WillisBack/dataset-financial-user-claim huggingface dataset:
On or about the beginning of XX/XX/2018 I was searching for loan companies to refinance my home to cash out about $ XXXX.After speaking with XXXX XXXX, XXXX XXXX and other financial entities, I contacted XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ga # XXXX and Mrs.XXXX XXXX Sr Mortgage specialist lead me to believe I needed to go no further XXXX would and could complete my loan needs in 21 days.Mrs.XXXX had me to completed my loan application and also pay almost {$500.00} for an appraisal of my home, then about two weeks later Mrs.XXXX no longer communicate with me but someone name XXXX XXXX contacted me and stated he was talking Mrs.XXXX place and would complete the loan process, during several documented voice mail Mr.XXXX kept telling me the loan I applied for was in the final stage and would be completed the following week, then XXXX XXXX, XXXX XXXX and other people was involve in the loan process, then XXXX left for a wedding and so on but XXXX XXXX kept telling me the loan would be finalize.The loan never got finalize I don't know why.Around the latter part of XX/XX/2018 I spoke with a manager at XXXX and was refunded my appraisal fee, however due to the aggravation of my XXXX and mental and physical injuries from XXXX XXXX I feel the because of XXXX deceptive trade practices I should be further compensated.
For the past several years, we have fought for our home against OCWEN. They would take payments, place them in a side account only to stop accepting payments and send us to foreclosure. Finally, I was advused to take chapter XXXX  bankruptcy to save my home. Well, OCWEN once again, did n't report the negative escrow account until many months after confirmation. When they did finally report, the trustee wanted the bankruptcy dismissed. OCWEN has made errors in escrow account and will not correct. I was told to bring negative escrow and all payments up to date and the payment will return to normal and the bankruptcy will be dismissed. That info was courtesy of OCWEN in XXXX call center. Now OCWEN in US is telling me even if I complete the bankruptcy and all payments are caught up, the house is theirs and I will be evicted. I can afford my house. We have equity in the house. We have lived here for 20 years. They clearly want my home. They have destroyed my credit. Everyone I talk to about refinance says " I am sorry, but they are horrible. '' They can not help after what OCWEN has done. What can I do? Who can help? What is the truth? I know I am not alone. I never received a letter about the lawsuit against them or would have joined and lead the way. Please help me save my home of 20 years.
I sent Midland a dispute letter regarding the above account that you sent me a settlement letter for. In my letter I advised you that this was a dispute notice & that I have never had an account with your company-Midland Credit Management or your XXXX Bank. I also advised you that I never applied or had a XXXX XXXX card. 

On XXXX/XXXX/XXXX, I received a response letter from XXXX XXXX, XXXX XXXX. The letter was undated & it failed to acknowledge any receipt of my dispute letter that was sent and received certified mail thru XXXX # XXXX XXXX XXXX XXXX XXXX. However, instead XXXX XXXX 's letter only stated XXXX 's new policy that was effective : XXXX XXXX, XXXX. At the bottom of XXXX XXXX 's letter, he then went on to state, This account XXXX still be reported on your credit as unpaid. I am not too sure if my simple letter was mis-comprehended, so I have re-sent a copy of it again with another dispute letter. In regards to XXXX 's statement, this can not still be reported on my credit when I have never had, opened, or obtained this account with XXXX XXXX XXXX XXXX. At any rate, even though XXXX 's response time limit expired & failed to be a DEBT validation, he should have sent me a debt validation. However, I know it is impossible Midland can furnish a DEBT VALIDATION because I have never applied for a XXXX XXXX credit card with XXXX XXXX! As a result, I am re-contacted the FTC, and I will continue to dispute this until it is handled CORRECTLY!! How is XXXX XXXX a XXXX at Midland Credit and he is not wise enough to acknowledge disputes or send debt validations in response to a dispute, sending me a general letter after I have sent XXXX a certified dispute will not be accepted. I have mailed CFPB a copy of his letter along with a copy of my original dispute letter to demonstrate his ignorance in the FDCPA & FTC.
I went to a school who preyed on their students and my legal information was illegally changed without my consent. I have been receiving calls by an unknown company that says I was going to a school that may have violated the law. When I called them back they hang up on me or do n't answer the call. 
XXXX phone number to the unknown company who asked me to call them because my school violated the law.
Synchrony Bank offers a BP XXXX XXXX credit card with rewards in the form of " fuel rewards '' ( {$0.00} credit on a tank of gas per {$100.00} charged for 90 days ). Since the credits are good for up to XXXX gallons of gas, each {$0.00} reward is worth {$5.00}. I received proper credit for the first two months, but greatly reduced credit in the third month. 
According to the bank 's written communication, I charged {$430000.00} in the third billing cycle before the 90-day period was up ( XXXX XXXX ). This, they claimed, generated {$10.00} in fuel credits. This is a factual error. I have in fact spent a net of {$7200.00} this billing cycle up to XXXX, XXXX ( after subtracting returns credited ). I simply added the current cycle 's charges on the account website. This should have generated fuel credits of {$18.00}. I was thus shorted {$7.00} in credits, with a cash value of 20 times {$7.00} or {$140.00} in gas. To illustrate the problem, I made XXXX charges during this cycle prior to XXXX XXXX for {$3000.00}, which should have generated a {$7.00} each ( XXXX x {$0.00} XXXX. Only XXXX credit this large appears, making clear that their records are wrong. My problem is that after XXXX communications with customer service, I ca n't get any XXXX to look at the record and add up the charges to see that, in fact, I charged {$7200.00} during the relevant period. Their most recent letter, dated XXXX XXXX, but received XXXX XXXX, simply repeats their claim of the amount of the rewards currently available without any effort to explain why the period from the start of the billing cycle XXXX XXXX XXXX XXXX to XXXX XXXX with a total of {$7200.00} charged produced only {$10.00} in fuel credits rather than the obvious {$18.00} that it should. 
The problem is more serious. It took many calls and emails to establish when the 90-day period ended. ( It was not clear whether their clock started when I applied, when the application was accepted, or when the card was activated ). They finally told me ( in writing ) the day the 90-day period ended XXXX XXXX, thus permitting the above calculations. For example, in my first email request for the bank to tell me the end day of my 90-day initial period, the customer service representative simply stated that in the initial 90 days I am to receive {$0.00} per {$100.00} charged with no response to my question of when the 90 days ended. The next query, by, phone produced XXXX different answers from a lady who clearly had no idea what the right answer was. She quoted dates as early as 60 days after activation to as late as well over 90 days. 
I need {$7.00} in fuel credits or {$140.00} in cash credit applied to the card. I would also like assurance that their customer service will be more responsive.
Exxon/Mobil is reporting a XXXX day late payment to the credit agencies from XXXX 2012. I have been a loyal customer of almost XXXX years and have been very adamant about not making any payments that were ever over XXXX days late. I have ALWAYS sent the payments out prior to the XXXX day period and 99 % of the time they arrive early.
I have been receiving robo calls repeatedly at work from number ( XXXX ) XXXX. When I try to call back, no one answers. Today ( XX/XX/XXXX.18 ) I  received a call from the County Court House which I believe was a spoofed number because when I called back, they had no information on me. They are imitating a legitimate number ( XXXX ) XXXX. 

XXXX XXXX is the company that has been calling me. I reached them at ( XXXX ) XXXX, which is the number I was given by the courthouse. I also have an " Affidavit '' number of XXXX, which was given to me. I was hung up on. I tried calling numerous times afterwards trying to get information but they continue to hang up on me. I started recording the phone calls and made them aware. Once I did that, they changed their tune and told me that I have the wrong number. This is AFTER they threatened me and said " See you in court. '' They are not giving me any information, they continue to harass and threaten me.
XXXX XXXX continues to report a debt on my Experian credit file. I have never had a debt with this company/Bank. I have disputed this through Experian and they continue to show it paid late. They last showed paid late on XX/XX/18. This is incorrect information that is damaging to my credit report. I want them to remove it in my Credit report.
On XX/XX/XXXX my credit monitoring services alerted me my Transunion score dropped 20 points. Upon inspection of my Transunion credit report # XXXX I notice that in the remark section of my mortgage with XXXX XXXX XXXX Transunion added this statement " Foreclosure procedure initiated ''. 
This is factually untrue- I immediately disputed this information to them. I am current and haven't missed a payment in close to 2 years on my mortgage with no past due of any amount. Never was I foreclosured on nor in the process of foreclosure. 
I haven't received any notification that my dispute was received or that the investigation has started. I just want this issue resolved as quickly as possible.
opened an account back in XXXX XXXX and filed a Chapter BK in XXXX and in XXXX its was discharged and cleared the amount owed, and as of today it has re-appeared in my credit report as high limit balance of XXXX and past due of XXXX and this was reported in XXXX XXXX it has significantly hit my credit as I applied for a re-finance and was turned down do to this derogatory its from CHASE # XXXX
A bankruptcy is being reported in my name from  XXXX   XXXX     2010  and this information is not correct.   I have confirmed that the court system does not report this information.
My Home was foreclosed on XXXX 2016 by Bank Of America. I was making my mortgage payment monthly and was not behind on my payments. I have contacted my mortgage company and requested they modify my home mortgage and rescind the foreclosure. 
Bank Of America is the Investor for my mortgage and XXXX XXXX Loans is the servicer
Citi.com ( their Costco product ) I disputed a charge. They appropriately credited my account -- then inexplicably put the charge back on my account. Their customer service department says it will take 6 months? They are still charging me the full amount ( XXXX ) on my monthly statements and say there is nothing they can do.
XXXX originally reported to the credit bureaus. I sent them proof of my payment and said that the debt was cleared. I got a phone call from Transworld Systems , Inc. saying that I still owed the debt on XX/XX/2017. I have an FTC reference number and faxed them the information. My number is XXXX
On  XXXX   XXXX ,  XXXX , I rec 'd notification from a credit reporting company that  XXXX  new " collections '' were added to my credit report. The  XXXX  new collections are both the same company ECMC for student loans and were included in a Chapter  XXXX  bankruptcy that was file last year in  XXXX   XXXX . My issue is that the company newly reported this to credit agencies as an active collection a year after I filed Chapter  XXXX . I am still in this active  Chapter   XXXX . I 've called the company and they said that the accounts are in an active collection status despite the  Chapter   XXXX . Should I not be protected under the automatic stay until the end of the bankruptcy?
UMB Credit Card provoked a dispute with me in late XX/XX/XXXX. I discovered that even though it resolved in my favor, they continued to mar all three of my credit reports with a statement about it. I asked UMB to stop reporting it via a phone call in XX/XX/XXXX. They did not. I have detailed what happened under the complaints XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, and XXXX XXXX XXXX XXXX. I am complaining again because I was not satisfied with any of the responses.
TRS Recovery Services sent me a letter stating that a check that I had written at a local grocery store did not clear due to a stopped payment and they were collecting on this debt. I checked with the bank and the checked did clear and the bill was paid. I attempted to call TRS however they offer do not offer an option to talk with someone to resolve the dispute. The only option is to complete a form that requires you to provide bank routing numbers, account numbers, drivers license and social security number. I am uncomfortable with sharing this level of confidential information to resolve this issue. I have verification that the check did clear and the debt was paid I would like an alternative to resolve this. It appears as though there have been a multitude of complaints regarding this company 's business tactics.
Hello, I am writing you to inform you that here appears to be a bankruptcy on my Equifax credit report. This item only appears on Equifax and not on XXXX or XXXX. 

I demand that you remove this item immediately. There is no evidence of validation other than a third party looking at public records. I have been to the XXXX XXXX County Clerk and he informed me that they DO NOT verify any public records with a third party. In fact this item was removed and then reappeared on my report. 

I am ready, willing and able to proceed with a lawsuit as well as participating in a class action suit against your company. You have 15 Days to remove this item or we will see each other in court. I am not playing games here as this is hurting my ability to gain employment. Therefore, everything and anything that I can do I will do in court. 

Look at the attached report. It clearly states that the item verified is N/A. So your company lies that items were verified and in fact you do nothing. My lawyer is going to pull all of the stops and
We were effected by XXXX XXXX and XXXX offered us a XXXX month bereavement that would be added to the end of our loan. In XX/XX/XXXX, after already skipping XX/XX/XXXX and XX/XX/XXXX payments, we were informed that they made an error and we were not eligible for this program. XXXX demanded that we make-up the XXXX missed payments in full. We explained that we did not have the funds to do this since all the money was used to make repairs as a result XXXX. After the XXXX month forbearance, we started to make our usual monthly payments. However, the payments were and still are being applied to the previous months, thereby, making it appear that we have continually missed payments. As of last month, our credit report indicates that we have missed XXXX mortgage payments. To further complicate the situation, XXXX has transferred our loan to Seterus and they are also reporting ourpaymentsas missed. We have tried to resolve this matter with Seterus as well, however, each month we make a payment it is also being applied to the prior months. Thereby, making it appear that we are perpetually late and missing payments. The documents attached will show that we have never missed a mortgage payment with Seterus. Furthermore, we have had our mortgage with XXXX for close to XXXX years and the only time we did not make a payment to XXXX was during the forbearance which they authorized as a result XXXX and then reneged.
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXXXXXX XXXX XXXX. 

I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX ACC # XXXX this is a fraud account -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Please update my number to my fraud alert to XXXX XXXX Those inquired are not mine XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX UNIVERSAL XXXX XXXX/XXXX/XXXX XXXX CARD BANKING XXXX XXXX/XXXX/XXXX XXXX BANK XXXX TU XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX STORES XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX CARD BANKING XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX CREDIT CARDXXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " XXXX '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditorsXXXX in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
On XXXX XXXX 2016, I attempted to initiate an Automatic Clearing House ( ACH ) transfer from my XXXX at HSA Bank ( a division of Webster Bank, XXXX. ) to an external linked and verified bank account. HSA Bank 's online portal would not process the transfer, because it is greater than {$500.00}. I called HSA Bank 's Customer Service Center at XXXX and spoke to a representative " XXXX '' who confirmed that HSA Bank has a new policy limiting outgoing transfers to {$500.00} per day. I protested because there is no language in my account 's " Deposit Account Agreement and Disclosures '' that references or allows such restrictions on withdrawals. First, she maintained that a new Account Agreement has been sent to account holders, but I had not received it yet. On further questioning, she admitted that no notice had been sent to account holders, and that this was a new internal policy, which was allegedly put into place due to fraud. She was unable to direct me towards language in the account " Deposit Account Agreement and Disclosures '' that allowed such restrictions, and was surprisingly unable to provide me with at copy of the current " Deposit Account Agreement and Disclosures. '' As an alternative arrangement, she did suggest that I could contact my regular bank and obtain a cash advance to pay for medical bills. 

These practices are improper and concerning for several reasons : 1 ) There is likely no legitimate reason for the {$500.00} daily withdrawal limit other than to limit consumers ' access to money 2 ) This does not conform to " general banking practices '' in XXXX or in the XXXX 3 ) If in fact, HSA Bank is having significant fraud problems with ACH transfers to *verified* external linked bank accounts, this should raise a red flag about the overall security level and internal controls at HSA Bank XXXX 
4 ) It is interesting that HSA Bank has no problems accepting incoming ACH transfers greater than {$500.00}. 
5 ) The {$500.00} daily restriction is so incongruent with the essential nature of an HSA ( i.e. paying individual medical expenses, which often exceed {$500.00} ) that XXXX wonders if this account can truly function as an XXXX. 
6 ) The advice to obtain a cash advance from my primary bank to pay a medical bill is very poor advice. 
7 ) Although I agree than HSA bank can limit withdrawals when fraud is suspected, applying a blanket and arbitrary policy to all accounts is not appropriate.
I noticed a new collection on my credit on or about XXXX When I contacted the gas company who sent this to collections I was told they had a system reboot XX/XX/XXXX an no longer have access to the records. I have repeatedly requested verification of that I owe or how I owe this bill when I did not reside in the residence at the time they claim. I have yet to receive verification of my request. The company has point blank told me that the burden is on me to prove I do not owe them. I know I do not owe this bill as the previous owner holds records of this time frame that he has paid the bill to this service in the same time frame the company claims I owe.
On XXXX/XXXX/XXXX I went to XXXX Medical Center for a XXXX. I stayed in the hospital overnight. A few weeks later the bills started rolling in and I agreed to pay the remaining {$1000.00} after insurance was collected. XXXX began billing me and each statement was different after agreeing to a monthly {$100.00} payment. I paid {$100.00} on XXXX/XXXX/XXXX and waited for the next month statement. On XXXX/XXXX/XXXX the statement was for {$2200.00} and I contacted both the hospital and my insurance. The insurance called XXXX and they agreed that there was an error and they would send correct statement. On XXXX/XXXX/XXXX I got another statement for {$2200.00}. I again called the hospital and insurance and the insurance contacted XXXX and again they said they erred and would send correct statement. On XXXX/XXXX/XXXX I got a letter from debt agency indicating I was sent to collections. I have a credit score of XXXX. I called XXXX again on XXXX/XXXX/XXXX and asked what was going on and they said it was my responsibility to pay and I explained how they were sending me wrong statement amounts and that I would have gladly paid the {$100.00} a month if they did their part and statement showed correct balance. 

I hope you can help me with this, I have no issues paying the monthly or even full balance if I could get someone there to understand how they erred and I should not be taken to collections for something out of my control. I always get a different supervisor with different answers on how all of this was my fault even though I set up a payment plan and they failed to bill me.