WillisBack/dataset-financial-user-claim huggingface dataset:
I am submitting a complaint against Genesis Lending Services, They have been charging me during school and even when I was unemployed. I seek to discharge this loan due to the fact I never received any job placement and etc.
Mortgage servicing company ( PHH ) is not applying payment funds correctly, has incorrect amounts due, & issues payment reminder notices indicating payments not received, debt collection notice, and threats of reporting information to credit bureaus weeks before payments are even due.
I wrote a check to a university for {$370.00}. It was stolen and the perpetrator added a " XXXX '' in front of my " {$370.00} '' cashing the check for {$1300.00}. This happened XXXX XXXX. My bank credited my account for {$1000.00} almost immediately. I had to fight to get my {$370.00} back. Although obvious fraud, my bank filed this as an " encoding '' error. Therefor, the my bank debited the {$1000.00} they had credited me on XXXX. Took money back XXXX. No advance warning, nothing. Obviously, the bank moved money from my savings to cover funds shortage for bills, etc. Going into month 4. Fraud, not my fault, but my bank has n't given me my $ $ $ $ back!
I signed up for a  XXXX   credit score m onitoring. I was then charged  XXXX , the representative first says she sees the charge but then says she is unable to refund it because it has n't showed up. I called the company the same date and they will not help me.
My husband and I have been advantage customers with Bank of America NA since XX/XX/XXXX. One of the advantage checking accounts was suddenly closed down on XXXX XXXX, XXXX. I called Bank of America customer service and was transferred to XXXX other departments : Risk ID Support Center, Checking account Fraud Dept, Credit/debit Fraud department all which gave me no answer as to why the temporary freeze of the account. I spoke to different levels of authority and got only as far as to have a reference assigned # XXXX and that someone named XXXX XXXX in the Corporate Security Dept was to handle it. No one that I spoke to knew an extension number or was able to get a hold of that person or offer me any explanation as to why the sudden freeze of the account. This account is tied down to 12 automatic payments and a direct deposit. This sudden freeze is causing mayor financial hardship and worse of all no answer to all the contacts I to reach out to. The financial institution should be held liable for any hardship this has caused us. They are trusted with the handling of any money we deposit and make payment to accounts both personal and business accounts. To suddenly STOP that flow is outrageously disturbing and causing mayor financial and emotional distress. No financial institution shall have the sole authority to intervene in a personal checking account without cause and without a prior warning.
This debt/collection appeared on my credit, it does not belong to me. This is put falsely on my credit report. It states it was opened in XXXX of 2017. I have zero documentation reflecting this account nor was this account authorized on my behalf. This account has appeared on my credit report and is reflecting negatively in collection under an individual type and again does not belong to me. It is my right to get incorrect and false information to be Removed. I have received zero documentation regarding the matter.
I can no longer log in to my XXXX account or wallets. I contacted customer support in every way and was told " we dont know why and we dont know when someone will be available to help you with your issue. It's been about 3 months and I still can't login, and have been given no explanation.
Ive been request detailed information from Central Financial Control AKA Syndicated Office Systems in regards to an alleged account they continue to report on my credit reports, I 've contacted the XXXX to get help with this company and they did n't respond until months later after my request. I 've been sending letters to this company since XX/XX/2014, they removed XXXX other accounts that were on my credit reports but want remove this XXXX. I 've contacted the original creditor ( XXXX XXXX XXXX XXXX ) and they never responded to my many request to them.
While in the car dealership purchasing a new vehicle, the salesperson brought a loan amount significantly cheaper than the amount of money financed on my paperwork. Before signing the paperwork, I made the salesperson and the finance department aware of the mistake in amount of money financed but the higher amount is still on my sales contract after they assured me that this was not the amount I was borrowing and repaying. I received a terrible interest rate and will be paying more than {$16000.00} in interest on this loan.
We have fell way behind on mortgage payments which has put us in financial stress. Dealing with Chase for several months on what we need to do to be able to get house sold. We have been assigned SEVERAL different contact people. The house is now up for Sheriff Sale. This is not what we wanted to happen. In the last two months I have talked and documented all conversations on paper, three different people. They have all given me answers that contradict each other. We have had house on market since XXXX, had only XXXX lookers. I am at my wits end. I just want what proper procedure is on Short Sales. That is what we have been approved for. Just some CORRECT answers. We have gone thru modification process. We just want to sell and get out from high payments and mortgage. Thank you
Mariner financial, did a hard inquiry on my XXXX credit report on XX/XX/2018 after I spoke with an agent and advised them that I did not want to refinance, because they would run a credit check and my husband and I are in the process of purchasing a new home and I received notification that there was a hard inquiry from Mariner Financial on XX/XX/2018. I have reached out to the credit bureau to have them remove it.
In XX/XX/XXXX and XXXX of 2015, I accidentally missed two credit card payments with Bank of America. I thought my account was set to " auto-pay '' but apparently it was n't. Once I noticed the error, I immediately paid what was due. Unfortunately, the " missed payment '' notes have lingered on my credit report for more than two years. 

My husband and I are about to buy our first home and we 'd like to have my credit report looking as good as possible. In my 10+ years of credit history, these remain my only negative comments. 

I 've requested that these notes be removed on two separate occasions but Bank of America has not taken any action. I 'd like to request your help in having them removed. 

Thanks so much, XXXX
I have a ford XXXX XXXX the lease was completed on XXXX XXXX. I called the ford dealer for two more months of extension.they gave me XXXX XXXX to cover the balance.i called on XXXX XXXX to make a payment of XXXX XXXXthe ford dealer do n't wanted to receive my payment.that date until today I tried to make an arrangement with the ford dealer.but they refuse to do someting about it.today XXXX XXXX I received a call from the Ford dealer and telling me this weekend delivered the vehicle to the ford dealer.and i want my car and i want to pay for it.please help me!!!
I AM TRYING TO SEE MY FULL CREDIT REPORT. I CHECKED A MONTH AGO IT WAS SOMETHING ON MY REPORT THAT I NEVER HEARD OF. NOW IT 'S JUST SAYING XXXX AND XXXX ACCOUNT BALANCE {$190.00}.
I disputed this debt with Diversified Consultants with no resolution. I sent a certified validation letter on XX/XX/XXXX in regards to this collection in the amount of {$76.00} being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. Diversified Consultants received the certified letter on XX/XX/XXXX and has yet to respond to my request. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.
First National Bank of Omaha is continuing to report a debt that was placed on my XXXX report around XX/XX/2018 that is not a mine, rather a debt caused by identity thief. This company has ignored a police report, affidavit and a report from identitythief.gov which is recognized by other financial institutions and credit bureaus as a legal and substantial document. On XX/XX/2018, the company sent a response about holding me responsible, however, they followed up with another correspondence dated XX/XX/2018, stating they needed to do additional research, which they have failed to follow up any additional correspondence as well. Furthermore, First National Bank of Omaha has not supplied the legally requested disclosure of the application with my signature that was used to open this account, that they are legally required to disclose if asked, as well fully knowing under several laws/statues under the Fair Credit Act that if this proof can not be disclosed they have to remove any negative reporting information from my credit bureaus, in particular, XXXX   and any responsibility to the debt. Either they dont know the laws or neither care about following them, possibly dont have the document, or realize they have made an error ; however, they are legally required to produce and disclose this application/document with signature if requested. This financial institution has conducted itself in a somewhat Mafia-style Shake Down to get me to pay these monies that I do not owe to remove this fraudulent trade from my XXXX report, its been unbelievable. Please help!
Submitted substantial evidence in my favor of returned items with XXXX. Though items were return, company charged my card. CitiCards did not win this case despite XXXX strong advisement of not paying. 

Transaction Amount : {$4900.00} Dispute Amount : $ XXXX : XXXX Dispute ID : XXXX
XX/XX/2018 filed for a short sale XX/XX/2018 notification of incomplete materials submitted XX/XX/2018 materials submitted and approve XX/XX/2018 denied for expiration of materials Resubmitted in XXXX application complete XX/XX/2018 approved for sale XX/XX/XXXX nitrified of expiration of submitted materials Reapplied no communication from Ditech Mortgage or XXXX XXXX
I disputed an unrecognized debit card that opened under my name back in XX/XX/XXXX, and no progress has been made from the XXXX  or XXXX. I never visited or purchased at XXXX in person or online since XXXX ( which is verifiable from my transaction history at XXXX the only bank I use ) and I certainly did not open a checking account without linking it to my bank. Very interestingly, this debit card opened around the same time I was told I need to check if I was part of the data breach victims in XXXX. After confirming that I was I immediately reported this fraudulent collection for the sake of correcting my credit score from XXXX 's dispute center. Almost 9 months have passed, I still see no investigation progress from XXXX  or XXXX  and this collection record is affecting my ability to apply for a car loan that I need for day to day commute. I need to correct this collection record from a real identity theft incident that happened almost 2 years ago.
I sought help with refinancing or a loan modification after I found that my husband unexpectedly decided to file for divorce. I bought my home prior to our marriage. We as husband and wife decided that it was ok for me to become a stay at home mom and wife due to his increase in income. So when he up and left I had no other income. I reached out to the company listed below and was advised to not make a payment, which I was up to date on and not ever late up until this point, with help from my parents. I took the advice and now a little over a year later I am unable to get caught back up and looking at possibly losing my house. I wish I would have known then what I have come to learn now! 

XXXX XXXX Processor ( Not an attorney ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Toll Free ( XXXX ) XXXX Ext. XXXX Fax Number : ( XXXX ) XXXX Office hours XXXX to XXXX est.
Back in XXXX bought a car. XXXX down payment of {$4000.00} cash {$2000.00} rebate apr 0.9 percent retail price of the car is {$24000.00} and monthly payment of {$440.00} for 6 years thats what i sign for suddenly my contract change make story short i was paying $ XXXX monthly and the interest almost half of what i pay. My down payment of {$4000.00} and rebate {$2000.00} never deducted from my account. I have the history of the payment.
Mailed to Transunion, XXXX XXXX to remove inquiries on credit report that were not authorize. I have mailed letters to advise and no response back after 30 days. I called and customer service was not willing to help to take care of these negative inquiries reporting to my credit. I would like to keep my credit good and prevent inquiries that I did not authorize off my report. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXXXX/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 XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX
This is a follow up to complaint number XXXX wherein Citibank refused to honor their own cashier checks. I have still not received this money. 

Citibank originally claimed that the money was escheated to the State of California, ( or Colorado or DC ) but California did not show a record of the transaction ( see attached ). California requested proof of the transfer in a subsequent conversation, but despite numerous unanswered requests to the branch XXXX, XXXX XXXX, or to XXXX XXXX at the XXXX XXXX XXXX, Citibank has failed to supply proof that this transaction occurred. 

After my original complaint, I received a letter from XXXX XXXX at the XXXX XXXX XXXX with the months that Citibank allegedly escheated the funds. I requested proof of this transaction ( as requested by the State ) but was informed that this information was proprietary. I requested that they send the information directly to the state, but was informed that Citibank would not do this. 

I made numerous requests to speak to XXXX XXXX XXXX XXXX, XXXX XXXX, but XXXX XXXX refused on the basis that she would tell me the same things ( which is absurd on its face since my first question would have been to ask XXXX XXXX XXXX  XXXX XXXX name ). My XXXX did promise a call-back from a rXXXXe of XXXX XXXX and gave me an email address for the XXXX XXXX, but like so many failed assurances from Citibank, no phone call was received, and the email address proved invalid. 

Citibank took my money, refused to honor their checks, and then failed to assist in recovering the money leaving me with no recourse.
On XXXX XXXX Equifax released a statement reading that a data breach at the company may have affected XXXX XXXX Americans, jeopardizing consumer Social Security numbers, birth dates, addresses and some drivers license numbers. Equifax also produced a website offering to check whether you were affected or not, when looking into this problem and submitting my information twice I was presented with two different answers : 1 ) You may be affected and 2 ) no answer. As a result I filed an initial 90 day fraud alert on my file with the Equifax, XXXX, and XXXX. Now I have to take time out of my day to vanguard against potential illegal use of my personal identifiable information because of the lack of security and best practices of Equifax. I have also called my credit card lines filing an initial 90 day fraud alert as well.
This month I was charged an annual fee on my account. After reviewing the terms on the website their is no longer a fee associated with my type of card. I called and was told because I opened my account 7 years ago it is stuck under the old terms and cant be changed. I would have to close my account and re apply for the same card to not have an annual fee. I should not have to apply for a new card because terms were updated. Its one thing to be grandfathered in when its a positive but this is a negative and unfair practice.
A couple months ago I contacted the company SW Credit systems ( SouthWest ) after noticing them as a collection account on my credit. They advised me it was an XXXX XXXX XXXX bill however I do not have XXXX XXXX XXXX. I informed them it was as an result of identity theft at what point they instructed me to go online to get forms to submit to XXXX XXXX XXXX. I did as they instructed however they still have not removed the item and still have me in their system.
Based on the new requirements for Public Records I have filed disputes with Transunion, XXXX and XXXX to remove my tax lien based on it lacking a full SS # or D.O.B.
I disputed 2 times with XXXX and they just last week removed the lien.
With XXXX I disputed for the 2nd time on XXXX XXXX, 2017 with XXXX ID # XXXX. I advised that only some of the information was removed, but the PR still sits on the report. the only details is reference number and $ amount of the lien. No other information. I provide her with the reference number, Book and page and advised that the lien only shows the last 4 digits of the SS # and no D.O.B. I 'm still waiting for resolution.
With Transunion, I disputed first on line the week of XX/XX/XXXX. They came back with complete and verified, remains on report. I called and talked to a CSR named XXXX on XX/XX/XXXX and he told me it was verified and remains on report. I got a copy of the Lien and called again on XX/XX/XXXX and disputed with XXXX. She provided me with their fax number, I faxed a copy of the lien together with a very detailed cover letter. Today XX/XX/XXXXI found that again they verified and " updated '' the lien to " paid '' but that it will remain on my report until XX/XX/XXXX. I talked to two different gentleman ( one went by name of XXXX ), he was a supervisor. I explained that under the new National Consumer Settlement and PII enhancements that the lien should have been removed and even advised that they have a document on their website that has all of the details of the new required information. Still, after verifying that they did in fact receive copy of my lien that they verified the information and it will remain or the only thing he would do is again dispute it.
I have a copy of the lien, but I do not have it saved as a document so I can not attach it. Please let me know if there is other information you may need for your investigation.
Since XXXX Ive called numerous of times to pnc. Pnc has charged me and over charged me every month since XXXX. Also says they can charge me daily overdraft fees up to {$96.00} a month. The last two months Ive not been able to pay one bill for the direct deposit I get in. The bank has taken well over half for fees. My husband been diagnosed with XXXX since XXXX and pnc is making a killing for charging me fee after fee. Then one of the calls a employee said I needed to get a job and learn how to use my checking account. When Ive been off taken care of my husband and trying to stay afloat then another employee told me how many fees been reversed and telling me Im out to get free money.
This collection agency is reporting on my credit report. However, I dispute the validity of this debt. I do n't have a contract with a collection agency and did not owe them anything. Due to HIPPA regulations, I did not provide any of my doctors to share any of my information with a collection agency. This is showing on my credit report 3 times.
I was charged over {$5000.00} which was fraudulent. The police were involved, a police report was made, and spoke to many different individuals about the case. It took over 3 months for the charges to be considered fraudulent. I continued to receive bills in the mail. Continued to receive phone calls about making payments to the credit card when it was indeed found fraudulent. It was extremely difficult to get a hold of someone who could help. This is continuing to go on and is not yet settled. It was a XXXX XXXX XXXX XXXX XXXX XXXX. It has been a nightmare trying to figure everything out when this should have been taken care of when it occurred back in XXXX. I followed all of the correct steps of calling the police, cancelling the cards, and sending in numerous documents stating which charges were fraud. The individual that stole the card was even caught on camera at several locations using the card.
On XX/XX/XXXX an agreement Chase and the Defendant was reached for trial modification. The trial was for three months and payments were made. The defendant paid the trial modification payments until XX/XX/XXXX when the modification was to to begin. Once the modification begun the defendant made payments as scheduled. A letter was received from plaintiff in XX/XX/XXXX letting the Defendant know that the sign documentation for modification was never received and modification was being cancelled. The Defendant let the Plaintiff know that the modification was still needed and the Defendant did not want the modification cancelled. 
The modification was being paid at that time so the Defendant mailed a new copy of the modification out the Plaintiff. The Defendant at that time was told by the Plaintiff to stop making payments because they would not be accepted anymore because my the loan was being defaulted. 

The Defendant tried to work with the Plaintiff to get the modification reinstalled but the Plaintiff would not do so. The Defendant tried to go through all options that the Plaintiff had but was told that Defendant could not be offered modification. 

The Defendant has currently has been saving every modification payment since XX/XX/XXXX in the sum of XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  dollars ). The Defendant is looking for the opportunity to continue the modification that was created previously.
Just recently I discovered that " credit Card '' for approximately was being deducted from my account. I call the Webster Bank to stop payment and block this account.
This month they took {$180.00} + out of my account, which should not have been done.
I called the Webster Bank and questioned why they let them withdraw since there was a blocked account. I was told that they used a different account number so they paid it. To make matters worse, they told me they would have to investigate this and I would have to wait about 10 days for this dispute to be settled.
I am XXXX years old and widowed on a fixed income. I have some bills to pay and do not have enough money to pay my debtors.