WillisBack/dataset-financial-user-claim huggingface dataset:
In 2011 I rented an apartment where I paid the rent for the year in full up front which I 've finished the receipts to show proof of this to Fidelity Information via certified mail. I also found that the property management company whom Fidelity Information bought the debt from which is XXXX XXXX did in fact file an eviction after I lived out my lease and moved out. The eviction process was after I moved out of the unit. XXXX XXXX dismissed there calm it was a voluntary dismissal on there behalf. Also please note that I was not notified of this eviction and I had no clue until just recently when I went to apply for a rental and was denied. I was told that I owed Fidelity Information monies regarding the rental with XXXX XXXX. Attached is the documents pertaining to this issue for your review. I also sent these documents to this company Fidelity Information to dispute there calm and asked that they send me documentation supporting there calms. I went to the court house and got a certified copy of the voluntary dismissal and there was no evidence showing that I had a amount owed. This company continues to report negative information to the credit bureaus stating that I owe them money which I do not. Please if someone can look into this matter I would appreciate it. Thank you.
I made a reservation for an apartment on XXXX on XXXX/XXXX/17 and charged {$1600.00} on my Chase Visa credit card. I learned the next day the host was a fraud and contacted both XXXX and Chase to report the problem. Chase said they could not dispute the charge because it was still pending. I cancelled the reservation and under the XXXX policy I received a partial refund. I disputed the charge for the remaining amount with both XXXX and Chase. XXXX admitted the host was a fraud and said they were working through the issue. Chase would not agree to contact XXXX to determine if charge was fraudulent. I had the acknowledgement in writing from XXXX that the host was fraudulent. Weeks went by and Chase continued to do nothing and insisted was responsible for the charge because I knew the cancellation policy therefore I was responsible for the charge. Chase was unwilling to protect me from XXXX keeping my money for a fraudulent host. Finally after multiple emails, calls and influence from XXXX news, XXXX notified me that they would refund the remaining amount I had paid. I am actually more upset with Chase credit because they were completely unwilling to conduct any research with XXXX to assist and protect me despite the close to {$1000.00} fees I pay to Chase each year to have XXXX credit cards with their company. I contacted all the major news stations in my area because I wanted consumers to know both XXXX and Chase credits cards do not protect consumers from fraudulent hosts. In fact, XXXX is interviewing me next week on this story. I sincerely hope your organization will contact Chase and not allow this practice so that other consumers do not find themselves in the same situation.
Good morning, Like every month ; I logged in to my mortgage account online on XX/XX/XXXX at around approx. XXXX XXXX to verify if all recurring payments are correct. 

Payments should be set up as : XX/XX/XXXX XX/XX/XXXX No payments were showing, I immediately contacted the mortgage company - but due to XXXX XXXX 's - the company was closed. 

I contacted them today, XX/XX/XXXX at XXXX XXXX to verify why no recurring payments are showing. I was informed that someone logged in to my account and canceled the recurring payment option and in order to become eligible again- I'd have to submit another mortgage payment 30 days in advance ( even though I've submitted this amount back in XXXX to take become eligible ). 
I informed the agent that I did not log in to the account and I'm concerned of security breach. The representative insinuated that my husband maybe the one who canceled the payments. I informed her that it wouldn't make any sense why he would do so? I also asked why no email or letter was sent out to inform me of the cancellation. She was unable to help me out with my concerns or transfer my call to another representative. After many requests to speak to someone else, she informed me that the only other way to speak with someone is if I call again. I've tried reaching out again- but have been on hold for the past XXXX minutes. 

Please advise. 

Best regards
I am XXXX and request " reasonable accomdation '' to help me submit this " ambulance ride '' for " medicaid retroactive payment '' as I am unable to do so myself AND this debt is a direct result of my XXXX AND I WAS covered by medicaid " retroactively '' on XX/XX/XXXX. Thankyou.
Hi, Wells Fargo, car loan repossession within 45 days I had previously submitted a concern for towing charge and excessive fees during during 2016 for a repossession from Wells Fargo bank. It was determined that they were in the right and they " had contacted me. '' But the more I thought about it, there were automated calls that came through, but I never actually talked to a person. It seems to me that if a car is repossessed that I should have a chance to pay it. I had the money. It was late, but I was less than 2 payments behind and it was within 45 days. We were struggling and it did n't even dawn on me that a company could repossess a car that quickly. It completely shocked me, and after the fact it struck me as unfair.
I am currently behind in payment on my account. I again have been receiving several calls a day after one voicemail has been left. After a voicemail has been left there continues to be calls made on the same day. Today XX/XX/XXXX I have 2 voicemails from them and have the voicemail logs and call logs. I have previously made a complaint # XXXX and this action still continues to happen knowing they are in violation. I want the balance of XXXX taken off due to this 2nd violation.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate,  etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
After an investigated review Paypal had decided to close my account permanently and hold {$6200.00} from me for 180 days. I have complied with everything asked and have confirmed shipment as asked. I have several emails stating that my investigation was completed and satisfied and that my funds would be released. I was also told by several representatives that everything looked good then, I received a horrid email contradicting all other emails and phone calls and was told that my funds would be held. 

PAYPAL CASE ID XXXX
Bank Of AmericaI am in need of your assistancewas there a title report completed 2009? 
was there a property inspection report in 2009, prior or after 2009? 
is the information correct on page XXXX section XXXX?
I paid off my Nationstar Mortgage " in full '' on XXXX XXXX, 2016, as I am closing on my home. I have made it very clear to Nationstar, I DO NOT need the lean to be recorded as I have been advised by my attorney the XXXX will record at closing. I have been reaching out to Nationstar for the past two weeks requesting the necessary document " ORIGINAL SATISFACTION OF MORTGAGE '' ( release of lean ), so I may close on my home. My buyer has already sold his home and his commitment is due to expire. I continue to get the run-around with Nationstar who is sending me letters stating it takes 30 to 60 days " PREPARE '' the Release of Lien ''. " Once the document is PREPARED, it is sent to the appropriate county for recording. 
I would be very grateful for any help you may be able to provide. I though I was being responsible by paying off my mortgage but instead I feel I am being penalized. I must close on my home ASAP so I do not lose my buyer, but I told I can not close without the " ORIGINAL SATISFACTION OF MORTGAGE. I know this can be expedited as I received the Original Satisfaction of Mortgage within two business day. As of Friday, XXXX XXXX, it was confirmed nationstar had not even started working on my request.
Allied Interstate contacted me after I had my attorney deal with Allied Interstate 's Client XXXX XXXX. There was an out of court settlement and the matter is confidential. Regardless there should have never been any form of communciation between Allied Interstate or and any third party agency representing XXXX XXXX XXXX. They ( XXXX XXXX XXXX XXXX was offered a ciece and desist during the confidential communications between my lawyer the collection agency client. The letter should have never been mailed. The debt should have never been sent to Allied Interstate. I believe that this is a form of severe harassment as outlined in US Code 15 Fair Debt, Collections Practices Act. As Allied has failed to respond to many written correspondence. I am informing your office amounf others and my acting attorney at the time for possible litigation against XXXX XXXX XXXX and XXXX and Allied Interstate. I am offering the company Allied Interstate an out of court settlement of {$5000.00} make payable to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX within the next 30 days.
I am applying to buy a house, when I checked my credit report I noticed that there was a recently placed collection agency debt from 2013. I called XXXX XXXX XXXX because that is where the debt is from and they told me to call the collection agency because they did not have my account number on file. 

When I called the collection agency about this debt they asked the usually questions and I found out that they had the wrong name on the account. When I asked if it could be removed I was told to contact the credit bureau because they are the ones that made the mistake. I told them that the bureau only reports the information that is given to them and that the company supplied the wrong name. 

They refuse to admit to the mistake and contact the bureau regarding this matter.
On XXXX/XXXX/XXXX I owed Chase {$110000.00} for my mortgage then they incorrectly added XXXX as a " loan maintenance fee '' which they tell me is the correct amount for compound interest due to my loan modification. I do not think this compound interest is correct and would like this amount corrected -- my original interest rate was 4.87 % pre-modification. At one point my loan was paid down to as low as {$110000.00}. I had a HAMP modification starting in XX/XX/XXXX and Chase would repeatedly lose my paperwork and delay finalizing my modification for 2 years where in the meantime they put my money in a suspense account and racked up " loan maintenance fees. '' 1 ) I do not know where they got this $ XXXX number came from -- even at my pre-modification interest rate the compound interest does not equal $ XXXX. 2 ) Also, the bank should not profit from delaying my modification just to rack up erroneous and exorbitant fees and interest.
I have never paid a bill late nor have i even not paid a bill. As you will see from the attached credit report. My credit has been pulled without my consent of knowledge XXXX times by XXXX on behalf of XXXX cornell and XXXX XXXX. There is no reason at all for them to pull this and I would like them to refrain from ever pulling again. I have never granted them access to my XXXX and they do not have permission to ever pull my credit. I am asking them to CEASE AND DESIST from ever accessing my credit report.
In XXXX 2015 I was sued by Portfolio Recovery Associates. I went to court and was ordered to mediation. At mediation, the attorney for Portfolio and I agreed on a settlement, to which I had 30 days to pay. I paid the debt in time. 
Portfolio will also confirm that it was paid in XXXX 2015. Every single month Portfolio reports to the credit bureaus that the debt is valid with the original balance. Every month I have called, spoken to their dispute department and was told they would take care of it immediately. It has yet to happen. Last month after months of inaction on their part, I disputed the charges with all XXXX credit bureaus. Portfolio in turn sent debt validation, validating the debt in writing to me and to all XXXX credit bureaus, 6 months after it was paid in full. I just spoke to them again, told them they are in violation, and they hung up on me.
I had a hard credit inquiry done by XXXX without my permission and knowledge, please remove this off my credit. It was done on XX/XX/2017.
I have contacted all three credit bureaus repeatedly regarding two accounts one being XXXX XXXX XXXX XXXX the other being XXXX XXXX XXXX/XXXX  that display on all three of my credit reports. They are both unverified and not validated but yet they remain on XXXX, XXXX, and Experian. I have disputed these accounts several times for the past 3-4 months and can not get any resolve. These accounts being listed has had a SEVERE impact on all three of my credit reports and they must be corrected and taken off IMMEDIATELY. I have requested verification and validation several times and received no validating evidence. You are required under the FCRA to have properly verified each and every account listed on my credit reports. I asked for the name of the person from both companies you consulted with, what were the documents used to verify these accounts and where are these such documents, and to provide me with the phone number of the person and/or business address that supposedly verified these accounts as accurate. Still to this day XXXX, Experian, and XXXX have not supplied that information.Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FCBA, FCRA, and other federal statutes.
I have asked Nationwide Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
I disputed XXXX accounts with Transunion credit bureau that were obviously placed in my credit file in error. I received an updated credit report dated XX/XX/2017 that advised me that XXXX Ref # XXXX was deleted and XXXX Acct # XXXX was also deleted the information also showed it was deleted from viewing my account in credit check total. 

Now today a little over a month later both accounts have be re-inserted to my credit which has caused my credit score to drop and ruined my chances of having a loan that i had applied for being finalized.
In XXXX I obtained a private student loan from Navient ( formally XXXX ). I had to apply for a private loan because my ex wife was XXXX with my son and she could no longer work. I had to use my ex father- in- law to co- sign the loan. They promised to take him off the loan after two years as well as consolidate my loans. Its been over ten years and Navient has never helped me in any way. For 7 years I never missed a payment and during the economic downturn in XXXX I lost my job and since then I 've never been able to recover. For all those years I paid {$320.00} every month for both my federal and private loans and now in recent years I have to pay $ XXXX month even though I 'm earning a fraction what I was earning before. They refuse to assist me with reducing my monthly payments or in any other way. They have made the payment process extremely confusing over the years. One representative would tell me one thing then another would tell me something totally different. I simply can not pay {$500.00} per month! I earn minimum wage. even if I 'm a day late with a payment, they call my ex father- in- law numerous times a day and harass him. He 's an elderly man and it XXXX him out. I feel so helpless in this situation! 
Its also obvious that Navient has not been applying my payments to my loans. I have a billing summary from XXXX where my balance is {$25.00}, XXXX. 
My current summary states that I owe {$24000.00}. After making payments for almost three years, my balance has gone down by a mere {$1000.00}. How is this possible? I really want to do the right thing here and pay off the loan but {$500.00} is way too much / month on my salary. I do n't know what to do. I just want them to reduce my monthly payments and leave my ex father-in-law alone.
On XXXX XXXX I request for my credit report and after receiving it I saw collections XXXX XXXX asset, medical data system, and XXXX XXXX XXXX XXXX my report I had no idea who they were, so I start sending out letters to Experian XXXX XXXX, and XXXX XXXX On XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX, i sent certified letters and after a week i was getting emails stating that they verified that the account was mine but not once did they send me any document showing where my signature was on any document. I know that they did n't have the proof because the other two agencies took them off and had they prove it to them they would not have remove them as I requested. I was wondering how in less than 5 days that you verified to Experian but not the other two. I also sent a letter to the agency asking for debt validation and have not received anything from them but they continue reporting these items on my report. I have ask Experian who did they verify this with and what document they had with my signature on it and all I get is that it was verified and to send me a copy. If they can complete the investigation within 5 days why have n't gotten the document sent to me
I applied for a mortgage at a XXXX XXXX branch on XXXX, XXXX XXXX, loan number XXXX, I was approved and received a good faith package in the mail. A week later I called XXXX XXXX to get details of what documents they would need from me but was told the loan was denied due to a pre-forclosure from American Home Mortgage, that was on my mortgage credit history, however when I pull my credit I do not see this so it 's somehow hidden when the cosumer pulls a copy of their credit report and only showsup when creditors pull a mortgage credit report. Also, American Home Mortgagechanged their name form this to Homeward Residential, which my account number was listed under # XXXX, and is now listed under Ocwen Mortgage Servicing, Acc # XXXX. Please note that I have never been in pre-forclosure for this mortgage.. It is my strong belief that Ocwen is allowing this to be reported to keep me from refinancing my current loan that has a high 7.5 % interest rate. I do not see this information when I pull my consumer report, but mortgage companies see and inquirer about it when I apply for credit and have previously asked for an explanation. American Home Mortgage Homeward Residential and Ocwen all have a history or unethical mortgage servicingpractices along and AHMSI and Homeward faced a a class action law suit, one of the reasons they keep changing their name and reorganizing their business.
I received a letter from Trinity Hope Associates, located at  XXXX .  XXXX   XXXX ,  XXXX , NC  XXXX  on  XXXX   XXXX ,  XXXX  regarding a medical debt incurred by  XXXX   XXXX   XXXX  located at  XXXX .  XXXX   XXXX ,  XXXX   XXXX , MD that I had been making monthly payments of {$50.00} up until  XXXX   XXXX ,  XXXX  just after receiving a letter stating that I owed {$93.00}.   I sent a letter to Trinity Hope Associates on  XXXX   XXXX ,  XXXX  disputing the debt with copies of checks that were cashed and written to   XXXX   XXXX   XXXX   for the last 3 month 's of {$50.00} payments for the months of  XXXX  through  XXXX  showing payments were made consistently and requesting a full accounting from them since it was apparent that my monthly checks were not credited properly and letting them know that my last check in  XXXX  should have paid off the account. I let them know of my rights under FDCPA.   I never heard another word from  Trinity  until I received a call from  XXXX  credit protection services letting me know tha t Trinity Hope rep orted negative information on  XXXX   XXXX ,  XXXX .   My husband contact ed Trinity Hope and left 2  messages that they have 10 days to remove the negative information from my credit report. He finally received a phone call from them on  XXXX   XXXX ,  XXXX  from  XXXX  at Trinity Hope who admitted receiving the letter of dispute on  XXXX   XXXX ,  XXXX , but claimed that  XXXX   XXXX   XXXX  still says that the {$93.00} was still owed. He explained that monthly payments of {$50.00} per month were being paid and asked why I was turned over to collections. She basically said that was n't her issue that I needed to prove that I paid {$93.00}. She did not care that monthly payments were being made on the account.   I would appreciate any assistance that you can help in having the negative information removed from my credit report.
I am a Bank of America customer. I have a savings, checking, and credit card with them. I received an alert on my phone that I was charged a {$12.00} fee on my savings account for overdrafting my checking account. I did not overdraft my checking and called customer service. Remind you this is the XXXX or XXXX time that this has happened. I was placed on hold for over XXXX minutes and the representative still could not explain to me why I was charged the fee. I called back and spoke to another representative who was VERY rude XXXX XXXX from Nevada XXXX. He laughed at me for not understanding his explanation. He then said, " the computer system will automatically charge a fee if it THINKS you are going to overdraft. '' This made no sense to me and waived red flags. He then said, " that feature is for people that do not minitor your account as closely as you. '' This raised more red flags. I asked, so if I did n't notice and did n't call in then I would still be charged a overdraft fee, when I actually did not overdraft? I was laughed at and made to feel stupid because he could n't provide an answer that made sense to me. I was transferred to a supervisor, the fee was waived, and the supervisor had to do further research because she could n't provide an explanation either. This seems very suspicious and sketchy to me. It may be a glitch in their system, but I wonder how many Bank of America consumers do not notice these absurd fees? I apparently monitor my account to closely, according to Bank of America representative ; XXXX from XXXX.
I had XXXX dollars on paypal account that was taken out of my account last XXXX. Can you please have the courtesy of resolving this issue by calling me directly and refunding the XXXX dollars I had in my account from a direct transfer service?