. What we purchased and what was actually delivered was not the same. Not even close. And as far as I can tell they never did anything to determine this.
Friday, XX/XX/2018, I received a deposit/credit from a merchant for {$35.00}. Navy Federal transferred that money from my checking account to one of my credit cards, without my permission. I am days behind on the card, but blocking me away from my  checking account is absurd, especially this being my first time. I haven't had any income for months now and I tried to get help before it got to this.
Several times this company has called me on attempts to collect a debt that I have never heard of. I asked them to please send proof that it is me who requested the loan. They will not send proof and keep calling me.
I have been behind on my vehicle payments a couple of months and trying to make arrangements. I explained my situation of switching jobs and being a victim of XXXX which led to a custody battle that led to me having to come out of pocket for attorney fees. I advised a representative I could not follow through with the arrangement at the end of the month as my rent is due which is first priority, he asked me was I behind on my rent by 60 days and I could not afford to not follow through the arrangement and make the payment I agreed to pay 48 hours before the payment was to be drafted. They failed to cancel the payment from my account which is going to result in a non-suffient funds fee.
I have filed disputes with Transunion and XXXX 30-45 days ago concerning this and to this day, It is yet to be corrected. The balance on my reports is showing that I owe {$19000.00} for Child Support. This is untrue. I have called and spoke to representatives at Child Support and that informed me on how much I owe and It is WAYYYYYYYY far from the amount that they have on my credit reports. The Child Support office informed me to dispute this on the reports. Which I have, but I have yet to hear anything from them. They are showing late payments and all. This incorrect information on my reports is causing me not to be able to secure financial security that I would like to purchase my family a home. Please I need someone to get this incorrect information off my report asap.
Greetings, On XX/XX/2016 there was an issue with my autopay and it debited me for double my mortgage payment. This was my fault admittedly as I apparently inputted into the wrong autopay field. I called Franklin American and was told that it would be wired back to my account. This did n't happen for days. I called back a week later and was told the same thing and that it it would then be resolved. That never happened. I called again and was told that it had to now be mailed to me. I agreed to that and never received it. I called again and they said it would be overnighted and I did finally receive it several days later by regular mail on XX/XX/XXXX. Since then I 've been haggling with my bank about all the bank fees I 've received since then and was instructed it is the obligation of Franklin American to refund me those fees. 

This has been extremely frustrating and has cost me a great deal of money. I need this resolved immediately.
XXXX XXXX XX/XX/XXXX XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX - XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX  XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 
This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 
This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX - XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

I didn't authorize the following companies to pull my credit report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
I initiated papers to have a direct transfer from Wells Fargo to XXXX XXXX XXXX of a Roth IRA, account # XXXX. Supposedly the IRA transfer office in XXXX XXXX, SD transferred the funds by mail on XXXX/XXXX/2017. After 1 month and the funds not being received by XXXX, I sent stop payment papers to Wells Fargo in S.D. and although XXXX XXXX says the papers were delivered XXXX/XXXX/17 @ XXXX, Wells Fargo said they never received them. On Thursday, XXXX/XXXX/17 The local branch of Wells Fargo faxed the papers and on Friday they said they received them but it would take 3-5 business days for them to stop payment and another 90 days for them to re-issue a new check. Given that XXXX never received the funds in the first place and Wells Fargo claims they never received the stop payment papers delivered by XXXX XXXX, the 90 day waiting period, I am concerned I will never receive my funds.
A debt collection agency called Convergent on XXXX XXXX 's behalf sent a letter to my address, addressed to someone else indicating monies owed. When I contacted Convergent they stated my social security number was used in opening an account with XXXX XXXX. Convergent directed me to contact XXXX XXXX directly, which I did. XXXX XXXX confirmed that the delinquent account was opened with my social security number. XXXX XXXX told me I need to sign an affidavit indicating my social security was fraudulently used via identity theft. It should be their responsibility to confirm accuracy of any information provided to them when opening accounts. <P/>Letter dated X/X/17 seeking amount owed {$810.00} and total balance of {$810.00} XXXX account # on letter : XXXX Connvergent Account # on letter : XXXX
On XX/XX/2017 we received a Notice of Servicing Transfer for account # XXXX from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX, with an effective date of XX/XX/2017. Per the law our present servicer ( Beneficial ) is required to send a notice at least 15 days before the effective date of transfer or closing. Given the time it takes to send and receive mail, we did not receive this notification until XX/XX/2017. Therefore, Beneficial failed to meet the time requirement of 15 days per the law. Therefore, the notice of servicing transfer for account # XXXX should be null and void and Beneficial should be fined the appropriate fine as per the law.
I was recently decline for a credit application. I was going over my file seen addresses that are not mine on my file.My name is XXXX XXXX XXXX. XXXX XXXX is NOT my name please remove any varitions. My current address is XXXX XXXX XXXX XXXX OH XXXX. I have attached a copy of my IRS letter as proof of my address. 
The follow addresses are not mine please delete them they are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have two account the I have never done business with on my report as well XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX Please delete these items they are not mines. I have no record of doing busness with them.
XX/XX/XXXX- Our company was notified of two different account closings as of XX/XX/XXXX and XX/XX/XXXX ( Debits to account amounted to {$14000.00} and {$16000.00} ) when our employee went into the branch to cash check. He was informed the bank had closed the accounts upon learning of account activity, and we would need to call the XXXX XXXX XXXX at XXXX to inquire. 

Our corporate office called the above number ( a bank call center ) 6 times in a 2-week span to inquire as to the location of funds and was told each time that they could not give us any additional information regarding the missing funds and that, in fact, there is no XXXX XXXX XXXX. We were then instructed to send a letter to the Customer Service location at XXXX XXXX XXXX XXXX XXXX XXXX, TX, which we have now done twice, on XX/XX/XXXX and again on XX/XX/XXXX 
As of XX/XX/XXXX, have not received these funds, or received any additional information from the bank regarding the status and location of our money.
My online bank sent two payments to chase for a large sum of money on XX/XX/XXXX and XX/XX/XXXX. After being unable to resolve this with my bank, I realized that I needed to get chase to electronically refund the money. On XX/XX/18 and XX/XX/XXXX we spoke to XXXX and XXXX and XXXX who assured us that the information sent would be good but we would have to wait 3-5 calendar days. XXXX on XX/XX/XXXX said he would call back to make sure everything was ok, he never called. On Monday XX/XX/XXXX we spoke to XXXX who said that our payment was processing. He even gave a time of XXXX XXXX but we needed to wait 3-5 days. Wednesday, XXXX from Chase said that we were given an incorrect time frame and we would have to wait 30 days. She asked us to hold and came back and said she was incorrect and said it would be 3-5 days from Monday and to wait until Friday. Friday XX/XX/XXXX we spoke to XXXX who was great and actually the only one who called back because she realized that we had a serious issue. She transferred us to XXXX who told us that we needed more information which we promptly faxed to them. He said it would be 3-5 days. The following week was filled with more 2 hour phone calls and incorrect information. Chase informed me on Wednesday XX/XX/XXXX that it would be 30 days. What?? They had an extra payment and wouldn't return my money and actually stalled for two weeks. On Friday XX/XX/XXXX we reached XXXX who finally sent the information on to their back office and we received a phone call back saying that the information was sufficient and they would refund my money within 3-5 days. After multiple phone calls over a period of two and a half weeks that totaled over 25 hours I finally received my money. It is shameful that Chase held a large sum of money and had no pathways to help to resolve the issue in a timely manner. The majority of the payment specialist did not care to help me and incorrect information was given multiple times. Each phone call lasted over 90 minutes some over 3 hours. Chase 's customer service is really horrible. Thankfully, my personal banker helped me with these phone calls and I was able to get my money back. Had I not had him, I believe that this issue would not have been resolved.
Purchased a Certified PreOwned 2018 XXXX XXXX from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX on Monday, XX/XX/2018. During the negotiation process the Finance Manager " XXXX '' verbally relayed to me that my monthly installments would be {$450.00} for a 72 month term, after I verbally agreed to the price I was handed over to another individual ( I dont recall his name ) to do all of the necessary paperwork. During this process I was offered GAP insurance which I declined after being asked a couple times. Next I was offered a Paint and Interior protection for my car called " Xzilon '' which I also declined a couple of times, but the individual was very persistent in persuading me to get this ad-on. Finally after telling me that the " Xzillon '' add on would only be an extra {$3.00} a month bringing my installments to {$450.00} I verbally agreed to the add on. After finishing my paperwork, I was told that my car would not be ready the same day nor was I able to see the car. I was told the car would be available the next day XX/XX/XXXX around XXXX. I was given a loaner car but was not given my paperwork for my car I purchased. The next day on XX/XX/XXXX I picked up the car around XXXX and was given my paperwork in a sealed envelope. When I arrived home I opened up my contract and realized that I had been given false information about my initial loan installment.The actual monthly installment I was approved for through my bank was for {$430.00} a month w/. 3.19 % interest. I was never told by XXXX about the {$430.00} installment only the inflated + {$25.00} amount of {$450.00}. I feel this was an underhand sales tactic with the assumption that I would accept one of the add ons. Instead of the Xzilon being {$3.00} extra a month it was actually {$25.00} over the entire 72 months of the loan which I would have never agreed too. This added an extra {$1800.00} to my loan as opposed to {$210.00} ( $ 3 monthly ). I emailed and text the salesman the next day who referred me to the Finance Manager. On numerous attempts I called and emailed both the Finance Manager and the General Manager and either was told they were off or not available. Finally I received a call on Saturday XXXX, XXXX 5 days later and spoke with a gentleman by the name of XXXX XXXX. I explained the situation to him and he replied that " he would see what he could do, but the paperwork had already been submitted to my bank ''. I explained that I had been trying to reach someone since the XXXX but no one had replied. I called the bank that I was financed through to get some advice and they advised that I have the dealer to simply cancel the contract and resubmit the contract with the correct payment amount. I have not heard back from XXXX XXXX since our conversation. I have not had the Xzilon installed on my car as I was told this would be done at a later time.
XXXX XXXX, XXXX, EXPERIAN RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ran an unauthorized credit inquiry on me on or around XX/XX/2017.I never give written, oral or signature to authorized such a transaction. 
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence.

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], In addition, as part of your investigation, I am not understanding how these dealerships have salesmen that outright lie and misrepresent a potential customer or client. I was totally unaware that this gentlemen had done this to my credit.

I have another request that I would like to be honored for exclusion / early deletion for the inquiries that are with my permission and I due to fall off in a few weeks. I humbly ask to have XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX If you have any questions or need additional information, please contact me at address listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Phone XXXX Thank you. 

Sincerely, XXXX XXXX
I am a XXXX at same time, so we are so busy. And this company/debt collection calling looking for someone who never been a part or employee at this place at any time. I told them to stop calling, this is a XXXX, and I can not entertain them because we are so busy. They still keep calling ... And I called them back and told them to stop harassment, the lady/operator said is not a harassment and they need to resolve theirs issues ... which I have no connections to.
I was told that What they had was accurate when i never made thise inquiries and the false address wad never removed. I have never been to Arizona so I know I should n't have an address there. The numerous inquiries made by multiple agencies wo n't be removed. Also late fees for things that are inaccurate.
They have called my phone numerous times at XXXX. I have notified them several times that I live on the east coast.
In XXXX XXXX we were contacted by GMAC and asked if we were willing to refinance our home mortgage. The mortgage offered by GMAC was a no-appraisal required, no-income verification loan. After research and finding that this was n't a scam and being in a declining financial situation we decided to do the refinance. This process began in XXXX XXXX and was dragged out until XXXX XXXX. We did not realize and were not offered a principal modification mortgage by GMAC. After having a business failure in XXXX XXXX we found ourselves in a situation where we were seeking help with our mortgage and realized that by taking 24 months to refinance our mortgage, and the shut-off date of XXXX XXXX, XXXX for a principal modification mortgage under XXXX had been denied principal modification loan assistance because of the 24 month time frame it took to refinance our mortgage. The only difference between our current mortgage and our previous mortgage is the date and the loan number have been changed. It appears that by dragging out for 24 months our loan refinance that it now allows XXXX, GMAC and XXXX to deny a loan modification. Having the ability to look back at this transaction it appears that numerous violations of predatory lending have denied our right to seek assistance under the XXXX program. We have again been denied assistance by Ocwen, who is acting as a debt collector for GMAC, and have not been able to discuss this situation with GMAC management. We deeply appreciate anything you can do to assist us and at this point it will make a difference of us losing our home.
Received correspondence today XX/XX/18 that my home ( XXXX XXXX XXXX XXXX, XXXX PA XXXX has foreclosure sale date of XX/XX/18. Wels Fargo Home Mortgage did not notify me of this action and im only outstanding for 2 Months payment. This is a shocker, because I made payments totaling $ XXXX months of XXXX and XXXX notwithstanding being unemployed, and monthly payment is $ XXXX/month. I have been in correspondence with them and no one informed me of such action
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your  authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Equifax and XXXX refuses to delete duplicate information on my credit report after being provided proof.
I sent payment for a bill via mail when I called to inquiry why payment had not been applied I was informed that I had post dated my check for the month of may. I informed the rep that was incorrect and the payment was to be applied XXXX/XXXX/16 ; I authorized them to change the date if incorrect and withdraw payment of {$90.00} listed on check. At the time I was offered to also set up payment for the remaining balance, I inquired if this would incurr a fee because payment over the phone stated it had a fee? I was informed by their employee that since they had the information and were processing a payment, the administrative fee would be waived. I asked again if she was sure of the procedure because I understood there was a {$9.00} administrative fee otherwise I would just mail a check. I was assured that would not occur. Upon checking my financial balance I noticed an electronic check withdrawl for a {$99.00} fee. I immediately called and spoke to a supervisor and was told that was incorrect, he had to check the tapes of the conversation. I would be refunded my {$9.00} but he was unaware of when that would happen. It may take time for them to return my money that I did not agree to have them withdraw.