WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I began my XXXX studies with the University XXXX XXXX XXXX, CA and completed this program in XX/XX/XXXX. 

I began my XXXX  studies in XX/XX/XXXX with University XXXX XXXX and completed my XXXX  studies in XX/XX/XXXX. 

I was also enrolled at the University XXXX XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, for the for their XXXX  level XXXX XXXX XXXX XXXX, these credits were later applied to a XXXX degree in XXXX XXXX with the University XXXX XXXX in XXXX of XXXX, I completed this program in XXXX of XXXX. 

During this time frame I used part of my G.I. Bill for these programs along with student loans. I had a series of health issues that were not resolved while on XXXX XXXX that were later compounded that required me to request a deferment/forbearance of my student loans due to my inability to work. Some were granted to my knowledge whereas others were not, which I continued to resolve. 

Upon careful review and further evaluation by the VA my XXXX rating was increased to 100 %, which qualified me for the XXXX XXXX XXXX XXXX ( XXXX ) program for my student loans. 

On XX/XX/XXXX DOE directed XXXX XXXX and XXXX XXXX XXXX to suspend collection activities on my student loans until they could determine my eligibility for discharge. Effective XX/XX/XXXX, the DOE had approved my discharge of the federal student loans on the basis of my XXXX and XXXX  XXXX. 

In closing from the very beginning my student loans were never properly reported, some start dates began before I was even enrolled in school, which I attempted to address with XXXX XXXX. To my knowledge this was never corrected. 

Additionally, I have 24 trade-lines ( student loans ) that are listed as late or in default in excess of 120+/180+ days. In addition to these issues several of these same accounts have exceed their legal reporting periods of seven years, with multiple that are over 10 years. In previous communications via letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXXU.S. Department of Education is in violation of Section 623 ( a ) ( 2 ) of the FCRA.
After citibank pulled out of MA, I called the customer support line to have my account closed and mail me the check on XXXX XXXX, 2016. I was told that would take 5-7 business days. However, after 2 weeks not receiving the check, I called again on XXXX XXXX, I was told check was mailed out on XXXX XXXX, but they mailed to my old address, which I do n't understand because I have been receiving citibank statements in my new address for a few months already. I asked them to stop the old check and reissue me a new XXXX to my new address, which I gave to them over the phone. They said ok. However, after two weeks, I still have not received it, so I called again on XXXX XXXX, asking them to stop the old check and re-issue me a new one to my new address. I have to give them my new address one more time over the phone, since their database still seemed to have just the old one. Again, they asked me to wait for 5-7 Business days. Still no check, so I called again on XXXX XXXX, repeat the same thing, being told the same. Again, on XXXX XXXX, I called, repeated the same thing again, being told the same again. However, on XXXX XXXX, when I called again, I was told, " we have sent you the check on XXXX XXXX, and you have cashed it on XXXX XXXX ''. I said I never received the check, how can I have cashed it? then the person said, " well, if you have not cashed it, you will need to prove to us you did not cash it ''. That made me really mad. 
What kind of customer service is that? 
I have been calling so many times, saying I have not received the check, now you are saying I have actually cashed the check? 
I asked them to send me a copy of the check, which they did. 
The check was not signed. 
How could citibank release fund when the check was not signed? I asked. 
the person said, " well, if that was your own account, we did not require you to sign it to cash it. " How ridiculous is this? 
Now they have handed me over to their Dispute Department, because it was a " dispute amount '' according to them. 
I think there are so many mistakes they have made : 1 ) Sent the check to my old address while my statements are sent to my new address. why they did not check my most-up-date address while issuing the check? 
2 ) customer service is not doing their job at all, as there was plenty time to stop the check. ( recall the check was cashed on XXXX XXXX, and I have called twice in XXXX to ask stop the old check and send a new one ) 3 ) Some people in Customer Service is not professional at all with that kind of remarks and tone. 
4 ) Citibank has huge security flaw, how can the fund with amount of $ XXXX be released without the check being signed with ID verification? 
5 ) It should be so easy for citibank to follow through this check and see where/who has cashed it. yet, now instead they want me to prove to them I did not cash it by post mail me the Affidavit, which could take at least another week to arrive. 
What bureaucracy is this?
We applied online to Bank of America for a new mortgage loan on a used townhome in XXXX XXXX, Florida, on XX/XX/XXXX. Mortgage loan officer, XXXX XXXX, contacted us and began the data collection process. During the next three weeks, numerous documents XXXX financial statements, insurance, sources of income, tax returns, etc. ) were supplied to BOA on a very timely schedule. Our credit card was charged {$440.00} on XXXX XXXX for an appraisal and credit report. All the while, XXXX confirmed that the requested XXXX XXXX closing date should be on schedule. After the appraisal was conducted on XXXX XXXX, XXXX XXXX, Home Services Specialist, called to say our loan package was very clean, that he rarely saw insurance issues already covered at this stage of the application like ours were, and that not only was the XXXX XXXX closing date feasible, but that we should be able to close earlier if desired. On XXXX XXXX, we were contacted by XXXX XXXX, Home Services Specialist, to provide additional documentation. The pace of activities and responses from BOA definitely slowed down under XXXX. On XXXX XXXX she advised the leasehold on the property would be reviewed by BOA on XXXX XXXX. On XXXX XXXX, XXXX days before our scheduled closing, XXXX XXXX advised us that the leasehold approval, and thus the entire loan package, had been denied. BOA knew at the very beginning that the property was a leasehold, as are all properties on XXXX XXXX, having been given to XXXX County by the federal government in XX/XX/XXXX It is inexcusable for BOA to have taken XXXX days to report back to us that the leasehold did not meet their requirements. XXXX asked if a refund of our appraisal fee would " help '' ease our dissatisfaction. On XXXX XXXX and again on XXXX XXXX, I contacted XXXX of XXXX supervisors, XXXX XXXX and XXXX XXXX, to reconsider our application based on our excellent credit, finances, and having been a BOA customer for many years. XXXX concurred that they had " mishandled '' our application by having waited so long to review the leasehold, apologized, but still replied " no exceptions '' to their loan denial. On XXXX XXXX, XXXX called to report that the appraisal refund had been denied. I suspect they did n't want further documented evidence of their wrongdoings. Not only are we out of pocket {$440.00} and almost XXXX weeks of lost time, we have to find a new lender, incur a higher loan rate over the life of the loan and higher closing costs, disrupt our scheduled move, utility connections, insurance arrangements, and hope that the property seller is still willing to hold the sale for us. Our financial losses alone will be several thousands of dollars. BOA should not be allowed to get away with such blatant practices at the cost of the consumer.
I have been trying to get a loan modification from Wells Fargo due to a change in my income. They are giving me the run around, as if they are purposely trying to put me out of my home. They keep dragging this thing on and asking for the same papers over and over again, only to be denied. 
They are not helpful in any way but to take my home. 
I really need help. I do n't know what else to do when my mortgage servicer refuse me any help
I noticed on my credit report that there is an address that I have never heard of or lived at ever before in my life.I do n't know if this is a mistake or if maybe someone is using my information but I would like this address removed from my credit report.
My partner got a phone call on XX/XX/XXXX at XXXX XXXX ( 4 min ) from someone pretending to work for a collection Agency ( XXXX ) saying she owes {$650.00} from XXXX XXXX XXXX. She told them to send information to her address. She got another phone call on XX/XX/XXXX at XXXX XXXX ( 2 min ) from XXXX ( XXXX ). The agent told her she owes {$150.00} emergency room medical bill due to her visit to XXXX XXXX XXXX XXXX two weeks ago. She told her it's not true and they have to send the bill to her address, she asked if they have the correct address but the agent hung up the phone
I 've been dealing with major overdraft charges every month from my bank and I. Any understand that every month my account is almost XXXX in the negative every month. For the last two to three years my account has never been possible longer than 2 months without occupying late fees and overdraft charges. I 've spoken to the bank reps and I 've visited my local branch.im reaching out to cfpb to see if they can dig deeper into the account and help me to start saving my money instead of just giving it away freely back to the bank.TD bank is one of the worse banks I have ever dealt with and I 'm ready to just close all my accounts and put my money in a credit union.
I reached out to Experian on XX/XX/XXXX. I reached out via USPS letter. I also called. In the letter I asked for them to verify debts from XXXX XXXX XXXX. I asked for them to provide me with all documentations that had on file as of XX/XX/XXXX that were used to verify these fraudulent accounts, I asked for the name, number and address of the person who personally verified these accounts. I received their dispute results and Experian has slapped me and the fcra in the face. They refuse to follow the basic laws. I've reported identiy theft to them. Put an ID sercurity alert and asked for the accounts and inquires that were fraud to be deleted. XXXX  and XXXX  have followed through. 

Experian believes they are above the law. I'm now demanding they provide me with everything they have in their files as of XX/XX/XXXX that was used to verify XXXXXXXX XXXX XXXX and to remove all fraudulent inquires asap. 

I will file a complaint with FTC, XXXX  and the attorney general.
I am filing this complaint because XXXX, TransUnion, and XXXX, has ignored my request to provide me with the documents with SIGNATURES that their companies have on file that was used to verify these accounts I disputed. Being that they have not adequately verified these accounts under Section 611 ( 5 ) ( a ) of the FCRA -they are required to properly delete all information which can not be verified that I have disputed. Please resolve this matter. Thank you
As of XXXX XXXX, XXXX, XXXX continue to be denied access to information per the Real Estate Settlement Procedures Act ( RESPA ) regarding my deceased parent 's home from XXXX XXXX XXXX XXXX, and more specifically, Select Portfolio Servicing , IncXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX My mother XXXX XXXX in XXXX XXXX and my father XXXX XXXX in XXXX XXXX. Their estate is insolvent and therefore, mortgage payments could not be made by the estate. The mortgage is currently in default. 

Shortly after my father 's passing, I timely initiated communication with XXXX XXXX XXXX XXXX and informed them of the situation. On XXXX XXXX, XXXX, I received notification from Beneficial stating, " Based on the documentation provided by you, or on your behalf, XXXX XXXX XXXX XXXX, acknowledges you as being responsible for the borrower 's estate. Our records have been updated to reflect this information. We are committed to facilitating communication with you regarding the borrower 's mortgage loan account and will work with you whenever possible. '' I forwarded this documentation to Select Portfolio Servicing in an effort to continue home retention option communications and successor in interest obligations, which was previously approved by XXXX during our communications. I was then later notified by Beneficial that my father 's loan was transferred to Select Portfolio Servicing , Inc. effective XXXX XXXX, XXXX, and subsequently transferred to XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX, XXXX. XXXX did state that all documents regarding communications, negotiations, modification requests, etc. would also be transferred to SPS without interruption. 

Numerous requests to Select Portfolio Servicing, XXXXnc ( SPS ), including a Qulified Written Request, has been responded to with time delaying, strategic, " cookie cutter '' requests for me to get authorization from my deceased parents allowing me to speak with them regarding their account. However, they are sending notifications for my parent 's estate and myself to my personal home address. I was utterly disgusted by the telephonic conversation I had with a female representative of SPS on XXXX XXXX, XXXX regarding this matter. She was unresponsive, rude and unprofessional and did not even remotely attempt to resolve my issue or address my concerns. This is the well documented reputation of this company, past and present. There failure to adhere to the Realestate Settlement Procedures Act ( RESPA ), as well as New York State policies and procedures regarding any successor in interest of a deceased borrower is unconscionable and inexcusable. I can provide documentation for all or any of my communications for both XXXX and SPS.
The home was purchased in XX/XX/XXXX. The original mortgage was transferred to XXXX XXXX and ultimately to Wells Fargo. In XX/XX/XXXX, the owners received an unsolicited visitor who promised to reduce their interest rate from 7 % to 6 %, one free month mortgage payment and provide {$2000.00}. Mr. & Mrs. XXXX never received any further documents or funds. Also, it appears this was a second mortgage for over {$85000.00}, which has been consolidated with the original with a maturity date that has changed from XX/XX/XXXX to XX/XX/XXXX. In  addition, the monthly payment has increased. 

Wells Fargo was recently contacted and is in the process of researching originating documents. They told the homeowners a follow-up will be made by XX/XX/XXXX. 

It appears there was a discrepancy on the mortgage note filed with the County of XXXX. 

The homeowners are seniors and on a fixed income. The current monthly mortgage payment of {$1900.00} is causing a hardship that they will note be able to keep for very long. 

Additional assistance is needed.
I have a loan that originated with XXXX XXXX. The servicing company is Midland Services, a PNC company. The total loan amount was $ XXXX for various properties I own. At the last minute, the lender advised me that they would be withholding funds from the loans for certain repairs. I took the loan, but approximately {$38000.00} was withheld. {$16000.00} pertained to XXXX particular loan on a property at XXXX XXXX XXXX, XXXX, Texas. I successfully completed all the work on the list, particularly the replacement of the roof, installation of XXXX circuits, and repair to the flatwork. For about XXXX months now, I have been contacting Midland to get the {$16000.00} returned to me, but I am having no luck. Please contact them and help me.
I found a collections account on my Experian CR in XX/XX/XXXX. It stated it was for an unpaid XXXX Bill that was transferred to  SUNRISE CREDIT SERVICES on XX/XX/XXXX. I checked and my final bill was paid directly to XXXX on XX/XX/XXXX. I called XXXX who stated they did not show a balance nor did they send anything to collections. I submitted multiple disputes with XXXX on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. 

I sent proof of payment, a letter from XXXX, and additional backup on all occasions. 

SUNRISE CREDIT SERVICES call my place of employment on XX/XX/XXXX and spoke with a receptionist. The collections agency asked for me by name and when asked what the call was in reference to told her they were a debt collector calling about my unpaid cable bill. 

XXXX has repeatedly responded that SUNRISE CREDIT SERVICES " has certified '' to them it was correct, I have requested information on the investigation but they have not supplied them to me. Further SUNRISE CREDIT SERVICES initially reported this debt on XX/XX/XXXX. until recently, after I sent my proof of payment, updated the date of reporting to XX/XX/XXXX
OnXX/XX/XXXX XXXX  XXXX, TX XXXX Also, On XX/XX/XXXX XXXX XXXX, FL XXXX  On XX/XX/XXXX XXXX ( no information given on credit report ) On XX/XX/XXXX XXXX XXXX XXXX  ( no information given on credit report ) On XX/XX/XXXX XXXX XXXX XXXX. pulled my credit.

I request that you initiate an investigation into [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your assistance in this matter,
I paid Caliber Home Loans {$100.00} for a Broker Price Opinion ( BPO ) to see if I was eligible for PMI removal from my mortgage. On Thursday XX/XX/XXXX a broker came to my house to inspect the property to complete the price opinion I ordered. When I requested a copy of the documents completed by the broker a different broker who had not been the one to inspect the property had certified that they had personally inspected the property on XX/XX/XXXX. 

XX/XX/XXXX : I made a written complaint to Caliber Home Loans on XX/XX/XXXX regarding the accuracy of the BPO as well as my concern that the BPO was completed by a broker who had not actually inspected the property and certified that they had. They also listed the wrong date of the inspection further proving the inaccuracy of the document.

XX/XX/XXXX : I called Caliber Home Loans to follow up on my written complaint. They said that my complaint was not complete because I did not provide receipts and photos of improvements to the property and that I had not provided three comparable properties to dispute the outcome of the BPO. I contended that I did not need to because the document I was contesting was falsified. Caliber Home Loans said they would call me back the next day at XXXX PST. 

XX/XX/XXXX: After waiting 2.5 hours after the appointed time for the call from Caliber I called them. They said that the issue was closed because I did not provide the receipts, photos and list of comparable properties despite my protest that the document in question was falsified and that should be enough to merit repeating the BPO.

My complaint is that Caliber Home Loans is using a falsified document to refuse to remove my PMI requirement for my loan.
After initiating an XXXX loan application with the Navy Federal business services representative in my local area, using my home address as we established our franchise aquisition, my husband and I each received debit cards and the accompanying pin numbers, from Navy Federal, at the retail store location, before we took pocession of the business or had access to that mail. 
We later received an account statement that was opened for our business, under the company name, that was opened XXXX, using a wire deposit from my personal checking account, of {$100.00}. 
On XXXX the account was closed. 
I DID NOT REQUEST OR AUTHORIZE ANY OF THESE TRANSACTIONS! 
I was only aware that the XXXX did not approve our loan and so I did not anticipate working with Navy Federal commercial banking in any way, into the future. How and by whom were these cards and this account initiated?
# XXXX response from Ally Bank on this complaint should not be accepted by me or by cfpb. 

For the bank to hold my money for another 60 days after already holding it for over t 30 can't be allowed. This is a significant amount that is needed by me to pay bills and college tuition. 

What right do they have to hold onto my funds for up to three months depriving me of interest and access.
I recently became a XXXX XXXX service connected  XXXX veteran. At the time I had good and excellent credit scores with transunion and XXXX. 

a benefit I applied for was an XXXX XXXX charge card. I got the card with. {$5700.00} credit limit. 

My credit scores immediately dropped by 120 points because I got the XXXX XXXX card. I am debt free and had no credit problems before this event. 

Now my credit scores are in the 500s and 600s down from the mid 700s just as I was approved to buy a home by my credit union. Now, my suddenly poor credit will be used against me in every arena all because I got a military charge card that I havent even used. 

So, in essence, XXXX  and Transunion are telling the world Im a poor credit risk suddenly because I got a XXXX charge card. As far as im concerned, this is criminal defamation of my character because I pay all my bills on time, everytime. 

These credit reporting agencies need to be invested for ruining peoples lives and reputations like they did mine. 

Im XXXX years old and dont have time to rebuild their opinion of my fiscal responsibility which is excellent despite their algorithmic opinion of me as an individual and American Military Veteran. 

They have ruined citizens lives numbering in the millions all the while enjoying the fruits of their corruption. 

Shut them down and start a whole new system to determine credit worthiness period!
Transunion has refused to remove a 120 days late entry from XXXX. XXXX XXXX was the date of first delinquency. 14 months of data is missing from their reporting ( enclosed ) causing them to move the DOFD to XXXX XXXX. I 'm uploading supporting documentation, including the XXXX XXXX mortgage bill from then XXXX XXXX sold to XXXX XXXX XXXX ) showing 4 months late on my payments. Which would make the DOFD either XXXX XXXX or XXXX XXXX, which is over 7 years. I provided this document to Transunion to no avail. Thanks for your help.
I had a Bank of America checking account. The Bank started charging me fees and then overdrew and closed my account. I called and thought that everything had been corrected and then I received another notice that it was being closed upon my request. I do n't know where my balance went as it also disappeared when my account no longer showed in on-line banking. I submitted a complaint to Bank of America about a week ago and never heard anything other than a request to complete a customer survey about my experience. I want my account reinstated as I was under the impression as a Preferred Rewards Platinum member I was not to be assessed the types of fees I incurred. I would like my funds back to please.
I purchased US Bank prepaid XXXX # XXXX and XXXX with initial value of {$200.00} in XXXX XXXX. I opened packages with these cards in XX/XX/XXXX and discovered that money has already been stolen from these cards in XX/XX/XXXXvia purchases on XXXX and XXXX XXXX XXXX! I submitted a dispute form to the bank, however they responded that it has been more than 120 days since fraudulent transactions were charged to my cards therefore they cant help me and I need to contact the merchant. I contacted one of merchants ( XXXX ), they found these transactions and said that money have been transferred to a fraudulent XXXX account. They suspended that account, but according to XXXX they can refund money only when they receive appropriate paperwork from my bank. However, the bank is not willing to help me to return my money because it has been more than 120 days.