WillisBack/dataset-financial-user-claim huggingface dataset:
In an open case # XXXX, I just disputed Citi 's regulatory complaint spec XXXX XXXX pretty lame excuse for ( as experience numerous times ) allegedly misapplying my payments. All of the checks and money orders XXXX XXXX mentioned were mysteriously applied to a closed account ending in XXXX. All had the " account number '' written on them. In XXXX Citi stated I never sent the money but would investigate. Citi is just being retaliatory towards me for involving my Congressmen re : the previous Citi matter where they tried to take advantage of me. Do n't understand how with all of their " specialist '' they misapply money. In addition, Citi ACH 's my checking account for {$70.00} towards the balance of said account ending in XXXX. It 's obvious in addition to being revengeful Citi is trying to soak me for as much money as they can from me by any means necessary. For now I stopped the ACH 's and will send them {$50.00} each month until this matter is settle.
I did not receive a subpoena for this debt until 7 days prior to trial. I was unable to attend because of a conflict. My attorney contacted them numerous times prior and after court date to settle account but received no response. They then preceded in garnishing my bank account without notice. I spoke with them in XXXX of 2016 regarding a settlement at that time. When I tried to call back after a 2nd garnishment without notice they refused to honor the settlement. They have been uncooperative & gt ; I left a voice mail with the organization once again and it took them over a week to return the call., when I finally spoke with someone they were rude and belligerent.Asked to speak with a supervisor, but no one was available. No one has returned a call.
No attempt was made to verify the collections disputed. 
I do not recall seeing the original dispute or anything from the company that they claim contacted me. 
There was nothing done to confirm the debt which I do not owe. 
It is a medical debt that was sent to a charity organization at the hospital and paid by them. 
XXXX XXXX is lying when they say they tried to check it out, they made no attempt to remedy the issue and just stamped it as good and put it on my report. 

This is not a legal debt., The original creditor was the hospital that I was admitted to. It went ot a collections agency that did NOTHING to confirm the debt.
i received a collection notice from first national collection bureau inc and it is not my debt. 
1 it is not my debt i would like for FNCB to provide proof that it is my debt and Such as original document with my signature and or proof of any payments i made on this account such as voided check. 
2. this debt is FNCB claiming i owe is from 2007 and it is well out side of Fair Credit Reporting Act.
Quicken Loans has a lure on the internet saying if you would like to know about the Making Homes Affordable Act to sign in. When you sign in you get no info about the act. Just a come on to apply for one of their loans and immediate access to giving telemarketers your info to contact and harass you. There is no way to opt out. There should be a sanction on false advertising and an opt out so if you get suckered in you can get out.
Dear CFPB, I contacted PNC Bank last week in regards to a check that I wrote to myself from my XXXX Account. I deposited the check on Monday XX/XX/2018. The disclosure on PNC mobile bank state that funds would be deposited within 2 business day. I waited the 2 business days and no funds were deposited to my PNC checking account. I contacted PNC on Friday XX/XX/XXXX and the representative told me I had a hold on the check and would be deposited to my account on XX/XX/2018. I checked my account today XX/XX/2018 and no funds were deposited. I contacted PNC again in regards to my missing funds and now are telling me because it is a new credit card now the funds are being held until XX/XX/XXXX. I advised the PNC representative that I have written numerous checks payable from myself from my XXXX account and do not understand why the bank is withholding funds that I need to pay a bill with. No one has helped me at all and I feel the bank is taking advantage of me. Without the funds, I can not pay a bill and is negatively impacting me. It is extremely unfair that PNC is withholding funds and keep being changing their reasoning why they won't give me my money, and if anything keep changing the story on their end. It appears to me that they simply want to take advantage of me and the situation. I am writing for assistance from the CFPB to help in this matter.
Have been alerted my personal credit data has been breached by Equifax. Have spent an hour attempting to contact anyone at Equifax via phone numbers ( have called all of them during business hours ), live chat ( system appears permanently down ), and via links on their website ( these all lead to error messages ) to place a freeze on my credit. 

This is inexcusable and perhaps the federal government can step in to force this company to communicate with it 's victims and make their supposedly free services available immediately. I 'm not sure what to do in this situation as I can not force them to fix their phone lines, website, or internal communication system.
XXXX XXXX attorney for XXXX TRUSTEE. Refuse to release all funds in escrow and INSURENCE funds. XXXX XXXX TRUSTEE V XXXX XXXX INDEX XXXX is disposed. XXXX XXXX still refuse to release my funds
My parents and I own a rental home in XXXX XXXX, Louisiana. We each own XXXX % interest in the property. The residential home is worth according to XXXX approximately {$68000.00}. In XXXX, we purchased the home and paid off the mortgage. A local bank, XXXX XXXX, provided us a {$35000.00} home equity line of credit at that time and took a first mortgage on the property. This loan was subsequently shifted to XXXX and now Whitney Bank due to bank acquisitions. We have a XXXX month history on making on-time payments for this home equity line of credit. XX/XX/XXXX, we were contacted for the first time by a representative from Whitney Bank stating that the term on the line of credit was expiring in XXXX XXXX and we needed to provide tax returns and financial statements for review. My parents and I submitted this information within two weeks of the request. Prior to this email requesting financial data, we have never heard from any representative at Whitney Bank despite being a 25 year client with a performing loan. XX/XX/XXXX, I was called by the representative from the bank and informed verbally that Whitney Bank was not going to renew the line of credit. They would offer us a term loan to payout the balance. When I inquired as to the reason for this decision, I was informed verbally that we were n't using the line properly. Our issue with Whitney Bank is that there was no outreach by them to connect with us as 25+years customers of the bank. There were no communications from Whitney Bank on any defaults on the terms of the loan. Nor were we given an opportunity to correct any defaults. Our complaints also include poor customer service from Whitney Bank and lack of investment in the minority community. If we were not in compliance with the terms of the loan, why would the bank representative ask us for tax returns and financial statements. If we were in default of the terms of the loan, then why request financials and tax returns?
This company keeps calling me with a recording stating that they need to talk to someone else ( a name I dont know ) and they need to call immediately. I finally call them after being contacted numerous times in 1 day. They then tell me they are calling for me, they provide my first and last name. They then send me to my account manager, who then also tells me my name and ask if my date of birth is xx/xx/xxxx and the last 4 of my social is xxxx. I stated yes, keep in mind she provided me with all this information, never ASKED me to give her my date of birth or last 4 of my social. She then proceeds to tell me they are calling about a debt linked to social security number xxx-xx-xxxx, providing my WHOLE social security number. This is a huge issue and the reason why there is so much identity theft! She could have been speaking to ANYONE as I never gave her any information it was simply provided to me.
There has been an error on my report for months. I have disputed it but it is still remains, without proper proof.
My name is XXXX XXXX. On XXXX XXXX 2011, I received a letter regarding a debt. At that time gave XXXX options to get a settlement. I called and arrangements to settle this account with option # XXXX ( was to pay a lump-sum payment of {$850.00} ). That was a savings of 50 % on my outstanding balance. I received notice from my bank ( XXXX ) that the transaction was processed on XXXX XXXX, 20 11 and the full amount was paid to J.C.Christensen & Associates , Inc. With transaction # XXXX. 
When I called again to confirm the payment was received, the representative mentioned that no further action was needed from my side and the debt was canceled. 
I 'm asking for your help to resolve this issue. 
I look forward to a resolution of this mistake miscommunication between J.C.Christensen & Associated , Inc. And the other collector XXXX XXXX XXXX XXXX XXXX Also, I would like comelet all necessary steps to clean my credit records. 
Manny thanks
There were some unauthorized charges on the account, they refused to remove the unauthorized charges. I paid the accurate amount and now they are charging late fees for unauthorized charges AND reporting false information to the credit bureau
My XX/XX/XXXX Tax Return Was deposit into the wrong account, I call the bank The Morning Of The Deposit and let them know the acct # was Wrong and please return the deposit to the IRS, THE BANK TOLD ME DONT WORRY the names must match the account, Well That Was A Lie, It Went to A Open Acct, it was deposit and spent, The IRS Said The Bank Should 've Return The Refund, The Bank Said The IRS has To Request The Refund Return They did n't, XXXX Made The Mistake and said the bank Will Reject the refund, It did n't happen I have been going back and fort with the XXXX agency and it 's like a lost case, I Contact the customer after chase bank give me his Name, Address and Phone # .I Contact him and he said he had a Amend return for almost the same amount from the same tax office and when it comes he will pay then THAT WAS XX/XX/XXXX, I 'm So Tried, and I Think Chase Should Have Sent it Back To The IRS , They Have Protected This One Customer and Not Me Well I 'm Your Customer To Chase. The IRS Sent A Letter Requesting Information and The Bank Said It Went Into The Wrong Acct, The Name And SS # DO NOT MATCH-Funds NOT AVAILABLE TO RETURN AS OF XX/XX/XXXX - {$4200.00} I Contact Chase Bank Executive Customer Service and after a while like 6 to 8 weeks was told The Bank Will Not Lose Any Money and yes it should have been return, To Go After The Customer. WOW
In XX/XX/2018, I found a collection account on my credit report that must have been in error. The collection account original creditor was one that I had an on going and " paid as agreed '' account with. I spoke to several reps at both the original creditor 's ( XXXX XXXX - who advised me that my account was in good standing and was not in collection ) and XXXX ( collector - who could not " verify '' my personal information and said that due to that fact I would have to dispute it with the credit bureaus ) I have submitted two disputes with Experian and spoke to a rep there, who said I needed to call the collector and have them take it off my report. ( basically I am getting the run around. My credit report from Experian is still showing this collection account to be " debt included in personal receivership ''. Whatever that may be. After my disputes where " closed '' the account is still showing on my report. 

This collection account is not and has never been mine.
I disputed an account on my Equifax report from XXXX that was reported as opened as of 2016 as incorrect/not mine. The investigation came back as belonging to me from XXXX but the dates are all wrong. This should be off as it is very old.
This is a complaint that I want to be published as well. I have been continuously trying to resolve this issue with Hyundai Motor Finance directly ( from 1-800 customer service number to CEO ) ; however, this company acts in unreasonable manner. Additionally, it does not shows signs of the company that cares and wants to maintain the relationship with loyal customer. 

-Upon end of lease ( XX/XX/XXXXXX/XX/XXXX) received few bills with {$0.00} balance ( see attached ) - this is miscommunication. 
-Then found out about " lease end fee '' - sent USPS coupon with payment ( never published due to USPS or other mishandling ). 
-Out of country until XX/XX/XXXXdue to family emergency. No calls were received. Under assumption that payment was posted. 
-Upon return realized that no payment was received by Hyundai . Attempted to make electronically - see attached. Payment bounced as per Hyundai due to account being " closed ''. This is another of my many attempts to make a payment. 
-Finally was able to make a payment onXX/XX/XXXX Although the payment was late, it was not due to my inability to make the payment, but instead was due to you not being aware of it being due ( family emergency ) and due to companies inability to communicate and handle correspondence in the efficient manner. 

As a result of this, Hyundai responded with not being able to assist. Instead, they reported me to all 3 bureaus with 120 days late and ruined my excellent FICO score from XXXX to XXXX. Totally unprofessional and unreasonable company.
I can not seem to pay down the principal amount that I borrowed. I was in forbearance for a while and am now in an IBR. When I originally consolidated my loans in 2004 the total principal balance was approximately $ XXXX. I have paid over $ XXXX back over the past 14 years and my principal balance is still $ XXXX. When I review a statement of all payments and charges against the accounts I can not make sense of the numbers.
owed XXXX to B O A, house was sold thru short sale, this was paid and for gave as of XX/XX/2015 in full.
On XX/XX/2017, I completed a Income-Driven Repayment request. I was notified on XX/XX/17 by Navient that they were unable to process due to the application not being signed. This is completely untrue as I did sign the application. On XX/XX/17, I again signed the application and faxed to back to Navient. I followed up with then in early XX/XX/XXXX to be told that the application was being processed and it would take 14-21 days to be approved. Today, i logged on to see the status and I have heard nothing and see that they have listed my account as past due. I called them and spoke with XXXX and he stated that I need to resubmit an application as I was notified in XX/XX/XXXX that the application was unsigned. I explained to him that I already signed the app and refaxed another signed application. He told me to hold. He came back on the line and stated that he does see my signed application and that he would send it back over for processing. In the meantime, he wants me to fill out a forbearance application so that my account can be brought current. He advised that the fees will be added to my loan balance. Why are these fees my responsibility, for NAvient 's error? He could not answer.
I have not received any notices of transfer of servicing for my student loan. When I logged onto XXXX on XX/XX/2018 to make my monthly payment, the website page stated that my loan was no longer serviced by XXXX XXXX. I am unable to access my loan account information and billing documents. The alert stated that my loan was transferred to XXXX XXXX. I have been waiting over half an hour to connect with a telephone representative to try to confirm the transfer. Further, I am trying to also connect with their online chat system but the chat box has stated that a rep will be within 13 min, but I have been waiting longer than that and no one has responded. I am unable to get in touch with anyone on Heartland to confirm the transfer and figure out where to send my monthly payment.
XX/XX/2018 Capital One took {$99.00} out of my checking or around XX/XX/2018. I have contacted these people several times to get a bill mailed to me and a receipt for my refundable {$99.00}. 
I am told that I owe on XX/XX/2018. Where is my bill? 
I only have one letter dated XX/XX/2018-welcoming letter.
We paid off our mortgage on X/XX/2017 and the lien has still not been released. {$210000.00} was wired to XXXX XXXX from XXXX XXXX on that date. We have notification that the payment was received. We have called the people at XXXX XXXX numerous times and they 've assured us that they were working on the problem. All promise-no action.
Telerecovery is trying to collect a debt that I do not owe. I have asked them to provide me with proof that this account belong to me and that I am obligated to pay them anything. Telerecovery has not provide me with any documents stating that I am obligated to pay this debt. Telerecovery is in violation because they are reporting a debt on my credit file that I do not owe and not to mention ( they have not provided me proof that they own this debt that they are trying to get me to pay. ) Please help in getting this debt removed from my credit file.
I was informed by a mortgage lender yesterday that my mortgage application was denied due to the reporting of a Ch. XXXX bankruptcy in my TransUnion records. I 've never been in bankruptcy, and this was my very first indication of any problem with my credit EVER. The other XXXX agencies, XXXX and XXXX do not show such information, and none of the XXXX agencies, including TransUnion, show so much as a late pay in my many decades of credit history. My FICO scores have remained high throughout the period TransUnion shows a bankruptcy ( XXXX ). This is obviously a clerical error on the part of TransUnion, but has damaged my credit so that I am about to lose a property I have gone under contract to purchase. Time is of the essence here, but I evidently can not get in touch with anyone directly to help me, and must await the slow process of dispute resolution .... Can anyone, anywhere help me now???
I requested to go into forbearance but I was told I was n't eligble, I tried to pay the loan off and I was told I could n't pay the loan off that I needed to keep making payments. I asked Navient if I could get lower payments due to financial hardship and I was denied lower payments. Navient would n't work with me and it 's not affordable for me to pay, then because I was denied the opportunity to pay it off the interest is increasing on the loan.
I am currently undergoing financial hardship ( actually have for the last 5 years ). back around XX/XX/XXXX I had applied for both forbearance and deferment ( hoping at least one would be approved ) ; received a letter " claiming '' one had been approved yet monthly bills still showed the full payment amount was due and thus my so called approved application was ignored. The ( current/present ) lender is MyGreatLakes. As a result of this hardship I fall short each month on needed supplies and some times even other bills - regardless of whether or not I pay the full monthly amount or more than that! Seems not to make a difference! I applied at what was once called XXXX XXXX ( connected to XXXX XXXX ) now going by the name of XXXX XXXX and since graduating have not once found employment and they have not provided assistance in any way in that area either. XXXX is one of those for-profit higher education services that have fallen under investigation. I must also note I am considered XXXX and receive an annual amount of {$13000.00} for XXXX! MyGreatLakes is impossible to deal with, ever since they bought out the student loans life has become a living XXXX and it has proven pointless when dealing with them ; they bought out these student loans back around XXXX XXXX and before that XXXX was the lender and no problem to deal with!
I have contacted XXXX about several accounts on my report via phone and mail and they continue to send a report that states the information is certified to be valid yet I have requested them to provide proof of the accounts that I am disputing several times ... 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They also stated they will no longer investigate ; however, they are failing to provide how these debts are valid. I have stated to them that a letter stating that the debt is valid is not verifiable proof ; however, I was informed they can not make a creditor send any information and that as long as the accounts match my social then that is considered as valid debt. 

I have sent over 10 certified letters and made numerous calls and they have yet to provide me with an explanation or update my reports. They also stated they do not have to reply within 30 days in they choose not to investigate negative items on my behalf.
My mortgage with XXXX XXXX XXXX  was bought out by another company Called Lakeview Loan Servicing. I was never notified. I repeatedly tried to pay my original mortgage and was denied access. I just thought something was wrong with the website. After a couple of weeks of this and a message from a credit reporting company that my account with XXXX had been closed, I called my mortgage company only to find out that my loan was sold and they were no longer servicing my loan. They gave me the number to the new company. When I called them, they said they had sent a new customer package back in XXXX. I never received notice that my loan was sold. I had no idea what was going on. I have a credit reporting service that notified me that my account with the original bank was closed. After calling the new loan service, they had sent my new customer package to a wrong address. Now when I registered to pay online with the new company, it states that I have late payments. It is kind of hard to pay a payment when your account was closed and you have no idea what is going on!
Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hindering me from gaining employment, and getting financed for housing and an automobile. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. 

TransUnion is reporting a large amount of erroneous credit inquiry information from multiple consumers. I did not authorize these inquires. These consumers did not have my approval when processing a credit check. This information is negatively affecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelihood.