WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I walked into the U.S. Bank branch office at XXXX XXXX XXXX XXXX, XXXX, MN XXXX in order to cash a payroll check drawn off of U.S. Bank. As I was in the process of cashing the check at a teller 's window, I was asked for my SSN and informed that U.S. Bank 's policies regarding noncustomer check cashing had recently been updated to follow " the law ''. While doing research into the legalities of this policy, I found " Section 3-501 ( b ) ( 2 ) of the  Uniform Commercial Code '' which speaks about " reasonable identification ''. Thumb prints, driver 's licenses, passports are all reasonable identification. A SSN is NOT and there is no law saying that they have to ask for them. 

Having done some research and making some phone calls, I called the aforementioned branch of U.S. Bank to speak to the manager. He specifically informed me that they use noncustomer SSNs to TRACK THOSE PEOPLE. That's right. They are tracking you with your SSN if you give it to them. I believe this to be a massive breach of privacy and refuse to do business with them for as long as they maintain this policy. To be clear, they outright REFUSE to accept a REAL ID driver 's license or United States passport as identification specifically so they can track you and your money.
My rewards Visa credit card from Wells Fargo was stolen or illegally used on XX/XX/XXXX. There was 13 transactions of a total of {$990.00} used. Unfortunately short after I reported, the bank declined the claim. I reopened the claim with a police report on XX/XX/XXXX.
I am filing a complaint because Experian has ignored my request to provide me with the documents their company has on file used to verify the accounts I disputed. My dispute has extended past the 30 day mark without Experian verifying these accounts. Under section XXXX ( XXXX ) ( A ) of the FCRA - They are required to ... '' promptly delete all information which can not be verified. '' This matter is prohibiting me from obtaining credit. Please resolve this matter as soon as possible. Thank you
Initially contacted them via a recommendation from XXXX XXXX. I first contacted them on XX/XX/XXXX. Today is XX/XX/XXXX and this was the last straw. It has been almost 3 months and we still have n't closed. 
I took the day off today to await a notary that was never going to show because XXXX XXXX never contacted me for 5 days to let me know the notary was not available. So now they are rescheduling the notary again after I was told they would be available last Thursday or Friday which I found odd seeing as how it was XXXX. On Friday I was told they would be available today. After waiting 30 minutes past the scheduled appointment time I reached out to XXXX to find out who the notary was. It was then I was told the notary would not be available today. 
Granted I got XXXX XXXX by the VA Loan Appraiser and that took forever to resolve, only to get the same lower appraisal than last year even though the market had gone up 10 %. It took repeated emails and calls to get any information and the communication back was less than customer oriented. 
I had to take a day off to wait for this no-show notary and I requested them to reimburse me the {$560.00} it cost me to take off for the day. I was offered initially 0.125 % lender credit of the loan value ( {$220000.00} ) which is about {$280.00}. XXXX said he would bump the credit up to equal the {$560.00} it cost me today. I do not trust that to happen but will wait and see. 
I was told in each previous month I would n't need to pay for my XX/XX/XXXX or XX/XX/XXXX mortgages because we would be closed before they were due. Glad I did n't follow their advice and continued to pay my mortgages when the refi closing dates kept slipping.

I can not emphasize enough how much to avoid this company at all costs. Do NOT get any type of loan from Homeside Financial, even if it is a last resort.
I guess I MAY Have been impacted by the Equifax security breach. however, on their website, they do n't directly tell you if you actually have, it just says you may have been affected. so I sign up for their free credit monitoring program, but I get no information on that either. if 's not very informative when they just gave away so much of my info and do n't provide me with any info to try to help keep myself and my husband safe from future problems.
i paid XXXX long time ago and the collection is still on my credit file the collection agency is refusing to remove the collection XXXX
Our new home mortgage was sold by XXXX XXXX XXXX to the Mr. Cooper/XXXX XXXX XXXX, effective XX/XX/XXXX. We made our first payment in the amount of {$4200.00} on XX/XX/XXXX. The funds were posted and allocated correctly. 
The 2nd payment we made posted on XX/XX/XXXX in the amount of {$4200.00}. When we received our statement, we noted that the total amount of the payment was applied to our principal loan amount. No portion was applied to interest or escrow. Also, our escrow balance was reduced by {$1000.00} and additional {$96.00} was taken out for PMI which had already been deducted. 
We contacted Mr. Cooper/Nationstar twice on XX/XX/XXXX to attempt to have our payment of {$4200.00} properly allocated and to determine the status of the missing {$1000.00} and an explanation on why an additional month of PMI {$96.00} was debited. 
The call center persons at Mr. Cooper were unable to explain why they posted our entire payment to principal without our approval. They were also unable to determine why {$1000.00} was taken from out account and where it now has been transferred. Finally, there was no explanation as to why additional PMI was withdrawn. We were told that they would provide us with a response and correct the account within 24 hours. As of today, XX/XX/XXXX, we have had no response from Mr.Cooper/Nationstar and our online account has not been corrected. We are obviously very concerned that the payment on our mortgage was misappropriated as well as there are now funds missing from our escrow account.
I have been reported 30 days late and i have made all the payments on time. People were supposed to call me and never did. I gave them all the documents and proof needed with bank statements account info etc. They are wrong and refuse to cooperate with me.
XXXX XXXX received permanent modification documents after completing a 3 month trial in XXXX. On XXXX/XXXX/2015 the authorized XXXX part representative spoke with Ocwen about the status of the modification being finalized in there system. They advised they received it and it should take 7 to 10 business days. Another call was made today, XXXX/XXXX/2015 since XXXX XXXX is still receiving delinquency documents and negative credit reporting. Another representative at Ocwen named XXXX XXXX stated that they did receive the modification documents but what the hold up was that with the modification that XXXX XXXX received Ocwen would have to purchase the loan and they have n't done that. He stated that they do not have a time line for this and their was nothing that could be done to speed it up. XXXX XXXX has completed the trial successfully and done everything required of her and she is still at risk and receiving foreclosure documentation. This is a completely unreasonable amount of time to finalize documents returned back.
Some years ago, I had my purse stolen. I reported it to the police department when I resided in Florida but  whomever the  person was still open things in my name and I did n't find out until later. At that time when I got phone calls, I advised on the issue and sent a copy of the police report to whoever called back then. I have relocated and have no clue where the report is. It appears whatever creditor it was could n't collect so they made money by selling the unauthorized debt and I was never sent anything before hand or before this was placed on my report per FCBA guidelines.
For them to remove the items off my credit report like they should have already even without me having to dispute them. 
There are 3 or 4 total that I have disputed with them from XXXX and XXXX. 
1 is XXXX, another is XXXX, another is XXXX, and there are XXXX XXXX XXXX credit cards that are all really old. But the companies either changed the dates or sent them to collection and started them from that date. But either way I only had these cards for a short period of time and they are well over XXXX years old. And for them to refuse to remove them is illegal. Please help, thanks
I filed a request to Fifth Third Bank as to why the bank charged me late fees above what was listed on the payment coupon. I filed this request XX/XX/2016. The bank never got back to me.
I printed my credit report called XXXX XXXX  on XX/XX/XXXX. I spoke to XXXX at the Consumer Financial Protection Bureau on XX/XX/XXXX. Last year when the Credit Breach happened to Equifax I became a member of XXXX XXXX. Between XXXX XXXX and XXXX XXXX they show my credit history is 6 years in the making. I have a XXXX XXXX Account that reports to all 3 Bureaus Equifax, XXXX, and XXXX every month. I have had this account since XX/XX/XXXX. That's 7 years and 10 months. I have a XXXX XXXX Account since XX/XX/XXXX. That's 16 years and 2 months. I also have had a XXXX XXXX Account since XX/XX/XXXX. That's 12 years and 2 months. I have XXXX XXXX  and their credit Monitoring shows my 16 years of perfect credit. Never late, never missed a payment, never paid one cent of interest. I printed out the credit XXXX XXXX and XXXX XXXX from Equifax and XXXX XXXX only give me credit for 6 years even though these companies report monthly and they are on the XXXX XXXX. All I'm asking is to give me the years ive spent creating a wonderful history for myself. Please fix this. I'm waiting for the letter from you so I can send copies. Thank you for your time. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Fl. XXXX ( XXXX ) XXXX
I purchase a vehicle from Drive Time approximately 8 months ago. I have been paying on time and looking to refinance the vehicle. I had my credit pulled and I was told that Drive time has not reported my payments to the credit agencies. When I first purchased the vehicle I was told that by the manager that drive time will report my payments within 30 days of purchase. I contacted DT Credit Company and asked them what was the reason that they havnt reported my payment history. I was told by several employees that they had a new system and have not reported anyones payment history since XX/XX/XXXX or XX/XX/XXXX. I asked the manager how come no one has informed the customers that DT Credit Company was not reporting. The manager stated that he did n't have an answer. I told the manager that part of the contract of purchase stated that they will report to the credit agencies within 30 to 60 days. I informed him that if DT Credit Company had a system problem the customers should have been informed. I also asked him if there system was hacked and if my information was compromised and he could not and would not have a answer for that question. My issue is that DT Credit Company are not telling perspective buyers the truth about reporting to the credit agencies.
My credit report shows hat the account was in arrears on XX/XX/2017 to XX/XX/2017, for 30, 60 and 90 days respectively. This is inaccurate, and this should be removed from my credit report/ need a trade line deletion.
The collection agency failed to provide me a proper investigation as well as provide me PHYSICAL proof ( Just a COMPUTER GENERATED PRINT OUT ) That the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to Promptly DELETE all information which can not be verified.
I have been going back and forth with Experian the past year trying to get my report fixed and reading correctly. I am finally satisfied and when I spoke to a loan officer found they had a notation that I " disputed '' several accounts. I wrote them AGAIN and asked them to fix that, I clearly wrote I do not dispute the accounts. They responded by sending me a letter saying what I sent them was suspicious. What are they talking about? Why is every time I deal with these people like pulling teeth??
I have 3 student loans that are closed on my report but it is reflecting late payments from XXXX and XXXX XXXX these accounts was never late this year, it is inaccurate.I have contacted all credit agencies and the information is still reflecting inaccurate information. The information can not be verified because it is not accurate but they are still reporting as such.
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
We are unable to cash an escrow check ( {$580.00} ) received on XX/XX/XXXX. 
We had lost the check but recently found it. Believing that Citi would have deposited the money with the Massachusetts unclaimed property agency, we called but found that Citi had not done so. 
On XX/XX/XXXX, we called Citi and their agent instructed us to fax a letter and supporting documentation to their Research Service Department. Not having received a response or acknowledgement, we got in touch with Citi again and the representative instructed us to send the request by mail instead. This was sent by certified mail on XX/XX/XXXX. We never received a response or acknowledgement on this second attempt either. Multiple subsequent calls to Citi have been unsuccessful as they refuse to transfer our calls to their Research Service Department nor give us an update on the matter.
account was removed & was part of Bankrupcy chapter XXXX in 2026 Case #  XXXX
I'm resubmitting this complaint because you have not investigated but provided a canned answer 1 ) THE CALL I RECEIVED WAS NOT ABOUT MY LOAN 2 ) STOP CALLING ME ABOUT A LOAN THAT IS NOT MINE 2 ) STOP CALLING ME AT THE NUMBER YOU CALLED FOR ANY REASON. As you know, if a consumer says, " stopped calling me '' you have to stop, and again, you were not contacting me about my loan. In your response you said my loan ( yes I have a loan with you, but again, the call WAS NOT ABOUT MY LOAN ) is past due - IS NOT ACCURATE. Again, after using abusive language your representative determined that she called the wrong person. Investigate this and do not provide me with another canned answer. 

Here is the original complaint. 

-- -- -- On XX/XX/XXXX and XXXX I received calls from Navient to my business line. I returned the call on XX/XX/XXXX and realized It was Navient 's attempt to collect a debt. While I do have student loans with Navient they are being paid and not in default. I was previously contacted on my business line on XX/XX/XXXX about the debt. I went through the prompts and the woman realized that they had called the wrong person. I asked her to not call my business line again and she obliged. So when I got the call in XXXX I was surprised. When I spoke to the woman I immediately said, I asked you not to call this line. She immediately went on the attack and threatened to sue me ; I explained to her that I'm not even who she was looking for. Again, she used very abusive language but when she went through all the identifying information, she realized ( as I tried to tell her ) it wasn't me she was looking for and then she hung up. I called Navient customer service to complain and ask that my business line not be called. Apparently they have no real process for this and could not identify who to call. They said call the person who initially contacted you. It was a direct dial to that person so I'm supposed to complain directly to the person that's the issue? I was told to leave a message asking for a manager to call me back. I've been calling for a week with no answer and no response. I want them to 1 ) not call my business line 2 ) stop calling me about a debt that's not mine 2 ) be fined for continuing to call a number I asked them not to. The person at issue is XXXX XXXX or XXXX her direct dial is XXXX. I spoke to her the morning of XX/XX/XXXX around XXXX.
communication tactic continue to collect a debt i did not owe false statement and representation Cohn Goldberg Deutsch, XXXX XXXX knew the facts were fraud see attached documents submitting XXXX XXXX fraud lost note affidavit. thanks to the GREAT JUDGE THAT DENIED THEIR FRAUD Foreclosure Fraud - Titles Used by XXXX XXXX of XXXX DOCUMENT IN CASE FILE IN 2008 REVEALS FORECLOSURE MILL LAW FIRM CONTROL COHN GOLDBERG DEUTSCH IN THIS CASE # XXXX KNEW THE FACTS WERE FRAUD AND WERE TRYING TO GET HIS HONORABLE JUDGE XXXX XXXX TO SIGN OFF ON THEIR FRAUD SEE ATTACHMENTS TODAY THE THIS SAME DEBT COLLECTOR LAW FIRM STILL CONTINUE TO FILE QUESTION DOCUMENTS IN COURTS TODAY CASE
Gentlemen, On XX/XX/XXXX I opened a checking acct with CHASE BANK for my DIRECT DEPOSIT OF MY PAYCHECK. CHASE BANK sent me a promotion that I will receive a {$300.00} bonus after my first direct deposit. 
I have had XXXX direct deposits thus far and when I called CHASE they said that these deposits were not DIRECT DEPOSITS but XXXX. Maybe I am not understanding this but I did not receive the checks and then deposit, they were electronically sent to my acct. They denied me the {$300.00} bonus, another scam by Big Banks. 

Your attention to this matter is greatly appreciated. 

Thanks you XXXX XXXX XXXX XXXX XXXX XXXX, ny XXXX XXXXXXXXXXXX XXXX
upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, Equifax and XXXX   attached you will find supporting documentation. the accounts that need to be removed are XXXX XXXX/ XXXX XXXX, XXXX , XXXX XXXX, XXXX , XXXX XXXX , XXXX, XXXX XXXX, XXXX , XXXX , XXXX , XXXX, XXXX XXXX , XXXX, XXXX , XXXX , XXXX/   XXXX these accounts are not mine and have landed on my reports as an result of identity theft and fraud.
I found public record incorrect information and pending payment which is not mine and misspell my name and wrong employer.
Shellpoint Mortgage Company Keeps Harassing Me No Matter What I Tell They Sending Letters They Said To I Was Dead Then They Send Me A Letter Talking About I Have To Go To Court Then They Turn Around And Send Me A Letter Talking About I Owe Them {$100000.00} Dollars And I Don't Know What They Talking About
I 've just returned from the XXXX for my business. I was traveling in remote areas of the country where the vendors I was purchasing from, for the most part, only accept cash. I used my XXXX Bank of America debit cards to access cash. As a bank of america customer from before it was called Bank Of America, I was charged {$440.00} in foreign transaction fees for accessing cash from my OWN BofA accounts. BTW, that same cash on deposit earns virtually no interest & they use my cash to make money via lending and other services. To charge me {$440.00} just to access my own cash which is on deposit with this institution essentially for FREE ... has me off the charts angry. This should be illegal & it is ethically & morally wrong. I can not believe I have been loyal to this institution for this long! In addition to these I also have been assessed {$130.00} in fees on my BofA VISA credit card. Essentially, it cost me {$580.00} to be a Bank of America customer visiting XXXX XXXX for XXXX days. Of that {$580.00}, at least {$440.00}, or 77 % was a fee to access my own money. How can this even be legal???? I would appreciate any help you can give me in getting these fees 100 % refunded. To date, they have refunded {$230.00} without explanation as to how they arrived at this figure. It matters not - it should be 100 % refunded & should never have been charged. I would like to know what the tax dollars I pay are doing to protect me???? XXXX XXXX
Dear Mr. or Ms . 
I made the mistake of taking a loan out with this company, I was approved for a {$1000.00} loan, but only borrowed {$470.00}. I was told by the Rep. on the phone that there would be a {$150.00} finance charge, steep, but I agreed. 
What I did not know, and could not see at the time I accepted this agreement, was that the Truth in Lending disclosure not visible at the time I accepted this loan showed an APR of, and this is not a typo either, 849.0116 % and that the total repayment amount for my {$470.00} loan would be a whopping {$2400.00} I had not been informed of the 850 % interest rate on the loan, and I was told there would be a {$150.00} finance charge, not {$2900.00} in total payments, and I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. 
To this date I have paid {$1000.00} for the {$470.00} loan. I think this is far more than enough to cover this and I do n't think I should have to pay anymore. 
I feel like I was totally mis-lead about how much this little loan would cost me. 
Thank you for your time. 
XXXX
I obtained a small student loan ( less than {$3000.00} ) from XXXX XXXX in XXXX. The loan was owned by Navient until they sold it to National Enterprise Systems due to my inability to make the payments due to financial hardship. After being repeatedly harassed by NES ( threatening voicemails, repeated calls throughout the day, etc ), they finally agreed to a payment plan of {$50.00} a month to be automatically deducted from my checking account. That was in XXXX. I reauthorized the payment plan with a NES representative in XXXX. I last received my monthly statement from NES in XXXX for the XXXX payment. I have n't received any further communication from NES or Navient and my XXXX payment was never deducted from my account. Now, my father just discovered my loan under his Navient account in my name. It seems that Navient now has control of my loan again and is demanding payment. I was not notified that there was a change being made to my repayment agreement. Plus, I had no way of knowing since it is my father 's account and I do not have access to it. I called NES and left a message earlier in the week and left a message but no one has bothered calling me back. This is unfair to me and violates the agreement I had with NES. Someone from one or both of these companies should have contacted me and they have no right to put my loan on my father 's account. That is a violation of my privacy and prevents me from accessing my loan. I believe I have been mistreated by both companies and I am seeking a resolution to this problem. I have never missed a payment since I entered the repayment agreement.
I want XXXX account and collection removed from my credit reports. Ordered products from XXXX all the way back in 2013, never received my order as it was sent to an incorrect address I no longer lived at in a different state. I dont know how they got that address as that's not what I put. When I saw it was being shipped to incorrect address I contacted right away to inform to change address as it hadnt actually shipped yet. They refused to change to correct address. After they shipped, I contacted fedex and they said the shipper could change the address with them for delivery. They would not. Was delivered to my old address in different state. I even contacted apt office at that address and they said my package was delivered there but they gave it back to fedex to return to sender since I didn't live there anymore. XXXX should have received package back but still kept my bill for order as is. They would not reship to me. Obviously I was not going to keep paying for an order and goods I never received. No one would help me with this and ended up getting bill sent to collections with collection account and closed/charged off XXXX account show on my credit report which is not fair again for goods I never even got. Collection company would not remove when I disputed. I have screenshots from 2013 of all the emails I sent to XXXX informing about the address and trying to get them to do something.