WillisBack/dataset-financial-user-claim huggingface dataset:
I filed for bankruptcy in XX/XX/XXXX, almost every account ( except one ) on my credit report put account status closed, XXXX balance, included in bankruptcy. The collection company was included in the bankruptcy and shows account included in bankruptcy, but shows on my report as account OPEN and the Balance of XXXX ... the collection company has been called in XX/XX/XXXX and XX/XX/XXXX. I also contacted Transunion in XX/XX/XXXX and XX/XX/XXXX of this year through calls placed through the XXXX number and disputed through XXXX XXXX and Transunion but nothing has been done to change the status to Account closed and Account type Collection and Date closed : to a XX/XX/XXXX date which should be XX/XX/XXXX or XX/XX/XXXX. All my disputes were denied and here I must mention I also disputed in XX/XX/XXXX ... As I have done what I could. I pray you can help. 


Thank you,
I get some medicals bills who was send to collection without my knowledge. I was with XXXX and always paid my co-pay to each of my visits. I never received any invoices from medicals institutions asking me to make any extra payments of {$100.00}. I want all this medicals bills to be removed and a XXXX balance also I want the collections to be removed. I request that the collections calls to be stop, I am on the Do not Calls List and still received some blocked number or XXXX all the time. Simon 's Agency inc get XXXX accounts with different amounts due report to my credit reports.
Multiple dispute attempts have been made to Transunion and XXXX to delete information this is not mine off my reports.
.Re : Everhome/Bank Mortgage This notice is intended to support the dispute regarding Everhome Mortgage. The disputed information is regarding the 120 days late posting. The late posting was the result of Everhome. Despite attaining a buyer XX/XX/XXXX, Everhome delayed closing until XX/XX/XXXX. During this time, I was informed that payments were not to be made during acceptance of a Short Sale. Post the short sale, I realize that the home was listed as a foreclosure and contacted Everhome numerous times, without resolve. 
The home has been reported as a Foreclosure for seven years on all credit bureaus. Everhome mortgage never provided documents that would accompany 4 months of default. The below noted documents were not received : A verbal of written notice of default A foreclosure was not filed per county proceedings A " Judicial order '' or " Power of sale '' notice was not received Presently, I have been informed of the OCC investigation with Everhome. Despite their posting of foreclosure in 2010. I was not contacted in accordance with the stipulations of the resolve to homeowners who were in any phase of the foreclosure process during XX/XX/XXXX-XX/XX/XXXX. I have recently contacted Everhome, it has been one month since my call and they have not resolved the situation. The representative that I originally spoke to presented facts that suggest that a foreclosure was done behind my back and that the short sale was not performed. However, I contacted the XXXX County Clerk and they have provided evidence of the sale.
I signed up for the XXXX American Express card in early XXXX. Unfortunately, American Express blocked the access to my account after XXXX transferred XXXX credit cards from American Express to XXXX 's Bank in XXXX, so I am unable to provide exact dates. One of the terms of the American Express card was that I would earn XXXX bonus points on my first anniversary after spending {$1000.00} in the first three months. 
Unfortunately, my first anniversary with American Express coincided with XXXX 's transfer from American Express to XXXX 's Bank, and even though I spent more than {$1000.00} in the first three months of card membership with American Express, I never received those XXXX bonus points as promised. For several months now, I have sent e-mails, made telephone calls, and sent messages on the XXXX and XXXX XXXX Bank website to no avail. XXXX seems to have dropped the ball, even though the corporation has XXXX percent responsibility in this matter. 
It is not my fault that XXXX decided to part ways with American Express and transfer to XXXX with XXXX XXXX Bank. In fact, I never agreed to the transfer of my personal information from American Express to XXXX XXXX Bank and wonder if this is at all ethical. As far as I am concerned, I fulfilled the credit card terms and should have received my XXXX bonus points. Therefore, I will not pay any balance due that was transferred ( without my authorization or consent ) to XXXX XXXX Bank unless and until I receive the XXXX bonus points to which I am entitled. 
Please assist me in this matter. 
Thank you.
Complaint Description : transfer XXXX XXXX XXXX to XXXX XXXX from XXXX XXXX I initiate a wire, after a few minutes I called customer service to review how soon it could happen. I was advised to redo the wire so the agent would cancel the wire so my money was going to be back at our bank account within 72 hours. Money had never been refunded and I every time I call a new excuse is given. Last time they said it was refunded to the same checking account. I had sent them my bank statement to prove it had not been sent back. 

Did you sign a contract? : No Amount in Dispute : XXXX Products Involved : remittance Transaction Date : XX/XX/XXXX Original Purchase Price : XXXX Complaint submitted to the Company : Yes Company Contact Name : XXXX Company Contact Phone : XXXX Date Company Contacted : XX/XX/XXXX Response From Company : No Respondent Name : Remitly , Inc . Address : XXXX XXXX XXXX., XXXX XXXX, XXXX, WA, XXXX XXXX : XXXX Phone : Account Number : Person ( s ) you dealt with at the company : online ;
I 've had my driver 's license, social security card, checkbook, and several credit cards stolen. Fraudulent accounts have been opened in my name. I filed police reports, fraud affidavits, disputes with creditors of the fraudulent accounts opened in my name and all the credit bureaus. I have disputed XXXX XXXX fraudulent account with Experian several times providing police reports and affidavits. I have contacted XXXX XXXX and provided them with the same information. XXXX XXXX agreed to have the account deleted from my report.Other XXXX bureaus deleted the account from my report immediately. Experian keeps verifying fraudulent information and refusing to correct my report. Experian is in direct violation of FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I demand immediate correction of my report.
A refund was issued by XXXX XXXX XX/XX/2018 to my XXXX. 
Refund was posted on XX/XX/2018 and appears so on my XXXX XXXX statement. 
Merchandise accounting for 100 % of this refund was returned in good condition to the merchant in advance of the refund. Merchandise return was verified by XXXX management and management issued a credit for {$6000.00} posting XX/XX/2018. 
On XX/XX/2018, XXXX weeks after posting to the {$6000.00} refund, there was an " accounting adjustment to dispute '' entered on my online history as posted. 
On XX/XX/2018, I verified with multiple representatives of XXXX that this {$6000.00} was NEVER a disputed transaction. It was a refund issued by the merchant for returned goods received in good condition and verified. 
I have spoke to over XXXX people at XXXX asking each individual who initiated this refund and to what person or entity the accounting adjustment money was going to because it is the only entry on my credit history that does not have a payee. 
All XXXX people at XXXX told me that they could not tell me who did this accounting adjustment or to whom the money was going to be paid? I opined that as a matter of record of any financial transaction, you need to have an initiating party and a payee. The only response I got was that they would take it under investigation. 
Please to not lose sight of the fact that this {$6000.00} was a POSTED transaction done XXXX weeks ago. I did not dispute or authorize any changes to this transaction and XXXX agrees but still is charging me the false {$6000.00} when I have no goods from the merchant. XXXX told me there is no record of this refund being disputed, they can not see who did this charge to me or to whom the money goes. XXXX also said there is no record of any reason in my Discovercard history of why this refund would have been reversed, yet XXXX WILL NOT even give me the basic information of who did or requested this reversal or where the money is going. Discovercard claim as this point they don't know. I question that.
I received a phone call at XXXX XXXX  ( XX/XX/18 ) from XXXX XXXX XXXX XXXX. When I called back I was informed that this was a debt collection agency. After speaking with the agent over the phone I was informed i needed to verify who I was so that she would be allowed to speak to me. I reluctantly told her my information to then be told that I don't have a debt. 

My information included - name, address, last 4 of social, birthday ( month, day, year ) -- - at that point she said she was now allowed to tell me what the debt was because it was now verified. 

my concern is that I provided personal information and then was told there was no actual debt in place. 

I called back to the main line ( XXXX ) and they said that had no record of me in the system.
I applied for an avant credit card and was APPROVED for {$1000.00} credit limit. My current XXXX score is XXXX, my salary is {$38000.00} and i submitted proof of address to verify my identity. There are no accounts in collections on my credit. My XXXX XXXX FICO is much higher than most of their applicants. My aunt was just approved for a {$500.00} card and she has a bankruptcy on her credit and her score is only XXXX. My uncle was approved for {$1000.00} as well and his XXXX XXXX FICO score is only XXXX. We all applied the same day and at the same time. 
After i sent in my proof of address, I called and spoke with an agent who confirmed my approval and stated he had to hang up and call me right back to verify my phone number. I waited but never got a phone call. Two minutes later, I received a retraction of my approval from XXXX stating adverse action. I called back and demanded to speak to a supervisor and was transferred to a XXXX, who claim she didnt have an operator ID. I explained to her the situation and she laughed, stating, " we never approved you for anything. '' HOW RUDE!!!! I have a screen shot below of my approval. It's valid because when my grandmother applied, she was instantly denied. So, i know there is nothing faulty with their approval system.
FedLoan Servicing seems to have a practice of deliberately delaying the processing of my XXXX XXXX certification. I submitted my XXXX XXXXt recertification request in XXXX XXXX. I did not receive a recalculated XXXX payment amount until XXXX XXXX, XXXX when my monthly payment was calculated at {$820.00} ( a very high payment, but that 's a separate issue ). Despite having recalculated my payment, fedloans billed me {$3100.00} for the next two months, which I could not afford to pay. 

FedLoan Servicing forced me into forbearance in XXXX, XXXX and XXXX XXXX by delaying the processing of my XXXX payments and thereby prolonging the amount of time before I will be eligible to apply for XXXX XXXX XXXX XXXX ( XXXX ). 

I took a public service job instead of pursuing a more lucrative legal career because I relied on the promise of public service loan forgiveness to make up for the fact that it would cost over {$3000.00} month to pay off my student loans in a timely 10-year plan. By delaying my ability to make qualifying payments and capitalizing interest during those delays, they are making it financially more burdensome to participate in the XXXX program. I enjoy public service and working in the public interest, but I am worried that these delays are going to keep happening and I will never be able to be free from student loan payments.
I was contacted by a person named XXXX XXXX who said he was a locator for a company and needed to verify my information so that he could serve me with paperwork for a possible claim being brought against me. When I informed him I had no idea what he was talking about he provided me with a claim # XXXX and the phone number XXXX of a company that he says he did n't know the name of because he claims to only received sealed packages. Said I needed to speak with them within 30 mins or he would be calling me back. XXXX called from ( XXXX ) XXXX and called 3 times in a row each time I did n't answer, so he called me 7 times including today ans has left me 2 messages. When I called the company ( XXXX XXXX XXXX ) that sent him, they informed me that I owed them because they bought a debt from Ace Cash. I asked for backup documentation and he told me that I was well aware of the laws about not meeting my obligations and there was nothing else he could do for me and would notate i was unwilling to resolve this voluntarily. I asked again for documentation that I owe his company money and that the law requires him to provide it to me so I can review. He informed me that my stall tactics would n't work and that would proceed with whatever avenue they have. He claimed the person calling me did n't work for his company and was a locator hired to serve me documents. After XXXX XXXX called me this morning, I sent him a text messages informing him that he was harassing me, he company refused to provide valid documentation and that I was reporting his number to your office.
I made a {$1000.00} ACH deposit made on XXXX XXXX XXXX, which is being held indefinitely as " Pending '' by Coinbase although the withdrawal has already cleared my banking institution. Many other customers have reported online that Coinbase holds their deposited or withdrawn funds for 10-30 days before release or not at all. 

Coinbase 's website states deposits are either instant via credit/debit or take 3-5 days via ACH, although this is often not the case. Coinbase uses an automated bot to address concerns or complaints on their website, and emails from a live representative are not returned to address concerns. 

I have requested a response about my pending funds via email from Coinbase and have received no response as to what the problem is or a solution to the problem. The delay or failure in processing these transactions as expected, and as noted in the time stated on their website, will cause personal financial distress as I am not able to retrieve my funds in a time frame that they have stated, and in which I would expect. 

I 'm requesting an investigation into Coinbase 's banking and transaction processes, as they require a user 's SSN, a photo copy of ID, and personal residential information to use their services.
Citi Bank did not reissue me my credit card upon expiration ( XX/XX/2016 ) stating the reason is because I have another account by Citi Bank that is closed and in a repayment program. I had closed another credit card by Citi Bank several YEARS ago and enrolled in a repayment program. This had nothing to do with any other account I have with Citi Bank. My account with Citi Bank is current, and therefore closing one account by MY choice several years ago should not have had a negative affect on a different Citi Bank account, in good standings, several years later. This is unfair and deceptive of Citi Bank to " punish the customer '', as well as adversely affecting my credit.
I applied for mortgage pre-approval, received approval from First Midwest Bank loan officer XXXX XXXX on XX/XX/XXXX. Based on approval, I entered into a purchase agreement with XXXX XXXX XXXX for a new construction townhouse. On XX/XX/XXXX, I was asked to sign conventional loan application for {$160000.00}, 4.5 % interest rate, with {$5000.00} down payment, and no closing costs for buyer. The application had multiple errors, including the property address and I asked them to correct it. 

On XX/XX/XXXX, I was asked to sign new application for an FHA loan. XXXX advised she couldn't do conventional loan. Loan amount decreased to {$150000.00}, interest rate increased to 4.625 % and buyer closing costs increased to {$2000.00}. Told that underwriting was trying to approve based on my student loan monthly payment. Confirmed with 2 local loan officers that this process should take about 48 hours to determine eligibility for FHA loan. Didn't receive  response from XXXX XXXX until XX/XX/XXXX that I was not eligible for FHA loan. 

Told me that loan had to be conventional and the loan amount decreased to {$140000.00}, interest rate increased to 5.375 %, buyer closing costs increased to {$7800.00} approx. Two days later told I needed {$8500.00} for closing. Told me I had to produce certified funds within a week. Reason given was " changed circumstance '' but my circumstances had not changed. XXXX XXXX  changed the terms of the loan after I entered into an agreement.
I have attempted to work with Bank of America on numerous issues and so far, Ive been coldly told, I do not garner their respect, by numerous representatives. Ive asked for at least 3 late fees to be removed, 2 of which took place the " EVENING '' the payment was due, and I was told, that based on my relationship with this company, I would not be able to request or get anything. I have also asked for a couple interest charges to be returned to my, as transfer interest, purchase interest and such, has increased once this company closed my account for no reason at all. I believe, that I have been charged at least {$1100.00} in interest higher than I signed up for and have been charged with over $ 230- {$300.00} in late fees, during times I have had complaints against BOA with the CFPB. In addition, I believe Bank of America has treated me unfairly because I have complained about them assessing a late mark on all my credit reports back in XXXX 2016, when I was TOLD by their own rep, what to pay and what I could do to avoid being late. This issue has still been unresolved, no matter what BOA claims.
We began the process for a construction loan with XXXX back in XXXX. From then until present we have received misinformation about crucial components of the process, such as proposed closing dates, amount required to close, and even difficulty at present with regard to the first draw. We were initially told that the closing would take place on XX/XX/XXXX during my brief return from visiting family in XXXX. The closing did n't actually take place until the XXXX. Our mortgage broker, XXXX XXXX told us we should prepare the house for the XX/XX/XXXX closing and the commencement of construction, and so we cleared our house and placed all of our belongings in storage. Make no mistake ; I am fully aware of the unforeseen complications that can occur with regard to processing a government loan. However, we have email records that clearly indicate several lapses in the processing of paperwork, as well as faulty information regarding the timeline and credentials necessary for the transaction. Certain forms ( that did n't require any updating ) were requested and filled out as many as four times, as our mortgage broker told us he had lost them. 
Additionally, several weeks after finally receiving notification that we were " cleared to close, '' my wife called our mortgage broker to check on the status of our loan, as we had received no update. Our broker, XXXX XXXX, of XXXX, became defensive and rude on the phone, and told her that he was " done with us '' and said, " Your loan was only approved because of me. I am passing this to my boss, and I can assure you that now your loan wo n't be approved. '' I 'd like to think that the approval of line would be based on the applicants ' meeting the qualifications of financial solvency required, and not be contingent upon the personal whims of an individual. 
When XXXX boss, XXXX XXXX, took over our loan, he was just as vague and non-compliant about our closing procedures. We received absolutely no consultation or update about our closing documents or the closing itself. We were told that we had to " figure out '' who our title company was, and schedule the closing ourselves. When we met with the closing agent, she informed us that XXXX had been alerted about the date and details of our closing, and that they had assured the title company that they would make the clients aware. This never happened. 
After all of this, our closing finished, and the initial disbursement was transacted on XX/XX/XXXX. The check for the first draw has still not been cut, and we have placed several phone calls to address this problem. XXXX XXXX, another individual from XXXX, spoke with us after we placed a phone call this morning and assured us that he would call us with an update on the check. He never did. I am thoroughly disillusioned with the complete lack of professionalism on the part of this company. XXXX essentially collected XXXX dollars for themselves in exchange for providing zero service and subjecting my family to immense inconvenience and stress.
Besides the annual interest rate being outrageous at 460 % on {$500.00} and requiring nearly {$2000.00} paid back, there was additional nearly {$300.00} added on in interest for a deferred payment. 

When request made to get payment schedule the email indicated that the loan payments were up to XX/XX/XXXX ; however told otherwise when questioned about the payment taken today. 

I don't feel that this loan was fair from the beginning now that I know that payday loans are not " legal '' in the State of Maryland and that the interest rate is not suppose to be more than 33 % annually on a loan less than {$2000.00}.
The company called Eastpointe group on behalf of XXXX contacted me several times over the course of the last month. I advised them that I do not have any contracts with the company and do not wish to receive further communication on my cell phone. They have continues to call and have begun contacting my place of employment, phishing for information about me. Today, XX/XX/XXXX, they contacted my work at XXXX XXXX and advised my front desk that they are seeking to collect a debt and need information about me. I contacted them and asked them to cease contacting me on my cell and at work, and the representative stated that if i do n't give them {$300.00}, they will start taking money from my account.
Mainly Experian Credit reporting, continues to report incorrect and or false information. I 've contact them numerous of times to correct the Negative incorrect information. They refused. I 've been denied credit and thus suffered due to incorrect information. I 've had both an " Alert and Freeze '' placed on my credit report for about XXXX now. It has been helpful against Identity Theft, and because " I 'm also a survivor of a XXXX ''. All prior information should be corrected and the years following up to date should reflect the most recent credit accomplishments such as my, " Previous Students '' All Paid in Full as of XX/XX/XXXX, are currently at a XXXX balance and " OWE ANYONE '' ANY MONEY for anything!. MY Address and Previous address and Previous addresses prior to XX/XX/XXXX should be corrected as well as any previous Employment records. 
I will scan and attach documents to follow. I have Not been able to reach and speak to any agents from Experian since XX/XX/XXXX. All XXXX major credit reporting agencies have phone numbers that does not allow citizens to call and speak to anyone to help advise and inform them or receive some form of clarity, we the citizens are cut off from proper conversations. I 've written letters and still to no avail, no assistance. 
Thank You
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. Below I have listed the fraudulent accounts on my credit report that should be removed. 

Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX   Date:XX/XX/XXXX Company : XXXX XXXX   Date:XX/XX/XXXXCompany:XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX   Date:XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date:XX/XX/XXXX