WillisBack/dataset-financial-user-claim huggingface dataset:
I had worked with XXXX and XXXX XXXX trying to refinance my loan. Everything was great and they worked hard to earn my business over my current mortgage company which was trying to have me refinance with them. All was great until the loan did not close on time.. which was going to cost me an additional XXXX in interest. Premier Option Mortgage was no longer able to follow through on their promises and I backed out of the refinance as it no longer made financial sense for me. They blamed me for delaying the closing although there was ample time and I was never forewarned that the closing would not occur on time as promised. After I backed out of the loan, they got very nasty!!! They will still not give my current loan company the FHA number so they can proceed with the refinance after multiple calls to them. Other false promises that the company made include they stated that they would reimburse my appraisal fee regardless of whether they were able to proceed with the refinance or not as they were confident they would earn my business. After the deal fell through, they are stating that they never stated that and will not reimburse for the appraisal as they had previously promised. Also, before I pulled out of the deal, XXXX had promised that he would pay {$500.00} towards the first payment and later told me he never said that. Luckily that was in writing and then he pretended he did not remember. I have XXXX concerns ... they will not reimburse the appraisal as promised and more importantly, they will not provide the FHA loan number so that I may finalize my refinance. They make false promises to get people in the door. I wish I had recorded my phone conferences.
I was attending XXXX University ( online ), my term started XXXX/XXXX/15 and ended XXXX/XXXX/15. On XXXX/XXXX/15 I informed my student advisor due to a XXXX and health factors I need to drop out of school. After having to call again on XXXX/XXXX/15 because no action was taken and speaking to XXXX different student advisors and XXXX financial advisors I was able to drop my classes and was told I had to pay before I could attend classes again which I was fine with. XXXX/XXXX/15 bill from XXXX University showed no charges and the XXXX/XXXX/15 bill showed the charges for the classes I dropped. On XXXX/XXXX/15 I got a call from Van Ru Credit Corporation stating I have not paid my bill in 131 days ( which would be XXXX/XXXX/15 ) and the XXXX term that I owed for did n't even start until XXXX/XXXX/15. She also stated that at 135 days that they would start tacking on interest and report to credit bureaus as bad credit. I tried to work with XXXX University where XXXX people there and XXXX people at Van Rue Credit told me that they were not a part of XXXX University and they could n't help me. So I did n't even have a bill saying what I owed until XXXX/XXXX/15, was threatened that I only had 4 days to pay on XXXX/XXXX/15 or it would be reported to credit bureaus as bad credit, and that I had n't paid in 131 days even though the classes I was paying for had n't started till XXXX/XXXX/15 which was only 86 days from the first phone call I received about it, and only 3 days from the first bill I received regarding the debt.
XXXX  has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANT XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that DIVERSIFIED CONSULTANT was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Sent in three dispute letters starting XX/XX/XXXXXX/XX/XXXX to all credit report agencys regarding accounts (   XXXX acct # XX/XX/XXXX ) ( XXXX acct # XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX acct # XXXX ) ( XXXX XXXX acct # XXXX ) accounts not mine please delete it. Put a fraud alert on my account due to my name being used, credit agency is not verifying these accounts. Just sent in a final letter XX/XX/XXXX, notarized stating I will press charges. Please remove accounts immediately. Also XXXX acct # XXXX, never late on payment, and never late with account XXXX XXXX XXXX  acct # XXXX
I have already received my credit report from Trans Union. I disputed XXXX incorrect addresses showing on my Trans Union report. They removed XXXX but not the other. I filled out a form and mailed to them to remove the XXXX address *that i had already requested* no response, no correction. I am now trying to view online and start a dispute, AGAIN, over the SAME 1st request. Now Trans Union says credit reports are not available at this time. This credit agency is a farce.
I signed up for a credit card with usaa. They offered me a secured account of XXXX. On XXXX XXXX XXXX I deposited XXXX and they said after 2 yrs, I would go from secured card to a secured platinum master card account. On XXXX XXXX, XXXX I made a XXXX purchase and on XXXX XXXX they withdrew XXXX annual fee. On XXXX XXXX XXXX I paid XXXX securing my balance back to XXXX. Between XXXX XXXX to XXXX, I questioned a few times why I had problems using my card, and no reflection of my XXXX deposit. Each time I was told my payments were not due until XXXX XXXX, and the XXXX was posting on the XXXX XXXX, XXXX. 
On the XXXX XXXX and XXXX, I made purchases totaling XXXX and expecting to pay them in XXXX XXXX. On XXXX, I looked at my account and FULL PAYMENT was due in 2 DAYS and they changed my account to the platinum master card, only I had to USE it like a DEBIT CARD, which I already have. This not what I signed up for and asked to return or prorate my XXXX which they refused. I closed the account, and would like my XXXX thank you
A wrong name and address is listed on the credit report under my personal information. 
The following personal information is not me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
On XXXX XXXX, 2017 via return receipt I sent Security Credit Systems a letter asking them to verify a debt that was on my credit report of {$290.00} and a complete itemized accounting of this debt. Telling them if they could not provide this to delete this from my credit report. They sent a another bill for XXXX with o details of what constituted that amount. I then contacted XXXX via return receipt and asked them to remove this debt as Security Systems failed to verify what this debt was for. XXXX said they contacted them and the balance is being reported correctly, they did not address that it could it be validated with an itemized statement of services. I am asking you to please contact Security Credit Systems and XXXX and have them remove this debt from my credit report. Please see attached documents as proof of my case and requests. Also that the XXXX XXXX court requires in a ruling that itemized accounting is required to validate a debt. Thank you.
I am contacting regarding the following three cards from BofA : ( 1 ) XXXX There was a {$19.00} credit on my account before XX/XX/XXXX last year and the credit was gone after. A transaction named " CREDIT BALANCE REFUND DEBIT '' was posted on XX/XX/2016. I have no idea of what it is. I never requested for the refund ; I did not see where the refund went either. <P/>( 2 ) XXXX The customer service gave me wrong information about my autopay setup and it prevents me from calculating and meeting the spending request of the welcome offer. I was confirmed a few times by the customer service that I had set up autopay successfully. However, I have been charged late fee and interests multiple times after that. Though they agreed to waive those fees, the inconsistency confused me with the calculation of my spending amount in the given period specified by the welcome offer. I calculated using the payment amount with the assumption that the payment amount should equal to the spending amount ( as the customer representative told me that autopay 's been set up correctly. However, there is discrepancy between them for either the wrong info provided by the customer service or issues with BofA autopay system and hence the spending amount was calculated wrongly ( I missed by ~ {$20.00} ). After finding out this issue, I immediately filled up the difference by spending another {$40.00} in XX/XX/XXXX and tried to contacted BofA. I received a voicemail from BofA during the winter break when I went to another country. I tried to call back and left a voice message but never heard back. <P/>( 3 ) XXXX I should have received a companion pass after paying the annual fee. I did not get anything.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled informing those affected by this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via the news. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
To whom it may concern : Back in XXXX XXXX, I was laid off from my job at XXXX XXXX for a year. My last mortgage payment was XXXX XXXX. 
While urgently trying to seek employment I worked every week for over a year with BOA in hopes to secure some sort of modification and/or assistance, since I was unable to make my mortgage payments. For the first XXXX months, I depleted savings and borrowed money from family and friends. Unfortunately, after XXXX+ phone calls, emails and letters to the BOA , FL State Attorney General, Congress , XXXX, Office of the Comptroller of the Currency, etc. the list goes on and on I could not get anyone from BOA to assist me properly. 
Finally, in XXXX XXXX XXXX XXXX hired me back but the job was a project based in XXXX. I left the United States XXXX XXXX and returned XXXX XXXX. 
I hired an attorney to assist me as I was not getting anywhere with BOA to modify the loan. There were times I was told I was approved, I sent payments that would be returned. Then XXXX XXXX, we were due to go to mediation and BOA dropped the lawsuit stating my loan was satisfied ( see attached ). My attorney attempted numerous times to contact BOA to advise them of the mistake and no one would look into the situation. 
I then was contacted by BOA XXXX XXXX stating I needed to bring the loan current. I worked with my attorney and submitted several application packets. 
XXXX XXXX, XXXX we met for a response to complaint unfortunately I was faced with another lay off as of XXXX XXXX, XXXX and found a job in XXXX XXXX but recently changed to XXXX XXXX XXXX XXXX. 
I would like to retain my home and have recently had a motion to withdraw my council in hopes to work together more efficiently. I have a HUD counselor but I 'm not getting too much support. 
My intention was NEVER to drag this process out. I logged XXXX of calls, XXXX of applications and received promise after promise but now they have an XXXX XXXX, XXXX forclosure date. 
My loan was a no docs/interest only adjustable loan with Countrywide. There were XXXX class action law suits that I quailed for additional funding support and BOA has repeatedly ignored my request. 
If you have any questions or require further information, please do not hesitate to contact me at XXXX. 
Thank you for your consideration and I appreciate any help you can offer me.
Dear Sir, On XX/XX/2018, Experian placed Fraud Alert on my credit report without my notice using my identity, also mentioned as consumer statement. I have no idea, how did Experian place so called XXXX ID security and fraud alert. Experian responded to CFPB that Experian received the fraud alert dated XX/XX/2018 from one of the credit bureaus. I have membership in all three credit bureaus and verified the details of XX/XX/2018 Fraud Alert. XXXX XXXX received the fraud alert from Experian and there is no other credit burerao initiated the fraud alert. I have all three credit bureaus reports for last three weeks, only Experian initiated the fraud alert dated XX/XX/2018. Also, I have only one credit card open with minimal balance and there are no Auto/Home loans. Experian must provide the details of this fraud alert datedXX/XX/2018 and also any fraudulent company placed this fraud alert or anyone stolen my identify and placed this identity. I have also uploaded my identification details, SSN and various details to Experian multiple times through CFPB.I have communicated to experian that Experian holds that complete legal accountability and responsibility for placing this kind of fraud alerts and mixing my SSN, there should not be anyone who is associated to my social. Could CFPB kindly direct Experian to remove this fraud alert immediately from credit report without further delays. Could CFPB to direct Experian to provide the complete details of this fraud alert dated XX/XX/2018 and source of this fraud alert, any fraudulent creditor or bank used or any unauthorized company used my identify and placed this alert. I have also observed in Experian credit report, company called " TRUE LINK '' did soft inquiry onXX/XX/2018. I do not have any business with " TRUE LINK '' and why did they do any inquiry using my identification and social. " TRUE LINK '' inquiry is fraudulent inquiry on my credit file and I do not have any business and its completely false inquiry and how did Experian allow fraudulent companies to use my identity.
In XX/XX/XXXX I requested through XXXX XXXX to lower my payment. I was told that the loan term would be extended out and would remain around $ XXXX monthly. In XXXX XXXX I was notified by the new Servicer, Navient, that my payment was increasing from {$69.00} to {$320.00} a month and that it was not going from interest only to principal and interest. I have been disputing this increase since I was first notified in XX/XX/XXXX. I also asked my cosigner be released as I have been paying timely for about 8 years and only 24 monthly payments are necessary to take off a cosigner. I was told because I was on interest only, I could not take my cosigner off the loan because the payments needed to be full principal and interest which again was never disclosed to me. Navient has sent me letters they are researching the matter but have not sent me anything in writing as to their decision. Finally last month I was advised that they listened to a call from XX/XX/XXXX and it was not clear I was explained the terms properly. On Thursday after being on the phone for an hour an a half they realized I should never have been on interest only but said they can not go back in time and only forward. They will not disclose their findings in writing. They offered to extend the terms of my loan only lowering my payment to {$200.00} a month. If i wanted a rate reduction my cosigner would need to call. He called and I was told they can not reduce me at this time because my expenses are too high. I am once again on a forbearance but interest is continuing to accrue. I was originally told in XX/XX/XXXX my payment would be {$69.00} a month because the terms were being extended out and once again the same thing in XX/XX/XXXX. I can not afford {$320.00} a month or {$200.00} a month and these errors by XXXX XXXX and Navient need to be resolved and my debt reduced.
Wells Fargo authorized and paid a POS transaction from my account. This over-drafted the account and I was assessed an overdraft fee. Additionally, a subsequent charge was authorized, paid and an overdraft fee assessed. 

I have not opted in to overdraft protection with Wells Fargo making this is a violation of the " opt-in '' requirement rule instituted in 2010 that requires that consumers agree to overdraft protection in order for a bank to be allowed to charge over-draft fees. The proper response to the pre-authorization request would have been to decline the authorization. 

I demanded the over-draft funds be reversed on Friday but have gotten no response. 

I am filing this complaint because this is not the first time Wells Fargo has assessed overdraft fees in violation of the opt-in rule. I believe there is a systemic practice of charging these fees knowing that consumers are not aware of their rights and as a result will not seek to have them reversed. 

Additionally it appears that Wells Fargo may have recently updated it 's overdraft protection service and automatically opted me ( and I am assuming other consumers ) into the program without the affirmative consent required by the opt-in rule.
Contact the hospital like I asked them but they refused to see I do n't owe any money never did the hospital bill was paid but they switched payment systems so they put my money in the new system which it should have applied to old system. Remove this from my report immediately l
This item has been reporting on my credit unlawfully. I am attaching proof that I sent them a letter requesting that they prove that I owe them this debt the same proof that they are required to have under the law. I have received no response at all. No documents bearing my signature, and no proof that they can legally hold me accountable for this debt. This company is also committing identity theft as they have opened an account using my name without my consent. I have sent a letter to their XXXX and I am also contacting the FTC. My next move will be a lawsuit.
Mid XX/XX/XXXX, my husband received a call from Dynamic Recovery Solution stating that we owed on from XXXX. The account they are referencing has been settled and paid and isn't even showing on my credit report. I can provide documentation that the debt was in fact paid and they continue to call and send messages. 

They then sent me a letter with the same information on XX/XX/XXXX. I contacted them and inquired about this. They again referenced the same account that we had paid. They stated it was past the statutes of limitations. I asked for them to send me documentation of said account and they said they could " put in a request to their manager '' to have that information sent to me.
I spoke with XXXX XXXX of the Drew Eckl & Farnham firm on XXXX the XXXX. I asked for a debt validation that day through email. I reached out again on the XXXX of XXXX requesting the debt validation. He could not provide the validation either day. 

I reached out again to the XXXX XXXX firm on XXXX the XXXX of 2017 requesting it again and they could not produce a validation of debt. 

I then called/email XXXX XXXX on the XXXX the XXXX of 2017and was cc 'd on an email with XXXX XXXX and XXXX XXXX to produce the debt validation and they could not provide that for me. 

I called XXXX XXXX and XXXX XXXX of XXXX XXXX of 2017 and they refused to send me any debt validation. 

They continue to report the debt to the credit bureau agents and continue to request payment but have refused to send any validation of debt over a span of 3 months and a total of 5 requests.
On XX/XX/2017 commerce bank sent me a letter stating that they had projected my escrow a account incorrectly my taxes and insurance went up XXXX  dollars each they dropped the ball and didn't adjust the difference in my payment to escrow also I paid in XXXX and they disbursed XXXX which leaves XXXX they said they're was only XXXX left which is incorrect then I've had them for several years and never a problem with escrow now they said I am XXXX short on my escrow and I either need to pay the amount in 30 days or pay and extra XXXX dollars a month on my mortgage which Is ridiculous my wife is XXXX I work full time but we are on a tight budget I can not afford this big of a change in payment
I have a GM Mastercard issued by Capital One. It was caught in ANOTHER hack of a major retailer, and Capital One called to tell me this, and to tell me they are sending a new credit card. I asked if it would be the chip type, and they said no, they are not doing that until next year. I realize that the credit card companies have been fighting the move to chip cards for years, but you finally started issuing them. But Capital One 's decision NOT to issue chip cards until next year is, frankly, complete and utter contempt for the safety of consumer financing ... ..all the keep the extra {$1.00} or so a card that this costs.
This company reported to my XXXX credit reports an account and after disputing it about a year ago, all XXXX credit reporting agencies deleted the account on or about XX/XX/XXXX. On XXXX XXXX and XX/XX/XXXX, the same collection company started sending me demand letters AGAiN. Last week I realized they illegally and purposely re-reported to the credit reporting agencies, resulting in my score dropping XXXX points. This also resulted in a home loan application being denied. I disputed the account with XXXX and they deleted it AGAIN, the next day, XX/XX/XXXX. I then received a XXXX demand letter from them. Although they refer to themselves as Retrieval Masters Creditors Bureau , Inc, they have the same address, account, amount, etc. As the original collection company that I originally disputed and was subsequently deleted by the XXXX credit reporting agencies. 

I have all my records and proof of their shady dealings And putting them on notice that I am retaining an attorney to Pursue them for financial compensation for the time, inconvenience, defamation and financial injury from their deliberate actions. Not to mention, filing a complaint with the state General Attorneys Office for illegal and unfair practices.
I 'm in the process of repairing my credit and disputed information against XXXX XXXX ( Virginia ) around XX/XX/XXXX they sent to a collection agency. The information was overturned in my favor. I checked my information this morning via XXXXXX/XX/XXXX and noticed XXXX XXXX has sent the collection through via another Collection Agency ( I C Systems XXXX XXXX, MN )