WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX, we found out that both of the homes we owned were filed as primary residences in XXXX locations in Michigan ( XXXX & XXXX ). When we purchased our home in northern Michigan, we did not know that our status in XXXX was not changed to a secondary home. When XXXX found this to be true, we were penalized and the taxes due as a secondary home were collected from us ( out of pocket - not as an escrow part of our mortgage ) by XXXX 's assessor. Due to medical issues for our daughter ( XXXX and ongoing issues ), we relocated back to XXXX when a job opportunity arose in early XXXX. Immediately, we told both location ( XXXX & XXXX ) about the change that would occur. XXXX would become secondary and XXXX would become primary. The city assessor also submitted papers to our XXXX Mortgage Loan Provider ( a HUD loan now with UXXXX ). Multiple phone calls and emails and submitting and resubmitting paperwork, and it is now XXXX, and XXXX still REFUSES to adjust the monthly payments to reflect XXXX as a secondary home. We have been calling since our move in XXXX and after. The monthly payment was nearly {$1000.00}, but it was based off XXXX being a secondary residence, which it is not ( with taxes escrowed ). U.S. Bank has been derogatory and difficult to work with. They have told us they have cashed our monthly payments ( all have been paid ), but they refuse to accept the monthly payments for the amount we are sending ( closer to prior amount when XXXX was a primary home ). We have received the run-around and the refusal of XXXX to correct the monthly payment, even with the repeated support of XXXX 's assessor resubmitting the necessary documents, along with us. I am so disappointed in how XXXX is treating us. We have had our loan with them since nearly XXXX? In an attempt to make sure they have no repercussions for this behavior, they repeatedly do not follow through on promises to send a corrected bill, they have turned us over the debt collection ( even though they have received monthly checks and cashed them ), and they sold our mortgage this week. I refuse to let XXXX treat us in this manner without filing a formal complaint and following the appropriate legal steps so that they do not do the same to others. This has been hours of our time and energy, that could be spent with our family or providing for our family - instead we are attempting to get a giant company to stop lying and not following through with an adjusted rate for a hard-working family that has been their customer for years. I highly recommend that no one uses the services of XXXX.
I contend that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addressee unknown, knowingly and deliberately circumvent fair credit reporting laws to illegally collect on expired debt more than seven years old and continue to report these closed accounts as late payment to degrade my credit. It is my contention that these companies are buying and selling old debt that has expired. These companies attempt to collect on it by erroneously reporting to all three credit reporting agencies the debts are still active and viable by changing the dates of when the accounts were closed or not including the companies owed originally and by selling the old, expired debt. The new buyer of said debt uses deception by not reporting when debts last had proof or payment to the original account holder. XXXX XXXX XXXX does not list any of the original account holder 's information. It is unverifiable. The credit bureaus do not test nor verify the information provided to them, only report it. The result is multiple tradeline entries on my credit report for the same old, expired debt ( Midland Funding, XXXX XXXX XXXX XXXX and possibly XXXX XXXX XXXX XXXX Midland Funding sued me in court ( Crown Point, Indiana XXXX in XXXX over old debt, then removed it from my credit file. Midland Funding lied about what accounts they held. I have my old credit reports as proof.
I had a lot loan with Wachovia bank. It was a 5 year interest only loan. I did not realize it was interest only until I noticed no principal reduction was occurring ... ... ... .this was certainly my fault. I was in the process of re doing the loan with Wachovia and they went out of business. I found out that wells fargo had inherited the Wachovia business. Wells had no idea, at the time, about my loan and it was very difficult to get anyone to recognize I had a loan outstanding. I stopped paying on the loan and I figured I would hear from someone. I finally heard from the mortgage collection department. I told them that this was a lot and had no house on it and I wanted to refinance it that also included principle reduction. After months of talking to many people I was told wells did not have a lot loan department and I had to deal with them. This seemed wrong but I tried to work with them. It was also odvious I was not going to be able to refinance this lot. All the people I was dealing with were interested in was collecting. I was continually told if I did n't pay they would ruin my credit reports. I was concerned about this and I was willing to work some thing out. 
I was dealing with a man by the name of XXXX XXXX in the home mortgage collection department. I had worked out a repayment plan that required {$19000.00} lump some payment and then {$480.00} a month until the loan was paid off. I have a copy of this agreement. 
I agreed to this, I made the {$19000.00} payment and was ready to move forward. I found out that several days before I received repayment agreement plan wells had foreclosed on the loan. This of course went on my credit reports and has been a burden to me. 
I have made my payments on time to wells and have in fact paid this might mare off. I have a lien release and a letter stating this loan has been paid off. 
I am requesting that my credit reports read correctly, that the loan XXXX is paid, just like the letters state I have from wells. I also request that the fore closer is dropped from my credit records. This report is almost 7 years old and needs to go away. 
Thank you for your attention in this matter ... ... ... 

XXXX XXXX. 
.
Chase bank was informed by a relative of mine I would be unavailable for a length of time due to being hospitalized and other events in my my life. They were asked to put a temporary hold on my account because transactions would be presented. All previously agreed upon. Chase ignored the request and let items be presented against my account resulting in profitable fees. Upon my return, I called chase. The Chase bank phone representative told me to please hold. The Chase phone representative seemed to have forgotten to push his mute button on his headset. I over heard his conversation with a co worker as he was expressing that I am a, " XXXX customer and XXXX veteran '' Chase reversed a small portion of the fees later but unfairly refuse to help further more
XXXX XXXX is attempting to collect on a debt I do not owe. I did not know that they were trying to collect on this debt until I checked my credit report. This debt is not mine and I demand they provide proof with something baring my signature. I have not received any documentation on this debt. I did not receive my 30 day right to dispute, and it has already been added to my credit report. This is in clear VIOLATION and should not be on my credit report.
So at XX/XX/19, JP Morgan Chase closed my credit card and refused to tell me the reason. 

I already communicated with them and they told me it's because of new bank policy. Some of my friends had the same thing recently. We are thinking of JP Morgan Chase is having major issue with their credit card service or they are discriminating clients. I never used this credit card to do any improper things, and I couldn't think of any reason why they would close my account.
I have previously submitted a complaint #  XXXX  on  XXXX  that is still ongoing. The complaint is in regards to mishandling/misapplication of my payments among other issues. Since Huntington has taken my mortgage loan over from  XXXX   XXXX  there have been many issues that led to the original complaint. Because of the nature of those issues, I certainly do not want to keep handing money over for them to continue to be mishandled until the issue is corrected. I have since been receiving calls, letters, messages, even though I have stated very clearly that I have the open complaint and explained the nature of it and why I do not want to make further payments until it is corrected. The calls and letters are still continuing, with another call and a letter this morning. I do not find it unacceptable to have their collection department calling and mailing me like I have done something wrong- the reason I have not made recent payments is because the last time I made a payment on  XXXX  ( after I had told them there was an issue ) I was assured the issue was corrected. Except it wasn't- they said that just to get money then misapplied it as I was promised would not happen. I should not be responsible for or harassed because of the length of time that it is taking them to correct it.     On an even more concerning issue- the person I spoke with on  XXXX  that called to 'collect the payment ' showed that there is a deep issue within the company and/or with my loan. He stated over and over- and over- again that my loan is an interest only loan, except it is not. No matter how many times I said it was not, he repeatedly told me it was and that my complaint is wrong and I just need to pay because that is what I owe and 100 % of my payment will go toward interest. The obvious issues here are ei ther 1 . He is just saying anything to try to get money, including telling customers completely wrong information a bout their loans and even telling them they have a different loan type than they do, and/or 2. Huntington has indeed changed my loan type to an interest only loan, which it is/was not. This is a horrible tactic and one that would certainly confuse or scare many customers that may not be knowledgeable about their loan, particularly in something such as an ARM loan. Whether he was lying to try to get money or Huntington has taken it upon themselves to change the loan type, neither is acceptable.
Received paperwork that stated I have been summoned to court due to not paying a student loan opened in 2004. I do not recall every taking out a loan for this. I've never received anything in the mail requesting payment. I've checked my credit report, and it's not on there.
I have received a line of credit of {$1500.00} from cashnet USA. They was charging interest on my account everyday until it got up til {$1900.00}. My first payment of almost {$200.00} did n't go towards non of the loan. My next payment of {$280.00}, they charge {$160.00} in interest the rest towards my principles. They take {$290.00} out of my account every XXXX weeks. So they are charging extra interest towards this loan. My balance as of today is {$1700.00}. If I make the payments accordingly to how they are taking the money out of my account, I will pay them over {$3000.00} for a {$1500.00} advance credit loan.
ATM Skimming device placed on XXXX MA, XXXX between XXXX XXXX and XXXX XXXX. Bank statement outlined " CASH WITHDRAWAL XXXX XXXX XXXX XXXX XXXX XXXX US . on XXXX XXXX at XXXX XXXX. '' Santander alerted me via snail mail that my debit card may have been a victim of fraud and it was disabled. After noticing charges being declined, I called them up XXXX XXXX to inquire as to why, and immediately reported the XXXX ( not including fees ). That were stolen from my account. After responsibly, and honestly answering their questions, they denied my claim based on the fact that only I knew the PIN ( which could have easily been captured by a skimmer ), and that the withdrawal happened near the area which I work ( obviously, I am in the financial district ). Without notifying me, I only had XXXX appeal so I could prepare more evidence ( they demanded yes/no answers initially ), they denied my claim and refuse to reopen it. Santander does not protect their consumers as they claim to do.
I am concerned and would like to bring this to light. I applied for a home loan with Guild Mortgage, XXXX XXXX branch. The Loan Officer was XXXX XXXX, who is also the branch Manager. What concerns me is I never met with him. I met with his assistants, XXXX and XXXX. They reviewed my documents, went over a loan scenario with me, quoted me interest rates, my payment, down payment, etc. I asked when I would be meeting with XXXX since his name was on all of the douments I was signing, and was told he was not available but they were his assistants and they could help me. I asked XXXX why her name wasnt on the forms she said she was not a licensed loan officer and XXXX was the licensed loan officer of record. I asked if XXXX was licensed since she was the person explaining all the forms I was signing. She also said she was not and didnt need to be. That made me feel very uncomfortable. I had XXXX unlicensaed people explaining all the legalities of my loan to me, yet the actual licenseed " professional '' was no where to be found. I would like to know if this is normal practice?
Navient refuses to lower my monthly payment on my private loan ( such as lower/no interest rate/lower monthly rate ) so that I am able to pay them while meeting my other obligations. I have already informed them that my income of $ XXXX/month does not allow for nearly any discretionary income, but instead merely pays my bills. My student loan principal has already accrued 50 % interest on top of the original amount, but Navient wants more money ( Currently pay them $ XXXX/mo interest only for a year only and then $ XXXX/mo ) and will not negotiate a more reasonable income based repayment plan.
I have submitted information and spoke to managers @ XXXX  and they continue to deny or ignore my requests. They have failed to provide me with proof that XXXX XXXX XXXX is the person that authorized the inquiries.
I checked my credit report in XX/XX/XXXX. I saw a from XXXX  XXXX saying it was owed to a company name speedy cash in the amount of {$590.00} from XX/XX/XXXX. I sent the company a letter XX/XX/XXXX certified mail asking them to send me the contract I signed and to validate the debt. They sent me a letter stating it is valid and a contract with my name printed on the form with an address that does not belong to me. This debt has not been validated and they refuse to remove it from my credit report.
Found this item on my credit report, and I never had this account. I am disputing this account I never had this account.
This is my third attempt to get this rectified In accordance with the Fair Credit Reporting Act Section 609, Section 611 and Section 604, I am requesting that you DELETE the following INQUIRIES as I DID NOT authorize them : INQUIRY XXXX XX/XX/2018 INQUIRY XXXX XX/XX/2018 INQUIRY XXXX XXXX XX/XX/2018 INQUIRY XXXX  XX/XX/2018 INQUIRY XXXX  XXXX XX/XX/2018 INQUIRY XXXX XXXX  XX/XX/2018 INQUIRY XXXX XXXX XX/XX/2018 INQUIRY XXXX XXXX  XX/XX/2018 INQUIRY XXXX XXXX XX/XX/2018 INQUIRY XXXX XXXX XX/XX/2018 INQUIRY XXXX XXXX XX/XX/2018 INQUIRY XXXX XXXX   XX/XX/2018 INQUIRY XXXX XXXX XX/XX/2018 Furthermore, In accordance with the FCRA, I request A detailed explanation on how you conducted your investigation, the names and addresses of the businesses you received your information from in relation to the investigation. I request all of this information within 30 days. Also, I would like a corrected copy of my credit report! 
Sincerely,
I rented a car when visiting my mother in XXXX, Texas, several months ago. I returned the car to the airport when I flew home. First, I received letters stating I needed to return the car. I contacted XXXX and stated that I had returned the car. I had to fill out paperwork while at the airport because my mother 's neighbor backed into the car, and I listed her name and insurance information as the responsible party. The neighbor 's insurance agent had called me, accepting responsibility and giving me all the pertinent information to turn in to the car rental company. Then, I get a bill for {$800.00} for the damages. I sent another letter explaining everything again, with all the insurance information I had already given them for the damages. 
Now I get another letter dated XX/XX/2016, demanding payment and warning of collection efforts. Here is a copy of the letter I sent them : Viking Billing Service XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear XXXX XXXX : This letter is in reference to your letter requesting payment for a claim, number XXXX. I have no idea what is going on with XXXX. First I keep getting letters to return the car ; now I get a letter requesting payment for a claim. All the information was on the paperwork when I returned the car. 

When I returned the car, I stated on the paperwork that the neighbor backed into the car and she gave me her insurance information. I spoke with the insurance company, and the company accepted responsibility. Obviously, XXXX not only had lost the car ; the paperwork also vanished. 

Here is the information again. The insurance company is XXXX ; claim number is XXXX. The insurance agent 's ( XXXX ) number is XXXX x XXXX. 

I have been in XXXX and just now opened your letter requesting payment. I have never had such an experience with a car rental agency, especially with one as well known as XXXX. 

Sincerely, Please advise how I can stop this harassment.
On XX/XX/2018, I've sent the dispute letter to Experian. 
Even though I explained this alleged debt, there was no change. 
Experian must delete this alleged debt with my evidenced documents as XXXX XXXX did. 
However, they just added one word, " Updated ''. 

For a brief explanation, The credit report issued by Experian contains incorrect & missing information on this alleged debt. 

1. At First, as you can see the attached document, the race of patient is written as XXXX. Im an 100 % XXXX person, not XXXX at all. This incorrect information makes this debt not trustful and unreliable. No one will believe this debt belongs to me. 
My parents both are XXXX  as well, even my grandparents too. 
XXXX and XXXX have so much difference in looking such as skin color, eye color, hair color, and etc. 
Assuming Id be related to this debt and be a real patient, it should have shown XXXX, not XXXX. 
Indentifying race between XXXX and XXXX is not a big problem. 
For your information, Ive attached the proof document that my race is regarded as XXXX. 

2. Additionally, there is no critical information in the document they provided. 
There is no SSN or any critical information. 
The FDCPA states they must cease collection activity until they have produced verification of the alleged debt if so requested. 
As per the FCRA, if no proof of debt exists, it may not be reported to the credit reporting bureaus. 

As shown above, I've requested Experian to delete the alleged collection debt. 
Along with the same documents I sent to Experian, XXXX XXXX has removed this debt on their credit report. This is not mine and I don't owe any debt to them. 

As a result of this dispute, they put just one word " Updated '' on the credit report. 

After getting the update, I tried to check what content or information was changed in my credit report. 
However, there was nothing. " Nothing '' was updated or changed at all. 
I have 2 credit reports by Experian. One is before sending a dispute. 
Another is the final version of credit report Experian just sent me after the end of dispute with it. 
There is no difference between 2 credit reports at all. 
I'm 100 % sure they didn't work at all with my dispute.

They just put the word " Updated '', and nothing was changed. 
I've tried to dispute this result. However, I was denied by them on their website. 

I've attached those 2 different credit report for a comparison and other proofs. 
Please request Experian to properly work as the law requires. 
Thank you so much for your work.
My Husband XXXX XXXX and I previously remitted complaint XXXX and was under the impression based on the company responses this matter was resolved. The Attorney who responded stated I am likely confusing the account with Capio with the XXXX account as to the Capio Account WAS CLOSED as a result of the CFPB complaint last year!! I would like to point out the facts in the response from the Attorney were FLAT wrong!!! Please see the pictures of the collection notices I received and I will subpoena their internal call records if needed! My facts were NOT incorrect as to I spent HOURS of arguing with Capio on the phone then more writing my complaint! Since Capio did the right thing and CLOSED the account, I did not rebuttal the response. 

There is then Complaint ID - & XXXX Please note ALL OF MY ORIGINAL COMPLAINTS SPOKE TO BOTH ACCOUNTS WITH CAPIO!!! Please see the enclosed screen print of the response from the Attorney where again it is stated Nonetheless, in light of XXXX XXXX complaint this account has been closed, credit agencies notified to delete any relevant information and CAPIO PARTNERS WILL MAKE NO ATTEMPTS TO CONTACT HER REGARDING THIS ACCOUNT. 

All accounts stared with XXXX XXXX. To help simplify this while I waste MORE TIME, please see the following! 

ACCOUNT 1 XXXX  Account # - XXXX Capio account # 1 XXXX, Capio acct # 2 XXXX ( Notice two Capio acct Numbers ) ACCOUNT 2 XXXX XXXX XXXX, Capio account # XXXX. 

It appears only account stated in # 2 they closed as to I have not heard a word about this one, yet OUT OF KNOW WHERE are harassing my husband and I over Account # 1 stated above! 
Not only is Capio Partners still violating consumer protections laws and their own agreement to close the ACCOUNTS, they only closed ONE of the TWO referenced in EACH Previous complaint, and they are now even more so practicing in a UDAAP manner. My husband and I began to receive collections calls for collection account # 1. Please Note the old account number from Capio as stated in my previous complaint that they advised this matter was resolved was XXXX. When I received the calls, I explained this matter had been resolved through my CFPB complaints and the first hung up on me, We then called back and they said Well, the account has been moved to a different department and we are now pursing this. The account number has now been changed to XXXX. Pictures are enclosed for all bill for reference. How / why did this company let this matter go resolved for months on end then all of a sudden transfer the debt to another department and tell me I now owe the debt??? This medical bill was for my SON as explained in the previous complaint. Capio is practicing in an Abusive and Deceptive Manner. They are using trickery by changing account numbers to now say an invalid debt is owed. They are now using a new account number to report an account to the credit bureaus that had already been disputed and removed!!!! If I haft to take out a second MTG to pay for a lawyer to stop this company and their abusive acts and practices, I will! 

I would like for Capio to close BOTH accounts as initially agreed upon and STOP harassing my Husband and I!
I have not been able to log on and manage my finances since XXXX XXXX. 
I called Capital One and she she told me it was my browser. 
But i tried everything and its still not working. 
On XXXX XXXX, I called and spoke to a Capital One supervisor. She claimed that their back office somehow dropped my user name and will work on fixing it within 10 business days. 
On XXXX XXXX, i called again. 

I have been informed the male supervisor that he can not do anything else. He have no compassion or care about my situation. 

On top of that he said i have to wait another10 days from XXXX XXXX to see if they can fix this issue. 

How can an online bank do this kind of things to a customer? 

I lost my confidence in this bank. 
Their management team have no emphathy and DOES NOT value customers!